Credit Union Suggestions

[Mv350]

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@AllZero wrote:

Looks more like a bank than a credit union.

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Big bank vibe, small bank hours

[M_Smart007]

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@Mv350 wrote:

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@AllZero wrote:

Looks more like a bank than a credit union.

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Big bank vibe, small bank hours

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@Mv350.. LOL

[Anonymous]

@Creditaddict 

Just like @SouthJamaica and @Mv350 , I can vouch for Langley Federal Credit Union.

They are based in Virginia, but membership is open to all. $5 to open a savings account,

and they will pull ChexSystems. Fast and easy to join. For all loan products Langley pulls EQ 8. 

My personal experience: I joined Langley about 2 weeks ago. Opened a savings account.

Even though I have a discharged BK13 on file that falls off in Dec 2020, I was still approved

for Langley's low interest card (Platinum Select VISA) for a $5,000 limit at 11% APR with a

691 EQ8 approval score. Langley charges the same APR for purchases, balance transfers

and cash advances. Cash advance amount is 100% of the credit limit. I can't recommend

Langley highly enough.

https://www.langleyfcu.org/

[Anonymous]

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@Anonymous wrote:

@Creditaddict 

Just like @SouthJamaica and @Mv350 , I can vouch for Langley Federal Credit Union.

They are based in Virginia, but membership is open to all. $5 to open a savings account,

and they will pull ChexSystems. Fast and easy to join. For all loan products Langley pulls EQ 8. 

My personal experience: I joined Langley about 2 weeks ago. Opened a savings account.

Even though I have a discharged BK13 on file that falls off in Dec 2020, I was still approved

for Langley's low interest card (Platinum Select VISA) for a $5,000 limit at 11% APR with a

691 EQ8 approval score. Langley charges the same APR for purchases, balance transfers

and cash advances. Cash advance amount is 100% of the credit limit. I can't recommend

Langley highly enough.

https://www.langleyfcu.org/

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Well just like that, I apped 

[Anonymous]

@Anonymous  You make decisions quickly. Well done!

Please keep us posted on your app progress. 

[Neiltyson]

Didn't know langley before but I like how you can fund the savings account with credit card, up to $1,000!

I have SUB coming up soon and that 1k would be great to knock off. Or at least I think that would count towards my SUB requirement. 

Know of any other credit unions that can be funded with credit card? 

[Anonymous]

@Neiltyson If I'm not mistaken, DCU (Digital Credit Union)

can also be funded via ACH transfer, debit or credit card.

DCU soft pulls your Equifax file for membership, and they

hard pull EQ5 (mortgage score) for all of their loan products.

You'll need to open a savings account with $5 for membership.

Very easy to join. DCU is currently paying 6% APY on the first

$1,000 deposited into their basic savings account. After that,

the rate is 0.5% APY. Check the link below for more details:

www.dcu.org 

[sarge12]

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@Neiltyson wrote:

Didn't know langley before but I like how you can fund the savings account with credit card, up to $1,000!

I have SUB coming up soon and that 1k would be great to knock off. Or at least I think that would count towards my SUB requirement. 

Know of any other credit unions that can be funded with credit card? 

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I am pretty sure that using a credit card to fund a savings or checking account would be a cash advance on the card used. Cash advances usually do not count toward the spend amont needed to get the SUB on that card. Neither would balance transfers...only POS transactions count toward every SUB I have heard of.

[Gmood1]

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@sarge12 wrote:

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@Neiltyson wrote:

Didn't know langley before but I like how you can fund the savings account with credit card, up to $1,000!

I have SUB coming up soon and that 1k would be great to knock off. Or at least I think that would count towards my SUB requirement. 

Know of any other credit unions that can be funded with credit card? 

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I am pretty sure that using a credit card to fund a savings or checking account would be a cash advance on the card used. Cash advances usually do not count toward the spend amont needed to get the SUB on that card. Neither would balance transfers...only POS transactions count toward every SUB I have heard of.

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@sarge12 

Not necessarily, it depends on the network and CC issuer. In the last month, I've funded over $8000 to bank accounts through one of my credit cards. It is charged as a purchase. Not a CA.

Use the wrong Visa or Amex and you will get a CA. Or the transaction may be declined completely. Sometimes Amex will call you to let you know they are going to hit you with a CA. lol

So far, the safe bet for me is to use a MC when funding new bank accounts.

[sarge12]

@Gmood1  I did not know that, and on another note....it appears that you might need more cards judging by the paltry 55 cards in your siggy. It has to be a bit tricky keeping activity showing on that many cards to prevent closures for inactivity. I have 19, and it drives me a little nuts when I was trying to keep them all active, I finally decided if they close, they close. I have several that have over 15 months with no activity at all. I am actually surprised they have not even did a CLD or closure on any of them. Being disabled, I have not left the house but 4 times in 2020 so buying a pack of gum is not a realistic option. EDIT...I miscounted you have 66 cards below.