Favorite CUs and why, please?

[Gmood1]

@M_Smart007 

Says they are. They stopped temporarily last week.

Looks like they're back on track @Caught750 

[Caught750]

You about gave me a heart attack buddy lol

[M_Smart007]

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@Gmood1 wrote:

@Caught750 

Neither seemed sensitive to Chex inqs IME.

@M_Smart007 

Ok cool, I didn't realize you were having issues applying for membership online?

I thought you already got your membership, before they stopped accepting them online last week?

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@Gmood1  .. I applied, but because I had locked my files, they wanted about 10 forms of ID, including a copy of my Social Security card,

In which I have not had since I was a teenager .. no way to get a valid copy as offices are shut down,

So i was just going to let it go. I guess someone else got a  hold of the app. sitting in pending.

I did apply while they were still accepting. I will update the outcome of the app. .. when possible.

[AllZero]

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@M_Smart007 wrote:

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@AllZero wrote:
Redstone FCU 5.09% APY on savings up to $2,500savings account similar to DCU???????

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Well @AllZero and @Gmood1  , It looks like Redstone wants to play now!

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Congratulations on your conditional membership!

[Caught750]

Do we know if Redstone and DCU recycle HPs?  Will the membership HP be usable for lending products?

[M_Smart007]

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@Caught750 wrote:

Do we know if Redstone and DCU recycle HPs?  Will the membership HP be usable for lending products?

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@Caught750, I am not sure .. but I am going to try.

I spoke to Redstone just now .. about my Application, That dept. is closed, but will be open tomorrow.

Super Nice lady with Alabama accent said call back.

I can most definitely confirm 100% .. That they are NOT taking any new applications for membership at this time.

I asked if it was because they were swamped with news apps? "She said "Oh Sir, you have no idea"

[Guyatthebeach]

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@M_Smart007 wrote:

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@Caught750 wrote:

Do we know if Redstone and DCU recycle HPs?  Will the membership HP be usable for lending products?

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@Caught750, I am not sure .. but I am going to try.

I spoke to Redstone just now .. about my Application, That dept. is closed, but will be open tomorrow.

Super Nice lady with Alabama accent said call back.

I can most definitely confirm 100% .. That they are NOT taking any new applications for membership at this time.

I asked if it was because they were swamped with news apps? "She said "Oh Sir, you have no idea"

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Now, I wonder what that's all about??? 😈 

Guyatthebeach

[Green456]

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@Caught750 wrote:

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@Green456 wrote:

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@Caught750 wrote:

I'm looking for everyone's favorite CUs and why they're your favorites.

Name

HP or SP Membership

What makes them special (Cards, Car loans, Banking)

Im already a member of Alliant, PenFed, and NFCU.  My BECU app is pending as well and I plan to join DCU.  

What good ones am I missing?  I'm in PA and I'm a first responder if those matter for membership.

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I really like BECU for the following:

1). Decent no strings attached interest rate on first $500 in checking and savings accounts. I keep $1,000 in there and withdraw extra interest every month to my Ally bank account. 

2). Completely free overdraft from PLOC to checking. Again, if I am out of money, on my debit card, I can overdraft for completely free. Their PLOC is 10.00% APR so it's not bad.

3). No foregin transaction fee on their debit card. They offer foreign ATM refund up to $6.00. Again, it is nice to carry BECU debit card as a back up when traveling whether internationally or within United States just for that. 

4). And lastly few more little things. Great mobile support. So I can easilly access everything I need either from a mobile app or from iOS safari. Always great customer service. And lastly 1 buisness day money transfer. Which is huge for something like me who is not very patient. 

I keep thinking about opening DCU just for the 6% savings. But honestly I don't find that credit union worth using for anything else. 

I had PenFed. I was not happy with them.

I had LMCU. I closed them because of fees.

I had First Tech. They were decent but they didn't offer anything special

I had PSECU. I just closed them to trim down and again they didn't offer anything special.

I had SDFCU. I closed them right after opening account with them due to their lack of professionalism.

I had FKFCU. I closed them after 1.5 years because they didn't offer anyting special for me.

I had Alliant. I closed them after they handled my money in unprofessional way.

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Thanks Green, I have PenFed but don't use them.

Im going to go with DCU because they actually have better auto rates than BECU and NFCU and the 6% is nice.

Im also considering Redstone for the APY.  PSECU also has some decent rates on loans.

I just got into BECU last week and am looking forward to working with them as I've heard so many fantastic things about them.

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I heard a couple of comments here about DCU customer service being on the poor side. Are you concerned at all about that?

[Caught750]

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@Green456 wrote:

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@Caught750 wrote:

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@Green456 wrote:

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@Caught750 wrote:

I'm looking for everyone's favorite CUs and why they're your favorites.

Name

HP or SP Membership

What makes them special (Cards, Car loans, Banking)

Im already a member of Alliant, PenFed, and NFCU.  My BECU app is pending as well and I plan to join DCU.  

What good ones am I missing?  I'm in PA and I'm a first responder if those matter for membership.

---

I really like BECU for the following:

1). Decent no strings attached interest rate on first $500 in checking and savings accounts. I keep $1,000 in there and withdraw extra interest every month to my Ally bank account. 

2). Completely free overdraft from PLOC to checking. Again, if I am out of money, on my debit card, I can overdraft for completely free. Their PLOC is 10.00% APR so it's not bad.

3). No foregin transaction fee on their debit card. They offer foreign ATM refund up to $6.00. Again, it is nice to carry BECU debit card as a back up when traveling whether internationally or within United States just for that. 

4). And lastly few more little things. Great mobile support. So I can easilly access everything I need either from a mobile app or from iOS safari. Always great customer service. And lastly 1 buisness day money transfer. Which is huge for something like me who is not very patient. 

I keep thinking about opening DCU just for the 6% savings. But honestly I don't find that credit union worth using for anything else. 

I had PenFed. I was not happy with them.

I had LMCU. I closed them because of fees.

I had First Tech. They were decent but they didn't offer anything special

I had PSECU. I just closed them to trim down and again they didn't offer anything special.

I had SDFCU. I closed them right after opening account with them due to their lack of professionalism.

I had FKFCU. I closed them after 1.5 years because they didn't offer anyting special for me.

I had Alliant. I closed them after they handled my money in unprofessional way.

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Thanks Green, I have PenFed but don't use them.

Im going to go with DCU because they actually have better auto rates than BECU and NFCU and the 6% is nice.

Im also considering Redstone for the APY.  PSECU also has some decent rates on loans.

I just got into BECU last week and am looking forward to working with them as I've heard so many fantastic things about them.

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I heard a couple of comments here about DCU customer service being on the poor side. Are you concerned at all about that?

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I am, in fact I was looking at other options for what I intended to use them for but the next best choice would be Redstone who isn't accepting online membership apps currently.  I may try calling them and getting around it that way but I'm not sure.  AOD was suggested as was Langley.  I have some research and calls to make but it may a gamble with DCU anyway.  

[Green456]

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@Caught750 wrote:

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@Green456 wrote:

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@Caught750 wrote:

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@Green456 wrote:

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@Caught750 wrote:

I'm looking for everyone's favorite CUs and why they're your favorites.

Name

HP or SP Membership

What makes them special (Cards, Car loans, Banking)

Im already a member of Alliant, PenFed, and NFCU.  My BECU app is pending as well and I plan to join DCU.  

What good ones am I missing?  I'm in PA and I'm a first responder if those matter for membership.

---

I really like BECU for the following:

1). Decent no strings attached interest rate on first $500 in checking and savings accounts. I keep $1,000 in there and withdraw extra interest every month to my Ally bank account. 

2). Completely free overdraft from PLOC to checking. Again, if I am out of money, on my debit card, I can overdraft for completely free. Their PLOC is 10.00% APR so it's not bad.

3). No foregin transaction fee on their debit card. They offer foreign ATM refund up to $6.00. Again, it is nice to carry BECU debit card as a back up when traveling whether internationally or within United States just for that. 

4). And lastly few more little things. Great mobile support. So I can easilly access everything I need either from a mobile app or from iOS safari. Always great customer service. And lastly 1 buisness day money transfer. Which is huge for something like me who is not very patient. 

I keep thinking about opening DCU just for the 6% savings. But honestly I don't find that credit union worth using for anything else. 

I had PenFed. I was not happy with them.

I had LMCU. I closed them because of fees.

I had First Tech. They were decent but they didn't offer anything special

I had PSECU. I just closed them to trim down and again they didn't offer anything special.

I had SDFCU. I closed them right after opening account with them due to their lack of professionalism.

I had FKFCU. I closed them after 1.5 years because they didn't offer anyting special for me.

I had Alliant. I closed them after they handled my money in unprofessional way.

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Thanks Green, I have PenFed but don't use them.

Im going to go with DCU because they actually have better auto rates than BECU and NFCU and the 6% is nice.

Im also considering Redstone for the APY.  PSECU also has some decent rates on loans.

I just got into BECU last week and am looking forward to working with them as I've heard so many fantastic things about them.

---

I heard a couple of comments here about DCU customer service being on the poor side. Are you concerned at all about that?

---

I am, in fact I was looking at other options for what I intended to use them for but the next best choice would be Redstone who isn't accepting online membership apps currently.  I may try calling them and getting around it that way but I'm not sure.  AOD was suggested as was Langley.  I have some research and calls to make but it may a gamble with DCU anyway.  

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Redstone also just lowered their interest rate on savings from 5% to 2.5%. In terms of auto rates I think DCU gives one of the best rates. Personally I am thinking about joining DCU just for the 6.17% interest rate. That comes out $5.00 per month of extra rewards. Of course I am at 42% tax bracket and we are at 2% inflation, which means the actual amount is $2.00.