@AllZero wrote:
@M_Smart007 wrote:
@AllZero wrote:
Redstone FCU 5.09% APY on savings up to $2,500savings account similar to DCU???????
Well @AllZero and @Gmood1 , It looks like Redstone wants to play now!
Congratulations on your conditional membership!
RE: Redstone FCU
So I had originally applied on Sat, Mar 14 at 1:16 PM per My first email from them.
I have been on the phone twice with them today. They are going to honor My application for membership.
Some of the nicest people I have spoke to at a CU in a while.
They asked for a few documents. I uploaded and sent. The Lady said "You are fast"
She said everything looked great!
I can confirm from two separate CSR's that they are running on a skeleton crew,
and they are NOT taking any new application's at this time.
Very happy with the overall experience.
@AnimatorProcrastinator wrote:Baxter Credit Union is definitely my favorite. Their checking account has 3% APY with requirements of $500 deposit a month (any deposit, doesnt have to be DD), and 15 "transactions" a month that I satisfy without even noticing. They have a 'rainy day' savings account that used to be 2.5% up to $25,000 but got cut down to 2% because of the fed rate cuts. I really have never encountered any problems with BCU, and whenever I have needed something, their customer service is absolutely phenomenal. It seems like I never have to wait on hold to talk to somebody unlike other CUs that always have around a 20-30 wait (cough DCU cough). There's never been any fuss when applying for their products, i've never really had to provide any docs. I get unlimited ATM rebates that i've tested and gotten $50 in rebates in a single month. Oh and their DD is two days early which is a plus. Then they gave me a $14,000 limit when my highest limit at the time was I think $3,500. Of course NFCU is amazing for giving me $25k after 3 months of membership, but I am almost more impressed with BCU's somewhat small asset size trusting me with $14k. I have yet to find another CU that matches all the benefits that I get with Baxter.
@AnimatorProcrastinator wrote:Baxter Credit Union is definitely my favorite. Their checking account has 3% APY with requirements of $500 deposit a month (any deposit, doesnt have to be DD), and 15 "transactions" a month that I satisfy without even noticing. They have a 'rainy day' savings account that used to be 2.5% up to $25,000 but got cut down to 2% because of the fed rate cuts. I really have never encountered any problems with BCU, and whenever I have needed something, their customer service is absolutely phenomenal. It seems like I never have to wait on hold to talk to somebody unlike other CUs that always have around a 20-30 wait (cough DCU cough). There's never been any fuss when applying for their products, i've never really had to provide any docs. I get unlimited ATM rebates that i've tested and gotten $50 in rebates in a single month. Oh and their DD is two days early which is a plus. Then they gave me a $14,000 limit when my highest limit at the time was I think $3,500. Of course NFCU is amazing for giving me $25k after 3 months of membership, but I am almost more impressed with BCU's somewhat small asset size trusting me with $14k. I have yet to find another CU that matches all the benefits that I get with Baxter.
BCU gave me 15K right out of the gate,all Iasked for. They also assigned me a personal banker,sent me a welcome video with said banker
in it, Told me he wanted BCU to be my "Everything" bank.I'm more of a "I had fun last night let's keep it loose" type of guy, so I sock drawered the card. Great CU good customer service,but I'm not a one CU guy 
@Green456 wrote:
@Caught750 wrote:
@Green456 wrote:
@Caught750 wrote:
@Green456 wrote:
@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.
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.
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.
If I'm not mistaken, DCU's 6% interest rate is just on the first $1000 in savings. That comes out to $60 year, or $45 a year above what you could get from some of the better savings accounts at other credit unions.
@UH_HUH wrote:
@AnimatorProcrastinator wrote:Baxter Credit Union is definitely my favorite. Their checking account has 3% APY with requirements of $500 deposit a month (any deposit, doesnt have to be DD), and 15 "transactions" a month that I satisfy without even noticing. They have a 'rainy day' savings account that used to be 2.5% up to $25,000 but got cut down to 2% because of the fed rate cuts. I really have never encountered any problems with BCU, and whenever I have needed something, their customer service is absolutely phenomenal. It seems like I never have to wait on hold to talk to somebody unlike other CUs that always have around a 20-30 wait (cough DCU cough). There's never been any fuss when applying for their products, i've never really had to provide any docs. I get unlimited ATM rebates that i've tested and gotten $50 in rebates in a single month. Oh and their DD is two days early which is a plus. Then they gave me a $14,000 limit when my highest limit at the time was I think $3,500. Of course NFCU is amazing for giving me $25k after 3 months of membership, but I am almost more impressed with BCU's somewhat small asset size trusting me with $14k. I have yet to find another CU that matches all the benefits that I get with Baxter.
@AnimatorProcrastinator wrote:Baxter Credit Union is definitely my favorite. Their checking account has 3% APY with requirements of $500 deposit a month (any deposit, doesnt have to be DD), and 15 "transactions" a month that I satisfy without even noticing. They have a 'rainy day' savings account that used to be 2.5% up to $25,000 but got cut down to 2% because of the fed rate cuts. I really have never encountered any problems with BCU, and whenever I have needed something, their customer service is absolutely phenomenal. It seems like I never have to wait on hold to talk to somebody unlike other CUs that always have around a 20-30 wait (cough DCU cough). There's never been any fuss when applying for their products, i've never really had to provide any docs. I get unlimited ATM rebates that i've tested and gotten $50 in rebates in a single month. Oh and their DD is two days early which is a plus. Then they gave me a $14,000 limit when my highest limit at the time was I think $3,500. Of course NFCU is amazing for giving me $25k after 3 months of membership, but I am almost more impressed with BCU's somewhat small asset size trusting me with $14k. I have yet to find another CU that matches all the benefits that I get with Baxter.
BCU gave me 15K right out of the gate,all Iasked for. They also assigned me a personal banker,sent me a welcome video with said banker
in it, Told me he wanted BCU to be my "Everything" bank.I'm more of a "I had fun last night let's keep it loose" type of guy, so I sock drawered the card. Great CU good customer service,but I'm not a one CU guy
Which credit unions are easy to get credit cards? Thank you and be safe.
Starting Score: 663
