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I just called NFCU and found out that my membership application was accepted. Right now, I just have a checking and savings account with them. So far, there are no hard pulls reported to my credit bureaus from joining this credit union. Before submitting my application, I also spoke to someone in member services and she told me there would be no hard pulls for my membership application (despite reading online about people getting hard pulls just for applying to become a member--and two hard pulls if additionally applying for credit). I wonder if their rules changed for membership?
I'm now a member of Vystar CU, Lake Michigan CU and Navy Federal CU--the last one thanks to the advice of the members on this board. I'm probably going to stick with just these three CUs for now.
Thanks for all the great advice everyone. My finances are much more on track, thanks in large part to this Forum.
(edited out my question about applying for a credit card so as to keep this on topic for the forum).
@Anonymous wrote:I just called NFCU and found out that my membership application was accepted. Right now, I just have a checking and savings account with them. So far, there are no hard pulls reported to my credit bureaus from joining this credit union. Before submitting my application, I also spoke to someone in member services and she told me there would be no hard pulls for my membership application (despite reading online about people getting hard pulls just for applying to become a member--and two hard pulls if additionally applying for credit). I wonder if their rules changed for membership?
I'm now a member of Vystar CU, Lake Michigan CU and Navy Federal CU--the last one thanks to the advice of the members on this board. I'm probably going to stick with just these three CUs for now.
Thanks for all the great advice everyone. My finances are much more on track, thanks in large part to this Forum.
(edited out my question about applying for a credit card so as to keep this on topic for the forum).
Up until a few months ago there was a HP for membership, but they no longer do that.
They are still HP-happy for everything else, although they tend to make it worth it.
Welcome to the family
@Anonymous wrote:I just called NFCU and found out that my membership application was accepted. Right now, I just have a checking and savings account with them. So far, there are no hard pulls reported to my credit bureaus from joining this credit union. Before submitting my application, I also spoke to someone in member services and she told me there would be no hard pulls for my membership application (despite reading online about people getting hard pulls just for applying to become a member--and two hard pulls if additionally applying for credit). I wonder if their rules changed for membership?
I'm now a member of Vystar CU, Lake Michigan CU and Navy Federal CU--the last one thanks to the advice of the members on this board. I'm probably going to stick with just these three CUs for now.
Thanks for all the great advice everyone. My finances are much more on track, thanks in large part to this Forum.
(edited out my question about applying for a credit card so as to keep this on topic for the forum).
Congrats and welcome aboard! NFCU has great customer service and they will definitely treat you well.
Thanks everyone. Someone from NFCU's member services department called me to welcome me to Navy Federal. She then spent about an hour explaining my accounts and taking me through online banking and the app to give me a tour. I was very impressed with all the time spent welcoming a new member. So far they are living up to their reputation for excellent customer service!
Welcome to the NFCU family! I'm also a member of NFCU (thanks to my father's Army service) + two local credit unions.
Though you didn't ask, I'll throw out this piece of unsolicited advice. Credit unions are GREAT for banking and loan products, but they're not so great for investments.
For investments, you're better served sticking to low-cost mutual funds at one of the big three: Vanguard, Schwab, Fidelity. My personal preference is in the order I listed them. Vanguard is the best for mutual funds. If you're into individual stocks, Schwab and Fidelity are better than Vanguard.
Congrats!