@Anonymous wrote:
@Curious_George2 wrote:
@Anonymous wrote:Yep NFCU customer service is awesome. They're one of the few phone calls I don't dread making.
Very well stated! I feel exactly the same way.
Maybe I attach more weight to this factor than I should, but for me NFCU's superior customer service is creating a strong gravitational pull. I'm a brand new member there, and am considering moving more of my banking to them.
It's something I've found myself thinking about from time to time. They have fast ACH too so you can do free push to external accounts and have it show up next day with most FIs. I don't know why they don't let you deposit with ACH pull though.
I just moved my entire savings account to NFCU after joining. SunTrust sent 2 small deposits to my savings. 0.16 and 0.20. To verify the account. They didnt allow them to withdrawl the small deposits. I called and some govt mumbo jumbo they couldnt release it. So I had to get a cashiers check and deposit it in branch. Showed up 2 days later.
@Anonymous wrote:Not even half an hour!
I am assuming it’s going to take a bit to show up on my account list like my CLOC did so I’ll just check back later tonight or tomorrow to pay it down. They made this process insanely easy!
I honestly feel so slow when trying to understand if I would be putting up a little over $6000 towards a $3000 NFCU SSL? Open a secured loan with $3000 and then pay it down to 8.9% UTL with $2,760 on top of what I already put to open the loan? Am I not understanding this?
I really want to understand it because I do have $3K to open an SSL with NFCU. It would def. help my scores because I do not have any installment loans on my report and have not had one since June 19'. As a last resort if I cannot afford the NFCU SSL to open and pay it down to 8.9% then I will settle for a self lender loan which is what I used last year.
@CivalV wrote:
@Anonymous wrote:
No you put up the 3000 and then they put 3000 in your account. Then if you pay back 2500 they release 2500 to you so you only have 500 tied up. Do NFCU not self lender.Ohhhhh, now I completely understand! Thanks for clarifying for me. One other question, do I need to have the $3010 available in my NFCU savings or my NFCU checking? I have to transfer funds from my Chase account since Chase is my primary account.
@CivalV You put it into the NFCU savings account.
@CivalV wrote:
@Anonymous wrote:Not even half an hour!
I am assuming it’s going to take a bit to show up on my account list like my CLOC did so I’ll just check back later tonight or tomorrow to pay it down. They made this process insanely easy!
I honestly feel so slow when trying to understand if I would be putting up a little over $6000 towards a $3000 NFCU SSL? Open a secured loan with $3000 and then pay it down to 8.9% UTL with $2,760 on top of what I already put to open the loan? Am I not understanding this?
I really want to understand it because I do have $3K to open an SSL with NFCU. It would def. help my scores because I do not have any installment loans on my report and have not had one since June 19'. As a last resort if I cannot afford the NFCU SSL to open and pay it down to 8.9% then I will settle for a self lender loan which is what I used last year.
You put $3100 (so they don't try to stick you with a 3 year term) in the savings, call to ask for the loan, they put the $3100 loan in in your checking and freeze the savings, you pay the loan down to $275 and they give you back $2825 of your frozen funds.
@Anonymous wrote:
@CivalV wrote:
@Anonymous wrote:Not even half an hour!
I am assuming it’s going to take a bit to show up on my account list like my CLOC did so I’ll just check back later tonight or tomorrow to pay it down. They made this process insanely easy!
I honestly feel so slow when trying to understand if I would be putting up a little over $6000 towards a $3000 NFCU SSL? Open a secured loan with $3000 and then pay it down to 8.9% UTL with $2,760 on top of what I already put to open the loan? Am I not understanding this?
I really want to understand it because I do have $3K to open an SSL with NFCU. It would def. help my scores because I do not have any installment loans on my report and have not had one since June 19'. As a last resort if I cannot afford the NFCU SSL to open and pay it down to 8.9% then I will settle for a self lender loan which is what I used last year.
You put $3100 (so they don't try to stick you with a 3 year term) in the savings, call to ask for the loan, they put the $3100 loan in in your checking and freeze the savings, you pay the loan down to $275 and they give you back $2825 of your frozen funds.
So I opened the NFCU SSL.. I was told there would be no HP BUT I just got a notification that NFCU pulled TU? **bleep**
@CivalV wrote:
@Anonymous wrote:
@CivalV wrote:
@Anonymous wrote:Not even half an hour!
I am assuming it’s going to take a bit to show up on my account list like my CLOC did so I’ll just check back later tonight or tomorrow to pay it down. They made this process insanely easy!
I honestly feel so slow when trying to understand if I would be putting up a little over $6000 towards a $3000 NFCU SSL? Open a secured loan with $3000 and then pay it down to 8.9% UTL with $2,760 on top of what I already put to open the loan? Am I not understanding this?
I really want to understand it because I do have $3K to open an SSL with NFCU. It would def. help my scores because I do not have any installment loans on my report and have not had one since June 19'. As a last resort if I cannot afford the NFCU SSL to open and pay it down to 8.9% then I will settle for a self lender loan which is what I used last year.
You put $3100 (so they don't try to stick you with a 3 year term) in the savings, call to ask for the loan, they put the $3100 loan in in your checking and freeze the savings, you pay the loan down to $275 and they give you back $2825 of your frozen funds.
So I opened the NFCU SSL.. I was told there would be no HP BUT I just got a notification that NFCU pulled TU? **bleep**
You sure it's a new HP and not a delayed notification for your card? NFCU normally pulls EQ for loans, TU is what the pull for cards.