Navy Federal CU - The REAL way in for those that dont qualify.

[Anonymous]

Awesome man. I'm getting ready to app for a few of their products, but I too also joined penfed after this and they were quite generous to me. So now the doubters can relax and we can all enjoy nfcu membership.

[Anonymous]

I think if I join PenFed now I'll get denied for all their products because of pyramiding. I've picked up A LOT of new accounts and new credit lately. But I have to join before my year is up with the Navy League. So I'm wondering if a six month break in apping will be long enough.

[Anonymous]

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@Anonymous wrote:

I think if I join PenFed now I'll get denied for all their products because of pyramiding. I've picked up A LOT of new accounts and new credit lately. But I have to join before my year is up with the Navy League. So I'm wondering if a six month break in apping will be long enough.

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That may not be the case. Check the PenFed approval stats thread in the approvals forum. Many people with tons of inquiries and new accounts are getting approved.

[Anonymous]

Holy Smokes, Batman.

Just applied to PenFed on a whim and was approved for the Cash Rewards card (5% back on gas) with a 14k limit (my highest limit ever) at 13.24% APR.

This despite just applying to NavyFed and just opening (within the last month) half a dozen accounts elsewhere. I need to stay in the garden a loooooong time. But these are incredible credit unions!. Thanks to Captool and to the anonymous contributor who suggested I was eligible for NFCU despite no military connection.

[Anonymous]

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@Anonymous wrote:

Holy Smokes, Batman.

Just applied to PenFed on a whim and was approved for the Cash Rewards card (5% back on gas) with a 14k limit (my highest limit ever) at 13.24% APR.

This despite just applying to NavyFed and just opening (within the last month) half a dozen accounts elsewhere. I need to stay in the garden a loooooong time. But these are incredible credit unions!. Thanks to Captool and to the anonymous contributor who suggested I was eligible for NFCU despite no military connection.

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Congrats on the approval... That is a good limit.  And yes, that anonymous user must work for Navy Fed or something.  They did this one post and then disappeared. Nice to see it is working for people.

[Anonymous]

Lol not a NFCU employee at all.  Just someone that thinks we should all enjoy the membership benefits of NFCU no matter what our background.  Honestly I think that the veterans (non active or retired) should be allowed in by default too.  But this way will work for everyone.

[Anonymous]

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@Anonymous wrote:

Lol not a NFCU employee at all.  Just someone that thinks we should all enjoy the membership benefits of NFCU no matter what our background.  Honestly I think that the veterans (non active or retired) should be allowed in by default too.  But this way will work for everyone.

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Oh, there you are... Good to know you are well and alive.. I agree with you. Share more tips and tricks as you come across them.

[Anonymous]

I have a sponsor, my daughter but don't want to ask.  This is a great way to get in on my own!  Thanks so much for all the info!  

[NycKid175]

Hey guys I was wondering on the Navy Federal paper application what should I put for Membership Eligibility, Affiliation and Employment Status? So far for Membership Eligibility I put “Association/Community/Company” since I joined the Navy League San Diego Council, for Affiliation I put “Navy” and for Employment Status I put "Employed Outside of the Government" is this sufficient enough or do I need to put something else? Thanks

[Anonymous]

I wrote "San Diego Navy League" off to the side and didn't check any of the boxes. None of the boxes really apply for this situation.