I finally joined NFCU yesterday and it was easy and painless (should have done this a long time ago). Opened Flagship checking, basic savings, and cashRewards credit card ($3k SL @ their current lowest 11.65%) in one sitting at my local branch. Only one HP to TU. My TU Fico8 dropped from 820 to 817 with this new HP. I haven't applied for the CLOC yet. Figured I should wait and build history with them before applying for that and another card, unless the NFCU experts here have good reasons for going for the CLOC now. I'm looking forward to moving my primary finances here.
| Chase Freedom $9.5k | LFCU Platinum $25k | AmEx Blue $10k | AmEx Platinum NPSL | Discover $7.5k | CapOne QS $19k | REI MC $13k | AmEx ED $1k | BofA CashRewards $2k | Citi Rewards+ $13.7k | Chase Sapphire $22k | Citi Premier $18k | CapOne GM BuyPower $10k | AmEx BlueCash Preferred $23.1k | NFCU cashRewards $9k | GS Apple Card $20k | NFCU Go Rewards $25k |