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RBFCU Membership Eligibility Question

MyDataMyChoice
Valued Contributor

RBFCU Membership Eligibility Question

Does anyone know the member eligibility for RBFCU 

 

https://www.rbfcu.org/loans/credit-cards



+AU on: 2008 Sears MC $2,001 | 2016 SEARS Store Card $2,001 | 2011 Synchrony Home $5,500 | 2003 FNBO Visa $9,900 | 2008 Macys Amex $3,400 | 2008 Kohls $2,000 | 2008 JC Penny $500 | 2016 TJX Mastercard $1,500 | 2018 AAdvantage Aviator MC $5,600 | 2018 HSN $4,500
Member of: Andrews FCU | PENFED CU | SDFCU | Alliant CU | NASA FCU | NWFCU | Ally Bank | BofA | Merrill | Greenwood CU | Elements Financial CU | Ocean State CU | Wells Fargo | Citizens Bank | Chase Bank | RI Credit Union | US Financial FCU
Message 1 of 13
12 REPLIES 12
Pikaboo-icu
Valued Contributor

Re: RBFCU Membership Eligibility Question

 

It's in their FAQ's, you just have to try to join and then they tell you.. Kinda silly but.... /shrugs

 

How do I qualify for membership with RBFCU?

There are several ways to qualify for membership with RBFCU. Common ways to qualify for membership include your employer, place of worship, community organization, neighborhood or school. You may also qualify through immediate family members who are part of the credit union (spouse, children, parents, siblings, stepchildren, adopted relatives, etc.). You can complete a short online application to see if you qualify for membership.

If you are unable to qualify through any of the options listed above, you may contact us and our member service specialists can help you determine if there are additional opportunities to qualify.

  


Message 2 of 13
CreditCuriosity
Moderator

Re: RBFCU Membership Eligibility Question

There is also a work around by joing a parent teachers association or something like that in one of the areas in TX which makes you eligable or did at one point in time and I believe that loop hole still exists

Message 3 of 13
bigpoppa09
Established Contributor

Re: RBFCU Membership Eligibility Question


@CreditCuriosity wrote:

There is also a work around by joing a parent teachers association or something like that in one of the areas in TX which makes you eligable or did at one point in time and I believe that loop hole still exists


I read a while back in the big thread that baller started that way in is dead  if OP doesn't qualify for the normal ways to get if they are a TX resident they can join the American Consumer Council  that will get u in.

Message 4 of 13
Tutheather22
Frequent Contributor

Re: RBFCU Membership Eligibility Question

Wow! I got lost on their website for a good while. Interesting different account options. Looks like a really good credit union to join.
Message 5 of 13
jacetx
Valued Contributor

Re: RBFCU Membership Eligibility Question

A few things to consider about RBFCU (I bank with them):

 

Pros:

- Free checks.

- Can use same pull for credit products.

- Chat function during business hours.

- My mobile deposit funds are available instantly.

- App is nice and their online banking services are up 99.99% of the time.

 

Cons:

- As a lender they are conservative.

- 2% Cash Rewards card is issued once a year.

- Not able to do cash deposits at ATM, only in Drive Thru.

 

Message 6 of 13
Df82
Frequent Contributor

Re: RBFCU Membership Eligibility Question

I don’t like conservative @jacetx

One bit..


Message 7 of 13
MyDataMyChoice
Valued Contributor

Re: RBFCU Membership Eligibility Question

isnt there CLOC a hidden LOC?


+AU on: 2008 Sears MC $2,001 | 2016 SEARS Store Card $2,001 | 2011 Synchrony Home $5,500 | 2003 FNBO Visa $9,900 | 2008 Macys Amex $3,400 | 2008 Kohls $2,000 | 2008 JC Penny $500 | 2016 TJX Mastercard $1,500 | 2018 AAdvantage Aviator MC $5,600 | 2018 HSN $4,500
Member of: Andrews FCU | PENFED CU | SDFCU | Alliant CU | NASA FCU | NWFCU | Ally Bank | BofA | Merrill | Greenwood CU | Elements Financial CU | Ocean State CU | Wells Fargo | Citizens Bank | Chase Bank | RI Credit Union | US Financial FCU
Message 8 of 13
jacetx
Valued Contributor

Re: RBFCU Membership Eligibility Question


@MyDataMyChoice wrote:
isnt there CLOC a hidden LOC?

Not anymore, I have it and it reports.

Message 9 of 13
James_A
Senior Contributor

Re: RBFCU Membership Eligibility Question


@jacetx wrote:

A few things to consider about RBFCU (I bank with them):

 

Pros:

- Free checks.

- Can use same pull for credit products.

- Chat function during business hours.

- My mobile deposit funds are available instantly.

- App is nice and their online banking services are up 99.99% of the time.

 

Cons:

- As a lender they are conservative.

- 2% Cash Rewards card is issued once a year.

- Not able to do cash deposits at ATM, only in Drive Thru.

 


That's a nice list -- thank you.

Questions: Is it a hard pull to join? Do they use TU ezclusively for credit underwriting?

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


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