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Southern California Credit Unions

New Contributor

Southern California Credit Unions

Hi,
I’m looking to join a local credit union here in Southern California but doing a few searches, all have fair to horrible reviews. Just to name a few LBS Financial, WESCOM, NuVision, Students First etc. In February I applied membership for DCU but my membership was denied and the reason: “Unable to adequately verify the information provided” which they did not give me a real answer so I will not be applying again since I took 2 hard pulls and got nothing out of it. I’m looking to take out a small boat loan, anyone located in the LA/Orange county have any recommendations?

Message 1 of 29
28 REPLIES
Super Contributor

Re: Southern California Credit Unions


@Procharged392 wrote:
Hi,
I’m looking to join a local credit union here in Southern California but doing a few searches, all have fair to horrible reviews. Just to name a few LBS Financial, WESCOM, NuVision, Students First etc. In February I applied membership for DCU but my membership was denied and the reason: “Unable to adequately verify the information provided” which they did not give me a real answer so I will not be applying again since I took 2 hard pulls and got nothing out of it. I’m looking to take out a small boat loan, anyone located in the LA/Orange county have any recommendations?

Unify FCU is a great credit union. I just got the best credit card from them that I've ever seen.


FICO8 EQ 743 TU 777 EX 752 Total revolving limits 618800 (508800 reporting)
Message 2 of 29
New Contributor

Re: Southern California Credit Unions

Could you elaborate on the membership process and which report they pulled? There’s so many out there, just want to separate the bad from good(that goes for the loan rates as well).

Message 3 of 29
Super Contributor

Re: Southern California Credit Unions


@Procharged392 wrote:
Could you elaborate on the membership process and which report they pulled? There’s so many out there, just want to separate the bad from good(that goes for the loan rates as well).

Sorry, I have no recollection of that.


FICO8 EQ 743 TU 777 EX 752 Total revolving limits 618800 (508800 reporting)
Message 4 of 29
Frequent Contributor

Re: Southern California Credit Unions

I had Logix when I was in southern California. Their rates weren't anything to jump up and down about at the time but their customer service was awesome and I believe Logix got rated in the top 5 last year for customer service I believe.

 

Good luck!



STATUS: Gardening until October 30, 2019
CURRENT FAVORITE CARD: American Express Rose Gold Card
Message 5 of 29
New Contributor

Re: Southern California Credit Unions

If I can find a CU with a great rate and A+ customer service that’ll be a win win but at this point I’m open to any CU in North America with a fairly decent rate.

Message 6 of 29
Valued Contributor

Re: Southern California Credit Unions

I have Navy Fed and their customer service is outstanding. There are many threads in this board about them if your looking for specifics 😊
| EX 685
| Arrowhead CU Personal Loan | Arrowhead CU Auto Loan |
| Kohls | JC Penney | eBay MC | Arrowhead Visa |
Message 7 of 29
Valued Contributor

Re: Southern California Credit Unions

I forgot to add I have my savings account with the . I have my loans with Arrowhead Credit Union which is here in the Inland Empire where I live .
| EX 685
| Arrowhead CU Personal Loan | Arrowhead CU Auto Loan |
| Kohls | JC Penney | eBay MC | Arrowhead Visa |
Message 8 of 29
Highlighted
New Contributor

Re: Southern California Credit Unions

Thank you for the recommendations. I actually stay in the IE every weekend so I’ll definitely look into Arrowhead CU. As far as Navy Fed, I don’t think I would be accepted due to not having any realitives who served in the military.

Message 9 of 29
Frequent Contributor

Re: Southern California Credit Unions


@SouthJamaica wrote:

@Procharged392 wrote:
Could you elaborate on the membership process and which report they pulled? There’s so many out there, just want to separate the bad from good(that goes for the loan rates as well).

Sorry, I have no recollection of that.


When I joined it was a SP on EX and a Chex INQ (actually a couple of them IIRC). I also had to securely email them a copy of my DL and I think a utility bill for identity verification. For credit products, it's a HP on EX, and I think they'll reuse for 30 or 60 days.

EQ: 756 (05)/826 (08)INQs: 5EX: 816 (08)INQs: 13TU: 786 (08) (Split File - FIXED!)INQs: 11
AAoA: ~5.7 years, oldest account 17.7 years
Total Credit Line: ~$246K
Message 10 of 29