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@SouthJamaica wrote:
@Anonymous wrote:Disco offered me BT at 4.99% for 15 months so I pulled $3500 to checking and then I'll write myself a check and deposit it in to NFCU and call for the 5 year loan.
Just to make sure I am doing this right...
I pay it down to $311.50 right away and then set up recurring payments of how much? I don't want to run out the clock early on the loan but I want to minimize the interest I'm paying NFCU and keep the loan from being forgiven.
It doesn't have to be recurring payments; they can be regular payments.
I would pay $2 or $3 or so every month.
Yep I did the math and it comes out to $5.25 if I'm keeping up with the interest so I'll just shoot for $3 a month which would be $180 out of $311.50 left - should be plenty to avoid closing it out early after interest and that's a payment I can safely set to auto pay from my checking and never have to worry about it.
I'm in Texas and looking at SSFCU based on the comments here. I see a lot of people saying they had just opened the loans. Does anyone have a longer term experience with them?
@Anonymous wrote:Yep I did the math and it comes out to $5.25 if I'm keeping up with the interest so I'll just shoot for $3 a month which would be $180 out of $311.50 left - should be plenty to avoid closing it out early after interest and that's a payment I can safely set to auto pay from my checking and never have to worry about it.
@Anonymous wrote:I'm in Texas and looking at SSFCU based on the comments here. I see a lot of people saying they had just opened the loans. Does anyone have a longer term experience with them?
@Anonymous wrote:Yep I did the math and it comes out to $5.25 if I'm keeping up with the interest so I'll just shoot for $3 a month which would be $180 out of $311.50 left - should be plenty to avoid closing it out early after interest and that's a payment I can safely set to auto pay from my checking and never have to worry about it.
@Anonymous Welcome To myFICO Forums! ,
Sorry I can't help you, as I only know about The Navy (NFCU) SSL ..
But maybe @Anonymous or someone else can help?
@Anonymous wrote:I'm in Texas and looking at SSFCU based on the comments here. I see a lot of people saying they had just opened the loans. Does anyone have a longer term experience with them?
@Anonymous wrote:Yep I did the math and it comes out to $5.25 if I'm keeping up with the interest so I'll just shoot for $3 a month which would be $180 out of $311.50 left - should be plenty to avoid closing it out early after interest and that's a payment I can safely set to auto pay from my checking and never have to worry about it.
@Anonymous what specifically were you wondering about them? I don't have a loan with them right now, they gave me an auto loan back in 2009 and I have a credit card, but I'll answer if I can.
I'm pre-approved for a personal loan from Amex and they say there's no hard pull.
Does anyone know if there's a way to use this technique with Amex loans?
@Cookiegrabber wrote:
@Anonymous wrote:
Is $129 too much?
https://www.ed2go.com/adams/SearchResults.aspx?CurrPage=1&CategoryId=17&Sort=RELEVANCE&PrevSort=RELEVANCE&SortAsc=True
Nice! There are a bunch of $115 courses, too!
Can anyone confirm if taking one of the online courses will permit an out of state person to join SSFCU? I don't want to pay for a course and then get a request from the CU to come in branch to prove I'm a local. Thanks.
Called SSFCU today after reading the prerequisites for becoming a member. FYI I'm located in NYC.
I provided 2 reasons that I thought would legitimize myself for membership:
1. I traveled for work on a weekly basis to SLC, Utah to a client site. Stayed for over half of every week. Although currently not working there, I may have to again if a deal closes for more client work.
2. I'm currently enrolled in an online course at University of Utah. (One of those free e-courses)
The guy on the phone was nice. He put me on hold to ask his colleague/manager. Ultimately came back to say that I cannot be approved. They want to see some sort of ID or billing statement showing that I have residency within the 3 states they're in. It didn't matter that I mention that I've heard of people living out of state, i.e. California, got memberships because they volunteered once a year in the 3 states, or visited family within the 3 states for a few days a year.
If anyone has gotten through, I'd appreciate if you mention what story you used. Thanks.