@sznthescore wrote:
@M_Smart007 wrote:
@sznthescore wrote:I like Unify Financial Credit Union. "They are neck and neck with NFCU."
I had no idea, they were all that! .... "Navy Federal is the largest natural member (or retail) credit union in the United States, both in asset size and in membership. As of February 2022, Navy Federal has $159.8 billion USD in assets and has 11.85 million members."
I didn't mean in those regards just personally for my current financial needs at the moment as a rebuilder.
- Direct Deposit 2 days early
- Quick Loans up to $500 no credit check ($20 fee per loan, 6 week repayment period after 30 days) Have utilized a Quick Loan 2 or 3x so far.
- Secured credit card with no credit check (heard that it may unsecure after a year from a recent member who made the statement June 2022 even though its said that it would NOT graduate) Whether it unsecures or not, I am okay with that.
The benefits listed above may not apply to someone with good/excellent credit. However, Unify opened the door to establish a relastionship. My interactions with them over the last 6 months have been great. No hiccups, mishandling of application processes, therefore resulting in no complaints from me. I'm not chasing after any of their credit cards or other financial products at the moment. Everyone's needs are different. Currently, Unify is my lowest APR credit card, then NFCU, followed by Apple. NFCU is my primary finanial institution, however, not in a position to reap all of Navy Federal benefits and rewards just yet.
I've been a member for 4 years. Had no idea they have 2 day early direct deposit. Thanks for the info.
@SouthJamaica wrote:
I've been a member for 4 years. Had no idea they have 2 day early direct deposit. Thanks for the info.
@SouthJamaica I'd like to also inform you that due to their time zone (Pacific Time Zone) direct deposits from Unify arrive between 11am EST for me, but nonetheless 2 days early.
I have a membership with them and had a secured card with them for a year. They were fine. No complaints, but nothing to write home about either. I tried going for a regular unsecured card a few months after closing the secured card, but got denied. My profile isn't the best by any means, but they seem rather conservative, IMO.
I will give them this - the secured card APR was 11.49% (at the time, not sure now), which was by far my lowest APR on any of my cards (not that it matters).
@OmarGB9 wrote:I have a membership with them and had a secured card with them for a year. They were fine. No complaints, but nothing to write home about either. I tried going for a regular unsecured card a few months after closing the secured card, but got denied. My profile isn't the best by any means, but they seem rather conservative, IMO.
I will give them this - the secured card APR was 11.49% (at the time, not sure now), which was by far my lowest APR on any of my cards (not that it matters).
I concur on them being conservative and lowest APR on secured CC. I'm just going garden until I'm in a way better position. But I actually dont even want any of their cc's. I just got CC to help with rebuild plus there's no credit check.
They are inquiry sensative on chex, that i know striaght up.
They are also inq sensitive on credit apps too.
