Wescom credit union

[Creditaddict]

Last thread I see is 2014, any newer information on them?

still EX pullers?

do they get inquiry sensitive?

[TheFIGuy]

Wish I could help! I almost joined them but got extremely lucky with SchoolsFirst Federal Credit Union and joined them. I'll be creating a thread for SchoolsFirst Federal Credit Union once I'm ready to apply for some of their products.

[Kforce]

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@Creditaddict wrote:

Last thread I see is 2014, any newer information on them?

still EX pullers?

do they get inquiry sensitive?

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 Have been a member for 20+ years.

Any specific questions, will answer best I can !

Pretty good loan rates (Auto, Personal, Etc.), have use for car.

Excellent online banking and customer support.

Poor CD, savings, money market, etc. (Not a place to keep money)

Fast ACH transfers, and a nice hub to push funds to other savings, money market, investment accounts.

They have membership tiers for rates and benefits.

Credit cards get good CL but worthless rewards.

Need to use them a little or checking has fees's unless student or over 60.

Need 5 points to become fee free, and 8 points for best loan and interest rates.

[Anonymous]

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@Kforce wrote:

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 Have been a member for 20+ years.

Any specific questions, will answer best I can !

Pretty good loan rates (Auto, Personal, Etc.), have use for car.

Excellent online banking and customer support.

Poor CD, savings, money market, etc. (Not a place to keep money)

Fast ACH transfers, and a nice hub to push funds to other savings, money market, investment accounts.

They have membership tiers for rates and benefits.

Credit cards get good CL but worthless rewards.

Need to use them a little or checking has fees's unless student or over 60.

Need 5 points to become fee free, and 8 points for best loan and interest rates.

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But according to the website, a slight loophole, if you have been a member for 50+ years, you get automatic Platinum Signature!  So plan early (open an account for your newborn) and you don't have to worry about the other relationship stuff!

[Kforce]

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@Anonymous wrote:

But according to the website, a slight loophole, if you have been a member for 50+ years, you get automatic Platinum Signature!  So plan early (open an account for your newborn) and you don't have to worry about the other relationship stuff!

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Almost at that 25 years for another point ! 

[Kforce]

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@Anonymous wrote:

But according to the website, a slight loophole, if you have been a member for 50+ years, you get automatic Platinum Signature!  So plan early (open an account for your newborn) and you don't have to worry about the other relationship stuff!

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They do have a real loophole.

They figure your status every December and lock your level until they check following December.

It would be easy to get a 3 month CD with 500, put 1000 in checking & 5k in savings, etc for Nov, Dec and then move funds out in Jan.

Same for CC and Debit card use, a couple charges for a couple of months.

Keep status all following year.

[PullingMeSoftly]

@Creditaddict great timing on this post, I was just looking at Wescom a couple days ago for their bonus:

• Open a new Wescom Checking Account and maintain a $100 average daily balance, you’ll get $100.
• Use your debit card at least twice for two consecutive months and get $50.
• Make a qualifying direct deposit of $500 or more for two consecutive months and get $100.
• Get another $250 when you fund a qualifying loan product

[Kforce]

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@PullingMeSoftly wrote:

@Creditaddict great timing on this post, I was just looking at Wescom a couple days ago for their bonus:

• Open a new Wescom Checking Account and maintain a $100 average daily balance, you’ll get $100.
• Use your debit card at least twice for two consecutive months and get $50.
• Make a qualifying direct deposit of $500 or more for two consecutive months and get $100.
• Get another $250 when you fund a qualifying loan product

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Just so you know, they want a real direct deposit not just a monthly ACH transfer.