Navy Federal Credit Union

[Anonymous]

Hi,

I’m a NFCU member and have a great relationship with them. A family member asked me to refer them, but I’m not sure if they are financially responsible so I’m hesitant. I’ve worked hard to rebuild and don’t want to mess up a good thing. What’s the best way to handle without offending my family member? Will their account status impact my relationship with NFCU?

[AllZero]

If family member is outside the eligibility, there is your out.

• Parents
• Grandparents
• Spouses
• Siblings
• Children (including adopted and stepchildren)
• Grandchildren

[Anonymous]

Nope. I’m the link only left now.

[AllZero]

There's your solution.

To answer your question, I don't think their account status will impact your relationship with Navy.

Maybe your family member can use your experience to help rebuild/build their profile?

[Anonymous]

That is what I was hoping to hear! I’m all in because I’ve definitely been helped along the way and am still being helped.

[AllZero]

Only way it could impact you is if it were a joint account. Which, I'm sure you will not do.

[gingerflower]

I agree with Allzero your profile and credit won't be impacted as long as you are not joint on the application. I wouldn't recommend being a Joint applicant...

[OmarGB9]

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@gingerflower wrote:
I agree with Allzero your profile and credit won't be impacted as long as you are not joint on the application. I wouldn't recommend being a Joint applicant...

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Even if OP did open a joint account with said family member, that still wouldn't make the family member a member of NFCU. It's in their policy. Anyway I don't think OP was referencing a joint account, just a "way in" for said family member.

But yes OP,  rest assured, you can't sponsor them even if you wanted to unless they're directly related as mentioned above.

[Anonymous]

I don't think your relationship will be impacted not unless you add them to your account.  In this way there will be impact on you.  But to be sure I would call and ask customer service then make your decision.

[gingerflower]

@Anonymous I have referred  pretty much of my family members and today they are all thankful! bcuz now there credit is well established!