I and my husband already have USAA - should we join NFCU?

[SecretAgentWoman]

I had USAA thanks to my retired Army father.

 

My husband I introduced to USAA but would have qualified on his own for 4 years in the Marine Corps.

 

From what I understand, he doesn't qualify for NFCU but I do.

 

So...should I jump through hoops for this credit union or do you think there is nothing significant gained over USAA??

[credithunting]

Y E S J O I N they are the largest and one of the best credit unions in the country.

[pistolp44]

Yes, definitely join.

[shaunbnp]

Absolutely! have been a member with usaa for a yr so can't get approved for anything from them, still rebuilding. Navy fed joined Saturday through my brother and was approved 15k navchek and 5k go rewards. On top of that everyone I have talked to there has been very nice and extremely helpful.

[Tatortodd]

its well worth it to help your credit. I have 2 credit cards with 25k starting limits, and the NavCheck at 15k. i had to jump through hoops even with my wife being active duty, including driving an hour to the nearest branch to provide proper documents.

[mechanicworkman]

I got out of the militarty in 2008. I sure wish i would have known then to open an account! now I'm stuck and don't qualify! Don't kick yourself in the butt later. APPLY TODAY!

[Fitzhume]

Join now. Once a member, always a member.

[SecretAgentWoman]

Well, Dad won't join. He's happy with USAA. So that's that.

[NoPresetSnarkLimit]

Stubborn! Keep talking to him, it's not for him, he needn't use it, just open the door for you.

[PotO]

Navy is great. Interest-free loans and 5% CDs. It's crazy not to join.

[Fitzhume]

There have been many discussions here about joining NFCU through an eligible member, even when that eligible member does not join themselves.

[credithunting]

There have been many discussions here about joining NFCU through an eligible member, even when that eligible member does not join themselves.

OP If your dad is retired and receiving a pension from the DoD you are eligible to join just have his DD214 available in case of a review.

[thewanderer]

I got out of the militarty in 2008. I sure wish i would have known then to open an account! now I'm stuck and don't qualify! Don't kick yourself in the butt later. APPLY TODAY!

Don't kick yourself too hard, before May 2008 branches other than Navy weren't allowed to join and very few in 2008 would have known membership opened up to other branches.

 

OP do it! Even if you don't feel you need them now, one day you might! I got an incredibly low rate on my mortgage through them!

[PotO]

 

I got out of the militarty in 2008. I sure wish i would have known then to open an account! now I'm stuck and don't qualify! Don't kick yourself in the butt later. APPLY TODAY!

Don't kick yourself too hard, before May 2008 branches other than Navy weren't allowed to join and very few in 2008 would have known membership opened up to other branches.

OP do it! Even if you don't feel you need them now, one day you might! I got an incredibly low rate on my mortgage through them!

Of four branches, Navy wasn't the only one that could join before 2008.

[usnftcret]

I had USAA thanks to my retired Army father.

 

My husband I introduced to USAA but would have qualified on his own for 4 years in the Marine Corps.

 

From what I understand, he doesn't qualify for NFCU but I do.

 

So...should I jump through hoops for this credit union or do you think there is nothing significant gained over USAA??

You shouldn't have to jump through any hoops if you qualify for membership. Getting a NFCU membership is a no brainer, just do it. NFCU is better than USAA, I have both.

[Stephano1]

if NFCU better than PenFed?

 

Worth joining if already with PenFed?

[OmniCamaro]

If you're looking for credit no matter what your history then don't join for that reason alone. They aren't approving me for anything. Bad history though.

 

 

Camaro addict!

[Ginnysaved32]

Good information!!🤓

[recruiting]

NFCU saved me/us after the short sale. They approved me for a "new to me" car loan 3.99%, a 10K visa credit card and a good veterans rate reduction refi (that I have re done again btw for a lower rate.) USAA was the one thing that made our short sale take 2.5-3 years to complete. They were impossible to deal with. The 1st mortgage holder worked well with us and the lawyer, but that USAA uaaahum!

 

USAA is good, but I have soft spot for NFCU. They were there for us when we needed them - even with a very recent short sale on my credit. NOTE: everything else on my credit report was positive, they asked a few questions about it but did not seems too concerned. We kept it all up when the house when so that probably helped get us through.

 

Good Luck!

[cdilisio47]

Absolutely join. NFCU is my main bank and all of it is online. No branch here in Palm Beach Florida. They are always available 24/7 and great credit lines and I just finished a re-fi for my home and included a HELOC at the same time. Great advice from them and service has been amazing. I also have USAA and have no problems with them either but better to have two banks watching your back than one. Go for it.

[NVuLakLnez7d]

On 1/16/2016 at 6:21 PM, Stephano1 said:

if NFCU better than PenFed?

 

Worth joining if already with PenFed?

I don't think one is necessarily better than another, they all have their advantages.  As there's no cost, join them all and shop rates.

[ELeo]

I just joined NFCU today and Was looking for a credit union for awhile. I had USAA for years but never got approved for anything. Did have bad credit at the time I had USAA. As I’m in the rebuilding part I’m looking forward to working with NFCU

[hegemony]

On 8/24/2020 at 9:32 PM, ELeo said:

I just joined NFCU today and Was looking for a credit union for awhile. I had USAA for years but never got approved for anything. Did have bad credit at the time I had USAA. As I’m in the rebuilding part I’m looking forward to working with NFCU

Did you apply for credit with NFCU?

[hegemony]

On 10/22/2014 at 11:19 PM, PotO said:

Of four branches, Navy wasn't the only one that could join before 2008.

SpaceForce?

[PotO]

7 hours ago, hegemony said:

SpaceForce?

 

Nice try, Hege, but no cigar.

 

Now that we've eliminated two of six, maybe your wild guess won't be so wild now.