CREDIT UNION LIST

HP MEANS - HARD PULL

SP MEANS - SOFT PULL

I've dealt with a few of these, and here are my experiences and info I've gotten from
various CUs I've researched. I try to keep it updated, but always double check with
them first:
PenFed: HP on EQ to join, will reuse that for at least 30 days for other products. Also, if

you open a checking account after you're already a member, they'll HP you for that.

Golden1: Have read on other boards that you can get deposit accounts outside of CA, but

not credit products. HP on (probably) EX to join, but I've heard mixed results on that.

Alliant: SP on EQ to join + Chex. Very friendly, decent rates, good online banking. ACH

transfer speed & limits are awesome.

Now a SP on EQ to join. I think they've raised them, but a couple years ago 680 would get

you the best rates at least on auto loans. Refi'd a loan from 15% to 2.49% with them! 5%

APY up to $1000 on your primary savings.

Bethpage: SP to join.

MACU: HP on EX to join, will reuse HP (not sure on time window).

LMCU: HP on EX (used to be TU, but CSR told me EX last week) + Chex. Reports are

they're pretty Chex INQ, new account, and exposure sensitive.

DFCU: Told no credit check to join, don't know about Chex.

A+: HP on EX, will reuse for 60 days.

Affinity Plus: HP on TU, told will NOT reuse for other credit products.

AgFed: No HP, possible SP on EQ + Chex

Air Force FCU: SP on EQ + Chex

America's CU: HP on EX, will reuse for 30 days

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CREDIT UNION LIST
HP MEANS - HARD PULL
SP MEANS - SOFT PULL

Apple FCU: SP on EX + Chex

Bellco: HP on *probably* EX

Blue FCU: Reports are they're very Chex INQ sensitive

CapEd: SP on EX or TU

Chartway: SP to join, use all 3 bureaus and is geographical. East=EQ, Central=TU,

West=EX

Connexus: HP on TU, don't reuse

Consumers CU (IL): HP on TU to join, will reuse if you call them. If you apply online, it'll

auto-pull again. Great rates, nice customer service, cash rebate card is good. Online

banking is pretty terrible though.

EECU: HP on EQ to join, was told they don't reuse

ETFCU: SP on TU to join, Chex INQ sensitive. This was reported on other sites, and I missed

it. Denied w/ ~5 INQs in the past year.

First Financial: HP on TU

GTE: HP on EQ

Hiway: HP on EQ, reuse for 90 days

Langley FCU: HP EQ, reuse 30 days

Marine FCU: SP EQ - **note, this is the one in NC, NOT the one in Wisconsin**

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CREDIT UNION LIST
HP MEANS - HARD PULL
SP MEANS - SOFT PULL

McGraw-Hill: SP EX

MSU FCU: HP EX

NASA FCU: HP EX

Northrup-Grumman FCU: No HP to join, they use EX for loans

NWFCU: SP on EX

NRL FCU: SP EQ

NuVision: SP EX

Ohio University CU: HP TU, reuse 90 days

PARDA FCU: HP EX, reuse 30 days

Partner CO: I was told SP on EX, but I've also heard HP other places

Premier America: Was told no credit pull, but they use EX. Have heard others report they

got a HP.

Premier Members: HP on EQ or EX, couldn't answer if they reuse

SCE FCU: SP on EX

Self-Help: No HP to join

Signal Financial: SP EQ

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CREDIT UNION LIST
HP MEANS - HARD PULL
SP MEANS - SOFT PULL

Signature FCU: SP on EQ + Chex. Applied last week, still 'Pending', but another site did an

article on their high-yield checking right around the same time, so I think they got

inundated. The membership director actually posted on the article comment section, so

I'm thinking there will be extra scrutinizing for a while.

Silver State Schools: SP on EX

SDFCU: HP on EX, very conservative

Superior Choice: Savings: No HP or SP, Checking: SP on TU, Credit: HP on EQ

Tampa Bay FCU: HP on EX

Trustone: HP EX, reuse 30 days

Unify FCU: SP on EX + Chex

University FCU: There have been discussions on other boards that if you're outside TX,

they'll ask you to come into a branch to validate your identity, so YMMV

US Alliance: HP EX, reuse 30 days

Velocity CU: No SP/HP, probably Chex

Veridian CU: HP EQ, reuse 30 days

Wings Financial: HP EX, said MAYBE they'll reuse

www.bellasloanllc.com
CREDIT UNION LIST
HP MEANS - HARD PULL
SP MEANS - SOFT PULL

Some not on this list:

Altra FCU - formerly Trane FCU (join the Altra Foundation) - HP on TU, will reuse

American Heritage Credit Union - Donate to Kids-N-Hope Foundation - HP EX, reuse 30

days

Interior FCU - join New Mexico Wildlife Foundation - HP EQ, reuse 30 days

Justice FCU - join Nat'l Sheriff's Assoc - HP EQ

Virginia CU: join Virginia Assoc for Career and Tech Education - no SP/HP (probably

Chex)

United Nations FCU (UNFCU) - join UNA-USA - SP EX + Chex. My experience was pretty

negative with them.

Financial Fitness Association CUs: ($8 to join I think)

CommonWealth Central CU

Financial Partners CU

Tech CU - SP on EX + Chex

San Diego County CU - HP on EX

"39) Premier Members: HP on EQ or EX, couldn't answer if they reuse"

Was not aware they might use Equifax sometimes; if they'd have checked through that I

might have gotten in since Digital Federal CU used them and approved me. Though DCU's

credit inquiry was electronic and automatic, whereas PMCU had me wait for a live loan

officer to manually assess my credit situation before declining me.

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