Great CS Great Response to inwuires excellent all the way around
Approved Visa $500 with 647 Experian, 7 hard inquiries, 47% utilization across all my 9 cards (2 with balance). Thanks State Department FCU for the big oportunity with you, I'm in love with SDFCU and their great 5 stars service. LOVE forever.
This institution has never ever said no to me. When other try to take advantage and charge you higher interest, seven seventeen gave me a better deal on my car loan interest rate, also the very same week offer me a credit card. Really the best. The process is smooth and very quick.
I have been a PSECU member for 20+ years, since I was a teenager actually. (Go, mom!) I have been impressed with them many times over the years. I have had checking and savings accounts with them, as well as a credit card, a personal loan, and a car loan. I have always felt like they were providing a good product and value. I have never felt like they were trying to take advantage of me like I have felt with some banks. They may not have many branches, but when in PA there are ample ATMs in their network, and they have a fairly generous ATM fee reimbursement policy, I almost never pay an ATM fee. I've used my accounts normally while living in several other states for years and conducted all my business through ATMs or online, including deposits in ATMs, mail, and now digitally through my smartphone. Their online banking experience has been pretty solid since there was such a thing as online banking. I really respect that. I have used a lot of other online banking services and I always compare them to PSECU's online experience. Their mobile app has most of the same features but it a little odd at times.
I occasionally look to see if there are other options out there (in the non-PA state I live in) but I have yet to find one that holds up.
I applied for an checking and savings. There was a bit of a mix up with documents to verify my identity but overall good. Then applied for a credit card and got approved the same day. Once applied I called into the cutomer service number to ask them could they give me a response now opposed to the 24hr wait. And sure enough I got approved for 24K limit. Keep in mind i have never had a limit higher than 2k. I am 3 year post BK and my scores are 679/694/638 probabbly a little higher becuase i had paid down my cards a month ago and i have not seen my new scores yet. BUt yes I am loving my new accts with Navy Federal.
Told me a rate by phone and e mail for a very specific purchase. I applied, spent money getting things inspected and arranged. Waited just about a week for them to work, SEF came back with an approval much higher than quoted stating they never gave me the lower rate. Other stuff also but this is the primary complaint of mine.
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