Wells Fargo and Fair Isaac do not provide credit repair services or advice or assistance with rebuilding or improving your credit record, credit history, or credit rating.įICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.Ģ. Wells Fargo and Fair Isaac are not credit repair organizations as defined under federal and state law, including the Credit Repair Organizations Act. Wells Fargo looks at many factors to determine your credit options therefore, a specific FICO ® Score or Wells Fargo credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card. Please note that the score provided under this service is for educational purposes and may not be the score used by Wells Fargo to make credit decisions. Your mobile carrier's message and data rates may apply. Availability may be affected by your mobile carrier’s coverage area. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO ® Score available, and enrolled in Wells Fargo Online ®. I hope that NASA FCU keeps up their trend of offering top certificate rates.1. I didn’t have to mail in anything, like a signature card. The share certificate now shows up on my online banking page, right next to the share savings account. Day 2 – Verification deposits arrived at NASA FCU.Day 1 – Started application and got approval.Finally, I used the NASA FCU Live Chat feature to have them fund my special certificate using the funds in the share savings account. Then, Ally let me push funds with a 1-day transfer into the savings account. I had to use the 2 small test deposit method for verification, so that took a day. First, I used the account number from the approval message (see above) and the NASA FCU routing number of 255077833. My usual process is to link my new credit union with my Ally savings account hub. There may be other options like walking in a check or using a credit union shared deposit network, but I like to do things online whenever possible. After doing so, there was a message directing me to fund it with a mailed check to a specific address with 10 days: This time around, I opened their special 15-month certificate at 3.20% APY via this page. I later funded it with a bank account instead. I’m not sure if it was because it was trying to go through as a cash advance, or some other reason. I tried to fund it with $500 from a rewards credit card (to get some cash back), but the transaction was rejected. I was given the option to fund with credit card (up to $500) or bank account. As with nearly all credit unions, you must fund a share savings account with at least $5 and keep the $5 there. Write down this number as it is the account number of your share savings account. Tip: When you get the account approval e-mail, you need to open up the secure message to see your new NASA FCU account number. Social Security card), but I was not asked for anything additional. I also read some online reports about NASA FCU asking for additional documentation (i.e. My account was approved later in the same day as my application. It might show up later, but nothing so far. However, it has been a week since my application and none of my credit monitoring services (which covers all 3 bureaus) have indicated that a credit check was done, including the one that tracks Experian. This tends to be common practice amongst credit unions. Note: Based on online reports, I was expecting that applying for account would result in a hard credit inquiry, likely to my Experian credit report. They also asked a few identity verification questions, I believe based on my Experian credit report. I uploaded a scanned image of my driver’s license. You will need to provide the usual personal information – name, address, SSN, driver’s license, etc. If none of the above apply to you – we’ll provide a complimentary membership to the National Space Society (NSS) which entitles you to full NASA Federal membership benefitsįree and instant! Just click the proper option during the application process.Īpplication process. NASA FCU’s field of membership is open to affiliated people as noted in their membership page, but you can also join a special group to become eligible: Here are my notes on the application and certificate opening process that might be helpful to others. NASA FCU has had some good specials over the last year or so, and I finally decided to go through the extra effort to open an account last week since I had some funds available. I recently joined the NASA Federal Credit Union to take advantage their current certificate rate specials (as mentioned in my monthly list of best interest rates).
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