So, I joined a credit union today.

[EyeMWing]

A stack of checks, a Visa credit card and a Visa check card are in the mail. $300 sitting in savings, $200 in checking. They also gave me a snazzy membership ID card with my member number and photo. It's MUCH better than my driver's license photo, and it was taken with a $50 P&S digital camera from Walmart, while the DL photo was taken with a $5000 piece of specialized DMV photo equipment. That is all.

 

[Pepsi90919]

wtf? how do you know the specs of the cameras used at the DMV and this place?

 

[EyeMWing]

Originally posted by: Pepsi90919
wtf? how do you know the specs of the cameras used at the DMV and this place?

Because I recognized the camera they were using here as a POS sold at the Best Buy across the street, and because the DMV is state-run and it was some ridiculous piece of hardware that looked nothing like a camera. Therefore, it cost $5000.

 

[MichaelD]

Originally posted by: Pepsi90919
wtf? how do you know the specs of the cameras used at the DMV and this place?

Hi, I'm EyeWing and I want to join your fine Credit Union. What? Sit there for a photo? My, how nice of you. *click* Hey....that's a good picture of me. What kind of camera is that? You don't say! Mind if I take a few OF YOU?

Oh, yeah, the camera LOVES you, BABY!! *click-click-click-click* This is a mighty fine WalMart 2000DC!!!! Thanks for letting me check it out!!!

And THAT is how he knows.

 

Originally posted by: EyeMWing
A stack of checks, a Visa credit card and a Visa check card are in the mail. $300 sitting in savings, $200 in checking. They also gave me a snazzy membership ID card with my member number and photo. It's MUCH better than my driver's license photo, and it was taken with a $50 P&S digital camera from Walmart, while the DL photo was taken with a $5000 piece of specialized DMV photo equipment. That is all.

What are the requirements for joining a credit union? Someone told me something long time ago about having to meet certain criteria such as being a member of a non-profit organization or knowing someone who already had membership. So I never bothered trying to join a CU. I'm curious though. How could one qualify for a membership?

 

[radioouman]

I like being a member of a credit union. Membership has its benefits

 

[EyeMWing]

Originally posted by: DearQT

Originally posted by: EyeMWing
A stack of checks, a Visa credit card and a Visa check card are in the mail. $300 sitting in savings, $200 in checking. They also gave me a snazzy membership ID card with my member number and photo. It's MUCH better than my driver's license photo, and it was taken with a $50 P&S digital camera from Walmart, while the DL photo was taken with a $5000 piece of specialized DMV photo equipment. That is all.

What are the requirements for joining a credit union? Someone told me something long time ago about having to meet certain criteria such as being a member of a non-profit organization or knowing someone who already had membership. So I never bothered trying to join a CU. I'm curious though. How could one qualify for a membership?

My dad is a member. Had to drag his boring ass along.

 

[EyeMWing]

Originally posted by: radioouman
I like being a member of a credit union. Membership has its benefits

Yours does special favors too!?!?

 

[Red]

Originally posted by: DearQT

Originally posted by: EyeMWing
A stack of checks, a Visa credit card and a Visa check card are in the mail. $300 sitting in savings, $200 in checking. They also gave me a snazzy membership ID card with my member number and photo. It's MUCH better than my driver's license photo, and it was taken with a $50 P&S digital camera from Walmart, while the DL photo was taken with a $5000 piece of specialized DMV photo equipment. That is all.

What are the requirements for joining a credit union? Someone told me something long time ago about having to meet certain criteria such as being a member of a non-profit organization or knowing someone who already had membership. So I never bothered trying to join a CU. I'm curious though. How could one qualify for a membership?

I'm a member of the Cincinnati Federal Employee Credit Union. My father works for the Dept. of Treasury (federal employee) so I get access because of him. Amazing rates and they approved me (at age 20) for a 5.7% car loan on an 7 year old used car last year.

When I was a collector at Citibank, they allowed all members (like 2000+ in my building alone) access to a credit union.

All teachers in the state of Kentucky here have access to an educators' credit union.

Seems that most of them are work-oriented.

BTW, how have you been DearQT? Long time no talk.

 

[EyeMWing]

Oh, and I should note that I stole a REALLY cool pen from there by mistake. Now I see why everyone has drawers full of pens from banks and stuff, they're so f'ing easy to walk off with by accident.

 

[wiredspider]

Originally posted by: radioouman
I like being a member of a credit union. Membership has its benefits

Such as?

 

[gabemcg]

Originally posted by: wiredspider

Originally posted by: radioouman
I like being a member of a credit union. Membership has its benefits

Such as?

Free pens apparently...

...they must not have the little anchor chain thingys @ credit unions...

 

[mobobuff]

Yep, I opened up a CU account last year, nice benefits and fall-back procedures like anti-check bouncing and stuff. The photo was also marginally better than my DL photo.

 

[wiredspider]

Originally posted by: gabemcg

Originally posted by: wiredspider

Originally posted by: radioouman
I like being a member of a credit union. Membership has its benefits

Such as?

Free pens apparently...

...they must not have the little anchor chain thingys @ credit unions...

My bank has tons of cheapo plastic pens for the taking. They have their logo on them so instant cheap and subliminal advertisting for them!

 

[imported_Mike]

Credit unions are a pain in the ass, they usually don't have a lot of branches which means less ATM locations and nothing is free(except for the pens ) yet they don't give you anything in return.

and why would you have any money in their savings account? Are they giving you more than 2.6%?

 

[FP]

well with only $300 in savings i don't think he has many options...

 

[beatmix01]

Does the credit union charge you for using ATMs outside of their network? If they dont then where ever there is a WaMu you get withdrawals for free.

 

[imported_Mike]

Originally posted by: binister
well with only $300 in savings i don't think he has many options...

$1 minimum for ING