Penfed Credit Union Credit Card Tier List & Hacks (2023) Full Edition

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Credit unions often offer competitive financial products with better rates and fees than a typical bank. Here are the best credit unions you can bank with. When ranking the best credit unions, we focused on the following criteria:
* Easy to join
* Available nationwide
* Wide variety of financial products
* Variety of online and mobile services
* National Credit Union Administration (NCUA) insured up to $250,000

A credit union is a nonprofit financial institution that’s owned by its members. They often provide the same kinds of financial products as traditional banks, including checking accounts, high-yield savings accounts and credit cards. But the terms are often better because credit unions reinvest the profits they make from interest and account fees back into the products they offer, whereas banks give their profits to shareholders.
Since a credit union is owned by its members, you’ll need to meet eligibility requirements in order to join and open an account. The eligibility requirements differ across credit unions, but can include where you live or work or affiliation with certain groups, such as labor unions or schools. Many of the best credit unions also allow you to join by donating a small fee to a participating organization. #penfed #creditunion #creditunions

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About Limitless Culture and Mike Meza:
Hi, I'm Mike. I established Limitless Culture with a singular objective, to improve creditworthiness and provide credit education for regular, everyday people with fun and engaging content, DIY products, and (for some because no everyone needs it) monthly credit repair services for people with specialty disputing needs. I want to empower working-class people and their families to be able to take control of their credit files the right way.

[SledgeIncTeam]

I've been with PenFed for a couple years now. One my very first day of membership, I applied for the Power Cash Rewards card, it went into pending for a couple days and came back with a 25k approval. I applied for the Pathfinder a few weeks ago and got $12, 500. But... I also have 31 other cards though. Some Personal, Some Business and some I got just for Youtube content.

[Renaissance_Man]

You’re getting a secure loan, and paying back the money borrowed. Do not spend the borrowed money. It’s only to build the relationship and move on to bigger unsecured loans.

[mace]

So a little update, I got the cash card 15k after a year membership with 5 dollars, prequalified offer on email, 90 days later email for platinum reward 8k, 40 inquiries at the time, so today 5/3/23, I applied for a prequalify personal loan from email, offer was 5k for 17.9 percent, called in to complain that my Usaa rate advantage was a better rate for 5k, while on the phone they offered and gave me 15 months no interest on a new gold card 12.5k.

[silverb_ceo]

ive had pennfed since 2021, i knew all about navy fed sauce but i had no idea that penfed had no cash advance fee. video sas suped valuable. EVERYBODY does navy fed, nobody breaks down penfed

[zatoth]

Most credit unions, regardless, are better options than banks. They are co-ops, so they are owned and driven by the members. They also tend to work with their members, especially in times of hardship. Credit Unions have a Board of Directors elected from the membership and are volunteers. They do not have high interest rates and interest rates are capped. Credit unions cannot engage in risky investing practices, which helps their stability.

[ginaconwell]

You do the best videos, and give out very informative information. ❤

[kingyelly]

This is the first of your videos I have watched and I have to say that you know what you're talking about.

[gsnovato_autotech]

You don't just have to be current or ex military to be an Honors advantage member. You can simply have both a checking and savings with them

[benlee]

So if the gold card has an introductory 0% apr and no cash advance fee and you liquidate the card could put that money into a CD that matures before the introductory apr expires and then just pay back the money you liquidated?

[rverrat]

I like PenFed's 3% interest rate on their online savings account, compared to Navy Federal's 1.50%

[drchrisheidelberg]

I ran part of this play and I got a small limit 5K and if I had done the secured loan I probably could have gotten more

[joepipher]

I just opened a pen fed checking and savings. Can someone explain the secured loan. And how I do it.

[bernardoroman]

I would like to know why PenFed holds deposits checks 5 days

[fozzybear]

App sux. Cant get past first page on my galaxy. Wants you to agree on terms?

[albertcastro]

30 Days into a savings for the Loan I called them this week.

[tiantpassmore]

I have a checking/ savings but no CC with them

[louisziegler]

Mike I have a question?
Can I use my virtual address for my physical address on my credit report?

[Ronnie]

Do I need a secured loan if I have good credit and been with them since June 2023? And want to apply in December?

[natehowell]

GREAT VID MIKE!!!💥💥
Thank for the data points. But please remember to tell which Fico scorung model they use for credit cards. I heard Penfed use Fico 9. While Andrew's credit union use Fico 8.

Speaking of Andrew's, lol!
Can you a vid on them there Credit Cards and other products they have?
Thanks again Mike!

And are you serving Georgia now with credit Management???

[LuisAngel]

So when you open a account get a checking AND savings?