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Joining A Local-Only Credit Union When Out Of Local Area

CalBear49
CalBear49   |     |   10 posts since 2015

A local-only credit union was offering a good rate on deposits, but I reside out of their local area. They did allow memberships for people who "worship" at a local church. So I made a (tax-deductible) contribution to one of their local churches, and they let me join the credit union. It worked for me, this time anyway. FYI.




me1004
me1004   |     |   801 posts since 2010
So, how much of a contribution, and did you get a "membership" in the church for that, or what documentation did you get that satisfied the CU? Did the church have some easy way to do that, or did you just send in a check and ask for documentation?

Unfortunately, though, while expending the time required for doing that, a CD promo might end.
Ricochet
Ricochet   |     |   479 posts since 2010
Nice that they made an Exception for you.
I don't believe in acceptance through Church Grafter means
“Grafter,” in turn, comes from the noun “graft,” meaning, as the Oxford English Dictionary defines it, “the obtaining of profit or advantage by dishonest or shady means
RJM
RJM   |     |   429 posts since 2011
I've long wondered if any CU would fight a potential customer over "worship".

Telepathic communication with imaginary supernatural beings seems like it could be done from out of local areas.
Ricochet
Ricochet   |     |   479 posts since 2010
a bit of Atheism in your tone RJM ?
RJM
RJM   |     |   429 posts since 2011
Who am I to doubt virgin births and talking snakes?
Ricochet
Ricochet   |     |   479 posts since 2010
So are you Alien or Monkey?
You obviously don't comprehend the basic value of religious belief.
The more you write the more I "read" you.
RJM
RJM   |     |   429 posts since 2011
So you think the 15-20+% and growing number of people who do not believe in supernatural things are aliens or monkeys?

You are right, I do not comprehend any value in religious belief.

I do value Reason.
Ricochet
Ricochet   |     |   479 posts since 2010
Merry Christmas ! anyway
CalBear49
CalBear49   |     |   10 posts since 2015
There was nothing shady or dishonest at all about doing this, the word Grafter does not apply as inferred below. I provided my full name and address, and asked if they would allow me to become a member if I made a donation to one of the local churches listed on their website. This credit union accepted my request and did not make a fuss at all about it. This approach may not work at all local-only credit unions, but it worked for me at this one. I only offered this approach as a suggestion to other DA readers who may be interested in trying it. The worst that could happen is that they say no. Some local-only credit unions ask you to join their in-house charity to become a member, such as the "Connexus Association" at Connexus Credit Union, for example. That's what gave me the idea to try this approach. FYI.
Bozo
Bozo   |     |   1,319 posts since 2011
Pardon my cynicism, but I doubt credit unions "check up" on church membership rolls when you join under the "worship" criterion.
me1004
me1004   |     |   801 posts since 2010
That's why I asked about what documentation they wanted to show you were a church member or at least that you made a donation.
RJM
RJM   |     |   429 posts since 2011
I joined one where my mother was a member. But, she did not look it up and did not ask her name.

I asked how they know....and she said they take the customers word for it.

That was not one that was open to Churches but they did have a TON of small companies as well as several very large. Of course, by mail, the church "membership" is another issue. Many/most do not issue membership cards. I would not be afraid to lie about it locally.

But when you are many states away, the church membership is less likely to fly.

If they even care.

I joined one a few months back and it required joining some organization and many did. My rep told me to send the extra $10 in and they would handle it. They never did. So my $5 share account has $15. But when the CD matures, Im taking the extra $10 out. Unless they say something. I doubt any credit union would do anything like confiscate your interest or anything if they later find out you were not 100% qualified. My guess is most credit unions are not real big sticklers on such a thing. Because, once a member, always a member. And if they let you join, you are always a member. Unless you remove the $5-25 or whatever is required.
Bozo
Bozo   |     |   1,319 posts since 2011
me1004 (re your post of 12/26), I suspect (assuming here) that most credit unions don't check up on prospective members representations. Funny (but true) story. When I joined Alliant Credit Union, one of the qualifying organizations was "PTA". As it happened, my wife and I were members of the local PTA many years before I filled out the Membership application. I told the branch manager of this, but he said to check the box anyway. The home office would never question the local PTA, even assuming they could find it. Happy Alliant Credit Union member now for over a decade.


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