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I recently opened up a savings account with PenFed (after going through a hoop or two via donations). The account is fairly basic and the APY is pretty standard when compared to other branches, but there are tons of neat features that come with the account. For example, there's a savings calculator and tracker that updates every time you transfer money into your saving account, so you'll always know how close you are to a financial goal. There are also various materials that you can read to help you better understand their savings accounts and other features, which is pretty nice as well.
The Belk Store Card seems to be your average, run of the mill store card. It's nice that you're able to earn points as well as a 15% discount when you open the card, but I feel that the point to dollar ratio is a tab bit high. It's nice that there are no fees associated with this card, which is very nice! The only real draw back for this card is the high APR, so if you're the type of person who likes to carry a balance, this card may not be what you're looking for.
This has been and shall remain my sole checking account. I've been with Northern Star for as long as I can remember, as my parents enrolled me when I was a kid for a savings account. Eventually I decided to open a checking account with them as well. I really love visiting the branches as everyone is warm and welcoming and there's always free coffee! Customer service both in store and on the phone is great. I really enjoy the benefit of receiving interest on my balance in my account, regardless of how small it may be. I look forward to being with NS for (hopefully) the rest of my days.
I decided to switch to ally after ING got acquired by Capital One, causing the APY to dip too low for my tastes. Seeing as it's one of the only banks with an actually decent APY, I'm more than happy to deposit my money here. The mobile deposit feature is quite nice and I'm able to manage my saving aspirations through their website and mobile app as well. I am looking forward to doing business with them for years to come!
I really like the ease of use of this checking account. I'm able to easily check my finances at home and while on the go on my phone, something I can't do currently with my CU. I use this account mainly for making miscellaneous payments and unexpected purchases, and it's been pretty good so far. Customer service is nice and courteous as always.
I originally came to arrowhead due in part to a recommendation from a friend, as she received a loan from them that had a great rate. Having relatively new credit history (2 years!), I didn't think that I'd get a very good rate with them. But lo and behold, after visiting a local branch, I was eligible for a car loan with a rate that I was more than elated with! I was able to get my car and am now currently paying $220/month for my vehicle all together as of today. Thank you so much Arrowpointe for helping me through my endeavors!
When I first heard about the Valero Gas card a while ago, I imagined that it'd have similar rewards structure and benefits to what many other gas companies offer on their cards (BP etc). I also have a multitude of Valeros in my area, so I imagined that this would be a fantastic card for me! Unfortunately, the card is probably the most basic gas card I've ever seen. There are NO benefits to having this card whatsoever besides the fact that it's a credit card. My BOA CC at least gives me 2% CB on gas, which I would've expected to be higher for the Valero card if used at a Valero gas station. I suppose the only real upside to the card is the lack of annual fees.
Looking at this card, I see that it has many features that other secured credit cards share in its class: No credit check, reports to credit bureaus, requires deposits and the like. Things start to head south when I notice the $59 annual fee AND the $100 onetime fee. I've had experience with a Bank of America secured credit card and its conditions are much more lax compared to the Millennium’s. Things like a $39 annual fee with no mandatory one-time fee and 25 day grace period are what make the card much more sensible to those looking to rebuild their credit as compared to this. If you’re really looking for the best secured card, you should steer clear from these guys.