50k APPROVED INSTANTLY! BAD CREDIT OK! LOW CREDIT SCORE OK | Apple Federal Credit Union

why is nobody talking about this Credit Union we talked about this Credit Union one year ago exactly and I don't think the message really got across to everyone to let you know that this is the biggest Hidden Gem of a credit union that nobody is talking about and if you haven't heard me say credit unions are the true way to a better Financial life you need to stop banking with these big conglomerate Banks like Bank of America Wells Fargo PNC Bank those Banks don't care about you you need to become the asset with a credit union credit unions are in fact the best path to a better financial future because you become the asset the more money you put into the credit union the better products they offer you the longer you work on your relationship with this Credit Union the stronger it becomes and they offer you high limit credit cards better interest rates for auto loans home loans and even with bad credit a credit union is going to have your back if you need a high limit credit card if you need an auto loan or if you're in the market to get a home loan their work is to beat those big conglomerate Banks and give you a better lending option that is their goal is to get you in the door and keep you there because again you are the asset credit unions are owned by the actual members members putting money into a credit union and it makes it stronger the more members there are the credit union the stronger the credit union becomes this is exactly why Navy Federal is one of the largest credit unions and most powerful Credit Unions because it has members Nationwide because a lot of servicemen and service service women are all across the United States stationed in different actual United States stations across the world so in today's episode we're going to talk about Apple Federal Credit Union is one of the biggest hidden gems in the Credit Union Community a lot of people don't talk about it a lot of people don't don't do reviews about it but we gave it a full year after we dropped that video because we wanted to see what people were going to comment what people had to say about it and the results are pretty good and if you have bad credit this Credit Union Apple Federal Credit Union is bad credit friendly this is exactly why we bring them to the table and what's even better about Apple Federal Credit Unit anyone can join no matter where you are at across the United States or you can actually use them for your business and it doesn't matter where your business is located in the United States also and please don't come into the comments saying oh you have to be in Virginia oh you have to be a teacher in Virginia no stop spreading that bad rumor because it is not true so I'm going to repeat it again for anybody out there that doesn't listen anyone can join Apple Federal Credit Union and any business across the United States can join Apple Federal Credit Union there are four different ways that you can qualify for membership with Apple Federal Credit Union I'm going to go over the list as quickly as I possibly can number one is location now again it doesn't mean if you're not in this location you don't qualify so don't say that in the comments cuz it's going to drive me crazy okay now first off is Fairfax County in Virginia city of Fairfax Prince William County city of Manasses city of Manasses Park Frederick County Virginia and Winchester City now we'll also put up number two which is a different school if you're faculty staff student or immediate family we'll put it up on the screen here so you can see it make sure you pause it so you can look at it and see if it qualifies for you but again this doesn't mean that you cannot join it's just another way that you can actually join this Credit Union I'm not going to go over the list cuz it's pretty big now the Third Third Way is through a relationship through a family member that could be a spouse parent child sibling step parent stepchild step sibling grandparent grandchildren and adoptive relationships now if you also live in the same household as a roommate domestic partner or legal guardians or you can join an association that could be the W and OD trail of Northern Virginia Atlantic directors or the administrators and coaches association so if you join one of those associations right there just Google it join it and then you can get in also and the final way is number four through work review our list of businesses and organizations so click on it on the website and you're going to see a plethora of different businesses and different relationships that they have with other businesses that you may be able to join one of the interesting ones I saw was Cole's department store so if you work for any of these or have some type of relationship with them you are also in now if you join this Credit Union or any other Credit Unit and you have crappy credit you need to build the relationship because Credit Unit are relationship ship banking heavy they rely solely on your banking relationship and making sure that you use the most of their products to help you build your internal credit score with that credit union anybody can say that I'm wrong but I'm tell you right now every single Credit Union has an internal credit score and it's based upon your banking you need the more amount of products that you use with that credit union and you're responsible with them the higher that internal credit score is going to grow and that's what we want you need to set up a checking and a savings and you don't have to do the paid version just do a free version then you want to do a direct deposit if you cannot do direct deposit then you need to deposit as many of your paychecks into your bank with that new relationship to show them the data points that you do in fact have a an actual job and you have a steady income because that's what they want to see you also want to do a secured loan this is when you invest your money into yourself with that relationship with that new credit union you want to choose at least a minimum term of 24 months anything less is a waste of time because remember when we add a line credit to our credit profile we're going to reduce that average age of credit 24 months is a sweet spot because you're going to open up a new account and then it's going to build up 24 months of positive payment history and that's what you want on your credit profile make sure that they do not put the loan on auto payment you want to wait until the loan hits your credit reports once it hits your credit reports then you call the credit unit and you pay off 80% of the loan over the phone and put the remaining amount on auto payment for the next 24 months while the loan is is active now every Credit Unit is going to be different so they may have a minimum monthly payment for your loan so make sure you ask as many questions as you possibly can now you want to do this for a minimum of 6 to 8 months while you're building up this relationship with a new credit union that's the standard when you're building with any credit un now you can in fact apply after it's been 91 days of officially doing all of that if you like to or if you're someone that has top Tier credit and you start a relationship you can hit that that actual 91-day Mark also or you can wait 31 days and apply once you've had a full month with them because your actual physical credit score is going to help you get across the line but the longer you wait the higher the limit credit cards you're possibly going to be able to get because as I'm going to show you right now their credit cards can go all the way up to $50,000 let's jump into the credit cards now all of the Apple credit cards all have this standard feature there's no annual fee there's no balance transfer fee rates are going to be below $8 18% APR and you're like oh my God 18% that's high actually it's not compared to all of these other credit card companies that are charging you 29.99 there's some credit cards are charge you over 30% a lot of them are charging you 22% and above so this is where they go below 18% which is awesome now they have the tap and go feature which is pretty obvious uh Visa shopping discounts and they offer digital card management now I'm going to tell you right now before we get into this the background the apps that a lot of these Credit Unions actually operate are not the greatest in the world they're very Antiquated and that's one of my biggest complaints about credit unions but just work within it because you're in the ecosystem and that's what matters the most we want the best lending possible for the rest of our lives now coming in at the first credit card we're going to show you is a signature rewards card now this card is going to give you 3 x points on gas two x points on groceries and one point on everything else and the credit lines go all the way up to $50,000 and you can get an APR as low as 14.74% this is the Big Kahuna if you want to go after this credit card you can a lot of the people that we saw in the comments went after this credit card and got a 20,000 and a $25,000 credit card within the first couple of months those were people with top Tier credit so let's be very transparent about that so remember the longer you wait the higher the limit you're going to be able to get with this Credit Union they do offer a total of six credit cards so let's take a quick look at all of those other credit cards the next one up is the My Rewards that's going to get you 3x points on gas 2x points on groceries one point on everything else and credit lines up to $5,000 now that's not a big one but it's decent at $5,000 then they have the platinum card it's just low variable rate all the way up to 13.24% credit lines up to $35,000 but there's no bells and whistles with this specific credit card next up is the educator credit card this one is created exclusively for educators so that means if you're a teacher of some sort out there you can get a credit line up to $355,000 with low introductory rates no payments during the summer months did you just hear that no pay payments during the summer months because they understand the educators are not working they're probably working some part-time job or they're just not working at all next up is the student card this is like an entry-level credit card for students of ages 8 to 25 with credit lines up to $1,500 with a fixed rate as low as 99.90% now the last one on the list is a credit Builder this credit Builder is a secured card up to $5,000 I'm going to tell you right now I'm just talking about it because it's there but I do not suggest that even if you have bad credit don't go after a secured credit card it is a huge waste of time unless you're able to put up $5,000 then you can show that you have a $5,000 line of credit but it still shows that it's secured we want to keep those off our credit profile as much as we possibly can or we if we do get them we want them to graduate to an unsecured card you keep the same account but then they Swip switch it over they give you your money back and then you get an unsecured credit card that's what you want on your credit profile now why do all these credit cards matter because they're high limit Credit cards once you get a high limit credit card on your credit profile let's say hypothetically you get a $20,000 credit card on your credit profile now when you go apply for Chase Bank City Bank American Express whoever may be out there Discover Bank they're also going to offer you a high limit credit card this is why I say stay away from the low limit credit cards because they will hurt you in the long run it will take you longer to get to the high limit credit cards but if you start with a credit union and you start with high limits guess what everyone else is also going to offer you high limit credit cards now now Apple Federal Credit Unit also offers auto loans motorcycle loans mortgages key locks so home equity lines of credit personal loans student loans skip a pay and Loan protection let's take a look at their personal loan now with their personal loans you can get a loan all the way up to $50,000 with an APR as low as 9.99 there's no hidden cost or early payoff penalties and easy online and mobile payments I love the fact when a credit union offers some type of line of credit or the option to get a personal loan because if you're someone that's carrying large credit card debt from another credit card company or multiple credit cards you can get a personal loan with a credit union reduce that interest rate with those active credit cards pay them off then lump everything into one single monthly payment that you can pay off within this this one goes with terms all the way up to 60 months now other credit unions will generally offer longer terms but they're all going to vary from Credit Union to credit union now remember the name of the game is using as many products as you possibly can responsibly they have savings accounts for money market certificates extra student savings if you can put money into a savings account and not touch it this helps you become a stronger asset with the credit union and that's going to cause them to offer you larger limit lines of credit also whether it be credit cards or actual personal loans different options like that the more money you put in the bank and you don't touch you let it sit there guess what you become a more valuable asset now moving on to the business sector the business sector is stacked really heavy again remember it doesn't matter where your business is at we actually got confirmation from one of our subscribers we'll put it up here on the screen where they said it was very easy to open up a business checking account sorry a business account and it didn't matter exactly where they were at in the United States they were able to open it successfully with zero issues now stacked across the board they have your basic checking and money market they offer cash management where you can track all of your money for your business and they also offer merchant services business management retail points of sale and mobile that is huge for a credit union to offer this because we need that as a business owner if you could do everything under one roof and not have to worry about the processing fees of processing your payments usually you can get a better deal doing it through a credit union that's exactly what we want now they also offer commercial lending so you're looking at term loans equipment financing all the way up to 10 years with equipment financing working capital real estate loans that will go all the way up to well it doesn't actually tell me about the real estate loans but it does tell me about the SBA Loans so you can get terms with SBA Loans all the way up to $5.5 million for the first SBA 504 then the SBA 7A loans will also go all the way up to $5 million that's insane they also offer vehical loans for your business if you're looking to to purchase or refinance they offer refinancing and of course they offer credit credit cards with credit lines all the way up to $50,000 for your business I hope you can see that this is a One-Stop shop and it is a no-brainer for anybody out there now the question is who are they going to pull from and what is the required credit score that you're going to need if you're trying to build or get any lines of credit with this credit union now they are going to be pulling from your Trans Union credit report now they also are going to require that you have at least a minimum of a 580 entry level for any of their credit products but remember of course the higher the credit score the more money you're depositing into your account and the longer the relationship has been built then the higher chance of a higher limit credit card is going to be there for you but remember they're going to pull from Transunion and you need a minimum FICO score of a 580 which in my personal opinion is very doable and a special shout out to all my beers out there if you're out there and you're using dispute Beast let everybody know about your results in the comment section and if you're struggling with the low credit score or you're struggling to delete negative items from your credit report I created dispute Beast the most advanced AI credit repair software ever created that anyone can use is going to be in the description and pinned at the top of the comments for anyone that needs it so I hope you enjoyed this video we covered another big Credit Union that's giving out $50,000 credit limits on their credit cards we have showed you proof of the 20,000 and 25,000 let's see some other people get some larger limits now if there's something else specific you want me to talk about drop it in the comment section because it's all about you our community we cannot do it without you and if you felt that I brought you some Val in this video make sure that you don't forget 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