r/creditunions

I like to make sure credit unions have good ratings and financials prior to putting my money somewhere. I know sites like weiss ratings give a rating. However it's hard to understand how to read and interrupt all this information.

One example is the asset mix: I'd like to know specifics on what (other) 20% could be. Also not sure if it's possible to get the outstanding debt vs cash on hand ratio. I am trying to find something safe and find an intuition as close to 3/1 ratio if possible.

Maybe I am overthinking this, but figured I'd ask

Hello! My partner and I are taking the steps to open a joint account. Mostly for joint savings and future loans we may need. We settled in opening one at a credit union, though we are unsure what to pick.

We both qualify for Navy Federal through our family, but I have heard considering local credit unions is also beneficial. We are both from the area and have no intention of moving out of state. Thank you!

I have an ongoing auto loan with DCU for my car. I have remaining balance close to $3k. I am originally scheduled to payoff the balance this November. Can I payoff the amount earlier? Is there a penalty for early payment?

# Welcome to r/cucomputer

Hi — I'm Philip, founder of CUcomputer, the AI Operating System for 
modern credit-union teams. I've spent the last 5 years building AI 
products with credit unions across the US and Canada, and I started 
this subreddit because the conversation about AI in CUs right now is 
really hot — but most credit unions don't know where to start. 
Guardrails. Audit trails on agent activity. Privacy. NCUA and OSFI 
implications. Change management. Real ROI vs vendor promises.

These are the conversations I'm having with leading CUs every week. 
At CUcomputer, we're building AI agents that help credit unions with 
day-to-day operations — fraud detection, member acquisition, marketing, 
back-office automation — while ensuring data integrity, managing AI 
risk, and proving long-term ROI. Not the empty promises a lot of AI 
startups are pushing right now.

## Who's invited

If you work at a credit union — marketing, IT, ops, lending, exec, 
anywhere — and you have any opinion about AI, automation, or the gap 
between what vendors promise and what actually ships, this is for you.

## What we'll talk about

- Specific AI agents you're testing or wishing existed
- Marketing playbooks that worked (or flopped)
- Fraud patterns spreading across the network
- Integration pain — Fiserv, Symitar, Jack Henry, MeridianLink, all of it
- NCUA / OSFI compliance for AI deployment
- "Show your stack": what's actually running at your CU
- Bugs and feature requests for CUcomputer — or any vendor. I'll 
  happily talk about competitors.

## A few ground rules

- No pitch slaps. No growth hacking. No third-party selling. No AI bots 
  or AI slop.
- Pseudonymous handles welcome — if you'd rather not post under your 
  real name when discussing vendors, that's fine. We don't dox, we 
  don't share threads with vendor partners, and no lead list is being 
  assembled here.
- I'll post a new discussion every Tuesday — agent-of-the-week, vendor 
  breakdowns, regulatory updates, whatever's on your mind that we 
  surface in comments.

CUcomputer lives at cucomputer.com if you want context — but I'm not 
here to sell you anything. I'd rather build the thing right than 
promote a half-built one.

---

**To kick this off:** drop a comment with:

1. Your role
2. Your CU's asset size (rough range — $250M, $1B, $5B+)
3. One thing about AI you wish someone would actually answer

I'll reply to every comment within 24 hours.

— Philip

Does anyone know where I can get an unsecured credit card or a secure credit card that a credit union would issue to someone that is only 18 with no credit? I have applied to 2 here where I live and they only want to do a secure shared loan not a credit card. In Texas by the way

I currently have my car financed through JP Morgan at .99% purchased earlier this year.

I would like to transfer the loan to one of the credit unions I belong to, DCU or NFCU for loan coverage benefits.

Will they, or anywhere, match rates this low?

I got a new job and js joined a credit union, and my account number looks different from how it is on my checkings account. I logged in from the official website so, idk if this is normal. The digits are less on the pdf's side. Is that okay? Idk if its different since its a credit union.