Navy Federal Credit Union (NFCU): Avoiding A Hard Pull When Joining

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We’ve long said that when you join Navy Federal Credit Union (NFCU) they will do a hard pull on your credit report. Reader John points out that this isn’t always the case but there is some variance. The take aways are:

  • When opening a savings account directly there is almost no chance a hard pull will be doing
  • When opening a checking account a hard pull will sometimes be done. Some seem to think this is because people are forgetting to opt out of overdraft protection but some datapoints suggest this isn’t the case.
  • If you open your membership over the phone a hard pull will almost certainly be done, especially if you discuss any other products such as a credit card (even if you don’t open those products)





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