PenFed was on my list for CU's to join. Applied for membership over the weekend and decided to go for a personal loan. I was instantly denied for the personal loan, so I waited for the survey email so I can try and recon. I got the email yesterday and filled it out. Got a call today and she explained to me the reasons why I wasn't approved and if I wanted to build a relationship I should try one of their credit cards. Well, I applied with her over the phone and was instantly approved for $5,000 @ 17.99%. I'm just glad to get in with PenFed and build my relationship with them.
Thanks to Baller and this community for all the help and info they have given me. Without this community I wouldn't have become a member of great CU's like PenFed and NFCU.