<prompt> Human: The conventional wisdom is that the only drawback to NFCU is that they perform a hard credit pull when you join.I just joined Navy Federal a few minutes ago, and immediately opened a CC with them after I joined. The friendly CSR I spoke with said that its only a soft pull to join, but of course a hard pull when you apply for a CC.I can only confirm that a single hard pull was performed for me, but that most likely would have been the case even if a hard pull was needed for membership as well they could both be done by a single hard pull. But my point is this:It appears that Navy Federal is currently only performing a soft pull on your credit when you join and open an account. Applying for CCs or loans etc. would of course require a hard pull, though.If you are interested in joining, I would call and ask them just to confirm. Hold time was less than a minute.  <response>: Never heard of them EVER doing a hard pull to begin with. Its pretty uncommon for a bank or most credit unions to do a credit pull period. They tend to care more about something called ChexSystems which highlights things more attuned to your banking history and separate from your credit history. Banks do lend money of course, but in this case you are actually lending the bank money anyhow and they are thus more concerned about how you treat banks in general think overdrafts, not paying your old bank accounts off, etc than your credit since again thats for lending money and theyre not lending you money here.That being said, welcome to the family. Youll get the best service around and be sure to take advantage of the 3 CDs etc that they have available you just missed the 9 month 3 CD that had available etc. One of the best financial institutions around. Just wanted to let you know most banking institutions dont use credit, but rather ChexSystems and perhaps MAYBE a soft pull, but thats likely pretty rare as well. Congrats 