Denali Federal Credit Union in Fairbanks, Alaska

Looking for a loan? Only come here if you've been in the same job forever and have spotless credit history. Firstly my spouse and I have been shopping around for an auto loan and applied at multiple places to see who would give us the best offer. We have been accepted by two other credit unions for the same offer we requested with Denali. Denali requires a full year of employment for all applicants vs the 6 months most other credit unions require, the fact that my co-applicant has been in one position with the same company for 3 years was not enough employment history to show them we have had consistently steady income at all times. A medical debt of less than $300 that we have documented payment plans with would prevent us from getting a loan with them until it was 100% satisfied whereas with the two credit unions that accepted our offer I simply supplied them with payment plan terms and the account balance since what is currently on equifax is incorrect. The customer service rep's tone wasn't very pleasant and I was a little shocked to be talked to like I shouldn't be expecting to be able to get a loan because as someone who works in finance and recently spoke with representatives at other institutions I know that those terms aren't the norm. My spouse and I aren't extremely well off but we can absolutely afford a car payment, which is why other institutions did give us preapprovals for the amount we requested. Overall they aren't interested in making money, looking into details and if the person I spoke to is a good representation of their company they're not pleasant to talk to. Alaska USA and Credit Union 1 are both much easier to work with and the ladies in their loan departments are very pleasant.