Because of the data breech at Equifax, it's highly recommended for everyone to FREEZE their credit at all 3 agencies (maddening as it is that us consumers are being forced to pay fees to the agencies that caused the problem in the first place. Don't even get me started.) Doing so costs a fee (varies by state; in California, $10 for each agency = $30, though Equifax alone is waiving the fee for the next 30 days) and then whenever you need a credit check done, you have to pay another fee to unfreeze your credit temporarily (in California, the same $10 for each agency = $30 total).
However this will especially affect ratechasers and the type of people who frequent DA. Why? Because everytime you join a new credit union to get that CD special you've seen here on DA, most credit unions do either a hard or soft pull -- and require your credit score, simply just to become a member. Translation: everytime you want to join a new credit union to get that latest CD deal, you'll have to pay up to $30 total (depending on the state) to the credit agencies to unfreeze your credit so you can first become a member of that credit union.
Technically, if the credit union can tell you which of the 3 services they use for memberships (Equifax, TransUnion, Experion) then you only need to unfreeze that one of them ($10 instead of $30 for California) each time. I called Alliant Credit Union's loan dept today to ask, and they were on the ball enough to tell me which of the 3 companies they use for each product (it varies, depending on whether you're asking for a credit card, loan, or membership). But my guess is, most smaller credit unions won't have this information handy, and if there's a great CD deal at XYZ Credit Union, unless by luck you can find someone there who knows which of the 3 companies they use to do a pull for your membership, you'll have to unfreeze all 3 (up to $30 total then) just to become a member.
(This on top of the fees to unfreeze it anytime you want to switch to a new credit card or get a loan).
I still think it's worth doing the freeze, but just be aware that whenever there's a new credit union you want to join, it'll cost you some fees to temporariliy unfreeze your credit...