Atlantic FCU Personal Lines of Credit

Atlantic FCU Personal Lines of Credit Review

Atlantic FCU Personal Lines of Credit is offered through Atlantic Federal Credit Union, a credit union founded in 1941 and based in Brunswick, ME. Atlantic FCU Personal Lines of Credit are available in 50 states (and Washington, DC).

Atlantic FCU Personal Lines of Credit FAQ

What APRs does Atlantic FCU Personal Lines of Credit offer?

Atlantic FCU Personal Lines of Credit offers a variable APR product, but they do not disclose their rates.

Does Atlantic FCU Personal Lines of Credit charge an origination fee?

Yes, they charge a line of credit origination fee.

Does the Atlantic FCU Personal Lines of Credit charge a cash advance fee?

Yes, they may charge a fee.

Does the Atlantic FCU Personal Lines of Credit charge a statement balance fee?

No, this lender does not charge a statement balance fee.

Does Atlantic FCU Personal Lines of Credit charge a late fee?

Yes, they may charge borrowers a late payment fee.

Atlantic FCU Personal Lines of Credit Fees

Cash Advance Fee	N/A
Origination Fee	No
Prepayment Fee?	Yes
Late Payment Fee	No
Statement Balance Fee	No

What do you need to qualify for Atlantic FCU Personal Lines of Credit?

Atlantic FCU Personal Lines of Credit does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Atlantic FCU Personal Lines of Credit does not have or does not disclose a minimum annual income eligibility requirement. Atlantic FCU Personal Lines of Credit only considers borrowers who are employed. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Atlantic FCU Personal Lines of Credit. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Atlantic FCU Personal Lines of Credit.

To qualify, applicants may need to provide the following documentation:

• Proof of income
• Driver's license
• Proof of identity
• Proof of citizenship or residence permit

Does Atlantic FCU Personal Lines of Credit report your account activity to credit bureaus?

Yes, Atlantic FCU Personal Lines of Credit reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

Is Atlantic Federal Credit Union a legit company?

Atlantic Federal Credit Union was founded in 1941, it is a well-established company that has been in business for 82 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

How to apply for Atlantic FCU Personal Lines of Credit

• Visit the website.
• Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
• Check the information is accurate and submit your application.