Last Updated: 04/18/2025
First Watch Credit Union Personal Line of Credit
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Amount Range
N/A
APR (Fixed APR)
7.99% - 17.99%(Verified 06/21/2024)
First Watch Credit Union Personal Line of Credit Review
First Watch Credit Union Personal Line of Credit is offered through First Watch Credit Union, a credit union founded in 1959 and based in Abilene, TX. First Watch Credit Union Personal Line of Credit are available in 50 states and Washington, DC.
First Watch Credit Union Personal Line of Credit FAQ
What APRs does First Watch Credit Union Personal Line of Credit offer?
First Watch Credit Union Personal Line of Credit offers an APR that ranges from 7.99% APR up to 17.99% APR.
Does the First Watch Credit Union Personal Line of Credit charge an origination fee?
Yes, First Watch Credit Union Personal Line of Credit charges a line of credit origination fee .Does the First Watch Credit Union Personal Line of Credit charge a cash advance fee?
Yes, First Watch Credit Union Personal Line of Credit may charge a fee .Does First Watch Credit Union Personal Line of Credit charge a late fee?
Yes, First Watch Credit Union Personal Line of Credit may charge borrowers a late payment fee .| Cash Advance Fee | N/A |
| Origination Fee | No |
| Prepayment Fee? | Yes |
| Late Payment Fee | No |
| Statement Balance Fee | No |
| Billing Cycle Charge | No |
What do you need to qualify for First Watch Credit Union Personal Line of Credit?
First Watch Credit Union Personal Line 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. First Watch Credit Union Personal Line of Credit does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by First Watch Credit Union Personal Line of Credit.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
Does First Watch Credit Union Personal Line of Credit report your account activity to credit bureaus?
Yes, First Watch Credit Union Personal Line of Credit reports to the following credit bureaus:
- 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 build your credit.
Does First Watch Credit Union perform a hard credit pull?
Yes, First Watch Credit Union Personal Line of Credit performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for First Watch Credit Union Personal Line of Credit
- Visit the First Watch Credit Union Personal Line of Credit 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.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:00PM
Tuesday
9:00AM - 4:00PM
Wednesday
9:00AM - 4:00PM
Thursday
9:00AM - 4:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed