Is Magnolia FCU Overdraft Line-of-Credit the right fit for you?
Last Updated: 04/18/2025
Magnolia FCU Overdraft Line-of-Credit
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Last Updated: 04/18/2025
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Highlights
Amount Range
Up to $1,500
APR (Variable APR)
N/A
Magnolia FCU Overdraft Line-of-Credit Review
Magnolia FCU Overdraft Line-of-Credit is offered through Magnolia Federal Credit Union, a credit union founded in 1935 and based in Jackson, MS. Magnolia FCU Overdraft Line-of-Credit are available in 50 states and Washington, DC.
Magnolia FCU Overdraft Line-of-Credit FAQ
What APRs does Magnolia FCU Overdraft Line-of-Credit offer?
Magnolia FCU Overdraft Line-of-Credit offers a variable APR, but they do not disclose their rates.
Does the Magnolia FCU Overdraft Line-of-Credit charge an origination fee?
Yes, Magnolia FCU Overdraft Line-of-Credit charges a line of credit origination fee .Does the Magnolia FCU Overdraft Line-of-Credit charge a cash advance fee?
Yes, Magnolia FCU Overdraft Line-of-Credit may charge a fee .Does Magnolia FCU Overdraft Line-of-Credit charge a late fee?
Yes, Magnolia FCU Overdraft 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 Magnolia FCU Overdraft Line-of-Credit?
Magnolia FCU Overdraft 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. Magnolia FCU Overdraft Line-of-Credit does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Magnolia FCU Overdraft 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 Magnolia FCU Overdraft Line-of-Credit report your account activity to credit bureaus?
Yes, Magnolia FCU Overdraft 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 Magnolia Federal Credit Union perform a hard credit pull?
Yes, Magnolia FCU Overdraft 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 Magnolia FCU Overdraft Line-of-Credit
- Visit the Magnolia FCU Overdraft 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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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
SundayClosedMonday8:00AM - 4:30PMTuesday8:00AM - 4:30PMWednesday8:00AM - 4:30PMThursday8:00AM - 4:30PMFriday8:00AM - 5:30PMSaturdayClosed
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