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Last Updated: 04/18/2025

United Federal Credit Union Personal Line of Credit

from United Federal Credit Union

Last Updated: 04/18/2025

United Federal Credit Union Personal Line of Credit logo
Rating not yet determined3 total votes
2 users recommend
1 users don't recommend

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Amount Range

$3,000 - $20,000

APR (Variable APR)

Starting at 5.5%(Verified 06/21/2024)
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United Federal Credit Union Personal Line of Credit Review

United Federal Credit Union Personal Line of Credit is offered through United Federal Credit Union, a credit union founded in 1949 and based in St Joseph, MI. United Federal Credit Union line of credit are available in 50 states and Washington, DC.

United Federal Credit Union Personal Line of Credit FAQ

What APRs does United Federal Credit Union Personal Line of Credit offer?

United Federal Credit Union Personal Line of Credit offers a variable APR that starts at 5.5% APR.

Does the United Federal Credit Union Personal Line of Credit charge an origination fee?

Yes, United Federal Credit Union Personal Line of Credit charges a line of credit origination fee .

Does the United Federal Credit Union Personal Line of Credit charge a cash advance fee?

Yes, United Federal Credit Union Personal Line of Credit may charge a fee .

Does United Federal Credit Union Personal Line of Credit charge a late fee?

Yes, United Federal Credit Union Personal Line of Credit may charge borrowers a late payment fee .

How much can you borrow via United Federal Credit Union Personal Line of Credit?

Upon approval and based on your credit worthiness, your United Federal Credit Union Personal Line of Credit personal line of credit will be assigned a credit limit of at least $3,000 and as much as $20,000. .

What do you need to qualify for United Federal Credit Union Personal Line of Credit?

Applicants with a credit score of at least 680 and up to 850 may be eligible for United Federal Credit Union Personal Line of Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
United Federal 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 United Federal Credit Union Personal Line of Credit.

Does United Federal Credit Union Personal Line of Credit report your account activity to credit bureaus?

Yes, United Federal 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 United Federal Credit Union perform a hard credit pull?

Yes, United Federal Credit Union 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 United Federal Credit Union Personal Line of Credit

  • Visit the United Federal 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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.

Contact

Headquarters

2819 S State Street
St Joseph, MI 49085
Visit Site
Email Support

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SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

+33

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

United Federal Credit Union Personal Line of Credit Community Reviews

Would you recommend United Federal Credit Union Personal Line of Credit to your friends?

Peter J. avatar image

Peter J.

Jan 27, 2023

May or may not recommend

INCOMPETENT TIMEWASTERS After 2 months of the loan officer confirming everything was OK, after the home appraisal was OK, after emails confirming the HELOC was approved and docs would be sent....the VP of Lending changed hi mind because I was temporarily overseas and they " don't trust a French notary". DONT WASTE YOUR TIME WITH THEM

NN

Neal N.

Dec 9, 2022

May or may not recommend

The starting APR is significantly better that other lenders for my current circumstances.

Antonyo H. avatar image

Antonyo H.

Sep 24, 2021

May or may not recommend

Federal credit union is a legit bank and a legit credit union.. highly recommended

Showing 3 of 3 reviews

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