Last Updated: 04/18/2025
ACFCU Gold Star Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 14.20%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
Up to 48
ACFCU Gold Star Loan Review
ACFCU Gold Star Loan is offered by Amarillo Community Federal Credit Union, a credit union founded in 1945 and based in Amarillo, TX. ACFCU Gold Star Loan are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 14.20%. Personal loan interest rates typically range between 9% and 36%. The starting rates for ACFCU Gold Star Loan are on the higher end of the spectrum.
ACFCU Gold Star Loan Pros & Cons
| Pros | Cons |
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ACFCU Gold Star Loan FAQ
What interest rates and personal loan terms does ACFCU Gold Star Loan offer?
ACFCU Gold Star Loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does ACFCU Gold Star Loan offer?
ACFCU Gold Star Loan offers a fixed APR personal loan product that starts at 14.20% APR.
What is the maximum loan term you can get with ACFCU Gold Star Loan?
ACFCU Gold Star Loan offers loans with terms of up to 48 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 48 months |
| APR | Starting at 14.20% |
What fees does ACFCU Gold Star Loan charge?
Does ACFCU Gold Star Loan charge an origination fee?
ACFCU Gold Star Loan may charge a personal loan origination fee .
Does ACFCU Gold Star Loan charge a late fee?
ACFCU Gold Star Loan does not disclose whether it charges late payment fees.
Does ACFCU Gold Star Loan charge prepayment fees?
No, ACFCU Gold Star Loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for ACFCU Gold Star Loan?
ACFCU Gold Star Loan 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. ACFCU Gold Star Loan 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 ACFCU Gold Star Loan.
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
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does ACFCU Gold Star Loan report your account activity to credit bureaus?
Yes, ACFCU Gold Star Loan 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 Amarillo Community Federal Credit Union perform a hard credit pull?
Yes, ACFCU Gold Star Loan 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.
Are ACFCU Gold Star Loan legit?
Amarillo Community Federal Credit Union was founded in 1945, it is a well-established company that has been in business for 81 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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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
Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
Closed