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Last Updated: 04/18/2025

Atlantic FCU Personal Loans

in Personal Loans from Atlantic Federal Credit Union

Last Updated: 04/18/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

APR (Variable APR)

Starting at 9.75%(Verified 06/21/2024)

Amount Range

Up to $20,000

Loan Term (Months)

12 - 60

Atlantic FCU Personal Loans Review

Atlantic FCU Personal Loans is offered by Atlantic Federal Credit Union, a credit union founded in 1941 and based in Brunswick, ME. Atlantic FCU Personal Loans are available in 50 states and Washington, DC.

Key Takeaways

Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. These are average interest rates for a personal loan. If you have good credit or a cosigner, you could probably find better rates.

Atlantic FCU Personal Loans Pros & Cons

Pros

Cons

Charges an origination fee.
Does not offer pre-approval with soft credit pull.
Atlantic FCU Personal Loans does not report to credit bureaus.
Charges prepayment fees.
No co-sign option available.

Atlantic FCU Personal Loans FAQ

What interest rates and personal loan terms does Atlantic FCU Personal Loans offer?

What interest rates does Atlantic FCU Personal Loans offer?

Atlantic FCU Personal Loans offers a variable APR personal loan product that starts at 9.75% APR.

What is the maximum loan term you can get with Atlantic FCU Personal Loans?

Atlantic FCU Personal Loans offers loans with terms of up to 60 months.

Atlantic FCU Personal Loans Interest Rates & Loan Terms

Personal Loan Amount

up to $20000

Loan Term

12 - 60 months

APR

Starting at 9.75%

What fees does Atlantic FCU Personal Loans charge?

Does Atlantic FCU Personal Loans charge an origination fee?

Atlantic FCU Personal Loans may charge a personal loan origination fee .

Does Atlantic FCU Personal Loans charge a late fee?

Atlantic FCU Personal Loans does not disclose whether it charges late payment fees.

Does Atlantic FCU Personal Loans charge prepayment fees?

No, Atlantic FCU Personal Loans 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.

Atlantic FCU Personal Loans Fees

Origination Fee

Prepayment Fee

N/A

Late Payment Fee

What do you need to qualify for Atlantic FCU Personal Loans?

Atlantic FCU Personal Loans 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 Loans 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 Atlantic FCU Personal Loans.

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

Proof of income
Driver's license or other government photo ID
Proof of identity
Proof of citizenship or residence permit

Atlantic FCU Personal Loans Eligibility Criteria

Minimum Age

Bank Account Required?

Credit Score

N/A

Does Atlantic Federal Credit Union perform a hard credit pull?

Yes, Atlantic FCU Personal Loans 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 Atlantic FCU Personal Loans legit?

Atlantic Federal Credit Union was founded in 1941, it is a well-established company that has been in business for 85 years.

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

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

55 Cushing St

P.O. Box 188

Brunswick, ME 04011

(800) 834-0432

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

8:00AM - 5:00PM

Tuesday

8:00AM - 5:00PM

Wednesday

8:00AM - 5:00PM

Thursday

8:00AM - 5:00PM

Friday

8:00AM - 5:00PM

Saturday

9:00AM - 12:00PM

Atlantic FCU Personal Loans

Get Competing Personal Loan Offers

Highlights

Atlantic FCU Personal Loans Review

Key Takeaways

Atlantic FCU Personal Loans Pros & Cons

Atlantic FCU Personal Loans FAQ

What interest rates and personal loan terms does Atlantic FCU Personal Loans offer?

What interest rates does Atlantic FCU Personal Loans offer?

What is the maximum loan term you can get with Atlantic FCU Personal Loans?

What fees does Atlantic FCU Personal Loans charge?

Does Atlantic FCU Personal Loans charge an origination fee?

Does Atlantic FCU Personal Loans charge a late fee?

Does Atlantic FCU Personal Loans charge prepayment fees?

What do you need to qualify for Atlantic FCU Personal Loans?

Does Atlantic Federal Credit Union perform a hard credit pull?

Are Atlantic FCU Personal Loans legit?

Contact

Hours of Operation

Other Services by Atlantic Federal Credit Union