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Last Updated: 04/18/2025

Edwards FCU Shared Savings Secured Loan

from Edwards Federal Credit Union

Last Updated: 04/18/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Edwards Federal Credit Union logo
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APR (Fixed APR)

2.05%(Verified 07/15/2024)

Amount Range

N/A


Loan Term (Months)

N/A


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Edwards FCU Shared Savings Secured Loan Review

Edwards FCU Shared Savings Secured Loan is offered by Edwards Federal Credit Union, a credit union founded in 1962 and based in Palmdale, CA. Edwards FCU Shared Savings Secured Loan are available in 50 states, 5 US territories, and Washington, DC.

Key Takeaways

  • APRs starting at 2.05%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Edwards FCU Shared Savings Secured Loan are on the lower end of the spectrum.

Edwards FCU Shared Savings Secured Loan Pros & Cons

Edwards FCU Shared Savings Secured Loan FAQ

What interest rates and personal loan terms does Edwards FCU Shared Savings Secured Loan offer?

Edwards FCU Shared Savings Secured Loan has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Edwards FCU Shared Savings Secured Loan offer?

Edwards FCU Shared Savings Secured Loan offers a fixed APR personal loan product of 2.05%.

What fees does Edwards FCU Shared Savings Secured Loan charge?

Does Edwards FCU Shared Savings Secured Loan charge an origination fee?

Edwards FCU Shared Savings Secured Loan may charge a personal loan origination fee .

Does Edwards FCU Shared Savings Secured Loan charge a late fee?

Yes, Edwards FCU Shared Savings Secured Loan may charge a late payment fee if you miss one of the regularly scheduled payments of up to $25.00.

Does Edwards FCU Shared Savings Secured Loan charge prepayment fees?

No, Edwards FCU Shared Savings Secured 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.

What do you need to qualify for Edwards FCU Shared Savings Secured Loan?

Edwards FCU Shared Savings Secured 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.
Edwards FCU Shared Savings Secured 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 Edwards FCU Shared Savings Secured 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

Does Edwards FCU Shared Savings Secured Loan report your account activity to credit bureaus?

Yes, Edwards FCU Shared Savings Secured 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 Edwards Federal Credit Union perform a hard credit pull?

Yes, Edwards FCU Shared Savings Secured 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 Edwards FCU Shared Savings Secured Loan legit?

Edwards Federal Credit Union was founded in 1962, it is a well-established company that has been in business for 64 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

39963 10th St W
Palmdale, CA 93551
(661) 952-5945
Visit Site

Hours of Operation

Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 5:00PM

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Other Personal Loans from Edwards Federal Credit Union

Edwards Federal Credit Union logo
Rating not yet determined
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APR

Up to 6.99%

Amount Range

$1,000 - $75,000

Loan Term (Months)

36 - 120
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Edwards Federal Credit Union logo

APR

Starting at 9.99%
Disclaimer popup with additional information

Amount Range

$500 - $30,000

Loan Term (Months)

Up to 60
Edwards Federal Credit Union logo

APR

3.75% - 6.85%
Disclaimer popup with additional information

Amount Range

N/A

Loan Term (Months)

N/A

Edwards Federal Credit Union logo

APR

Starting at 6.75%
Disclaimer popup with additional information

Amount Range

Up to $70,000

Loan Term (Months)

120

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

0

-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.

Edwards FCU Shared Savings Secured Loan Community Reviews

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