Last Updated: 04/18/2025
EFCU Financial FCU Share/Savings Secured Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
2.50% - 3.50%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
Up to 120
EFCU Financial FCU Share/Savings Secured Loans Review
EFCU Financial FCU Share/Savings Secured Loans is offered by EFCU Financial Federal Credit Union, a credit union founded in 1934 and based in Baton Rouge, LA. EFCU Financial FCU Share/Savings Secured Loans are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 2.50%. Personal loan interest rates typically range between 9% and 36%. The starting rates for EFCU Financial FCU Share/Savings Secured Loans are on the lower end of the spectrum.
- Super long loan terms. EFCU Financial FCU Share/Savings Secured Loans offers loan terms of up to 120 months. Most personal loans have a maximum term of 60 months.
EFCU Financial FCU Share/Savings Secured Loans Pros & Cons
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EFCU Financial FCU Share/Savings Secured Loans FAQ
What interest rates and personal loan terms does EFCU Financial FCU Share/Savings Secured Loans offer?
EFCU Financial FCU Share/Savings Secured Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does EFCU Financial FCU Share/Savings Secured Loans offer?
EFCU Financial FCU Share/Savings Secured Loans offers a fixed APR personal loan product that ranges from 2.50% APR up to 3.50% APR.
What is the maximum loan term you can get with EFCU Financial FCU Share/Savings Secured Loans?
EFCU Financial FCU Share/Savings Secured Loans offers loans with terms of up to 120 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 120 months |
| APR | 2.50% - 3.50% |
What fees does EFCU Financial FCU Share/Savings Secured Loans charge?
Does EFCU Financial FCU Share/Savings Secured Loans charge an origination fee?
EFCU Financial FCU Share/Savings Secured Loans may charge a personal loan origination fee .
Does EFCU Financial FCU Share/Savings Secured Loans charge a late fee?
EFCU Financial FCU Share/Savings Secured Loans does not disclose whether it charges late payment fees.
Does EFCU Financial FCU Share/Savings Secured Loans charge prepayment fees?
No, EFCU Financial FCU Share/Savings Secured 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.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for EFCU Financial FCU Share/Savings Secured Loans?
EFCU Financial FCU Share/Savings Secured 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. EFCU Financial FCU Share/Savings Secured 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 EFCU Financial FCU Share/Savings Secured Loans.
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 EFCU Financial FCU Share/Savings Secured Loans report your account activity to credit bureaus?
Yes, EFCU Financial FCU Share/Savings Secured Loans 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 EFCU Financial Federal Credit Union perform a hard credit pull?
Yes, EFCU Financial FCU Share/Savings Secured 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 EFCU Financial FCU Share/Savings Secured Loans legit?
EFCU Financial Federal Credit Union was founded in 1934, it is a well-established company that has been in business for 92 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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Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 5:00PM
Saturday
Closed