Last Updated: 04/18/2025
First Financial FCU Lines of Credit
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 10.25%(Verified 06/21/2024)
Amount Range
Up to $35,000
Loan Term (Months)
N/A
First Financial FCU Lines of Credit Review
First Financial FCU Lines of Credit is offered by First Financial Federal Credit Union, a credit union founded in 1953 and based in Sparks Glencoe, MD. First Financial FCU Lines of Credit 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. Personal loan interest rates typically range between 9% and 36%. The starting rates for First Financial FCU Lines of Credit are on the higher end of the market.
First Financial FCU Lines of Credit Pros & Cons
| Pros | Cons |
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First Financial FCU Lines of Credit FAQ
What interest rates and personal loan terms does First Financial FCU Lines of Credit offer?
First Financial FCU Lines of Credit has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does First Financial FCU Lines of Credit offer?
First Financial FCU Lines of Credit offers a variable APR personal loan product that starts at 10.25% APR.
| Personal Loan Amount | up to $35000 |
| Loan Term | N/A |
| APR | Starting at 10.25% |
What fees does First Financial FCU Lines of Credit charge?
Does First Financial FCU Lines of Credit charge an origination fee?
First Financial FCU Lines of Credit may charge a personal loan origination fee .
Does First Financial FCU Lines of Credit charge a late fee?
First Financial FCU Lines of Credit does not disclose whether it charges late payment fees.
Does First Financial FCU Lines of Credit charge prepayment fees?
No, First Financial FCU Lines of Credit 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 First Financial FCU Lines of Credit?
First Financial FCU Lines of Credit does not require or does not disclose a credit score minimum. First Financial FCU Lines 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 First Financial FCU Lines of Credit.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | N/A |
| Bank Account Required? | No |
| Credit Score | N/A |
Does First Financial FCU Lines of Credit report your account activity to credit bureaus?
Yes, First Financial FCU Lines 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 First Financial Federal Credit Union perform a hard credit pull?
Yes, First Financial FCU Lines 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.
Are First Financial FCU Lines of Credit legit?
First Financial Federal Credit Union was founded in 1953, it is a well-established company that has been in business for 73 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
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