Last Updated: 04/18/2025
First Harvest Credit Union Certificate Secured Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 7.22%(Verified 06/21/2024)
Amount Range
Starting at $500
Loan Term (Months)
Up to 60
First Harvest Credit Union Certificate Secured Loans Review
First Harvest Credit Union Certificate Secured Loans is offered by First Harvest Credit Union, a credit union founded in 1940 and based in Deptford, NJ. First Harvest Credit Union Certificate Secured Loans are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 7.22%. Personal loan interest rates typically range between 9% and 36%. The starting rates for First Harvest Credit Union Certificate Secured Loans are on the lower end of the spectrum.
First Harvest Credit Union Certificate Secured Loans Pros & Cons
| Pros | Cons |
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First Harvest Credit Union Certificate Secured Loans FAQ
What interest rates and personal loan terms does First Harvest Credit Union Certificate Secured Loans offer?
First Harvest Credit Union Certificate Secured Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does First Harvest Credit Union Certificate Secured Loans offer?
First Harvest Credit Union Certificate Secured Loans offers a fixed APR personal loan product that starts at 7.22% APR.
How much can you borrow via First Harvest Credit Union Certificate Secured Loans?
Personal loan amounts start at $500 .
What is the maximum loan term you can get with First Harvest Credit Union Certificate Secured Loans?
First Harvest Credit Union Certificate Secured Loans offers loans with terms of up to 60 months.
| Personal Loan Amount | Starting at $500 |
| Loan Term | up to 60 months |
| APR | Starting at 7.22% |
What fees does First Harvest Credit Union Certificate Secured Loans charge?
Does First Harvest Credit Union Certificate Secured Loans charge an origination fee?
First Harvest Credit Union Certificate Secured Loans may charge a personal loan origination fee .
Does First Harvest Credit Union Certificate Secured Loans charge a late fee?
First Harvest Credit Union Certificate Secured Loans does not disclose whether it charges late payment fees.
Does First Harvest Credit Union Certificate Secured Loans charge prepayment fees?
No, First Harvest Credit Union Certificate 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 First Harvest Credit Union Certificate Secured Loans?
First Harvest Credit Union Certificate 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. First Harvest Credit Union Certificate 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 First Harvest Credit Union Certificate 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
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does First Harvest Credit Union perform a hard credit pull?
Yes, First Harvest Credit Union Certificate 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 First Harvest Credit Union Certificate Secured Loans legit?
First Harvest Credit Union was founded in 1940, it is a well-established company that has been in business for 86 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 - 6:00PM
Friday
8:30AM - 6:00PM
Saturday
9:00AM - 1:00PM