Last Updated: 04/18/2025
Ironworkers USA FCU Share Certificate Secured Loans
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Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
N/A(Verified 12/20/2023)
Amount Range
N/A
Loan Term (Months)
Starting at 12
Ironworkers USA FCU Share Certificate Secured Loans Review
Ironworkers USA FCU Share Certificate Secured Loans is offered by Ironworkers USA Federal Credit Union, a credit union founded in 1960 and based in Portland, OR. Ironworkers USA FCU Share Certificate Secured 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.
Ironworkers USA FCU Share Certificate Secured Loans Pros & Cons
| Pros | Cons |
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Ironworkers USA FCU Share Certificate Secured Loans FAQ
What interest rates and personal loan terms does Ironworkers USA FCU Share Certificate Secured Loans offer?
Ironworkers USA FCU Share Certificate Secured Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Ironworkers USA FCU Share Certificate Secured Loans offer?
Ironworkers USA FCU Share Certificate Secured Loans offers a variable APR personal loan product but they do not disclose their interest rates.
| Personal Loan Amount | N/A |
| Loan Term | Starting at 12 months |
| APR | N/A |
What fees does Ironworkers USA FCU Share Certificate Secured Loans charge?
Does Ironworkers USA FCU Share Certificate Secured Loans charge an origination fee?
Ironworkers USA FCU Share Certificate Secured Loans may charge a personal loan origination fee .
Does Ironworkers USA FCU Share Certificate Secured Loans charge a late fee?
Ironworkers USA FCU Share Certificate Secured Loans does not disclose whether it charges late payment fees.
Does Ironworkers USA FCU Share Certificate Secured Loans charge prepayment fees?
Yes, Ironworkers USA FCU Share Certificate Secured Loans may charge additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a personal loan early.
| Origination Fee | No |
| Prepayment Fee | Yes |
| Late Payment Fee | No |
What do you need to qualify for Ironworkers USA FCU Share Certificate Secured Loans?
Ironworkers USA FCU Share 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. Ironworkers USA FCU Share 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 Ironworkers USA FCU Share 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
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Ironworkers USA FCU Share Certificate Secured Loans report your account activity to credit bureaus?
Yes, Ironworkers USA FCU Share Certificate 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 Ironworkers USA Federal Credit Union perform a hard credit pull?
Yes, Ironworkers USA FCU Share 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 Ironworkers USA FCU Share Certificate Secured Loans legit?
Ironworkers USA Federal Credit Union was founded in 1960, it is a well-established company that has been in business for 66 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
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
Closed