Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 5.00%(Verified 06/21/2024)
Amount Range
Starting at $300
Loan Term (Months)
1 - 63
MyUSA Credit Union Share Secured Loan Review
MyUSA Credit Union Share Secured Loan is offered by MyUSA Credit Union, a credit union founded in 1934 and based in Middletown, OH. MyUSA Credit Union Share Secured Loan 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 MyUSA Credit Union Share Secured Loan are on the lower end of the spectrum.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for MyUSA Credit Union Share Secured Loan.
- Short loan terms. MyUSA Credit Union Share Secured Loan have loan terms as short as 1 month.
- Super long loan terms. MyUSA Credit Union Share Secured Loan offers loan terms of up to 63 months. Most personal loans have a maximum term of 60 months.
MyUSA Credit Union Share Secured Loan Pros & Cons
| Pros | Cons |
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MyUSA Credit Union Share Secured Loan FAQ
What interest rates and personal loan terms does MyUSA Credit Union Share Secured Loan offer?
MyUSA Credit Union Share Secured Loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does MyUSA Credit Union Share Secured Loan offer?
MyUSA Credit Union Share Secured Loan offers a variable APR personal loan product that starts at 5.00% APR.
How much can you borrow via MyUSA Credit Union Share Secured Loan?
Personal loan amounts start at $300.00 .
What is the maximum loan term you can get with MyUSA Credit Union Share Secured Loan?
MyUSA Credit Union Share Secured Loan offers loans with terms of up to 63 months.
| Personal Loan Amount | Starting at $300.00 |
| Loan Term | 1 - 63 months |
| APR | Starting at 5.00% |
What fees does MyUSA Credit Union Share Secured Loan charge?
Does MyUSA Credit Union Share Secured Loan charge an origination fee?
MyUSA Credit Union Share Secured Loan may charge a personal loan origination fee .
Does MyUSA Credit Union Share Secured Loan charge a late fee?
MyUSA Credit Union Share Secured Loan does not disclose whether it charges late payment fees.
Does MyUSA Credit Union Share Secured Loan charge prepayment fees?
No, MyUSA Credit Union Share 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.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for MyUSA Credit Union Share Secured Loan?
MyUSA Credit Union Share 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. MyUSA Credit Union Share Secured Loan does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by MyUSA Credit Union Share 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
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
Does MyUSA Credit Union Share Secured Loan report your account activity to credit bureaus?
Yes, MyUSA Credit Union Share 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 MyUSA Credit Union perform a hard credit pull?
Yes, MyUSA Credit Union Share 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 MyUSA Credit Union Share Secured Loan legit?
MyUSA 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.
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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 12:00PM
Other Services by MyUSA Credit Union
Credit Cards
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Other Personal Loans from MyUSA Credit Union
Rating not yet determined
APR
Starting at 10.00%
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Amount Range
N/A
Loan Term (Months)
N/A
Rating not yet determined
APR
Starting at 9.99%
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Amount Range
$1,500 - $15,000
Loan Term (Months)
1 - 48
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Learn MoreSuperMoney Net Recommendation Score
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