Last Updated: 04/18/2025
Raiz FCU Share Secured Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 3.75%(Verified 07/04/2024)
Amount Range
N/A
Loan Term (Months)
Up to 120
Raiz FCU Share Secured Loan Review
Raiz FCU Share Secured Loan is offered by Raiz Federal Credit Union, a credit union founded in 1936 and based in El Paso, TX. Raiz FCU Share Secured Loan are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 3.75%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Raiz FCU Share Secured Loan are on the lower end of the spectrum.
- Super long loan terms. Raiz FCU Share Secured Loan offers loan terms of up to 120 months. Most personal loans have a maximum term of 60 months.
Raiz FCU Share Secured Loan Pros & Cons
| Pros | Cons |
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Raiz FCU Share Secured Loan FAQ
What interest rates and personal loan terms does Raiz FCU Share Secured Loan offer?
Raiz FCU Share Secured Loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Raiz FCU Share Secured Loan offer?
Raiz FCU Share Secured Loan offers a fixed APR personal loan product that starts at 3.75% APR.
What is the maximum loan term you can get with Raiz FCU Share Secured Loan?
Raiz FCU Share Secured Loan offers loans with terms of up to 120 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 120 months |
| APR | Starting at 3.75% |
What fees does Raiz FCU Share Secured Loan charge?
Does Raiz FCU Share Secured Loan charge an origination fee?
Raiz FCU Share Secured Loan may charge a personal loan origination fee .
Does Raiz FCU Share Secured Loan charge a late fee?
Raiz FCU Share Secured Loan does not disclose whether it charges late payment fees.
Does Raiz FCU Share Secured Loan charge prepayment fees?
No, Raiz FCU 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 Raiz FCU Share Secured Loan?
Raiz FCU 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. Raiz FCU Share Secured Loan 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 Raiz FCU 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 |
| Credit Score | N/A |
Does Raiz FCU Share Secured Loan report your account activity to credit bureaus?
Yes, Raiz FCU 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 Raiz Federal Credit Union perform a hard credit pull?
Yes, Raiz FCU 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 Raiz FCU Share Secured Loan legit?
Raiz Federal Credit Union was founded in 1936, it is a well-established company that has been in business for 90 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
9:30AM - 5:30PM
Tuesday
9:30AM - 5:30PM
Wednesday
9:30AM - 5:30PM
Thursday
9:30AM - 5:30PM
Friday
9:30AM - 5:30PM
Saturday
9:30AM - 12:30PM