Last Updated: 04/18/2025
Richmond Heritage FCU Signature Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
7.50% - 18.00%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
N/A
Richmond Heritage FCU Signature Loans Review
Richmond Heritage FCU Signature Loans is offered by Richmond Heritage Federal Credit Union, a credit union founded in and based in Richmond, VA. Richmond Heritage FCU Signature Loans are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 7.50%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Richmond Heritage FCU Signature Loans are on the lower end of the spectrum.
Richmond Heritage FCU Signature Loans Pros & Cons
| Pros | Cons |
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Richmond Heritage FCU Signature Loans FAQ
What interest rates and personal loan terms does Richmond Heritage FCU Signature Loans offer?
Richmond Heritage FCU Signature Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Richmond Heritage FCU Signature Loans offer?
Richmond Heritage FCU Signature Loans offers a fixed APR personal loan product that ranges from 7.50% APR up to 18.00% APR.
| Personal Loan Amount | N/A |
| Loan Term | N/A |
| APR | 7.50% - 18.00% |
What fees does Richmond Heritage FCU Signature Loans charge?
Does Richmond Heritage FCU Signature Loans charge an origination fee?
Richmond Heritage FCU Signature Loans may charge a personal loan origination fee .
Does Richmond Heritage FCU Signature Loans charge a late fee?
Yes, Richmond Heritage FCU Signature Loans may charge a late payment fee if you miss one of the regularly scheduled payments of up to $29.00.
Does Richmond Heritage FCU Signature Loans charge prepayment fees?
No, Richmond Heritage FCU Signature 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 | $29.00 |
What do you need to qualify for Richmond Heritage FCU Signature Loans?
Richmond Heritage FCU Signature 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. Richmond Heritage FCU Signature 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 Richmond Heritage FCU Signature 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 Richmond Heritage FCU Signature Loans report your account activity to credit bureaus?
Yes, Richmond Heritage FCU Signature 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 Richmond Heritage Federal Credit Union perform a hard credit pull?
Yes, Richmond Heritage FCU Signature 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.
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
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
11:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed