Last Updated: 04/18/2025
Sidney Federal Credit Union Credit Builder Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
N/A(Verified 09/26/2024)
Disclaimer popup with additional information
Amount Range
$500 - $2,000
Loan Term (Months)
Up to 24
Sidney Federal Credit Union Credit Builder Loans Review
Sidney Federal Credit Union Credit Builder Loans is offered by Sidney Federal Credit Union, a credit union founded in 1949 and based in Sidney, NY. Sidney Federal Credit Union Credit Builder Loans are available in 50 states, 5 US territories, 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.
- Small-dollar loans. Sidney Federal Credit Union Credit Builder Loans has a maximum loan amount of just $2,000 .
Sidney Federal Credit Union Credit Builder Loans Pros & Cons
| Pros | Cons |
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Sidney Federal Credit Union Credit Builder Loans FAQ
What interest rates and personal loan terms does Sidney Federal Credit Union Credit Builder Loans offer?
Sidney Federal Credit Union Credit Builder Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Sidney Federal Credit Union Credit Builder Loans offer?
Sidney Federal Credit Union Credit Builder Loans offers a variable APR personal loan product but they do not disclose their interest rates.
How much can you borrow via Sidney Federal Credit Union Credit Builder Loans?
Personal loan amounts start at $500 and go up to $2,000
What is the maximum loan term you can get with Sidney Federal Credit Union Credit Builder Loans?
Sidney Federal Credit Union Credit Builder Loans offers loans with terms of up to 24 months.
| Personal Loan Amount | $500 - $2000 |
| Loan Term | up to 24 months |
| APR | N/A |
What fees does Sidney Federal Credit Union Credit Builder Loans charge?
Does Sidney Federal Credit Union Credit Builder Loans charge an origination fee?
Sidney Federal Credit Union Credit Builder Loans may charge a personal loan origination fee .
Does Sidney Federal Credit Union Credit Builder Loans charge a late fee?
Sidney Federal Credit Union Credit Builder Loans does not disclose whether it charges late payment fees.
Does Sidney Federal Credit Union Credit Builder Loans charge prepayment fees?
No, Sidney Federal Credit Union Credit Builder 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 Sidney Federal Credit Union Credit Builder Loans?
Sidney Federal Credit Union Credit Builder Loans does not require or does not disclose a credit score minimum. Sidney Federal Credit Union Credit Builder 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 Sidney Federal Credit Union Credit Builder Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
- Proof of residence
| Minimum Age | N/A |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Sidney Federal Credit Union Credit Builder Loans report your account activity to credit bureaus?
Yes, Sidney Federal Credit Union Credit Builder 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 Sidney Federal Credit Union perform a hard credit pull?
Yes, Sidney Federal Credit Union Credit Builder 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 Sidney Federal Credit Union Credit Builder Loans legit?
Sidney Federal Credit Union was founded in 1949, it is a well-established company that has been in business for 77 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 - 4:30PM
Tuesday
9:00AM - 4:30PM
Wednesday
9:00AM - 4:30PM
Thursday
9:00AM - 4:30PM
Friday
9:00AM - 4:30PM
Saturday
9:00AM - 12:00PM