Last Updated: 04/18/2025
Sterling United FCU Certificate Secured Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
4.51% - 7.27%(Verified 06/21/2024)
Amount Range
Up to $100,000
Loan Term (Months)
Up to 120
Sterling United FCU Certificate Secured Loans Review
Sterling United FCU Certificate Secured Loans is offered by Sterling United Federal Credit Union, a credit union founded in 1956 and based in Evansville, IN. Sterling United FCU Certificate Secured Loans are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 4.51%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Sterling United FCU Certificate Secured Loans are on the lower end of the spectrum.
- Super long loan terms. Sterling United FCU Certificate Secured Loans offers loan terms of up to 120 months. Most personal loans have a maximum term of 60 months.
Sterling United FCU Certificate Secured Loans Pros & Cons
| Pros | Cons |
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Sterling United FCU Certificate Secured Loans FAQ
What interest rates and personal loan terms does Sterling United FCU Certificate Secured Loans offer?
Sterling United FCU Certificate Secured Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Sterling United FCU Certificate Secured Loans offer?
Sterling United FCU Certificate Secured Loans offers a fixed APR personal loan product that ranges from 4.51% APR up to 7.27% APR.
What is the maximum loan term you can get with Sterling United FCU Certificate Secured Loans?
Sterling United FCU Certificate Secured Loans offers loans with terms of up to 120 months.
| Personal Loan Amount | up to $100000.00 |
| Loan Term | up to 120 months |
| APR | 4.51% - 7.27% |
What fees does Sterling United FCU Certificate Secured Loans charge?
Does Sterling United FCU Certificate Secured Loans charge an origination fee?
Sterling United FCU Certificate Secured Loans may charge a personal loan origination fee .
Does Sterling United FCU Certificate Secured Loans charge a late fee?
Yes, Sterling United FCU Certificate Secured Loans may charge a late payment fee if you miss one of the regularly scheduled payments of up to $20.00.
Does Sterling United FCU Certificate Secured Loans charge prepayment fees?
No, Sterling United FCU Certificate Secured 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 | $20.00 |
What do you need to qualify for Sterling United FCU Certificate Secured Loans?
Sterling United FCU 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. Sterling United FCU 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 Sterling United FCU 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 |
| Application Types Accepted |
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| Credit Score | N/A |
Does Sterling United FCU Certificate Secured Loans report your account activity to credit bureaus?
Yes, Sterling United FCU 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 Sterling United Federal Credit Union perform a hard credit pull?
Yes, Sterling United FCU 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 Sterling United FCU Certificate Secured Loans legit?
Sterling United Federal Credit Union was founded in 1956, it is a well-established company that has been in business for 70 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 - 4:30PM
Tuesday
9:00AM - 4:30PM
Wednesday
9:00AM - 4:30PM
Thursday
9:00AM - 4:30PM
Friday
8:30AM - 5:00PM
Saturday
Closed
Other Services by Sterling United Federal Credit Union
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Other Personal Loans from Sterling United Federal Credit Union
Rating not yet determined
APR
8.25% - 10.00%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
12 - 48
Rating not yet determined
APR
Starting at 2.05%
Disclaimer popup with additional information
Amount Range
Up to $100,000
Loan Term (Months)
60 - 120
Rating not yet determined
APR
Starting at 9.25%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
12 - 60
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Learn MoreSuperMoney Net Recommendation Score
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