Last Updated: 04/18/2025
Strata Credit Union Money Market Secured Loans
Unaffiliated
in Personal Loans from Strata Credit Union
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
8.375%(Verified 07/07/2024)
Amount Range
N/A
Loan Term (Months)
Up to 120
Strata Credit Union Money Market Secured Loans Review
Strata Credit Union Money Market Secured Loans is offered by Strata Credit Union, a credit union founded in 1949 and based in Bakersfield, CA. Strata Credit Union Money Market Secured 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. These are average interest rates for a personal loan. If you have good credit or a cosigner, you could probably find better rates.
- Super long loan terms. Strata Credit Union Money Market Secured Loans offers loan terms of up to 120 months. Most personal loans have a maximum term of 60 months.
Strata Credit Union Money Market Secured Loans Pros & Cons
| Pros | Cons |
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Strata Credit Union Money Market Secured Loans FAQ
What interest rates and personal loan terms does Strata Credit Union Money Market Secured Loans offer?
What interest rates does Strata Credit Union Money Market Secured Loans offer?
Strata Credit Union Money Market Secured Loans offers a variable APR personal loan product of 8.375%.
What is the maximum loan term you can get with Strata Credit Union Money Market Secured Loans?
Strata Credit Union Money Market Secured Loans offers loans with terms of up to 120 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 120 months |
| APR | 8.375% |
What fees does Strata Credit Union Money Market Secured Loans charge?
Does Strata Credit Union Money Market Secured Loans charge an origination fee?
Strata Credit Union Money Market Secured Loans may charge a personal loan origination fee .
Does Strata Credit Union Money Market Secured Loans charge a late fee?
Strata Credit Union Money Market Secured Loans does not disclose whether it charges late payment fees.
Does Strata Credit Union Money Market Secured Loans charge prepayment fees?
No, Strata Credit Union Money Market 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 | No |
What do you need to qualify for Strata Credit Union Money Market Secured Loans?
Strata Credit Union Money Market 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. Strata Credit Union Money Market 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 Strata Credit Union Money Market 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 |
|
| Credit Score | N/A |
Does Strata Credit Union Money Market Secured Loans report your account activity to credit bureaus?
Yes, Strata Credit Union Money Market 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 Strata Credit Union perform a hard credit pull?
Yes, Strata Credit Union Money Market 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 Strata Credit Union Money Market Secured Loans legit?
Strata 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.
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 - 5:30PM
Tuesday
9:00AM - 5:30PM
Wednesday
9:00AM - 5:30PM
Thursday
9:00AM - 5:30PM
Friday
9:00AM - 5:30PM
Saturday
Closed
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Amount Range
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Loan Term (Months)
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Learn MoreSuperMoney Net Recommendation Score
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