Last Updated: 04/18/2025
Vermont FCU Construction Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
7.36% - 7.99%(Verified 06/21/2024)
Amount Range
Starting at $100,000
Loan Term (Months)
10 - 30
Vermont FCU Construction Loans Review
Vermont FCU Construction Loans is offered by Vermont Federal Credit Union, a credit union founded in 1953 and based in South Burlington, VT. Vermont FCU Construction Loans are available in 50 states 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.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Vermont FCU Construction Loans.
- Short loan terms. Vermont FCU Construction Loans have loan terms as short as 10 months.
Vermont FCU Construction Loans Pros & Cons
| Pros | Cons |
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Vermont FCU Construction Loans FAQ
What interest rates and personal loan terms does Vermont FCU Construction Loans offer?
Vermont FCU Construction Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Vermont FCU Construction Loans offer?
Vermont FCU Construction Loans offers a variable APR personal loan product that ranges from 7.36% APR up to 7.99% APR.
How much can you borrow via Vermont FCU Construction Loans?
Personal loan amounts start at $100,000 .
What is the maximum loan term you can get with Vermont FCU Construction Loans?
Vermont FCU Construction Loans offers loans with terms of up to 30 months.
| Personal Loan Amount | Starting at $100000 |
| Loan Term | 10 - 30 months |
| APR | 7.36% - 7.99% |
What fees does Vermont FCU Construction Loans charge?
Does Vermont FCU Construction Loans charge an origination fee?
Vermont FCU Construction Loans may charge a personal loan origination fee .
Does Vermont FCU Construction Loans charge a late fee?
Vermont FCU Construction Loans does not disclose whether it charges late payment fees.
Does Vermont FCU Construction Loans charge prepayment fees?
No, Vermont FCU Construction 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 Vermont FCU Construction Loans?
Vermont FCU Construction 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. Vermont FCU Construction Loans does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Vermont FCU Construction 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 | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
Does Vermont FCU Construction Loans report your account activity to credit bureaus?
Yes, Vermont FCU Construction 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 Vermont Federal Credit Union perform a hard credit pull?
Yes, Vermont FCU Construction 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 Vermont FCU Construction Loans legit?
vermont federal credit union was founded in 1953, it is a well-established company that has been in business for 73 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
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 5:00PM
Saturday
Closed
Other Services by Vermont Federal Credit Union
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6.00%
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Amount Range
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6.95% - 7.95%
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Amount Range
$2.5K - $40K
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Up to 120
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9.00%
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$250 - $5K
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7.00% - 9.50%
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Up to 5
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8.99%
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$2.5K - $15K
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Starting at 5.90%
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$5K - $75K
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Up to 20
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10.50%
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Amount Range
N/A
Loan Term (Months)
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Learn MoreSuperMoney Net Recommendation Score
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