Last Updated: 04/18/2025
Vermont FCU Efficiency Home Improvement Loan
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Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
6.95% - 7.95%(Verified 06/21/2024)
Amount Range
$2,500 - $40,000
Loan Term (Months)
Up to 120
Vermont FCU Efficiency Home Improvement Loan Review
Vermont FCU Efficiency Home Improvement Loan is offered by Vermont Federal Credit Union, a credit union founded in 1953 and based in South Burlington, VT. Vermont FCU Efficiency Home Improvement Loan 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. Personal loan interest rates typically range between 9% and 36%. The starting rates for Vermont FCU Efficiency Home Improvement Loan are on the lower end of the spectrum.
- Super long loan terms. Vermont FCU Efficiency Home Improvement Loan offers loan terms of up to 120 months. Most personal loans have a maximum term of 60 months.
Vermont FCU Efficiency Home Improvement Loan Pros & Cons
| Pros | Cons |
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Vermont FCU Efficiency Home Improvement Loan FAQ
What interest rates and personal loan terms does Vermont FCU Efficiency Home Improvement Loan offer?
Vermont FCU Efficiency Home Improvement Loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Vermont FCU Efficiency Home Improvement Loan offer?
Vermont FCU Efficiency Home Improvement Loan offers a variable APR personal loan product that ranges from 6.95% APR up to 7.95% APR.
How much can you borrow via Vermont FCU Efficiency Home Improvement Loan?
Personal loan amounts start at $2,500 and go up to $40,000
What is the maximum loan term you can get with Vermont FCU Efficiency Home Improvement Loan?
Vermont FCU Efficiency Home Improvement Loan offers loans with terms of up to 120 months.
| Personal Loan Amount | $2500 - $40000 |
| Loan Term | up to 120 months |
| APR | 6.95% - 7.95% |
What fees does Vermont FCU Efficiency Home Improvement Loan charge?
Does Vermont FCU Efficiency Home Improvement Loan charge an origination fee?
Vermont FCU Efficiency Home Improvement Loan may charge a personal loan origination fee .
Does Vermont FCU Efficiency Home Improvement Loan charge a late fee?
Vermont FCU Efficiency Home Improvement Loan does not disclose whether it charges late payment fees.
Does Vermont FCU Efficiency Home Improvement Loan charge prepayment fees?
No, Vermont FCU Efficiency Home Improvement Loan 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 Efficiency Home Improvement Loan?
Vermont FCU Efficiency Home Improvement Loan does not require or does not disclose a credit score minimum. Vermont FCU Efficiency Home Improvement Loan 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 Vermont FCU Efficiency Home Improvement Loan.
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 Vermont FCU Efficiency Home Improvement Loan report your account activity to credit bureaus?
Yes, Vermont FCU Efficiency Home Improvement Loan 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 Efficiency Home Improvement Loan 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 Efficiency Home Improvement Loan 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.
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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