Last Updated: 04/18/2025
Vital FCU Savings-Secured Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
5.00%(Verified 06/21/2024)
Amount Range
N/A
Loan Term (Months)
N/A
Vital FCU Savings-Secured Loan Review
Vital FCU Savings-Secured Loan is offered by VITAL Federal Credit Union, a credit union founded in 1964 and based in Spartanburg, SC. Vital FCU Savings-Secured Loan 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. Personal loan interest rates typically range between 9% and 36%. The starting rates for Vital FCU Savings-Secured Loan are on the lower end of the spectrum.
Vital FCU Savings-Secured Loan Pros & Cons
| Pros | Cons |
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Vital FCU Savings-Secured Loan FAQ
What interest rates and personal loan terms does Vital FCU Savings-Secured Loan offer?
Vital FCU Savings-Secured Loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Vital FCU Savings-Secured Loan offer?
Vital FCU Savings-Secured Loan offers a variable APR personal loan product of 5.00%.
| Personal Loan Amount | N/A |
| Loan Term | N/A |
| APR | 5.00% |
What fees does Vital FCU Savings-Secured Loan charge?
Does Vital FCU Savings-Secured Loan charge an origination fee?
Vital FCU Savings-Secured Loan may charge a personal loan origination fee .
Does Vital FCU Savings-Secured Loan charge a late fee?
Vital FCU Savings-Secured Loan does not disclose whether it charges late payment fees.
Does Vital FCU Savings-Secured Loan charge prepayment fees?
No, Vital FCU Savings-Secured 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 Vital FCU Savings-Secured Loan?
Vital FCU Savings-Secured Loan 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. Vital FCU Savings-Secured 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 Vital FCU Savings-Secured Loan.
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 |
| Credit Score | N/A |
Does Vital FCU Savings-Secured Loan report your account activity to credit bureaus?
Yes, Vital FCU Savings-Secured 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 VITAL Federal Credit Union perform a hard credit pull?
Yes, Vital FCU Savings-Secured 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 Vital FCU Savings-Secured Loan legit?
VITAL Federal Credit Union was founded in 1964, it is a well-established company that has been in business for 62 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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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.
Contact
Headquarters
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