Is Western New York FCU Fully Share-Secured Loans the right fit for you?
Last Updated: 04/18/2025
Western New York FCU Fully Share-Secured Loans
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Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 3.10%(Verified 08/22/2024)
Amount Range
N/A
Loan Term (Months)
Up to 72
Western New York FCU Fully Share-Secured Loans Review
Western New York FCU Fully Share-Secured Loans is offered by Western New York Federal Credit Union, a credit union founded in 1964 and based in West Seneca, NY. Western New York FCU Fully Share-Secured Loans are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 3.10%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Western New York FCU Fully Share-Secured Loans are on the lower end of the spectrum.
- Super long loan terms. Western New York FCU Fully Share-Secured Loans offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.
Western New York FCU Fully Share-Secured Loans Pros & Cons
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Western New York FCU Fully Share-Secured Loans FAQ
What interest rates and personal loan terms does Western New York FCU Fully Share-Secured Loans offer?
Western New York FCU Fully Share-Secured Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Western New York FCU Fully Share-Secured Loans offer?
Western New York FCU Fully Share-Secured Loans offers a fixed APR personal loan product that starts at 3.10% APR.
What is the maximum loan term you can get with Western New York FCU Fully Share-Secured Loans?
Western New York FCU Fully Share-Secured Loans offers loans with terms of up to 72 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 72 months |
| APR | Starting at 3.10% |
What fees does Western New York FCU Fully Share-Secured Loans charge?
Does Western New York FCU Fully Share-Secured Loans charge an origination fee?
Western New York FCU Fully Share-Secured Loans may charge a personal loan origination fee .
Does Western New York FCU Fully Share-Secured Loans charge a late fee?
Yes, Western New York FCU Fully Share-Secured Loans may charge a late payment fee if you miss one of the regularly scheduled payments of up to $10.00.
Does Western New York FCU Fully Share-Secured Loans charge prepayment fees?
No, Western New York FCU Fully Share-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 | $10.00 |
What do you need to qualify for Western New York FCU Fully Share-Secured Loans?
Western New York FCU Fully Share-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. Western New York FCU Fully Share-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 Western New York FCU Fully Share-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 Western New York FCU Fully Share-Secured Loans report your account activity to credit bureaus?
Yes, Western New York FCU Fully Share-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 Western New York Federal Credit Union perform a hard credit pull?
Yes, Western New York FCU Fully Share-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 Western New York FCU Fully Share-Secured Loans legit?
Western New York 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.
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