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Rogue Credit Union Personal Loans Calculator & Overview

Carla Soto
Carla Soto
Updated 10 Aug 2023
Fact checked

Rogue Credit Union logo

Rogue Credit Union was founded in 1956 and is based in Medford, Oregon. Rogue Credit Union has over $3.70 billion in assets, and around 175,000 members. They offer a full range of products and services for personal banking, including personal loans, investment management, and financial planning.

Personal loans, when used wisely, can help you improve your credit score and reach financial goals. Left unchecked, however, you may face financial challenges. So to avoid any surprises, like if you decide to go for a Rogue Credit Union personal loan, look into how much your EMIs (equated monthly installments) will be. Let the Rogue Credit Union personal loans calculator do the work for you.

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

General facts about Rogue Credit Union personal loans

As with any other lender, Rogue Credit Union has its own set of loan features and benefits. See if any of these listed below matches your personal expectations and payment preferences:

What you need to know about the basic features and benefits of a personal loan from Rogue Credit Union:

  • Loan amounts: maximum $35,000
  • Loan terms: up to 60 months
  • Loan fees: $0 prepayment penalty
  • Interest rates: starting at 13.75% APR
  • Rate discount: 0.50% on automatic payments

 

Requirements for a Rogue Credit Union personal loan

A Rogue Credit Union personal loan is only available to current members and employees. If you are not yet a member, there are different ways to join. Membership is available to anyone who:

  • Lives, works, worships, or attends school in Rogue Credit Union recognized counties
  • Is a family member of a Rogue Credit Union member
  • Is a current or former employee of Rogue Credit Union recognized establishments, businesses, or institutions

The criteria for applicants of a personal loan from Rogue Credit Union are undisclosed. However, here’s what lenders typically require:

  • Proof of identity (that you are 18 years of age or older)
  • Proof of residence (a recent utility bill or a copy of your lease or other rental agreement)
  • A copy of government-issued ID (e.g. driver’s license)
  • Have a minimum score of around 600 to qualify; if a higher credit score is required, you may need a co-signer or co-borrower
  • Have a debt-to-income ratio of 40% or lower
  • Evidence of steady source of income (recent tax returns, monthly bank statements, pay stubs)
  • If self-employed: provide tax returns or bank deposits

 

Rogue Credit Union personal loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$20,000

Term

3 months

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Rogue Credit Union

Rogue Credit Union personal loans

Rogue Credit Union personal loans
Estimated Month Repayments
$652 Inclusive of fees
Interest Rate
10.75%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$1,000
to $35,000
Go to site
For Those Unexpected Situations or Expenses, a Personal Loan From Rogue Credit Union Is Here to Help
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Wells Fargo

Wells Fargo personal loans

Estimated Month Repayments
$606 Inclusive of fees
Interest Rate
5.74%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$3,000
to $10,000
Go to site
Checking and savings accounts and credit cards for your everyday business expenses and cash management.
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Eastman Credit Union

Eastman Credit Union personal loans (Shared Secured Personal Loan)

Estimated Month Repayments
$848 Inclusive of fees
Interest Rate
29.90%
APR
Repayment Period
12 months
to 12 months
Loan Amounts
$1,000
to $20,000
Go to site
ECU offers extraordinary products & services that make life just a little easier.

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

 

Pros and cons of Rogue Credit Union personal loans

Pros

  • No collateral required
  • No prepayment penalty
  • Automatic payment discount
  • Payment protection program
  • Get pre-approved without a hard credit pull

Cons

  • No information about minimum loan amount and loan term
  • Credit score and income requirements not listed
  • High base interest compared with those from other lenders

Pros

Frequently asked questions

Do I have to be a member of Rogue Credit Union to get a loan?

You do not need to be a Rogue Credit Union member to apply for a loan, but prior to a loan being funded you will have to apply for membership.

Does Rogue Credit Union offer a Skip-a-Pay option?

Yes. Rogue Credit Union allows borrowers to defer a loan payment.

What is the expected turnaround time for a Rogue Credit Union personal loan application?

Qualified borrowers can expect same day funding for their personal loan application from Rogue Credit Union.

Does Rogue Credit Union provide a debt protection plan?

Yes. Rogue Credit Union offers a loan protection insurance that can cover debt payments on personal loans if borrowers lose their ability to pay due to a covered event.

Does Rogue Credit Union allow a soft credit check?

Yes. Prequalify for a personal loan at Rogue Credit Union without affecting your credit score.

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Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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