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US Eagle Federal Credit Union Personal Loans Calculator & Overview

Carla Soto
Updated 11 Aug 2023
Fact checked

US Eagle Federal Credit Union logo

US Eagle Federal Credit Union was chartered in 1935 and is located in Albuquerque, New Mexico. This non-profit financial cooperative has more than 79,785 members and assets of over $1.18 billion. They provide personalized services including higher interest rates on savings and lower rates on personal loans, new and used auto loans, and HELOCs.

Personal loans can be beneficial if used carefully. Always check the amount of your monthly installments so you wouldn’t get into any financial difficulties along the way. Want to evaluate whether you should proceed with your application for a US Eagle Federal Credit Union personal loan? Let the US Eagle Federal 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.

Personal loans from US Eagle Federal Credit Union in a nutshell

It is important to know about the features and benefits of a personal loan from US Eagle Federal Credit Union. Read on to find out if any of the items below correspond to what you’re looking for in a personal loan:

  • Loan amounts: minimum $300
  • Loan terms: up to 60 months
  • Prepayment penalty: $0
  • Interest rates: from 11.70% to 18.00% APR

 

Requirements for a US Eagle Federal Credit Union personal loan

US Eagle Federal Credit Union personal loans are available for members. If you want to join, there are many ways to qualify for membership:

  • You live, work, worship, or attend school in US Eagle Federal Credit Union recognized counties
  • You are a family member of a US Eagle Federal Credit Union member
  • You are a current or former employee of US Eagle Federal Credit Union recognized establishments, businesses, or institutions

US Eagle Federal Credit Union loan requirements are undisclosed. Most lenders, however, expect potential applicants to have these documents ready:

  • Loan purpose and information, including desired loan amount and loan term
  • A clear copy of your photo ID and verification of address
  • Identification information, including ID type, number, state, date of issue, and expiration
  • Contact and reference information, including name, date of birth, member number, phone number, email, and physical address
  • Financial information, including gross monthly income and monthly expenses
  • Employment details or source of income such as two most recent pay stubs or copies of bank statements for the past three months
  • For self-employed applicants or business owners: proof of source of income such as bank statements for the past three months or the latest tax return
  • Proof of good credit standing
  • Proof of good debt-to-income ratio

US Eagle Federal Credit Union personal loan calculator

Loan Amount

$20,000

Term

3 months

US Eagle Federal Credit Union

US Eagle Federal Credit Union personal loans (Signature - Uncollateralized)

Estimated Month Repayments
Interest Rate
12.20%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$1,000
to $20,000
We know you care about competitive rates and quick loan turnarounds, but we also know you care a lot more about getting some extra cash to pay for that unexpected car repair, emergency home repairs, or that new chaise lounge that just went on sale.
US Eagle Federal Credit Union

US Eagle Federal Credit Union personal loans (QuickCash)

Estimated Month Repayments
Interest Rate
14.90%
APR
Repayment Period
1 month
to 80 months
Loan Amounts
$1,000
to $20,000
We know you care about competitive rates and quick loan turnarounds, but we also know you care a lot more about getting some extra cash to pay for that unexpected car repair, emergency home repairs, or that new chaise lounge that just went on sale.

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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 US Eagle FCU personal loans

Pros

  • Borrow as low as $300
  • No prepayment penalties
  • First time borrower program available
  • Debt protection available to qualified members
  • Pre-approval on loans available (pre-approval good for 60 days)
  • Deferred payment options available

Cons

  • No information on maximum loanable amoun
  • High base interest rate
  • No principal only payments

Frequently asked questions

How much does US Eagle FCU offer for its personal loans?

US Eagle FCU personal loans start at $300. The maximum loanable amount is undisclosed.

What are my options for repaying the full loan amount from US Eagle FCU?

The loan from US Eagle FCU can be repaid for a maximum of 5 years (60 months).

What are the potential rates for a personal loan from US Eagle FCU?

Potential rates for a US Eagle FCU personal loan can start from 11.70% up to 18.00%.

Does US Eagle FCU offer a Skip-a-Pay option?

Yes. US Eagle FCU allows borrowers to defer a loan payment for a $20 fee.

Does US Eagle Federal Credit Union provide a debt protection plan?

Yes. US Eagle FCU has a debt protection plan to help lessen your worries about paying loans when your income is reduced or lost.

What are the various payment options for a personal loan at US Eagle FCU?

You can pay your US Eagle FCU personal loan via online or mobile banking, at a branch, by phone, by mail, or through payroll deduction.


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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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