Good credit union for personal loan ?

Question

Any recommendations on a good credit union for a small loan $3000. Credit score 650
A credit union that I would be able to obtain money same day or within 24 hours in California.
Also, may credit unions penalize you for paying early?
Mostly I need a good reputable credit union recommendation
Thanks

Answer 1

While credit unions are excellent places to get loans, you generally need to be a member for some time before they will consider your application. Unlike banks, you can't just join any credit union. By law, credit unions are chartered to serve people working in a certain industry, or living in a certain area.

Ask the people you work with or live nearby whether they belong to a credit union. They may be able to suggest one that you qualify to join.

As for early payment penalties--you're very unlikely to find that with a credit union loan.

Answer 2

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Answer 3

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RE Good credit union for personal loan ?

Any recommendations on a good credit union for a small loan $3000. Credit score 650
A credit union that I would be able to obtain money same day or within 24 hours in California.
Also, may credit unions penalize you for paying early?
Mostly I need a good reputable credit union recommendation
Thanks

Answer 4

you would have to have an existing acct with ANY credit union to be able to get a loan from THAT credit union and 24 hrs is totally unreasonable to expect to actually get the money - if you get approved at all

why would you be paying it back early? that certainly will NOT help your credit rating if that is the intention

Answer 5

You can join any credit union anywhere today and become a member. If you're trying to build your credit score, just make they belong to the credit bureau

Answer 6

The question is what credit unions are you ELIGIBLE to join? Credit unions are based on membership.

Answer 7

that's right you have to be able to join it is a membership but just check that they are insured by NCUA they are audited so any and all are safe