Last Updated: 04/18/2025
Academic Employees CU Line of Credit
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Amount Range
Up to $5,000
APR (Fixed APR)
Starting at 9.50%(Verified 08/06/2024)
Academic Employees CU Line of Credit Review
Academic Employees CU Line of Credit is offered through Academic Employees Credit Union, a credit union founded in 1936 and based in Columbia, MO. Academic Employees CU Line of Credit are available in 50 states, 5 US territories, and Washington, DC.
Academic Employees CU Line of Credit FAQ
What APRs does Academic Employees CU Line of Credit offer?
Academic Employees CU Line of Credit offers an APR that starts at 9.50% APR.
Does the Academic Employees CU Line of Credit charge an origination fee?
Yes, Academic Employees CU Line of Credit charges a line of credit origination fee .Does the Academic Employees CU Line of Credit charge a cash advance fee?
Yes, Academic Employees CU Line of Credit may charge a fee .Does Academic Employees CU Line of Credit charge a late fee?
Yes, Academic Employees CU Line of Credit may charge borrowers a late payment fee of up to $15.00 .| Cash Advance Fee | N/A |
| Origination Fee | No |
| Prepayment Fee? | Yes |
| Late Payment Fee | Starting at $15.00 |
| Statement Balance Fee | No |
| Billing Cycle Charge | No |
What do you need to qualify for Academic Employees CU Line of Credit?
Academic Employees CU Line of Credit 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. Academic Employees CU Line of Credit 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 Academic Employees CU Line of Credit.
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
Does Academic Employees CU Line of Credit report your account activity to credit bureaus?
Yes, Academic Employees CU Line of Credit 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 Academic Employees Credit Union perform a hard credit pull?
Yes, Academic Employees CU Line of Credit 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.
How to apply for Academic Employees CU Line of Credit
- Visit the Academic Employees CU Line of Credit website.
- Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
- Check the information is accurate and submit your application.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
10:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed