Last Updated: 04/18/2025
Academic Employees CU Signature Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 10.50%(Verified 08/06/2024)
Amount Range
Up to $5,000
Loan Term (Months)
24 - 36
Academic Employees CU Signature Loan Review
Academic Employees CU Signature Loan is offered by Academic Employees Credit Union, a credit union founded in 1936 and based in Columbia, MO. Academic Employees CU Signature Loan are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 10.50%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Academic Employees CU Signature Loan are on the higher end of the spectrum.
Academic Employees CU Signature Loan Pros & Cons
| Pros | Cons |
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Academic Employees CU Signature Loan FAQ
What interest rates and personal loan terms does Academic Employees CU Signature Loan offer?
Academic Employees CU Signature Loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Academic Employees CU Signature Loan offer?
Academic Employees CU Signature Loan offers a fixed APR personal loan product that starts at 10.50% APR.
What is the maximum loan term you can get with Academic Employees CU Signature Loan?
Academic Employees CU Signature Loan offers loans with terms of up to 36 months.
| Personal Loan Amount | up to $5000.00 |
| Loan Term | 24 - 36 months |
| APR | Starting at 10.50% |
What fees does Academic Employees CU Signature Loan charge?
Does Academic Employees CU Signature Loan charge an origination fee?
Academic Employees CU Signature Loan may charge a personal loan origination fee .
Does Academic Employees CU Signature Loan charge a late fee?
Academic Employees CU Signature Loan does not disclose whether it charges late payment fees.
Does Academic Employees CU Signature Loan charge prepayment fees?
No, Academic Employees CU Signature Loan 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 | No |
| Late Payment Fee | Starting at $15.00 |
What do you need to qualify for Academic Employees CU Signature Loan?
Academic Employees CU Signature Loan does not require or does not disclose a credit score minimum. Academic Employees CU Signature Loan 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 Signature Loan.
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 | N/A |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Academic Employees CU Signature Loan report your account activity to credit bureaus?
Yes, Academic Employees CU Signature Loan 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 Signature Loan 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 Academic Employees CU Signature Loan legit?
Academic Employees Credit Union was founded in 1936, it is a well-established company that has been in business for 90 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.
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