Last Updated: 04/18/2025
TDECU CU Personal Loans
Unaffiliated
in Personal Loans from TDECU Credit Union
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 7.74%(Verified 06/21/2024)
Amount Range
$1,000 - $10,000
Loan Term (Months)
12 - 72
TDECU CU Personal Loans Review
TDECU CU Personal Loans is offered by TDECU Credit Union, a credit union founded in 1955 and based in Lake Jackson, TX. TDECU CU Personal Loans are available in 50 states and Washington, DC.
Key Takeaways
- Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. These are average interest rates for a personal loan. If you have good credit or a cosigner, you could probably find better rates.
- Super long loan terms. TDECU CU Personal Loans offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.
TDECU CU Personal Loans Pros & Cons
| Pros | Cons |
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TDECU CU Personal Loans FAQ
What interest rates and personal loan terms does TDECU CU Personal Loans offer?
TDECU CU Personal Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does TDECU CU Personal Loans offer?
TDECU CU Personal Loans offers a variable APR personal loan product that starts at 7.74% APR.
How much can you borrow via TDECU CU Personal Loans?
Personal loan amounts start at $1,000 and go up to $10,000
What is the maximum loan term you can get with TDECU CU Personal Loans?
TDECU CU Personal Loans offers loans with terms of up to 72 months.
| Personal Loan Amount | $1000 - $10000 |
| Loan Term | 12 - 72 months |
| APR | Starting at 7.74% |
What fees does TDECU CU Personal Loans charge?
Does TDECU CU Personal Loans charge an origination fee?
TDECU CU Personal Loans may charge a personal loan origination fee .
Does TDECU CU Personal Loans charge a late fee?
TDECU CU Personal Loans does not disclose whether it charges late payment fees.
Does TDECU CU Personal Loans charge prepayment fees?
No, TDECU CU Personal Loans 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 | N/A |
| Late Payment Fee | No |
What do you need to qualify for TDECU CU Personal Loans?
TDECU CU Personal Loans 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. TDECU CU Personal Loans 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 TDECU CU Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Proof of insurance
- Driver's license or other government photo ID
- Proof of identity
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does TDECU CU Personal Loans report your account activity to credit bureaus?
Yes, TDECU CU Personal Loans 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 TDECU Credit Union perform a hard credit pull?
Yes, TDECU CU Personal Loans 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 TDECU CU Personal Loans legit?
TDECU Credit Union was founded in 1955, it is a well-established company that has been in business for 71 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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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
10:00AM - 12:00PM