Last Updated: 04/18/2025
Teachers FCU Holiday Loans
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Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 7.00%(Verified 08/25/2024)
Amount Range
$250 - $5,000
Loan Term (Months)
Up to 24
Teachers FCU Holiday Loans Review
Teachers FCU Holiday Loans is offered by Teachers Federal Credit Union, a credit union founded in 1974 and based in Hauppauge, NY. Teachers FCU Holiday Loans are available in 50 states, 5 US territories, 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.
Teachers FCU Holiday Loans Pros & Cons
| Pros | Cons |
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Teachers FCU Holiday Loans FAQ
What interest rates and personal loan terms does Teachers FCU Holiday Loans offer?
Teachers FCU Holiday Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Teachers FCU Holiday Loans offer?
Teachers FCU Holiday Loans offers a variable APR personal loan product that starts at 7.00% APR.
How much can you borrow via Teachers FCU Holiday Loans?
Personal loan amounts start at $250 and go up to $5,000
What is the maximum loan term you can get with Teachers FCU Holiday Loans?
Teachers FCU Holiday Loans offers loans with terms of up to 24 months.
| Personal Loan Amount | $250 - $5000 |
| Loan Term | up to 24 months |
| APR | Starting at 7.00% |
What fees does Teachers FCU Holiday Loans charge?
Does Teachers FCU Holiday Loans charge an origination fee?
Teachers FCU Holiday Loans may charge a personal loan origination fee .
Does Teachers FCU Holiday Loans charge a late fee?
Teachers FCU Holiday Loans does not disclose whether it charges late payment fees.
Does Teachers FCU Holiday Loans charge prepayment fees?
No, Teachers FCU Holiday 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 Teachers FCU Holiday Loans?
Teachers FCU Holiday Loans does not require or does not disclose a credit score minimum. Teachers FCU Holiday 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 Teachers FCU Holiday Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | N/A |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Teachers FCU Holiday Loans report your account activity to credit bureaus?
Yes, Teachers FCU Holiday 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 Teachers Federal Credit Union perform a hard credit pull?
Yes, Teachers FCU Holiday 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 Teachers FCU Holiday Loans legit?
Teachers Federal Credit Union was founded in 1974, it is a well-established company that has been in business for 52 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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Contact
Headquarters
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 - 6:00PM
Saturday
9:00AM - 2:00PM