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Last Updated: 04/18/2025

Teachers FCU Personal Loans

in Personal Loans from Teachers Federal Credit Union

Last Updated: 04/18/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

APR (Variable APR)

Starting at 10.99%(Verified 08/25/2024)

Amount Range

Up to $40,000

Loan Term (Months)

24 - 72

Teachers FCU Personal Loans Review

Teachers FCU Personal Loans is offered by Teachers Federal Credit Union, a credit union founded in 1974 and based in Hauppauge, NY. Teachers FCU Personal 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. Personal loan interest rates typically range between 9% and 36%. The starting rates for Teachers FCU Personal Loans are on the higher end of the market.
Super long loan terms. Teachers FCU Personal Loans offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.

Teachers FCU Personal Loans Pros & Cons

Pros

Cons

Charges an origination fee.
Does not offer pre-approval with soft credit pull.
Teachers FCU Personal Loans does not report to credit bureaus.
Charges prepayment fees.
No co-sign option available.

Teachers FCU Personal Loans FAQ

What interest rates and personal loan terms does Teachers FCU Personal Loans offer?

Teachers FCU Personal Loans has higher than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Teachers FCU Personal Loans offer?

Teachers FCU Personal Loans offers a variable APR personal loan product that starts at 10.99% APR.

What is the maximum loan term you can get with Teachers FCU Personal Loans?

Teachers FCU Personal Loans offers loans with terms of up to 72 months.

Teachers FCU Personal Loans Interest Rates & Loan Terms

Personal Loan Amount

up to $40000

Loan Term

24 - 72 months

APR

Starting at 10.99%

What fees does Teachers FCU Personal Loans charge?

Does Teachers FCU Personal Loans charge an origination fee?

Teachers FCU Personal Loans may charge a personal loan origination fee .

Does Teachers FCU Personal Loans charge a late fee?

Teachers FCU Personal Loans does not disclose whether it charges late payment fees.

Does Teachers FCU Personal Loans charge prepayment fees?

No, Teachers FCU 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.

Teachers FCU Personal Loans Fees

Origination Fee

Prepayment Fee

N/A

Late Payment Fee

What do you need to qualify for Teachers FCU Personal Loans?

Teachers FCU Personal Loans does not require or does not disclose a credit score minimum.

Teachers FCU 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 Teachers FCU Personal 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

Teachers FCU Personal Loans Eligibility Criteria

Minimum Age

N/A

Bank Account Required?

Application Types Accepted

Individual Applications

Credit Score

N/A

Does Teachers Federal Credit Union perform a hard credit pull?

Yes, Teachers FCU 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 Teachers FCU Personal 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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.

Contact

Headquarters

2410 North Ocean Avenue, Farmingville

Hauppauge, NY 11738

(800) 341-4333

Visit Site

Email Support

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

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Other Personal Loans from Teachers Federal Credit Union

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APR

7.00%

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Amount Range

$250 - $3K

Loan Term (Months)

Up to 18

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Teachers FCU Holiday Loans

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APR

Starting at 7.00%

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Amount Range

$250 - $5K

Loan Term (Months)

Up to 24

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Teachers FCU PV/Solar Loan

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APR

7.99%

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Amount Range

$5K - $35K

Loan Term (Months)

Up to 24

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Teachers FCU Short-Term Loans

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APR

N/A

Amount Range

$200 - $1K

Loan Term (Months)

1 - 6

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Teachers FCU Vacation Loans

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APR

Starting at 7.00%

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Amount Range

$250 - $5K

Loan Term (Months)

Up to 24

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.