Last Updated: 04/18/2025
Teachers FCU Personal Loans
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Last Updated: 04/18/2025
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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 |
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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.
| 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.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
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
| Minimum Age | N/A |
| Bank Account Required? | No |
| 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.
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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