Last Updated: 04/18/2025
Teachers FCU Short-Term Loans
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Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
N/A
Amount Range
$200 - $1,000
Loan Term (Months)
1 - 6
Teachers FCU Short-Term Loans Review
Teachers FCU Short-Term Loans is offered by Teachers Federal Credit Union, a credit union founded in 1974 and based in Hauppauge, NY. Teachers FCU Short-Term 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.
- Small-dollar loans. Teachers FCU Short-Term Loans has a maximum loan amount of just $1,000 .
- Short loan terms. Teachers FCU Short-Term Loans have loan terms as short as 1 month.
Teachers FCU Short-Term Loans Pros & Cons
| Pros | Cons |
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Teachers FCU Short-Term Loans FAQ
What interest rates and personal loan terms does Teachers FCU Short-Term Loans offer?
Teachers FCU Short-Term Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Teachers FCU Short-Term Loans offer?
Teachers FCU Short-Term Loans offers a variable APR personal loan product but they do not disclose their interest rates.
How much can you borrow via Teachers FCU Short-Term Loans?
Personal loan amounts start at $200 and go up to $1,000
What is the maximum loan term you can get with Teachers FCU Short-Term Loans?
Teachers FCU Short-Term Loans offers loans with terms of up to 6 months.
| Personal Loan Amount | $200 - $1000 |
| Loan Term | 1 - 6 months |
| APR | N/A |
What fees does Teachers FCU Short-Term Loans charge?
Does Teachers FCU Short-Term Loans charge an origination fee?
Teachers FCU Short-Term Loans may charge a personal loan origination fee .
Does Teachers FCU Short-Term Loans charge a late fee?
Teachers FCU Short-Term Loans does not disclose whether it charges late payment fees.
Does Teachers FCU Short-Term Loans charge prepayment fees?
No, Teachers FCU Short-Term 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 Short-Term Loans?
Teachers FCU Short-Term Loans does not require or does not disclose a credit score minimum. Teachers FCU Short-Term 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 Short-Term 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 Short-Term Loans report your account activity to credit bureaus?
Yes, Teachers FCU Short-Term 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 Short-Term 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 Short-Term 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