Last Updated: 04/18/2025
Teachers FCU Vacation 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 Vacation Loans Review
Teachers FCU Vacation Loans is offered by Teachers Federal Credit Union, a credit union founded in 1974 and based in Hauppauge, NY. Teachers FCU Vacation 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 Vacation Loans Pros & Cons
| Pros | Cons |
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Teachers FCU Vacation Loans FAQ
What interest rates and personal loan terms does Teachers FCU Vacation Loans offer?
Teachers FCU Vacation Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Teachers FCU Vacation Loans offer?
Teachers FCU Vacation Loans offers a variable APR personal loan product that starts at 7.00% APR.
How much can you borrow via Teachers FCU Vacation 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 Vacation Loans?
Teachers FCU Vacation 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 Vacation Loans charge?
Does Teachers FCU Vacation Loans charge an origination fee?
Teachers FCU Vacation Loans may charge a personal loan origination fee .
Does Teachers FCU Vacation Loans charge a late fee?
Teachers FCU Vacation Loans does not disclose whether it charges late payment fees.
Does Teachers FCU Vacation Loans charge prepayment fees?
No, Teachers FCU Vacation 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 Vacation Loans?
Teachers FCU Vacation Loans does not require or does not disclose a credit score minimum. Teachers FCU Vacation 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 Vacation 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 Vacation Loans report your account activity to credit bureaus?
Yes, Teachers FCU Vacation 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 Vacation 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 Vacation 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