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Treasury Department Federal Credit Union Personal Loans Calculator & Overview

Carla Soto
Carla Soto
Updated 11 Aug 2023
Fact checked

Treasury Department Federal Credit Union logo

Established in 1935 in Washington D.C., Treasury Department Federal Credit Union is a full service financial institution where each member is an owner of the credit union with an equal vote. Their offerings and services include savings, checking, CDs, loan products, mortgage, and refinancing.

Personal loans can be a terrific method to meet unexpected expenses, but you should work out the details so you’re completely clear on fees and other costs for the life of the loan. The question you might be asking now is: ‘Will I qualify for a loan from Bank Name?’ It is important to know how much you have to pay, monthly or overall. Use the Treasury Department Federal Credit Union personal loans calculator to view your EMIs (equated monthly installments).

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

Personal loans from Treasury Department Federal Credit Union in a nutshell

Like other lenders, Treasury Department Federal Credit Union offers its own list of features and benefits. Look at the list below so you can determine if they fit your personal expectations and payment preferences:

  • Loan amounts: maximum $20,000
  • Loan terms: up to 60 months
  • Interest rates: starts at 9.75% APR

Requirements for a Treasury Department Federal Credit Union personal loan

You must be a member of the Treasury Department Federal Credit Union to be eligible for a personal loan. Here are the criteria you must meet to become a member of Treasury Department Federal Credit Union:

  • You live, work, worship, or attend school in Treasury Department Federal Credit Union recognized counties
  • You are a family member of a Treasury Department Federal Credit Union member
  • You are a current or former employee of Treasury Department Federal Credit Union recognized establishments, businesses, or institutions

There is no available information on borrower criteria for a Treasury Department Federal Credit Union personal loan. Typically, most lenders have a general expectation among potential loan applicants. These are the following:

  • You are at least 18 years old (provide a copy of your government-issued IDs such as certificate of citizenship, driver’s license, passport, or military ID)
  • You are a US resident (provide a copy of a recent utility bill, lease or rental agreement, or mortgage statement)
  • You have a good credit history – minimum of 600 is acceptable although 700 or higher is ideal.
  • You have a debt-to-income ratio of less than 40%.
  • You have a valid and active bank account.
  • You have proof of steady employment – provide a copy of paystubs, W-2s and 1099s, or an employer statement.
  • If you have a business or a self-employed individual, provide income verification such as tax returns, bank statements, annuity statements.

 

Treasury Department Federal Credit Union personal loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$20,000

Term

3 months

Change
Treasury Department Federal Credit Union

Treasury Department Federal Credit Union personal loans (Credit Consolidation Loan)

Treasury Department Federal Credit Union personal loans (Credit Consolidation Loan)
Estimated Month Repayments
$629 Inclusive of fees
Interest Rate
8.25%
APR
Repayment Period
12 months
to 48 months
Loan Amounts
$1,000
to $20,000
Go to site
The Treasury Department Federal Credit Union offers a variety of lending products to meet your financial needs. The choice is yours.
Treasury Department Federal Credit Union

Treasury Department Federal Credit Union personal loans (Signature)

Treasury Department Federal Credit Union personal loans (Signature)
Estimated Month Repayments
$629 Inclusive of fees
Interest Rate
8.25%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$1,000
to $20,000
Go to site
The Treasury Department Federal Credit Union offers a variety of lending products to meet your financial needs. The choice is yours.
Featured
Wells Fargo

Wells Fargo personal loans

Estimated Month Repayments
$606 Inclusive of fees
Interest Rate
5.74%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$3,000
to $10,000
Go to site
Checking and savings accounts and credit cards for your everyday business expenses and cash management.
Featured
Eastman Credit Union

Eastman Credit Union personal loans (Shared Secured Personal Loan)

Estimated Month Repayments
$848 Inclusive of fees
Interest Rate
29.90%
APR
Repayment Period
12 months
to 12 months
Loan Amounts
$1,000
to $20,000
Go to site
ECU offers extraordinary products & services that make life just a little easier.

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

 

Pros and cons of Treasury Department FCU personal loans

Pros

  • Lower rates compared to credit cards and other credit unions
  • Easy online application
  • No collateral required

Cons

  • The lender doesn’t make its full eligibility criteria clear
  • The maximum borrowing limit is lower than those from other lenders
  • No information on rate discounts for automatic payments

Frequently asked questions

What are the minimum and maximum loan amounts for a Treasury Department FCU personal loan?

Treasury Department FCU offers personal loans up to $20,000.

How long should I repay a personal loan from Treasury Department FCU personal loan?

You have up to 60 months to repay your personal loan from Treasury Department FCU.

What interest rates does Treasury Department FCU personal loan offer?

Interest rates for a personal loan from Treasury Department FCU start at 9.75% APR.

Do I need to submit collateral for a Treasury Department FCU personal loan?

No. Personal loans from Treasury Department FCU are unsecured and do not require collateral.

What number do I need to call to ask about personal loans from Treasury Department FCU?

You can call 800.344.4497 to find out more about Treasury Department FCU personal loans.

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Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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