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Our goal is to find solutions that help every member get to a better financial position, no matter where you’re starting from. We know that the road of life sometimes has a few bumps, so we offer a Fresh Start.

Loan Specifications

  • Minimum amount: $500
  • Maximum amount: $1,000
  • .25% rate reduction with automatic transfer method of payment

Members are encouraged to maintain their Fresh Start Loan for the full term in order to establish a meaningful payment history and improve their credit.


  • Be a current member in good standing for at least 6 months.
  • Have a steady income with a strong likelihood that the income will continue.
  • Use or intend to use TEG as their primary financial institution.

Limit one loan per member. If you make your payments on time for at least 6 months, you’ll also be eligible for a minimum $500 credit card.

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If you need a loan and don’t have a credit history at all, our First Time Borrower Loan would likely be a better fit for you.

For assistance, more information, or rates give us a call at (845) 452-7323 or visit any of our branch locations. We’ll be happy to help you!