Skip to content

Fixed rate

Predictable monthly payments

Flexible terms

Up to 60 months

Loan amounts

$500–$30,000+

No application fee

No prepayment penalties

Why choose a TEG personal loan?

  • Competitive personal loan rates
  • Unsecured—no collateral required
  • Receive your funds in one lump sum
  • Fixed monthly repayment schedule
  • Fast and convenient application process
Personal Loan
Personal Loan 48-Month Fixed
as low as
8.74
%
APR
Rates as of

Debt consolidationLower your interest rates, streamline your payments, and make progress in paying off your debt.

Home renovationsFrom a new pool to a kitchen upgrade, transform your home with home improvements.

Major purchasesBig-ticket items or life events, like weddings and moving costs and more.

Travel and vacationsNeed a vacation or planning a trip of a lifetime? We can help get you there.

Unexpected expensesLife doesn’t always go as planned. Make managing car repairs or medical expenses easier.

Seasonal bills Surprised with a higher tax bill? Gift buying adding up? We can help.

Personal Loan Rates

TEGFCU is one of the few local lenders that offers loans over $30,000. However, the exact amount borrowers can qualify for depends on overall creditworthiness. Apply today or speak to a loan officer to learn more.

TermAmountAPR as low as
Up To 48 Months Up to $30,0008.74%
49 to 60 MonthsUp to $30,00010.74%
Up to 48 MonthsAbove $30,00010.99%
49 to 60 MonthsAbove $30,00011.49%

Rates effective as of 10/1/26. APR = Annual Percentage Rate. Advertised rate is lowest offered and includes a .25% rate discount for automatic payments for the life of the loan. APR is based on creditworthiness, loan amount and term. Your rate and term may vary. Terms from 3 to 60 months. Borrowers may request shorter terms. An additional .50% will be added to APR for each $5000 incremental increase for $35,000 and over, up to the credit union maximum of 18% APR. Rates are subject to change. All loans are subject to approval. For example, a 48-month loan with a 8.74% APR fixed rate loan for $1,000.00 would result in 48 monthly payments of $24.77.


Plan with confidence

What could your payment look like?

Adjust the amount, estimated APR and term to explore a monthly payment that may fit your budget.

  • See your estimated monthly payment
  • Understand estimated total interest
  • Apply when you feel ready

Enter an estimated APR from the rates shown above.

Estimated monthly payment

$244.08

Total estimated interest$1,715.95
Total estimated repayment$11,715.95
Apply for a personal loan

For educational purposes only. Your approved rate, payment and terms may differ. This is not a loan offer. All loans are subject to approval.


A simple application

How do you apply?

Apply securely online

Tell us about yourself, the amount you need and your financial situation.

Start application

Review your options

We’ll review your application and explain the rate and term available to you.

Receive your funds

Accept your final terms and choose from the available funding methods.

Start my application

Prefer to talk? Call 845.452.7323

.25% Rate Discount

Explore Loan Resources

two people walking through fall leaves
Looking for the best personal loan in the Hudson Valley? TEG Federal Credit Union is here to help you take the next step with new, lower personal loan rates. As…
A young woman reviews her bills to see if she should apply for a personal loan to build credit.
Having a good credit score is critical in the age we live in. Having a low score—or no credit history—can hold you back in life. The good news is that…
A woman reviews her finances and weighs the pros and cons of personal loans to pay off credit card debt.
Buying things with credit cards is quick and easy—just swipe your card and go. But for many, the ease of making purchases causes their balances to grow to unmanageable levels.…
quote mark

My daughter and I love Sarah H.! She was helpful, so enjoyable to sit with and made the entire loan process easy. She definitely deserves a raise, bonus, or something in that area to show her work ethic is greatly appreciated. These are the kind of employees that make banking with TEGFCU worth it.

Eunice D.

quote mark

I had a really great experience with Sarah H. at the Poughkeepsie location. She was very helpful and helped me get my loan processed & approved right away. I really appreciated her efficiency and transparency throughout the whole process. Definitely would recommend her for getting your loans approved and processed smoothly without errors.

quote mark

Sarah Stropoli is nothing short of amazing. Willing to listen and actually give me a car loan, I am forever grateful. She made the impossible happen and was very supportive and understanding during the whole process. 10/10!

Sade P.

quote mark

Sarah is very professional and awesome to deal with both times I have gotten a loan from TEG. Highly recommend!

Laura B.

quote mark

Sarah Stropoli was so great in helping with financing our car. The process was easy and she was on top of all the details.

Dirce F.

quote mark

I stopped in the Modena Branch of TEG yesterday for some business matters and at that time I had spoken to Danielle Gatto about a refi on my 2018 ford f-150 XLT super crew cab, it took Danielle no time to get me an answer and approval within hours to refi my truck, very outstanding work and devotion to the customers, if possible TEG please give Danielle a bonus or award for the way she handles her job. This am we closed the refi loan, very smooth and saved me a bunch of cash from old original loan, the entire loan process was only hours and so smooth and effortless. Thank you Danielle.

John S.

quote mark

Never had a bad experience. Held multiple home mortgages and auto loans. Would recommend TEG.

Dennis C.

quote mark

I couldn’t have asked for a smoother and more professional refinance for the vehicle I just purchased! Sarah was amazingly helpful! This is why I do so much of my personal banking with TEG!

Jeff S.

quote mark

Since 2019 we’ve gotten 3 car loans from this bank. TEG was RECOMMENDED by Hudson Valley Credit Union because they said we didn’t “qualify” for a car loan. But we did with TEG!

Laura B.

quote mark

I closed a recreational loan today with Danielle and she was amazing. She communicates everything with me and gives me the small details that I wonder that they never tell you about. I think it will definitely be worth it if you would like to spend some money come in and fill out a loan application.

TC C.

quote mark

Aliesha Johnson was incredibly helpful, patient, and caring when signing up for my auto loan and updating the insurance.

James R.

quote mark

My auto loan experience with TEG was seamless, straightforward, and quick. They offered me the best rate and provided exceptional support and care throughout the process. Account and Loan Representative Sarah went above and beyond to assist me.

Charles D.

quote mark

Sarah was great to work with. She made the loan process efficient and gave us good advice.

Jennifer W.

quote mark

Very easy to get in contact with to change anything. I refinanced my car loan to get a better interest rate and lower payments. Sarah and TEG are worth every minute I spoke to them. They completed the process quickly and minimal work on my end. Highly recommend.

Brendan C.

quote mark

Huge thank you to Ajee from Commerce! I was referred directly to her from a friend as I was in a time crunch to get into a vehicle. The process was not only fast but smooth. She assured everything was ready to go in no time!

Jonathan F.

quote mark

Thank you to Jamie and Ajee for having patience in helping me with my first car loan! Everything went smooth and I learned a lot along the way.

Michael

quote mark

Tyreik B was great. Very easy experience getting a loan. No issues at all.

CJ A.

quote mark

I had an amazing experience with Christopher ! He went above and beyond considering my auto loan, and did it with much patience. He explained the process thoroughly & made it easy! (Not to mention the back and fourth with the insurance & the car dealership to get everything correct <3)

Zoe P.

quote mark

Chris is an amazing guy. He really made my loan process seamless and without stress. He truly cares about his customers. He listens to their needs and goes the extra mile to accommodate such. I couldn’t be happier with my loan process. Thank you so much Chris, I appreciate all you did for me! 

Scott D.

quote mark

I had a very good experience obtaining a car loan recently at the Commerce St. Bank. The Loan Rep was Christopher Pflaum. He was affable, explained everything, was knowledgeable and kind. He is an asset to your organization!

Andrea O.

quote mark

We have been with TEGFCU for 20 years and have been very satisfied with the services. Especially in this past week. We needed a loan and Tyreik did an awesome job seeing this all the way through!

Jennifer F.

quote mark

It’s been a long time since I’ve had to apply for a new credit card. Now that I’m no longer working full time and since I’ve been a victim of identity theft, I wasn’t sure how it would go. I feel lucky and thankful that my application was handled by Maria V in the Route 9 office. Maria was friendly, helpful, and professional. When I wasn’t happy with the amount of credit I was approved for, Maria took additional information and went back to the underwriter. Ultimately, Maria got me everything I wanted. She was a pleasure to work with. Excellent hiring, TEG!! And thank you Maria!

Wendy

quote mark

When I started teaching at John Jay HS in 1972, I got my first car loan from a founder of the CU, Herb Wittels, at his office on the front porch of his home on Rt. 52. Memories!

Steve C.

quote mark

Been using their services for years. They truly make members feel like family. From sitting down to apply for a loan, to simply depositing a check they always make an effort to ensure all customer needs are met. Thank You.

Devon C.

quote mark

The people who work here are so nice and friendly. They’ve gone above and beyond in answering my questions and helping me with my car loan and banking. Great people!

Jason R.

quote mark

Awesome customer service! Very accommodating and friendly. Obtaining the car loan through TEG was easy. I plan to use their services for my next car loan and possibly a mortgage loan in the near future.

quote mark

Super Friendly and knowledgeable staff! Fast service always.

Malorie D.

Join TEGFCU

At TEGFCU, your best interests have always been our focus. As a better alternative to banks, our mission is simple, to help you get to a better place financially.

Membership is open to anyone (and their immediate families) who lives, works, worships, or attends school in Dutchess, Orange, Ulster, Putnam, Rockland, Sullivan, and Westchester County, NY. A $5 minimum deposit opens the door to all the benefits of being a valued TEGFCU member.

Explore Our Products

Take back your time and money with this low-cost debt alternative that combines your monthly payments into one convenient bill.

Gain access to a cash line you can draw from whenever you want, taking only what you need and repaying as you go.

You are now leaving TEG Federal Credit Union

Modal called incorrectly.