Find the Best Rate for You

TEG offers competitive rates on vehicle loans, personal loans and lines of credit, mortgage loans, home equity loans, credit cards, and more.

See our loan rates below

New & Used Auto & Motorcycle Loans

Purchase or Refinance From Another Lender

 APR as low as:
Vehicle Model Years 2023-20204.74%*
Vehicle Model Years 2019-20155.74%*
Vehicle Models Older Than 20158.29%*

*APR = Annual Percentage Rate. Rates effective as of 11/3/22. Advertised rate is "as low as" and includes a .25% rate discount for automatic payments. Rate is based on credit rating, term, vehicle model year, and mileage. Your rate may vary. Other rates and terms available. Rates subject to change. All loans are subject to approval. Internal refinances and auto equity loan rates are different and are not eligible for promotional rates. For example, 36 monthly payments of $29.97 per $1,000 borrowed at 4.99%.


Boat, RV, ATV, Jet Ski, Snowmobile

Boat, RV: All Model Years – Purchases & Refinances 

Boats & RVs

TermAnnual Percentage Rates for this product are as low as stated below:
24 months5.74%*
36 months5.74%*
48 months6.74%*
60 months6.99%*
72 months7.24%*
84 months7.49%*
96 months7.99%*
108 months8.49%*
120 months8.99%*

*Rates effective as of 11/1/2022. APR = Annual Percentage Rate. Advertised rate is "as low as" and includes a .25% rate discount for automatic payments. Rate is based on credit rating, term, and LTV. Your rate may vary. Other rates and terms are available. Rates above do not reflect increases for loan-to-value adjustments when LTV is over 100% up to an allowed 110% which is subject to credit tier. Rates subject to change. All loans are subject to approval. See credit union for details.

ATV, Jet Ski, Snowmobile: All Model Years – Purchases & Refinances 

ATV, Jet Ski, & Snowmobiles

TermAnnual Percentage Rates for this product are as low as stated below:
24 Months6.24%*
36 Months7.24%*
48 Months8.24%*
60 Months9.24%*
72 Months10.24%*

*Rates effective as of 11/3/2022. APR = Annual Percentage Rate. Advertised rate is "as low as" and includes a .25% rate discount for automatic payments. Rate is based on credit rating, term, and LTV. Your rate may vary. Terms from 24 to 72 months. Rates above do not reflect increases for loan to value adjustments when loan to value is over 100% up to an allowed 110% which is subject to credit tier. Rates subject to change. All loans are subject to approval. See credit union for details.


Personal & Debt Consolidation Loans

Unsecured Personal or Debt Consolidation Loan

AmountTermAPR as low as:
Up to $30,000Up to 48 months7.74%*
Up to $30,00049 to 60 months7.99%*
Above $30,000Up to 48 months8.74%*
Above $30,00049 to 60 months9.24%*

*Rates effective as of 11/3/22. APR = Annual Percentage Rate. Advertised rate is "as low as" and includes .25% rate discount for automatic payments. Rate is based on credit rating, loan amount and the term. Your rate 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 subject to change. All loans are subject to approval. For example, a 36-month term, 7.99% fixed rate loan for $10,000 would have an estimated payment of $313.32 each month with a total cost of $11,279.21.


Cashline Line of Credit/ Wedding Loan

TermAnnual Percentage Rate
Prime Rate plus a margin based on the applicant’s credit historyVariable rate - currently as low as11.00% APR

*Rates effective as of 11/1/2022. All rates shown are “as low as” and are based on an evaluation of the applicant’s credit. Your rate may vary from rates shown. Rates are subject to change at any time without advance notice.


Share (Savings) Secured Loan

TermAnnual Percentage Rate for this product is as low as stated below:Payment Example:
Monthly payment per $1,000 borrowed
Up to 120 Months4.50%
above the prevailing share dividend rate
$18.70 for 60 month term
For example, at current savings rate of 0.10% annual percentage yield, the annual percentage rate would be 4.60% APR

*Rates effective as of 1/4/2021. All rates shown are “as low as” and are based on an evaluation of the applicant’s credit. Your rate may vary from rates shown. Rates are subject to change at any time without advance notice.


Certificate Secured Loan

TermAnnual Percentage Rate for this product is as low as stated below:Payment Example:
Monthly payment per $1,000 borrowed
Until Certificate Maturity4.50%
above the prevailing certificate dividend rate
$19.70 for 60 month term
For example, at current 60-month certificate rate of 2.27% annual percentage yield, the annual percentage rate would be 6.77% APR

*Rates effective as of 11/15/2020. All rates shown are “as low as” and are based on an evaluation of the applicant’s credit. Your rate may vary from rates shown. Rates are subject to change at any time without advance notice.


Overdraft Line of Credit

TermAnnual Percentage Rate
Prime Rate plus a margin based on the applicant’s credit historyVariable rate - currently as low as 11.75% APR

*Rates effective as of 11/3/2022. All rates shown are “as low as” and are based on an evaluation of the applicant’s credit. Your rate may vary from rates shown. Rates are subject to change at any time without advance notice.


Home Equity Line of Credit

TermAnnual Percentage Rate
(APR) As Low As²:
10 year draw with
up to 15 years to repay
Variable rate as low as 6.75% APR*

* APR=Annual Percentage Rate. Rate effective as of 11/2/2022. Variable Rate Line of Credit requires minimum initial draw of $5,000. Maximum loan amount is $250,000. Maximum repayment under this program is 15 years. The credit union will lend up to a competitive combined LTV (included outstanding first position liens against the property) based on a current appraisal or in-house property evaluation. Interest rate is tiered depending on credit history, term & LTV. Lifetime cap is 18.00% APR. Rate is subject to change monthly based on the index as of last day of prior month with no caps other than the 18% lifetime cap. The rate cannot increase or decrease more than 2 percentage points in any one-year period. Rate is rounded up to the nearest quarter of a percent. The Home Equity Line of Credit or Home Equity Loan has no closing costs unless it is paid in full within 36 months, in which case the borrower will pay $750 towards closing costs. Rates are based upon applicant’s creditworthiness, may vary from those shown and are subject to change at any time without advance notice.

Call TEGFCU at 845-452-7323 with any questions.


Home Equity Loan

TermAnnual Percentage Rates for this product are as low as stated below:Payment Example:
Monthly payment per $1,000 borrowed
0 to 5 Years6.00%A 60-month term and 80% total loan-to-value for a Home Equity Loan with a fixed rate of 6.0% APR would result in an estimated payment of $19.33 for each $1,000 financed.
6 to 10 Years6.50%A 120-month term and 80% total loan-to-value for a Home Equity Loan with a fixed rate of 6.50% APR would result in an estimated payment of $11.35 for each $1,000 financed.
11 to 15 Years6.75%A 180-month term and 80% total loan-to-value for a Home Equity Loan with a fixed rate of 6.75% APR would result in an estimated payment of $8.85 for each $1,000 financed.

* APR=Annual Percentage Rate. Rate effective as of 9/26/2022. No closing costs unless it is paid in full within 36 months, in which case the borrower will pay $750 towards closing costs.

Call TEGFCU at 845-452-7323 with any questions.


Mortgages

A variety of first mortgage terms and conditions are available.

Today's Featured Conventional Mortgage & Refinance Rates*

TermRateAPRPoints
30 Year Fixed6.500%6.554%0.000%
20 Year Fixed6.375%6.446%0.000%
15 Year Fixed6.250%6.338%0.000%

*These rate charts are as of 11/29/2022 based on a $300,000, This is based on 75 LTV, 740 FICO, $300,000 loan amount with escrows, 30 day lock. Your individual rate may vary based on loan amount, purpose, credit, LTV, lock period and other credit characteristics. Please note that mortgage interest rates may change several times a day in reaction to market movement.

Please visit our Mortgage Center


Mastercard Platinum Credit Cards

Rewards CardLow Rate Card
2.99% Introductory APR on purchases and balance transfers for the first six months, thereafter. PLUS 5,000 Bonus Points when you spend $250 in the first 90 days!3.99% Introductory APR on purchases and balance transfers for the first six months, thereafter
Variable APR currently 12.99% to 18.00% based on credit historyVariable APR currently 10.99% to 18.00% based on credit history

View Application