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 2023-20192.74%*
Vehicle Model Years 2018-20143.59%*
Vehicle Models Older Than 20145.89%*

*Rates effective as of 7/1/2022. Annual Percentage Rates (APR) shown are “as low as” and are based on an evaluation of the applicant’s credit, term of loan and loan-to-value ratio. Your rate may vary from rates shown. Other rates and terms available. Rates are subject to change at any time. The stated rate is discounted by .25% and includes a requirement that loan payments are automatically transferred from your account for the life of the loan. Internal refinances and auto equity loans rates are different and are not eligible for promotional rates.


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 months7.74%*
96 months7.99%*
108 months8.49%*

*Rates effective as of 7/1/2022. All rates shown are “as low as” and are based on an evaluation of the applicant’s credit, term of loan and loan-to-value ratio. Your rate may vary from rates shown. Rates are subject to change at any time without advance notice. Promotional rates do not apply to auto equity loans. The stated rate is discounted by .25% and includes a requirement that loan payments are automatically transferred from your savings, checking, or money market account for the life of the loan. Terms of 72 and 84 months available for vehicle model years 2007 and newer. 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. 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 7/1/2022. All rates shown are “as low as” and are based on an evaluation of the applicant’s credit, term of loan and loan-to-value ratio. Your rate may vary from rates shown. Rates are subject to change at any time without advance notice. Promotional rates do not apply to auto equity loans. The stated rate is discounted by .25% and includes a requirement that loan payments are automatically transferred from your savings, checking, or money market account for the life of the loan. Terms of 72 and 84 months available for vehicle model years 2007 and newer. 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. 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 months5.74%*
Up to $30,00049 to 60 months5.99%*
Above $30,000Up to 48 months6.74%*
Above $30,00049 to 60 months7.24%*

*Rates effective as of 7/1/2022. Annual Percentage Rate (APR) advertised “as low as”. Your rate may vary based on credit worthiness and loan term. The maximum APR is 18%. Rates are subject to change at any time without advance notice. The stated rate is discounted by .25% and includes a requirement that loan payments are automatically transferred from your account for the life of the loan. Terms from 3 months to 60 months. Borrowers may request shorter terms, if desired. An additional .50% will be added to APR for each $5000 incremental increase over $30,000. For example, $10,000 loan for 36 months at 6.55% APR has a total cost of $11,043.90 over the full term.


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 as10.25% APR

*Rates effective as of 7/28/2022. 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 10.25% APR

*Rates effective as of 7/28/2022. 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 5.25% APR*


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 Years4.75%A 60-month term and 80% total loan-to-value for a Home Equity Loan with a fixed rate of 5.25% APR would result in an estimated payment of $18.99 for each $1,000 financed.
6 to 10 Years5.00%A 120-month term and 80% total loan-to-value for a Home Equity Loan with a fixed rate of 6.00% APR would result in an estimated payment of $11.11 for each $1,000 financed.
11 to 15 Years5.75%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 $8.86 for each $1,000 financed.

*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 Fixed5.375%5.424%0.000%
20 Year Fixed5.000%5.064%0.000%
15 Year Fixed4.750%4.830%0.000%

*These rate charts are as of 8/12/2022 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 11.49% to 18.00% based on credit historyVariable APR currently 9.49% to 18.00% based on credit history

View Application