Locations & Hours   |   ATMs

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

New & Used Auto & Motorcycle Loans

All Model Years – Purchase or Refinance From Another Lender

Term Annual Percentage Rates for this product are as low as stated below: Payment Examples:
Monthly payment per $1,000 borrowed
Up to 36 Months 2.49%* $28.86
48 Months 2.49%* $21.91
60 Months 3.24%* $18.08
72 Months 3.59%* $15.47
84 Months 3.99%* $13.67

 

*Rates effective as of 12/1/15. 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. Different rates apply to internal refinances and auto equity loans – see credit union for details.

Other Vehicle Loans – Boat, RV, Jet Ski, ATV

All Model Years – Purchases, Refinances & Equity

Term Annual Percentage Rate for this product is as low as stated below: Payment Examples:
Monthly payment per $1,000 borrowed
up to 120 Months 6.50%* $30.65 (36 Month Term)
$19.57 (60 Month Term)
$11.36 (120 Month Term)

 

*Rates effective as of 10/1/15. 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. See credit union for details.

Personal & Debt Consolidation Loans

Unsecured Personal or Debt Consolidation Loan

Term Annual Percentage Rate for
this product is as low as stated below:
Payment Example:
Monthly payment per $1,000 borrowed
Up to 60 Months 9.25%* $20.88

*Rates effective as of 10/1/15. 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. 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. See credit union for details.

Cashline Line of Credit / Wedding Loan

Term Annual Percentage Rate
Prime Rate plus a margin based on the applicant’s credit history Variable rate - currently as low as 8.25% APR

*Rates effective as of 12/16/15. 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

Term Annual Percentage Rate for this product is as low as stated below: Payment Example:
Monthly payment per $1,000 borrowed
Up to 120 Months 3.50%
above the prevailing share dividend rate
$18.24 for 60 month term
For example, at current savings rate of 0.10% annual percentage yield, the annual percentage rate would be 3.60% APR

*Rates effective as of 12/16/15. 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

Term Annual Percentage Rate for this product is as low as stated below: Payment Example:
Monthly payment per $1,000 borrowed
Until Certificate Maturity 3.50%
above the prevailing certificate dividend rate
$18.95 for 60 month term
For example, at current 60-month certificate rate of 1.66% annual percentage yield, the annual percentage rate would be 5.16% APR

*Rates effective as of 12/16/15. 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

Term Annual Percentage Rate
Prime Rate plus a margin based on the applicant’s credit history Variable rate - currently as low as 8.25% APR

*Rates effective as of 12/16/15. 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

Term Annual Percentage Rate
(APR) As Low As²:
5 year draw with
up to 15 years to repay
Variable rate as low as 3.25% APR*

* APR=Annual Percentage Rate.  Rate effective as of 12/16/15. 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 100% 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 quarterly on the first day of January, April, July, and October, and is based on the Prime Rate as published in The Wall Street Journal 30 days before the date of the annual percentage rate change. 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 Variable Rate Home Equity Line of Credit has no closing costs unless it is paid in full within 36 months, in which case the borrower will pay $500 towards closing costs if the loan is $100,000 or less and $750 if the loan is $100,000.01 or more. In the case where a home equity loan serves as a second mortgage in conjunction with a first mortgage purchase through TEG, closing costs will apply. Appraisal fee (currently $325.00 for a single family home and $475.00 for a multi-family home) will be collected upfront and refunded at the time of loan closing. If loan does not close, appraisal fee will not be refunded. Rates are based upon applicant’s creditworthiness, may vary from those shown and are subject to change at any time without advance notice. Borrower is responsible for homeowners insurance and flood insurance.

Call TEG FCU at 845-452-7323 with any questions.

Mortgages

A variety of first mortgage terms and conditions are available. Please Click here for current rates.

MasterCard® Platinum Credit Cards

Rewards Card Low 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 10.24% to 17.99% based on credit history Variable APR currently 8.24% to 17.99% based on credit history

View Application & Solicitation Disclosure

Search
X