TEG Personal Loans: Low Rates & Trusted Credit Union in the Hudson Valley

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 member-owned credit union service the Hudson Valley, we’re dedicated to helping you achieve your financial goals with competitive rates, flexible terms, and friendly, local service.

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What is a Personal Loan and How Does it Work?

A personal loan gives you quick access to cash for almost any need, consolidating debt, funding home projects, or covering unexpected expenses. With TEG, you get a lump sum and repay it with fixed, predictable monthly payments. Enjoy peace of mind as you manage your finances.

Why Choose a TEG Personal Loan?

When you choose TEG for your personal loan, you benefit from:

Low, Fixed Rates

• Take advantage of rates as low as 8.74% APR for up to 48 months.
• Your interest rate stays the same for the entire loan term.
• One consistent monthly payment to fit your budget.

Flexible Terms

• Select repayment terms up to 60 months.
• Choose a plan that works for your needs and lifestyle.

No Hidden Fees

• No application fees or prepayment penalties, ever.
• Paying off your loan early is easy and free of extra charges.

Straightforward Application and Fast Approval

• Apply online or in-branch for your TEG personal loan.
• Quick local decisions and prompt funding so you can move forward right away.

Example: How Much Does a Personal Loan Cost?

Curious about monthly payments? If you borrow $10,000 for a 48-month term at 8.74% APR, your estimated monthly payment is just $247.62.*

What Can I Use a Personal Loan For?

People across the Hudson Valley use TEG personal loans to:

• Consolidate high-interest credit card debt into one low monthly payment
• Start home improvement projects, big or small
• Cover medical bills, auto repairs, or other unexpected expenses
• Fund a special event, dream vacation, or major purchase

The TEG Difference: Your Local Hudson Valley Credit Union

TEG does things differently. We put people first. As a member-owned, not-for-profit credit union, our focus is on your success, not profits. When you bank with TEG, you join a community where your needs come first, and your goals are our priority.

Membership is open to anyone who lives, works, worships, or attends school in Dutchess, Orange, Ulster, Putnam, Rockland, Sullivan, or Westchester County. All you need is a $5 deposit to get started.

How to Apply for a TEG Personal Loan

1. Check your eligibility – Live, work, worship, or attend school in the eligible counties.
2. Gather your information – Proof of income, identification, and loan amount you need.
3. Apply online or visit a branch – Our easy application process gets you started fast.
4. Get a quick decision – Local experts review your application promptly.
5. Receive your funds – Use your loan for whatever matters most.

Ready to Get Started?

As the leaves fall, so do our rates. Lock in your low personal loan rate today and take the next step toward your goals with a trusted Hudson Valley credit union by your side.

*Rates effective as of 9/29/2025. APR = Annual Percentage Rate. Advertised rate is the 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’s maximum of 18% APR. Rates are subject to change. All loans are subject to approval. For example, a 48-month loan with an 8.74% APR fixed rate loan for $1,000.00 would result in 48 monthly payments of $24.77.

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