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Personal Membership

Discover The TEG Difference

Enjoy the support and great service of a local credit union that provides you with the best service. Nurturing relationships. Developing solutions. Promoting growth for our members and community. We provide you with all the support you need to achieve your financial goals and the banking experience you deserve.

At TEG Federal Credit Union, we believe our people truly set us apart from other financial institutions. From our dedicated employees to our loyal members, the TEG community is built on a foundation of collaboration and growth. You’ll love experiencing the TEG Difference.

Consultation

Here, you’ll find the same products and services as big banks without the hassle and high fees. We want members for life. That’s why we work hard to provide what our competitors can’t.

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Our expert staff are neighbors who understand your dreams and work hard to help you achieve your financial goals because we are just like you.

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You will find everything you need right here with a full line of loan and deposit options, whether opening an account, applying for a loan, or just looking for some helpful advice.

Great Rates & Low Fees Icon

Get free checking and great competitive deposit and loan rates. Since we’re a not-for-profit organization, one of the benefits of membership is that we keep our fees low.

Convenient Banking Icon

With multiple ways to bank, you can access your money the way you want it, when you want it, on your mobile device, online, in person, or at an ATM.

Social Security Number / Individual Taxpayer Identification Number*

Unexpired U.S. Government Issued Identification (Driver’s License, State ID, or Passport)*

Your complete physical and mailing address*

Co-borrower or joint account holder information (if applicable)

Deposit $5 into your new Share Savings account

Why is it called a ‘share’ account? That $5 represents your ownership share in the Credit Union because once you become a TEGFCU member, you also become an owner.

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Federal law requires all financial institutions to obtain, verify, and record information identifying each person who opens an account to help the government fight the funding of terrorism and money laundering activities.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver’s license or other identifying documents.

TEGFCU offers a safe place to save money, with deposits insured by the National Credit Union Administration (NCUA) up to $250,000 per individual depositor. The full faith and credit of the United States backs the Share Insurance Fund.

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Maria and Cansu were super helpful and professional. They made sure everything was set up correctly. Thanks for the friendly service.

Max B.

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Helped me tremendously with my credit! I was so disappointed in myself, but there was never any judgement and there was always a plan that they stuck by me with. Love my credit union!

Kristane A.

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For the last dozen or more years we have been thankful for the services of the professional-yet-friendly TEG team. For the last five years we have received those services from our home over 1,000 miles away from TEG. Today’s phone meeting with Solution Center Representative Amy Ramada confirms for us why we have stayed with TEG for some of our long-distance banking. Amy was extremely proficient in her knowledge and actions, professional in her demeanor, and very personable in her interactions with us. She patiently walked through various procedures online with me so that I understood and accomplished my goals, and she offered further suggestions for bank actions that would benefit us as customers. Amy then followed up with us to confirm that the actions with completed. Amy Ramada exemplifies the professional, and personable qualities of TEG. Keep up the great work, Amy and TEG!

Donna R.

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It’s a branch new branch in a convenient location. The staff is friendly and helpful. TEG offers competitive rates and a thorough selection of banking products. Both my wife and daughter have also recently become members. I’ve been a long-time customer of another credit union in the Hudson Valley, and I seem to be slowly moving all of my banking activity to TEG. Stop in and see them!

Richard E.

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Danielle was AWESOME … fast and friendly

William M.

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Caroline was extremely friendly with an inviting smile! Great service!!

Joseph D.

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I talked to Jack on the phone and he was awesome. He answered all my questions and was positive; I appreciate that!

Lena A.

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I had the BEST experience with the new Modena Branch ladies, Krissy and Skye. They are phenomenal and listened to my concerns and addressed them immediately. Kudos ladies, thanks for your help!!

Stephanie M.

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Tyreik was a pleasure to work with. Setting up an account and online banking was a breeze. Thanks TEG!

Taylor M.

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Ajee has gone above and beyond for me for about 3 years now! Everything I’ve needed to do, she’s helped me get it done in the same day. Highly recommend!

Jillian R.

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Outstanding support for various issues! Ajee was professional, friendly, knowledgeable, and answered questions. Took care of all concerns over a period of weeks.

Charlotte G.

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Very professional. Fixed my account issues and answered all of my questions.

Ashley J.

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Today I had a wonderful experience at the TEGFCU branch at North Plank. Marie and Eric were a delight to work with and handling my issues flawlessly. Marie helped me resolve a loan issue and got me up and running with their mobile app. Eric was attentive and addressed the rush of customers that came into the branch so Marie could focus on my issue. Thank you guys so much.

Ulises M.

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Aliesha is very welcoming and informative. It was a very pleasant experience opening my account with TEG. I was given all options and informed about opportunities I currently have and would gain over my time with TEG. Aliesha will also go over your credit report and how you could improve.

Zaire P.

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My dealings with TEGFCU have been outstanding. My representative Heidi Stromberg always handles my needs quickly and efficiently. Heidi goes above and beyond to make my dealings as easy as possible.

Joe G.

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I’ve been a member at TEG for years. Every time I go employees are so friendly and helpful. I never had a bad experience. Keep up the great job.

Marcus W.

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I recently opened an account in Middletown with Aliesha and I was very impressed with the staff at the bank and how clean it is. Great customer service!

River Valley Home Inspection of Lower NY LLC

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Very helpful and friendly thank you for great service.

Brian C.

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Service was wonderful.

Sanita B.

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Zach is the best

Michael R.

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For approximately two years, I have been a customer of TEG Federal Credit Union. Initially, I was unfamiliar with this institution, unlike larger banks such as Chase or Bank of America. Meeting Danielle Gatto changed my perception of banks entirely. In the past, I have interacted with numerous financial institutions, but Danielle Gatto made the process efficient and simple. She made me feel valued and always addressed my financial inquiries promptly. Danielle was transparent about potential outcomes and provided strategies to improve my financial situation in the future. I have no plans to switch to another financial institution after meeting her. I will continue to work with Danielle Gatto, as she is exceptional. I highly recommend speaking to Danielle for current prospective clients of TEG due to her expertise and excellent customer service. This feedback on Danielle is intended for those seeking a reliable individual.

Alberto V.

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Very classy and mature individuals.

Willie C.

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Ajee was very helpful as usual, great service, always a pleasure to work with.

Tazjaa L.

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Deo was able to help with a situation that involved an alternate financial institution. Deo was patient and understanding and went above and beyond to help me with my TEG account and the alternate account. I couldn’t have done it without him!! Thank you TEG and Deo and all staff at the Beekman Branch!

James D.

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Always pleasant when dealing with the employees. I would highly recommend TEG for your banking needs.

Chris C.

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Very nice people!

Paul M.

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My experience today was AWESOME. Nykia was patient, experienced, very informative and vivacious.

Veronica F.

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This branch has never disappointed me or my wife. This time I was writing Tyreik Brown about a loan I was approved for. Tyreik went above and beyond because originally I was approved for a loan and wanted 48 months but they gave me 36 months. I told Tyreik I woukd’ve jumped at the 48 but instead of him just being like take it or leave it he calls me back shortly and tells me he got me 42 months which I was fine with. After seeing how much work he put in for me and my wife we decided to go with it this morning all through email which every reply back was very fast. They had me and my wife docusign online while we both were at our jobs and then I had to send all my statements that I got online. He already wrote back to me that all checks are already in the mail! This branch definitely is A+++ for customer service. I also want to say how great his coworker Maria was while he was out one day as well, and the tellers are always friendly as well! Great job TEG!!!

Rich J.

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Tyreik made opening an account smooth and easy and it was done within minutes.

Karl M.

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I’m a long time satisfied customer. Today I needed a paper notarized. Done seamlessly!

Kathryn S.

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Fantastic financial institution. I’ve been a member for 8+ years and everytime I need something they are there to help with a smile.

Lenore B.

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Everyone at the Newburgh TEG branch was exceptionally friendly and helpful! James was particularly patient with all of my questions and transaction!! TEG has been my Choice of Banks since 1988 and will continue to be!! Thanks for all you do!!

Melanie T.

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Ajee was wonderful. She was so patient and kind.

Marsha E.

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James Robbins provided excellent service. He was professional, personal, informative, knowledgeable, and efficient.

Heather B.

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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.

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Chris was awesome. He was friendly, very helpful and informative and went beyond to help me with what I needed. He’s a special man and is a true asset to your establishment. It was a pleasure to come to your bank.

Gina O.

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I had an excellent experience. I had the pleasure to have worked with Stefany H in the Middletown office. I was very nervous and explained to her my situation. Stefany was an excellent listener, with her responses I knew she understood and had extreme empathy. When she said I’m going to help you, I believed her and she fulfilled her word. You have an excellent employee. I am so greatful to her. She made a difference in my current and future situation.

Nelly B.

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Excellent customer service. The new TEG banking app is awesome. Convenient, easy to use and a great way to manage and move our money.

Rich G.

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Being new to the country, I had countless questions, and Maria V exemplified exceptional patience and customer service. She made me feel like family and not just another TEG customer. Every concern I had was addressed with clarity and precision, leaving me confident in my next steps. Keep up the good work Maria and thanks for making my first TEG encounter such a memorable and pleasant experience. 

Francois B.

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Ajee was super helpful Super !

Isaiah

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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.

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I have been with TEGFCU for over thirty years, they have always been friendly, helpful and professional!

Sam B.

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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.

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My fiance and I found ourselves in a time sensitive situation. We contacted TEG and Maria V. was our loan representative. She was so understanding of our issue and went above and beyond to make sure everything went smoothly … even stayed after work hours when we were running late! Great customer service, very knowledgeable and thorough … overall awesome person will be looking forward to doing business with her in future.

Angela

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Commerce branch is the best branch. Always the most helpful. Looking to see TEG out in the community more at events! Love to bank here and have been a member for years!

Natalie C.

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A special thanks to Maria Villafuerte for her amazing customer service and professional assistance. She is very good at what she does and really helped us with our financial situation. Thanks again Maria!

Francesco B.

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Very friendly, and informative was helpful!

Agustin R.

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The nicest people I ever dealt with..Marissa I hope I spelled it correctly. She is fantastic I wish there were more people like her in this world…

John

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I am old school and the girls helped me to get the app and installed it for me. They are pleasantand polite. Any questions or problems they are there to fix my mess. LOL. THX

Francine Z.

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I have had nothing but good service with them. I used to use bank of America I’m am so glad I switched. Hours are convenient and they are close to were I live.

David L.

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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.

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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.

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Super Friendly and knowledgeable staff! Fast service always.

Malorie D.

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These people treat you like family always. They make sure that you are good before you leave.

William A.

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Love everything about this bank. Stephany, Tamara and the rest of the staff are caring, considerate and lovely human beings. I highly recommend this branch to anyone who misses the old days of personalized banking and the staff knowing your name when you walk in the door.

Barbara R.

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Get expert professional guidance, financing, and services to help your business thrive—with a local credit union’s attentive, personalized service.

  • Business loans at competitive rates
  • Business credit cards with rewards
  • Business checking and savings accounts

Membership FAQs

I’m under the age of 18. Can I join the credit union?

Yes. Minors can have their own individual savings (share) account. Custodial accounts for minors are available. Learn more.

What’s the difference between a bank and a credit union?

A bank is a for-profit organization that reports to shareholders. Banks hold deposits, make loans, pay checks, and provide other related services for the public. They collect funds from three sources: demand, savings, and time deposits; short-term borrowings from other banks; and equity capital.

A credit union is a not-for-profit financial cooperative owned by its members. Credit unions hold deposits, make loans, pay checks, and provide other consumer banking services to individuals sharing a common bond or affiliation (in our case — those who live, work, worship, or attend school in Dutchess, Orange, or Ulster County). Because credit unions operate as not-for-profit institutions, they are exempt from both federal and local taxes. A credit union gets its operating funds from shares purchased by individual owners who are members. It also pays dividends (representing the payment of interest) out of earnings.

What does TEGFCU stand for?

When it was first started back in 1969, TEG FCU stood for Taconic Educational and Governmental Federal Credit Union to designate its field of membership. As the years went on and the credit union became community chartered and simply became TEG Federal Credit Union to signify the new community charter.

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.

Please note: Our online application is only for U.S. Citizens and Permanent Residents over the age of 18. Anyone else interested in membership can contact us for assistance in opening an account.

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