Personal loans for what matters
Cover planned purchases, unexpected expenses and everything in between with an unsecured personal loan.
Fixed rate
Predictable monthly payments
Flexible terms
Up to 60 months
Loan amounts
$500–$30,000+
No application fee
No prepayment penalties
Why choose a TEG personal loan?
- Competitive personal loan rates
- Unsecured—no collateral required
- Receive your funds in one lump sum
- Fixed monthly repayment schedule
- Fast and convenient application process
APR
Personal Loans Offer Flexibility
Get the money you need when you need it!
Many Personal Loans are small loans that can help you finance many purchases or expenses, allowing you a degree of financial flexibility. A Personal Loan can be a great option for:
Personal Loan Rates
TEGFCU is one of the few local lenders that offers loans over $30,000. However, the exact amount borrowers can qualify for depends on overall creditworthiness. Apply today or speak to a loan officer to learn more.
| Term | Amount | APR as low as |
|---|---|---|
| Up To 48 Months | Up to $30,000 | 8.74% |
| 49 to 60 Months | Up to $30,000 | 10.74% |
| Up to 48 Months | Above $30,000 | 10.99% |
| 49 to 60 Months | Above $30,000 | 11.49% |
Rates effective as of 10/1/26. APR = Annual Percentage Rate. Advertised rate is 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 maximum of 18% APR. Rates are subject to change. All loans are subject to approval. For example, a 48-month loan with a 8.74% APR fixed rate loan for $1,000.00 would result in 48 monthly payments of $24.77.
Plan with confidence
What could your payment look like?
Adjust the amount, estimated APR and term to explore a monthly payment that may fit your budget.
- See your estimated monthly payment
- Understand estimated total interest
- Apply when you feel ready
Enter an estimated APR from the rates shown above.
Estimated monthly payment
$244.08
For educational purposes only. Your approved rate, payment and terms may differ. This is not a loan offer. All loans are subject to approval.
A simple application
How do you apply?
Apply securely online
Tell us about yourself, the amount you need and your financial situation.
Start applicationReview your options
We’ll review your application and explain the rate and term available to you.
Receive your funds
Accept your final terms and choose from the available funding methods.
Prefer to talk? Call 845.452.7323
Get a 0.25% Interest Rate Discount
In addition to a great rate, save even more on your Unsecured Personal Loan and Vehicle Loan when you set up automatic payments. Get a 0.25% interest rate discount on your loan when your loan payment is routinely deducted from your checking or savings account.*
Explore Loan Resources
Chris is an amazing guy. He really made my loan process seamless and without stress. He truly cares about his customers. He listens to their needs and goes the extra mile to accommodate such. I couldn’t be happier with my loan process. Thank you so much Chris, I appreciate all you did for me!
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.
When we come together, everyone grows.
Explore Our Products
Debt Consolidation Loan
Take back your time and money with this low-cost debt alternative that combines your monthly payments into one convenient bill.
Personal Line of Credit
Gain access to a cash line you can draw from whenever you want, taking only what you need and repaying as you go.
