Loan Products
We have a variety of loans available to meet your specific borrowing needs. Whether it's making home improvements, buying your dream house, financing an education, or purchasing your next vehicle, our competitive rates and flexible repayment terms can help stretch the purchasing power of your hard earned dollar.
Home Equity Financing
Use your home's equity without selling your home! How? Our Fixed Rate Home Equity Loan or Variable Rate Line of Credit can let you tap the cash reserve in your home and use the money to finance home improvements, education, or perhaps a much needed vacation. To apply for Home Equity financing, call us at 845-452-7323 or stop in to any branch for an application.
- $5,000 Minimum Loan Amount
- Variable and Fixed Rates Available
- No Application Fee
- No Closing Costs* (depending on the program you choose)
- No Points
- Programs Available to Borrow up to 80% of Your Home's Value
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Mortgages
At TEG, you're sure to find a loan that meets your needs at a great low rates that you can afford such as Conventional (Fannie Mae or Freddie Mac), Government (FHA or VA), Investment Property and New Construction mortgage loans. Financing your dream home or refinancing your existing home has never been easier! Here are some of the benefits of financing your Mortgage with us:
- NO APPLICATION FEE!
- Free Mortgage Consultation
- Quick & Easy Pre-Approvals
- Fixed and Variable Options
- Up To 100% Financing
- Up To 40 Year Terms
- No Down Payment Options
- Competitive Closing Costs
- Online Payments
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Mobile Home Financing
TEG has partnered with First Credit Corporation to offer Mobile Home Financing with the following terms:
- Mobile Home Parks only, no private or rented land
- Terms up to 20 years
- 24 hour credit decision
- No prepayment penalty
- Long-term financing with low monthly payments
- Homeowner's Insurance packages
To apply, stop in at any Branch for an application or call First Credit Corporation at 1-800-562-6036 and let them know that you are a member of TEG.
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Vehicle Loans
Get preapproved before you go shopping. Whether it is a new or used car, truck, motorcycle, RV, jetski, snowmobile, etc., we can provide you with competitive rates and terms up to 84 months, fast pre-approval, and payments to fit your budget.
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For Financing right at the dealership, View Participating Auto Dealers
Visa® Credit Cards
We offer a variety of credit cards* to meet your needs. Become a card member and enjoy a wide range of benefits including competitive introductory rates and your choice of rewards programs. Learn More & Apply Online
Online account access provides the quickest and easiest way to:
- Activate your credit card
- Make payments
- Transfer balances
- Request limit increases
- View Statements
- And much more
Once you receive your credit card, simply Access Your Account.
*Credit cards issued by InfiBank, N.A.
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Personal Loans
This loan is one of our most popular and most flexible loans because it can be used to fund almost any need, you name it! All we need is your signature and good credit.
- Debt Consolidation
- Student Loans
- Computer Loans
- Holiday Loans
- Vacation Loans
- Appliance/Furniture Loans
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Overdraft Protection Line of Credit
In case of accidental NSF (non-sufficient funds) checks, you will be covered with an Overdraft Protection Loan. Once you are approved, your line remains available indefinitely unless you request it be removed and it is free if it is not used. You pay interest only on the amount that was used to cover your account, until you pay back the overdrawn amount.
- Line available up to $1,000
- Payments due on 25th of month
- Payments based on 2.4% of outstanding balance
- Variable Interest Rate
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Share Secured Loans
You can make money and spend it too with a Share Secured Loan. If you are considering withdrawing money from your Share Account to fund a purchase, think again. Why not borrow the money you need against your Share Account. You will get a great interest rate. Plus, you can borrow up to 120 months, and your money stays in your account earning interest.
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Certificate Secured Loans
With a share certificate loan, your loan is secured by the funds in your certificate account. Your share certificate will also continue to earn dividends.
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Loan Protection
Loan payment protection is available through your credit union for a minimal cost. When applying for a loan, consider credit life and credit disability insurance. "When you can't make your payments, who will?"
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Loan Applications
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