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TEG Federal Credit Union

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TEG Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at TEG Federal Credit Union?

Current rates for TEG Federal Credit Union include: 12-Month CD: 4.05%, 24-Month CD: 4.15%, 60-Month CD: 3.00%, Savings: 0.05%, MMA: 0.50%

Q: What CD terms does TEG Federal Credit Union offer?

TEG Federal Credit Union CD rates are 4.05% APY for a 12 month CD, 4.15% APY for a 2 year CD, 4.35% APY for a 3 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with TEG Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

TEG Federal Credit Union's 36-Month CD rates are at 4.35%, CD - 36 month rates are at 4.35%, 24-Month CD rates are at 4.15%, CD - 24 month rates are at 4.15%, 12-Month CD rates are at 4.05%. TEG Federal Credit Union's savings rates are at 0.05%. TEG Federal Credit Union's money market rates are at 0.50%. TEG Federal Credit Union's 5/6 SOFR ARM rates are at 6.00%, Adjustable-Rate Mortgage - 5/6 SOFR ARM rates are at 6.00%, 7/6 SOFR ARM rates are at 6.25%, Adjustable-Rate Mortgage - 7/6 SOFR ARM rates are at 6.25%, Conventional Mortgage - 15 Year Fixed rates are at 6.62%. TEG Federal Credit Union's Personal Loan Rates are as low as 8.74%. TEG Federal Credit Union's Credit Card Rates are at 13.74%. TEG Federal Credit Union's CD rates are 15% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of TEG Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.23%. Rates last updated and verified on 10/30/2026.

TEG Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at TEG Federal Credit Union? Share your experience about TEG Federal Credit Union by leaving a review below, or read customer reviews before you decide to use TEG Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.23%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

TEG Federal Credit Union
TEG FCU

1 Commerce St
Poughkeepsie, NY 12603

http://tegfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

TEG Federal Credit Union CD Rates

Product	Rate	APY	Term
36 Month Share & IRA Certificates	4.27%	4.35%	36 months
Min Deposit $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05% Oct 1, 20264.35%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
36-Month Certificate	-	4.35%	36 months
Min Deposit $500 Details Featured certificate rate; Rates as of 10/1/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05% Oct 6, 20264.35%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Share Certificate - 36 month	4.27%	4.35%	36 months
Min Deposit $500 Min Balance $500 Details Dividends paid monthly; Rates as of 10/1/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05% Oct 1, 20264.35%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
24 Month Share & IRA Certificates	4.07%	4.15%	24 months
Min Deposit $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05% Oct 1, 20264.15%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
24-Month Certificate	-	4.15%	24 months
Min Deposit $500 Details Featured certificate rate; Rates as of 10/1/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05% Oct 6, 20264.15%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Share Certificate - 24 month	4.07%	4.15%	24 months
Min Deposit $500 Min Balance $500 Details Dividends paid monthly; Rates as of 10/1/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05% Oct 1, 20264.15%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
12 Month Share & IRA Certificates	3.98%	4.05%	12 months
Min Deposit $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95% Oct 1, 20264.05%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
12-Month Certificate	-	4.05%	12 months
Min Deposit $500 Details Featured certificate rate; Rates as of 10/1/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95% Oct 6, 20264.05%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Share Certificate - 12 month	3.98%	4.05%	12 months
Min Deposit $500 Min Balance $500 Details Dividends paid monthly; Rates as of 10/1/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95% Oct 1, 20264.05%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
6 Month Share & IRA Certificates	3.88%	3.95%	6 months
Min Deposit $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 3.95% ▲ 1.20 pts · high 3.95% / low 2.75% Oct 1, 20263.95%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Share Certificate - 6 month	3.88%	3.95%	6 months
Min Deposit $500 Min Balance $500 Details Dividends paid monthly; Rates as of 10/1/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 3.95% ▲ 1.20 pts · high 3.95% / low 2.75% Oct 1, 20263.95%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
48 Month Share & IRA Certificates	2.96%	3.00%	48 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
60 Month Share & IRA Certificates	2.96%	3.00%	60 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Share Certificate - 48 month	2.96%	3.00%	48 months
Min Deposit $500 Min Balance $500 Details Dividends paid monthly; Rates as of 10/1/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Share Certificate - 60 month	2.96%	3.00%	60 months
Min Deposit $500 Min Balance $500 Details Dividends paid monthly; Rates as of 10/1/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
3 Month Share & IRA Certificates	0.55%	0.55%	3 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Share Certificate - 3 month	0.55%	0.55%	3 months
Min Deposit $500 Min Balance $500 Details Dividends paid monthly; Rates as of 10/1/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

TEG Federal Credit Union Savings Rates

Product	Rate	APY
Custodial Savings	0.05%	0.05%
Min Deposit $0 Min Balance $100 Details Balance: $100 daily minimum; Rates as of 6/1/26 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Holiday Club	0.05%	0.05%
Min Deposit $0 Min Balance $100 Details Balance: $100 daily minimum; Payout occurs in October; Rates as of 6/1/26 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Primary Share Accounts	0.05%	0.05%
Min Balance $100 Details Balance: $100 daily minimum; Dividends declared on the last day of the month; Fees may reduce earnings; A $5 minimum share account balance is required for TEGFCU membership Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Special Savings	0.05%	0.05%
Min Deposit $0 Min Balance $100 Details Balance: $100; Minimum to open account is $0.00; Rates as of 6/1/26; Dividends declared on the last day of the month; Fees may reduce earnings Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

TEG Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	0.50%	0.50%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and over; Dividends compounded and declared on the last day of the month; Maximum of 6 withdrawals/transfers per month Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Money Market Accounts	0.25%	0.25%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Dividends compounded and declared on the last day of the month; Maximum of 6 withdrawals/transfers per month Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Money Market Accounts	0.15%	0.15%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000-$49,999.99; Dividends compounded and declared on the last day of the month; Maximum of 6 withdrawals/transfers per month Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

TEG Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	0.50%	0.50%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and over; Rates as of 6/1/26 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Business Money Market	0.25%	0.25%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Rates as of 6/1/26 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Business Money Market	0.15%	0.15%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00-$49,999.99; Rates as of 6/1/26 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

TEG Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/6 SOFR ARM	6.00%	0.625%	6.49%
Details First Cap: +/- 2.00%; Subsequent Cap: +/- 1.00%; Lifetime Cap: +/- 5.00%; Fixed for first 5 years, then adjusts every six months; Effective 10/29/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.48% → 6.49% ▲ 0.02 pts · high 6.49% / low 6.48% Oct 30, 20266.49%▲ from 6.48% Oct 19, 20266.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Adjustable-Rate Mortgage - 5/6 SOFR ARM	6.00%	0.625%	6.49%
Details Fixed for first 5 years, then adjusts bi-annually; First Cap: +/- 2.00%; Subsequent Cap: +/- 1.00%; Lifetime Cap: +/- 5.00%; Rates effective as of 10/29/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.48% → 6.49% ▲ 0.02 pts · high 6.49% / low 6.48% Oct 30, 20266.49%▲ from 6.48% Oct 19, 20266.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
7/6 SOFR ARM	6.25%	0.625%	6.545%
Details First Cap: +/- 5.00%; Subsequent Cap: +/- 1.00%; Lifetime Cap: +/- 5.00%; Fixed for first 7 years, then adjusts every six months; Effective 10/29/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.67% → 6.55% ▼ 0.13 pts · high 6.67% / low 6.55% Oct 30, 20266.55%▼ from 6.67% Oct 19, 20266.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Adjustable-Rate Mortgage - 7/6 SOFR ARM	6.25%	0.625%	6.545%
Details Fixed for first 7 years, then adjusts bi-annually; First Cap: +/- 5.00%; Subsequent Cap: +/- 1.00%; Lifetime Cap: +/- 5.00%; Rates effective as of 10/29/2026 Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 6.67% → 6.55% ▼ 0.13 pts · high 6.67% / low 6.55% Oct 30, 20266.55%▼ from 6.67% Oct 19, 20266.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Conventional Mortgage - 15 Year Fixed	6.625%	1.000%	6.877%	15 years
Details Rates effective as of 10/29/2026; APR assumes $300,000 loan, FICO 760+, owner-occupied single-family in NY, LTV 80% or less Last Updated 10/30/2026 Rate History 2 changes since Oct 14, 2026 · 7.23% → 6.88% ▼ 0.35 pts · high 7.23% / low 6.88% Oct 30, 20266.88%▼ from 7.00% Oct 19, 20267.00%▼ from 7.23% Oct 14, 20267.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Conventional Mortgage - 20 Year Fixed	7.00%	0.875%	7.189%	20 years
Details Rates effective as of 10/29/2026; APR assumes $300,000 loan, FICO 760+, owner-occupied single-family in NY, LTV 80% or less Last Updated 10/30/2026 Rate History 2 changes since Oct 14, 2026 · 7.44% → 7.19% ▼ 0.25 pts · high 7.44% / low 7.19% Oct 30, 20267.19%▼ from 7.33% Oct 19, 20267.33%▼ from 7.44% Oct 14, 20267.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Conventional Mortgage - 30 Year Fixed	7.125%	0.625%	7.246%	30 years
Details Rates effective as of 10/29/2026; APR assumes $300,000 loan, FICO 760+, owner-occupied single-family in NY, LTV 80% or less Last Updated 10/30/2026 Rate History 2 changes since Oct 14, 2026 · 7.53% → 7.25% ▼ 0.29 pts · high 7.53% / low 7.25% Oct 30, 20267.25%▼ from 7.41% Oct 19, 20267.41%▼ from 7.53% Oct 14, 20267.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

TEG Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	-	-	6.50%	0 to 5 Years
Details As Low As; Fixed for the duration of the loan; Loan amount $25,000 minimum to $250,000 maximum; no closing costs; $750 closing cost recapture if paid in full within 36 months Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Home Equity Line of Credit	-	-	6.75%	10 year
Details Term: 10 year draw with up to 15 years to repay; As Low As; Variable APR; Maximum APR 18.00%; Prime Rate plus margin (Prime Rate 7.00% as of 9/16/2026); Minimum credit line $25,000; Initial advance $5,000 Last Updated 10/30/2026 Rate History 1 change since Oct 1, 2026 · 7.00% → 6.75% ▼ 0.25 pts · high 7.00% / low 6.75% Oct 6, 20266.75%▼ from 7.00% Oct 1, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Home Equity Loans	-	-	7.00%	6 to 10 Years
Details As Low As; Fixed for the duration of the loan; Loan amount $25,000 minimum to $250,000 maximum; no closing costs; $750 closing cost recapture if paid in full within 36 months Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Home Equity Loans	-	-	7.25%	11 to 15 Years
Details As Low As; Fixed for the duration of the loan; Loan amount $25,000 minimum to $250,000 maximum; no closing costs; $750 closing cost recapture if paid in full within 36 months Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

TEG Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New & Used Auto Loans - New Cars 2026-2025	-	-	5.54%
Details As Low As; Vehicle Age: New Cars 2026-2025; Rates effective as of 10/13/2026; Maximum term is 84 months Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.54% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
New Auto Loans	-	-	5.54%
Details As Low As; Popular rates at a glance; Advertised rate includes .25% rate discount for automatic payments Last Updated 10/30/2026 Rate History 2 changes since Sep 22, 2026 · 4.74% → 5.54% ▲ 0.80 pts · high 5.54% / low 4.74% Oct 14, 20265.54%▲ from 4.99% Oct 6, 20264.99%▲ from 4.74% Sep 22, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
New & Used Auto Loans - Vehicle Model Years 2025-2024	-	-	5.65%
Details As Low As; Vehicle Age: Vehicle Model Years 2025-2024; Rates effective as of 10/13/2026; Maximum term is 84 months Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.65% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
New & Used Auto Loans - Vehicle Model Years 2023-2019	-	-	6.15%
Details As Low As; Vehicle Age: Vehicle Model Years 2023-2019; Rates effective as of 10/13/2026; Maximum term is 84 months Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.15% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
New & Used Auto Loans - Vehicle Model Years 2018 and Older	-	-	7.65%
Details As Low As; Vehicle Age: Vehicle Model Years 2018 and Older; Rates effective as of 10/13/2026; Maximum term for vehicles older than 10 model years is 60 months Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.65% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

TEG Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats & RVs Loan	-	7.49%	24 months
Details As Low As; Rates effective as of 4/27/26; APR based on creditworthiness, term, and LTV; Maximum APR is 18%; Terms 24 to 120 months Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Boats & RVs Loan	-	7.49%	36 months
Details As Low As; Rates effective as of 4/27/26; APR based on creditworthiness, term, and LTV; Maximum APR is 18%; Terms 24 to 120 months Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Motorcycle, ATV, Jet Ski, & Snowmobiles Loan	-	7.74%	24 Months
Details As Low As; Rates effective as of 4/27/26; Terms 24 to 72 months; Maximum APR is 18%; includes .25% discount for automatic payments Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Boats & RVs Loan	-	8.49%	48 months
Details As Low As; Rates effective as of 4/27/26; APR based on creditworthiness, term, and LTV; Maximum APR is 18%; Terms 24 to 120 months Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 8.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Boats & RVs Loan	-	8.74%	60 months
Details As Low As; Rates effective as of 4/27/26; APR based on creditworthiness, term, and LTV; Maximum APR is 18%; Terms 24 to 120 months Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 8.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Motorcycle, ATV, Jet Ski, & Snowmobiles Loan	-	8.74%	36 Months
Details As Low As; Rates effective as of 4/27/26; Terms 24 to 72 months; Maximum APR is 18%; includes .25% discount for automatic payments Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Boats & RVs Loan	-	8.99%	72 months
Details As Low As; Rates effective as of 4/27/26; APR based on creditworthiness, term, and LTV; Maximum APR is 18%; Terms 24 to 120 months Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Boats & RVs Loan	-	9.24%	84 months
Details As Low As; Rates effective as of 4/27/26; APR based on creditworthiness, term, and LTV; Maximum APR is 18%; Terms 24 to 120 months Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 9.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Boats & RVs Loan	-	9.74%	96 months
Details As Low As; Rates effective as of 4/27/26; APR based on creditworthiness, term, and LTV; Maximum APR is 18%; Terms 24 to 120 months Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 9.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Motorcycle, ATV, Jet Ski, & Snowmobiles Loan	-	9.74%	48 Months
Details As Low As; Rates effective as of 4/27/26; Terms 24 to 72 months; Maximum APR is 18%; includes .25% discount for automatic payments Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 9.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Boats & RVs Loan	-	10.24%	108 months
Details As Low As; Rates effective as of 4/27/26; APR based on creditworthiness, term, and LTV; Maximum APR is 18%; Terms 24 to 120 months Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 10.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Boats & RVs Loan	-	10.74%	120 months
Details As Low As; Rates effective as of 4/27/26; APR based on creditworthiness, term, and LTV; Maximum APR is 18%; Terms 24 to 120 months Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 10.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Motorcycle, ATV, Jet Ski, & Snowmobiles Loan	-	10.74%	60 Months
Details As Low As; Rates effective as of 4/27/26; Terms 24 to 72 months; Maximum APR is 18%; includes .25% discount for automatic payments Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 10.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Motorcycle, ATV, Jet Ski, & Snowmobiles Loan	-	11.74%	72 Months
Details As Low As; Rates effective as of 4/27/26; Terms 24 to 72 months; Maximum APR is 18%; includes .25% discount for automatic payments Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 11.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

TEG Federal Credit Union Credit Card Rates

Product	Rate	APR
TEG Rewards Credit Cards - Rewards Card	-	13.74%
Details As Low As; Intro rate expires: six months; Regular APR: 13.74% to 18.00%; Intro Offer: 3.99% Introductory APR on purchases and balance transfers for the first six months, thereafter; 5,000 Bonus Points when you open a new card; Rates effective as of 10/1/26 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 13.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
TEG Rewards Credit Cards - Secured Card	-	13.74%
Details As Low As; Intro rate expires: six months; Regular APR: 13.74% to 18.00%; 3.99% introductory rate for the first six months; Rates effective as of 10/1/26 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 13.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

TEG Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan - Up To 48 Months	8.74%	Up To 48 Months
Details As Low As; Amount: Up to $30,000; Rates effective as of 10/1/26 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Personal Loans	8.74%
Details As Low As; Popular rates at a glance; Advertised rate includes .25% rate discount for automatic payments Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 8.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Personal Loan - 49 to 60 Months	10.74%	49 to 60 Months
Details As Low As; Amount: Up to $30,000; Rates effective as of 10/1/26 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Personal Loan - Up To 48 Months	10.99%	Up To 48 Months
Details As Low As; Amount: Above $30,000; Rates effective as of 10/1/26 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
Personal Loan - 49 to 60 Months	11.49%	49 to 60 Months
Details As Low As; Amount: Above $30,000; Rates effective as of 10/1/26 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 11.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

TEG Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Cashline Line of Credit	-	-	13.00%
Details As Low As; Rate: Prime + margin based on applicant's credit history; Maximum APR is 18%; Rates effective as of 9/17/26; Variable APR Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Sep 18, 202613.00%▲ from 12.75% Sep 14, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%
IRA Holding Account	-	-	0.10%
Min Deposit $5 Details Previous Quarter Paid on all balances Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.23%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

TEG Federal Credit Union’s Texas Ratio rose from 2.72% in Q3 2023 to 4.23% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$507M	4.23%	5.0	A+
March 31, 2026	$498M	3.59%	5.0	A+
December 31, 2025	$490M	3.92%	5.0	A+
September 30, 2025	$480M	2.58%	5.0	A+
June 30, 2025	$489M	1.81%	5.0	A+
March 31, 2025	$469M	1.53%	5.0	A+
December 31, 2024	$450M	2.21%	5.0	A+
September 30, 2024	$454M	3.72%	5.0	A+
June 30, 2024	$452M	2.04%	5.0	A+
March 31, 2024	$439M	1.94%	5.0	A+
December 31, 2023	$431M	2.88%	5.0	A+
September 30, 2023	$423M	2.72%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for TEG Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather TEG Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with TEG Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TEG Federal Credit Union

Website http://tegfcu.com

Address 1 Commerce St, Poughkeepsie, NY 12603

Phone 845-452-7323

Fax

President Walter Behrman

CEO Cory Shapiro

Full-Time Employees 131

Part-Time Employees 2

Branch Locations 9

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.23%

Return on Assets (ROA)

0.5076%

Return on Equity (ROE)

5.6449%

Non-Performing Loans Ratio (NPL)

0.52%

Total Assets

506,545,153

Total Amount of Shares and Deposits

444,563,359

Total Shares and Deposits < 1 Year

387,791,189

Total Shares and Deposits 1 3 Years

44,985,255

Total Shares and Deposits > 3 Years

11,786,914

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

37,950,161

Total Uninsured Shares and Deposits > $250K (F+J)

37,950,161

Total Insured Shares and Deposits > $250K (item 17 less item K)

406,613,198

Total Interest Expense (Sum of items 6 8)

3,312,297

Share Certificates

3,459

Number of Accounts for Share Drafts

19,876

IRA KEOGH Accounts

1,233

Number of Accounts for Regular Shares

36,536

Non Member Deposits

Money Market Shares

1,930

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

38,825,412

Total Liabilities

461,820,743

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

TEG Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About TEG Federal Credit Union

Does TEG Federal Credit Union offer CDs?

Yes. TEG Federal Credit Union current CD rates include its 36-Month CD at 4.35% APY, its CD - 36 month at 4.35% APY and its 24-Month CD at 4.15% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from TEG Federal Credit Union NCUA insured?

Yes. TEG Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at TEG Federal Credit Union?

The highest TEG Federal Credit Union CD rate is its 36 Month Share & IRA CDs at 4.35% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does TEG Federal Credit Union offer?

TEG Federal Credit Union CD rates are 4.05% APY for a 12 month CD, 4.15% APY for a 2 year CD, 4.35% APY for a 3 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with TEG Federal Credit Union for its full lineup.

What is the highest savings rate at TEG Federal Credit Union?

The highest TEG Federal Credit Union savings rate is its Custodial Savings at 0.05% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at TEG Federal Credit Union?

The highest TEG Federal Credit Union money market rate is its Business Money Market at 0.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at TEG Federal Credit Union?

The lowest TEG Federal Credit Union 30 year fixed mortgage rate is its Conventional Mortgage - 30 Year Fixed at 7.125%, verified by MonitorBankRates as of October 30, 2026. TEG Federal Credit Union mortgage rates are 7.125% for a 30 year mortgage, 7.00% for a 20 year mortgage and 6.625% for a 15 year mortgage.

What is the lowest auto loan rate at TEG Federal Credit Union?

The lowest TEG Federal Credit Union auto loan rate is its New & Used Auto Loans - New Cars 2026-2025 at 5.54% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at TEG Federal Credit Union?

The lowest TEG Federal Credit Union personal loan rate is its Personal Loans at 8.74% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at TEG Federal Credit Union?

The lowest TEG Federal Credit Union credit card APR is its TEG Rewards Credit Cards - Rewards Card at 13.74% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does TEG Federal Credit Union operate?

TEG Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join TEG Federal Credit Union?

Yes, to access services at TEG Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, TEG Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, TEG Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does TEG Federal Credit Union offer online and mobile banking?

Most modern institutions like TEG Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://tegfcu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do TEG Federal Credit Union rates compare?

TEG Federal Credit Union's CD rates are 15% higher than the MonitorBankRates national average, and it has an A+ health rating. TEG Federal Credit Union's top rates are its 36 Month Share & IRA CDs at 4.35% APY, its Custodial Savings at 0.05% APY, its Business Money Market at 0.50% APY, its 5/6 SOFR ARM at 6.00%, its Personal Loan - Up To 48 Months at 8.74% APR and its TEG Rewards Credit Cards - Rewards Card at 13.74% APR, verified by MonitorBankRates on October 30, 2026.

Current TEG Federal Credit Union Rates

12-Month CD4.05%
24-Month CD4.15%
60-Month CD3.00%
Savings0.05%
MMA0.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

TEG Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

TEG Federal Credit Union Texas Ratio

TEG Federal Credit Union Health Trend

TEG Federal Credit Union CD Rates

TEG Federal Credit Union Savings Rates

TEG Federal Credit Union Money Market Rates

TEG Federal Credit Union Business Money Market Rates

TEG Federal Credit Union Mortgage Rates

TEG Federal Credit Union Home Equity & HELOC

TEG Federal Credit Union Auto Loan Rates

TEG Federal Credit Union RV, Boat and Powersport Loan Rates

TEG Federal Credit Union Credit Card Rates

TEG Federal Credit Union Personal Loan Rates

TEG Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

TEG Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About TEG Federal Credit Union

Does TEG Federal Credit Union offer CDs?

Are CDs from TEG Federal Credit Union NCUA insured?

What is the highest CD rate at TEG Federal Credit Union?

What CD terms does TEG Federal Credit Union offer?

What is the highest savings rate at TEG Federal Credit Union?

What is the highest money market rate at TEG Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at TEG Federal Credit Union?

What is the lowest auto loan rate at TEG Federal Credit Union?

What is the lowest personal loan rate at TEG Federal Credit Union?

What is the lowest credit card APR at TEG Federal Credit Union?

How many branches does TEG Federal Credit Union operate?

Is a member application needed to join TEG Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does TEG Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do TEG Federal Credit Union rates compare?

Current TEG Federal Credit Union Rates

Compare to Other Credit Unions