Credit union · NCUA insured
TEG Federal Credit Union Auto Loan Rates
TEG Federal Credit Union auto loans start at 4.74% APR for a new vehicle. Rates checked October 16, 2026.
How TEG Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kiryas Joel, NY, where TEG Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
TEG Federal Credit Union
4.74%APR
- Terms
- up to 84 months
New Auto Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
TEG Federal Credit Union auto loan score
81
Auto loan score
Higher than 55% of U.S. banks and credit unions
- New vehicleNew4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where TEG Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Refinancing
Membership required. No application fee or prepayment penalties. Flexible terms up to 84 months. Financing up to 135% for qualified buyers. Includes 0.25% automatic-payment discount. Rates vary by creditworthiness and vehicle year.
| Terms | APR | Conditions |
|---|---|---|
| 24–48 months | 5.65% | Model years 2026–2024. As low as rate for 24–48 months fixed. Includes 0.25% automatic-payment discount. APR based on creditworthiness, vehicle model year, and other qualifying factors. |
| 24–48 months | 6.15% | Model years 2023–2019. As low as rate for 24–48 months fixed. Includes 0.25% automatic-payment discount. APR based on creditworthiness, vehicle model year, and other qualifying factors. |
Sources (1)
- tegfcu.com/auto-refinancing · captured Oct 16, 2026
New Auto Loans
Membership requires living, working, worshipping, or attending school in Dutchess, Orange, Rockland, Putnam, Sullivan, Ulster, or Westchester counties, NY with a $5 minimum deposit. Loan discounts with automatic payments (0.25% discount). Maximum APR 18%. Flexible terms up to 84 months (max 60 months for vehicles older than 10 model years). No application fee or prepayment penalties. Financing up to 135% for qualified buyers. A new vehicle is considered one that has never been titled or has less than 3,000 miles.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.74% | Model Years 2026-2025. Advertised rate is lowest offered / as low as and includes a 0.25% rate discount for automatic payments for the life of the loan. APR is based on creditworthiness, term, vehicle model year, and mileage. Maximum APR 18%. Flexible terms up to 84 months. |
Used Car Loans
Membership requires living, working, worshipping, or attending school in Dutchess, Orange, Rockland, Putnam, Sullivan, Ulster, or Westchester counties, NY with a $5 minimum deposit. Loan discounts with automatic payments (0.25% discount). Maximum APR 18%. Flexible terms up to 84 months (max 60 months for vehicles older than 10 model years). No application fee or prepayment penalties. Financing up to 135% for qualified buyers.
| Terms | APR | Conditions |
|---|---|---|
| 24–48 months | 5.10% | Model Years 2025-2024. Advertised rate is lowest offered / as low as and includes a 0.25% rate discount for automatic payments for the life of the loan. APR is based on creditworthiness, term, vehicle model year, and mileage. 24-48 months fixed rate advertised. Maximum APR 18%. Maximum term up to 84 months. |
| 24–48 months | 5.70% | Model Years 2023-2019. Advertised rate is lowest offered / as low as and includes a 0.25% rate discount for automatic payments for the life of the loan. APR is based on creditworthiness, term, vehicle model year, and mileage. 24-48 months fixed rate advertised. Maximum APR 18%. Maximum term up to 84 months. |
| 24–48 months | 7.65% | Model Years 2018 and Older. Advertised rate is lowest offered / as low as and includes a 0.25% rate discount for automatic payments for the life of the loan. APR is based on creditworthiness, term, vehicle model year, and mileage. 24-48 months fixed rate advertised. Maximum APR 18%. Maximum term for vehicles older than 10 model years is 60 months. |
Who can join TEG Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in Dutchess, Orange, Rockland, Putnam, Sullivan, Ulster, and Westchester counties.
Family and household
- Membership is open to immediate families of eligible individuals who live, work, worship, or attend school in Dutchess, Orange, Ulster, Putnam, Rockland, Sullivan, and Westchester County, NY.
Other ways
- Business membership is available to eligible businesses in or doing business in Dutchess, Orange, Ulster, Putnam, Sullivan, Westchester, or Rockland County and registered to do business in New York State.
Cost to join
- A minimum deposit of $5 opens the door to credit union membership benefits.
Membership information collected October 5, 2026.