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    TEG mortgage rates

    TEG's lowest publicly advertised 30-year fixed rate today is 6.75% — the national average is 6.88%. That's about $12,477 saved over the life of a $400,000, 30-year loan. We track TEG daily and refresh rates every morning.

    Rates as of Dec 10, 2025

    Today's rates from TEG

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.75%6.877%0.75Sep 10, 2026Visit
    20 Year Fixed6.625%6.791%0.75Sep 10, 2026Visit
    15 Year Fixed6.375%6.601%0.875Sep 10, 2026Visit
    5 Year ARM6.125%6.095%0.75Sep 10, 2026Visit
    7 Year ARM6.375%6.255%0.75Sep 10, 2026Visit
    Visit TEG's rates page

    Rate history

    Lowest daily rate TEG advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join TEG

    Individuals who live, work, worship, or attend school in the New York counties of Dutchess, Orange, Ulster, Putnam, Rockland, Sullivan, or Westchester are eligible to join TEG Federal Credit Union.

    County
    Dutchess County, NY, Orange County, NY, Ulster County, NY, Putnam County, NY, Rockland County, NY, Sullivan County, NY, Westchester County, NY

    Where TEG writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with TEG.

    New York

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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