Teachers Federal Credit Union
Phone: 1-631-698-7000
ACH Number: 221475786
Teachers Federal Credit Union is a NCUA insured federal credit union
headquartered at PO BOX 9005, SMITHTOWN, NY 11787.
It was founded in 1952 and has approximately
$9,879 million in assets. Customers can open an account at one of its
21 branches.
Deposit Rates - December 09, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.10% | $1 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
3 Mo CD
|
3.25% | $1,000 | Compare |
|
3 Mo CD
|
3.25% | $100,000 | Compare |
|
6 Mo CD
|
4.00% | $1,000 | Compare |
|
6 Mo CD
|
4.00% | $100,000 | Compare |
|
8 Mo CD
|
3.75% | $100,000 | Compare |
|
9 Mo CD
|
3.50% | $1,000 | Compare |
|
12 Mo CD
|
3.75% | $1,000 | Compare |
|
12 Mo CD
|
3.75% | $100,000 | Compare |
|
16 Mo CD
|
3.00% | $1,000 | Compare |
|
18 Mo CD
|
3.00% | $1,000 | Compare |
|
24 Mo CD
|
3.00% | $1,000 | Compare |
|
36 Mo CD
|
3.00% | $1,000 | Compare |
|
48 Mo CD
|
3.00% | $1,000 | Compare |
|
60 Mo CD
|
3.00% | $1,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.50% | $2,500 | Compare |
|
Money Market
|
0.60% | $25,000 | Compare |
|
Money Market
|
0.75% | $50,000 | Compare |
|
Money Market
|
1.00% | $100,000 | Compare |
|
Money Market
|
1.10% | $250,000 | Compare |
|
Money Market
|
1.10% | $500,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
2.50% | $0 |
Loan Rates - December 09, 2025
| MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
7 Year Adjustable Jumbo
|
7.22% | $1,918.56 |
|
7 Year Adjustable Conforming
|
7.25% | $1,918.56 |
|
10 Year Adjustable Jumbo
|
7.06% | $1,970.30 |
|
10 Year Adjustable Conforming
|
7.08% | $1,970.30 |
|
15 Year Fixed Jumbo
|
6.42% | $2,766.48 |
|
15 Year Fixed Conforming
|
6.47% | $2,766.48 |
|
20 Year Fixed Jumbo
|
6.79% | $2,433.16 |
| MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
7 Year Adjustable Jumbo
|
7.22% | $1,918.56 |
|
7 Year Adjustable Conforming
|
7.25% | $1,918.56 |
|
10 Year Adjustable Jumbo
|
7.06% | $1,970.30 |
|
10 Year Adjustable Conforming
|
7.08% | $1,970.30 |
|
15 Year Fixed Jumbo
|
6.42% | $2,766.48 |
|
15 Year Fixed Conforming
|
6.47% | $2,766.48 |
|
20 Year Fixed Jumbo
|
6.79% | $2,433.16 |
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
|---|---|---|---|---|
|
Line of Credit
|
5.25% | Varies | ||
Compare with 6.95 RATE Line of Credit from Figure Home Equity
|
||||
Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc
|
||||
Compare with 6.99 RATE Line of Credit from Third Federal Savings and Loan
|
||||
Compare with 7.25 RATE Line of Credit from Four Leaf Federal Credit Union
|
||||
|
10 Year Loan
|
4.49% | $1,035.90 | ||
|
15 Year Loan
|
5.24% | $803.35 | ||
| AUTO LOAN RATES | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
3 Year
|
3.09% | $728.02 |
|
4 Year
|
3.09% | $554.35 |
|
5 Year
|
3.09% | $450.22 |
Overview 2025
General Credit Union Information
| NCUA Insured | Yes / Federally Chartered |
| Charter Number | # 8116 |
| Date Established | 1952 |
| Assets | $9,879.19 million |
| Loans | $5,696.44 million |
| Deposits | $8,239.37 million |
| Capital | $1,038.53 million |
Customer Reviews for Teachers Federal Credit Union
Branches
Click on location and enter new zip number or state name to change.
Your current location is: New York City, NY
Teachers Federal Credit Union Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1LOCAL SAVINGSCredit Union-$50,000N.A.0.10%0.44x (National Avg. - 0.23%)$1-SCENARIO
Year Rate
0.10%Annual
InterestAnnual Interest
(After Tax)1 50,000 50 35 2 50,050 50 35 3 50,100 50 35 4 50,150 50 35 5 50,200 50 35 6 50,251 50 35 7 50,301 50 35 8 50,351 50 35 9 50,401 50 35 10 50,452 50 35 11 50,502 51 35 12 50,553 51 35 13 50,603 51 35 14 50,654 51 35 15 50,705 51 35 16 50,755 51 36 17 50,806 51 36 18 50,857 51 36 19 50,908 51 36 20 50,959 51 36 TOTAL $1,010 $707 - 2ONLINE SAVINGSBank-$50,000N.A.4.00%17.70x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
4.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,000 1,400 2 52,000 2,080 1,456 3 54,080 2,163 1,514 4 56,243 2,250 1,575 5 58,493 2,340 1,638 6 60,833 2,433 1,703 7 63,266 2,531 1,771 8 65,797 2,632 1,842 9 68,428 2,737 1,916 10 71,166 2,847 1,993 11 74,012 2,960 2,072 12 76,973 3,079 2,155 13 80,052 3,202 2,241 14 83,254 3,330 2,331 15 86,584 3,463 2,424 16 90,047 3,602 2,521 17 93,649 3,746 2,622 18 97,395 3,896 2,727 19 101,291 4,052 2,836 20 105,342 4,214 2,950 TOTAL $59,556 $41,689
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