Teachers Credit Union - Nationwide Branches
| Branch | Address | View Lobby Hours |
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SUNY SAC
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100 Nicolls Rd, Stony Brook, NY 11790 |
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Central Islip Branch
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118 Wheeler Rd, Central Islip, NY 11722 |
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Commack Branch
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10 Vanderbilt Motor Pkwy, Commack, NY 11725 |
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Shirley
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437 William Floyd Pkwy, Shirley, NY 11967 |
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Smithtown
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1 W Main St, Smithtown, NY 11787 |
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South Setauket
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260A Pond Path, South Setauket, NY 11720 |
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SUNY
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101 Nicolls Rd, Stony Brook, NY 11794 |
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Rocky Point
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561 Route 25A, Rocky Point, NY 11778 |
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Holbrook
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5439 Sunrise Hwy, Holbrook, NY 11741 |
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Selden
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301 Independence Plz, Selden, NY 11784 |
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East Northport
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556 Larkfield Rd, East Northport, NY 11731 |
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Riverhead
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176 Old Country Rd, Riverhead, NY 11901 |
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FARMINGVILLE
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2410 N OCEAN AVE, FARMINGVILLE, NY 11738 |
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Port Jefferson
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450 Route 112, Port Jefferson Station, NY 11776 |
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Oakdale
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951 Montauk Hwy, Oakdale, NY 11769 |
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North Babylon
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1134 Deer Park Ave, North Babylon, NY 11703 |
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Nesonset
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127 Smithtown Blvd, Nesconset, NY 11767 |
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Huntington
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211 E Main St, Huntington, NY 11743 |
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Featured - 30 Year Fixed Mortgage Rates 2024
NMLS ID: 1835285
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6.128%
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6.000% |
0.88 |
$4,400 |
$1,919 |
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NMLS ID: 2578474
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6.242%
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6.125% |
0.88 |
$4,010 |
$1,945 |
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NMLS ID: 66247
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6.319%
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6.250% |
0.75 |
$2,330 |
$1,971 |
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NMLS ID: 1025894
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6.579%
|
6.490% |
0.75 |
$2,972 |
$2,021 |
Learn More
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Featured - Home Equity Line Of Credit Rates 2024
Third Federal Savings and Loan
See Table
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Intro APR
7.240 %
After Intro: 7.240 %
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$0
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Learn More
More Info
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Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com.
- Third Federal rate are typically 20% lower than other leaders
- Guaranteed Lowest Rate
- No closing costs, prepayment penalties, or minimum draw requirements
- 10 year draw period
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Rate
See Table
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Intro APR
8.250 %
After Intro: 8.250 %
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$25,000
|
Learn More
More Info
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A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not.
To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing.
Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
- Apply in 5 minutes, get your money in as fast as 5 days.
- Digital application experience.
- Funds directly to your bank account.
- No in-person appraisal needed.
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Achieve Loans
See Table
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Intro APR
10.625 %
After Intro: 10.625 %
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$0
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Learn More
More Info
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All terms are estimates until underwriting is complete. Offer shown includes a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (2.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Offers are only valid in states where Achieve is licensed. Loans are not available to residents of all states and available loan terms and fees may vary by state where offered. Contact Achieve Loans for further details.
- Competitive rates, Pre-qualify in minutes
- Mortgage Advisors standing by to help find the best solution
- Flexible terms with fast funding
- Minimum credit score: 640
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