Teachers Credit Union176 Old Country Rd, Riverhead, NY

Riverhead, NY
(631) 698-7000
NCUA Insured

About Teachers

This branch of Teachers is located at 176 Old Country Rd in Riverhead, New York, and can be reached at (631) 698-7000. Teachers is a federally insured financial cooperative serving the Riverhead, New York community. Established to provide a secure alternative to big banks, they focus on member service rather than profits. If you are comparing options, you can also browse other credit unions in Riverhead or review your personal loan options.

Not-for-Profit

Profits are returned to members via better rates & lower fees.

Community Focus

Local decision making and support for the Riverhead area.

Key Member Benefits

  • Payday Alternative Loans (PALs)

    Borrow small amounts at fair, regulated rates to manage short-term cash needs without getting trapped in debt.

  • Financial Counseling

    Expert guidance on budgeting, debt reduction, and wealth building to help you achieve financial stability.

  • First-Time Homebuyer Program

    Special mortgage programs with lower down payments or rate assistance to help you buy your first home.

  • Bilingual Services

    Full service available in multiple languages to support our diverse community.

  • Low-Cost Wire Transfers

    Affordable wire transfer services, making it easier to send money domestically or internationally.

  • Free Checking

    No-cost share draft accounts (checking) with no monthly maintenance fees.

  • In-School Branch

    Partnerships with local schools to provide on-site banking and financial literacy for students.

Location & Branch Hours

Visit Branch

176 Old Country Rd

Riverhead, NY 11901

Lobby Hours
Open

Today: 9am-5pm

SundayClosed
Monday9:00 AM - 5:00 PM
Tuesday9:00 AM - 5:00 PM
Wednesday9:00 AM - 5:00 PM
Thursday9:00 AM - 5:00 PM
Friday9:00 AM - 6:00 PM
Saturday9:00 AM - 2:00 PM

All times listed are Eastern Standard Time. Standard branch hours for all locations.

Need Funds Before You Join?

How to Join

Membership at Teachers is typically open to individuals who live, work, worship, or attend school in Riverhead and surrounding areas.

Standard Requirements:

  • Valid Government ID (Driver's License, Passport)
  • Social Security Number (SSN)
  • Proof of Address (Utility bill, Lease)
  • Small opening deposit (Usually $5 - $25)

We recommend contacting the branch at (631) 698-7000 to confirm your eligibility before visiting.

Membership and underwriting can take time. If you need funds while your application is in progress, you can explore installment loans or, if your credit history is still developing, review loan options for bad credit.

Services and Loan Types

Like most credit unions, Teachers typically offers the following services. If you want to weigh these against online options, you can compare debt consolidation loans or, for those rebuilding their score, look at loans for fair credit:

Loans & Credit

  • Personal Loans: Unsecured loans for debt consolidation or emergencies.
  • Auto Loans: Financing for new and used vehicles.
  • Home Loans: Mortgages and Home Equity (HELOC).
  • Credit Cards: Low-rate Visa/Mastercard options.

Banking & Savings

  • Checking Accounts: Often free with no minimum balance.
  • Savings Accounts: Share accounts with dividends.
  • CDs & IRAs: Long-term savings options.
  • Online Banking: Mobile app and remote deposit.

Verified Branch Services

ATM
Shared Service Center

Frequently Asked Questions

Is Teachers federally insured?

Yes, as a federally chartered or insured credit union, accounts are insured by the **NCUA (National Credit Union Administration)** up to $250,000. This offers the same level of protection as FDIC insurance at traditional banks.

Who can join this credit union?

Field of membership typically includes residents of Riverhead, employees of specific local companies, or family members of existing members. Contact the branch directly for the most current eligibility list.

Other Teachers Locations

29 additional branches in 1 state

New YorkCurrent State

29 locations

460 County Road 111

8.9 mi away(631) 698-7000

6257 Route 25a

9.8 mi away(631) 698-7000

248 Main St

12 mi away(631) 698-7000

2 Center St

13 mi away(631) 698-7000

561 Route 25a

14 mi away(631) 698-7000

437 William Floyd Pkwy

15 mi away(631) 698-7000

5145 Nesconset Hwy

20 mi away(631) 698-7000

2410 N Ocean Ave

21 mi away(631) 698-7000

301 Independence Plz

22 mi away(631) 698-7000

31 W Main St Ste 23

22 mi away(631) 698-7000

260a Pond Path

24 mi away(631) 698-7000

5801 Sunrise Hwy Ste B8-190

24 mi away(631) 698-7000

1113 N Country Rd

25 mi away(631) 698-7000

5439 Sunrise Hwy

25 mi away(631) 698-7000

127 Smithtown Blvd

27 mi away(631) 698-7000

951 Montauk Hwy

28 mi away(631) 698-7000

47 Route 111

29 mi away(631) 698-7000

118 Wheeler Rd

31 mi away(631) 698-7000

102 Motor Pkwy

33 mi away(631) 698-7000
Teachers Credit Union in Hauppauge, NYMain OfficeOpen

102 Motor Pkwy

33 mi away(631) 698-7000

10 Vanderbilt Motor Pkwy

35 mi away(631) 698-7000

1360 Sunrise Hwy

35 mi away(631) 698-7000

556 Larkfield Rd

35 mi away(631) 698-7000

1134 Deer Park Ave

38 mi away(631) 698-7000

211 E Main St

39 mi away(631) 698-7000

355 Broadway

44 mi away(631) 698-7000

4250 Jerusalem Ave

47 mi away(631) 698-7000

2557 Hempstead Tpke

49 mi away(631) 698-7000

1638 Merrick Rd

51 mi away(631) 698-7000

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If Teachers Credit Union isn't the right fit

To borrow from Teachers Credit Union you generally need to qualify for membership and meet its lending criteria, and not every applicant is approved. If you don't qualify, need to compare rates, or want to review more options, you can apply online with lenders serving New York. Applying is quick, and funds may be available quickly after approval.

Approval, amount, and terms depend on the lender and your creditworthiness. Loans are not available in all states.