Commercial lending from our dedicated team of experts.

Now that’s smart.

With low rates and personalized service, choosing Teachers is a wise business decision.

Teachers is your dedicated team for commercial real estate purchases or refinances. Currently netting over $500 million in commercial loans, we’re experts in commercial real estate financing such as office buildings, shopping centers, mixed use buildings, and multifamily buildings with at least five units.

Why choose Teachers?

  • We offer low rates and flexible terms with loan amounts up to $5 million*
  • No prepayment penalty – ever!
  • We’re well versed in commercial real estate, underwriting, guarantors, LLCs, partnerships
  • You’ll get exceptional service – you can speak with a business development officer directly anytime
  • Our contact center is in-house, not outsourced
  • You’ll get a portfolio manager and a dedicated team ready to support you throughout the process

Finance commercial real estate purchases or refinances with a Teachers Credit Union Commercial Mortgage.

Maximum loan: $5,000,000

  • 5 year balloon - up to 30 year loan amortization
  • 10 year balloon - up to 30 year loan amortization
  • 15 year balloon - up to 30 year loan amortization



  • To purchase the premises of a business, in order to "own rather than rent"
  • To refinance a commercial property to cash out and/or refinance existing debt at a lower interest rate
  • To use the full or partial proceeds for further business investment, which could include: other needed properties for the business, equipment, or long-term increases in working capital
  • To develop a commercial property in a variety of other manners


5/5/5 Adjustable Commercial Mortgages

  • Term: 15 years
  • Interest rate adjusts after 5 and 10***
  • No prepayment penalty


Make an Appointment

Schedule Appointment


We can help make the commercial lending process easier for you.

Complete the form below and one of our lending experts will be in touch. 

Business Address
Purchase or Refinance
This question is for testing whether or not you are a human visitor and to prevent automated spam submissions.

*Commercial real estate lending products are subject to product availability and subject to change. Actual loan terms, loan to value requirements, and documentation requirements are subject to product criteria and credit approval. Membership required, $1.00 minimum Regular savings account is required at or prior to account opening. You must be 18 years old or otherwise have the ability to legally contract for automotive financing in your state of residence, and either a U.S. citizen or resident alien (permanent or non-permanent). Commercial real estate lending products are currently only available in the following states: NY, NJ, CT and FL.

**Rates accurate as of 11/18/21. Rates and terms subject to change without notice.
***After years 5 and 10, interest rate will adjust to the 5 year constant maturity treasury + 2.5% rounded up to the nearest 1/8th.