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Best Personal Loan Rates in New York - June 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to New York borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
| ✓Fact Checked | Personal Loan Rates — Last Updated and Verified: June 16, 2026

Current personal loan options available to borrowers in New York include: Community Resource Federal Credit UnionCommunity Resource Federal Credit Union20 Wade Rd, Latham, NY, 12110 3520A+5.0 ★Texas Ratio: 3.50% offering 2022 & newer Loan at 3.99% APR, GPO Federal Credit UnionGPO Federal Credit Union4311 Middle Settlement Rd, New Hartford, NY, 13413A+5.0 ★Texas Ratio: 1.97% offering Flex Equity Variable Rate Loan at 3.99% APR, FASNY Federal Credit UnionFASNY Federal Credit Union107 Washington Ave, Albany, NY, 12210 2231A+5.0 ★Texas Ratio: 0.01% offering 24 months Loan at 3.99% APR, Educational and Governmental Federal Credit UnionEducational and Governmental Federal Credit Union333 N Central Ave Fl 2, Hartsdale, NY, 10530 1811A5.0 ★Texas Ratio: 7.61% offering Borrow against the funds in your account Loan at 3.99% APR, and Finger Lakes Federal Credit UnionFinger Lakes Federal Credit Union27 Seneca St, Geneva, NY, 14456 3502A+5.0 ★Texas Ratio: 0.84% offering Graduate Loan at 3.99% APR. Personal loan rates as of June 16, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare personal loan rates across New York side-by-side. New York personal loan rates currently start as low as 3.99% APR from Community Resource Federal Credit Union at 20 Wade Rd, Latham, NY, 12110 3520. Rates are continually updated — we recommend checking back frequently.

We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in New York.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in New York. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: June 16, 2026

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New York Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
20 Wade Rd, Latham, NY, 12110 3520
2022 & newer Loan
3.99%
View
▼
APR3.99%
Last UpdatedJune 22, 2026
Details

No additional details available.

GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Flex Equity Variable Rate Loan
3.99%
View
▼
APR3.99%
Last UpdatedJune 22, 2026
Details

Intro rate as low as 3.99% APR*

FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
24 months Loan
3.99%
View
▼
APR3.99%
Last UpdatedJune 22, 2026
Details

No additional details available.

GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Save & Boost Credit Loan
3.99%
View
▼
APR3.99%
Last UpdatedJune 22, 2026
Details

As Low As; Build your credit & growing your savings.

Educational and Governmental Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
333 N Central Ave Fl 2, Hartsdale, NY, 10530 1811
Borrow against the funds in your account Loan
3.99%
View
▼
APR3.99%
Last UpdatedJune 22, 2026
Details

As Low As; Borrow up to $50,000

Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Graduate Loan
3.99%
View
▼
APR3.99%
Last UpdatedJune 22, 2026
Details

Variable Rate APR: 4.00% - 12.50%

Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
545 E 2nd St, Jamestown, NY, 14701
36 Months Loan
3.99%
View
▼
APR3.99%
Last UpdatedJune 22, 2026
Details

As Low As

Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
545 E 2nd St, Jamestown, NY, 14701
24 Months Loan
3.99%
View
▼
APR3.99%
Last UpdatedJune 22, 2026
Details

As Low As

Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
545 E 2nd St, Jamestown, NY, 14701
48 Months Loan
3.99%
View
▼
APR3.99%
Last UpdatedJune 22, 2026
Details

As Low As

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY, 12207
Passbook Loan
4.00%
View
▼
APR4.00%
Last UpdatedJune 22, 2026
Details

No additional details available.

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
All Loans
4.00%
View
▼
APR4.00%
Last UpdatedJune 22, 2026
Details

Beacon Score: 725+; Beacon Score: 675 - 724; Beacon Score: 625 - 674

Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Undergraduate Loan
4.00%
View
▼
APR4.00%
Last UpdatedJune 22, 2026
Details

Variable Rate APR: 4.00% - 12.50%

Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
27 W Main St, Fillmore, NY, 14735
2024 and Newer Loan
4.00%
View
▼
APR4.00%
Last UpdatedJune 22, 2026
Details

As Low As; Starting at 4.00%

FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
4.00%
View
▼
APR4.00%
Last UpdatedJune 22, 2026
Details

No additional details available.

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY, 13413 6207
36 Month Loan
4.24%
View
▼
APR4.24%
Last UpdatedJune 22, 2026
Details

As Low As

Western Division Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6750 MAIN ST, WILLIAMSVILLE, NY, 14221
Recreational Loan
4.24%
View
▼
APR4.24%
Last UpdatedJune 22, 2026
Details

ATVs, Wintercraft, Watercraft, RVs, Trailers & Tractors; Military; First Responder; Graduate & First-time Discounts

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY, 13413 6207
48 Month Loan
4.24%
View
▼
APR4.24%
Last UpdatedJune 22, 2026
Details

As Low As

FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
36 months Loan
4.24%
View
▼
APR4.24%
Last UpdatedJune 22, 2026
Details

No additional details available.

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY, 13413 6207
24 Month Loan
4.24%
View
▼
APR4.24%
Last UpdatedJune 22, 2026
Details

As Low As

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY, 13413 6207
12 Month Loan
4.24%
View
▼
APR4.24%
Last UpdatedJune 22, 2026
Details

As Low As

Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
20 Wade Rd, Latham, NY, 12110 3520
2022 & newer Loan
4.24%
View
▼
APR4.24%
Last UpdatedJune 22, 2026
Details

No additional details available.

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
2 Year Loan
4.24%
View
▼
APR4.24%
Last UpdatedJune 22, 2026
Details

Rates quoted are the lowest available rates based on overall creditworthiness

BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2026 - 25 Loan
4.25%
View
▼
APR4.25%
Last UpdatedJune 22, 2026
Details

No additional details available.

FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
24 months Loan
4.25%
View
▼
APR4.25%
Last UpdatedJune 22, 2026
Details

No additional details available.

FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
48 months Loan
4.49%
View
▼
APR4.49%
Last UpdatedJune 22, 2026
Details

No additional details available.

GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Personal Unsecured Loans
4.49%
View
▼
APR4.49%
Last UpdatedJune 22, 2026
Details

As Low As; *

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, New York, NY, 10036 2508
2-Year Loan
4.49%
View
▼
APR4.49%
Last UpdatedJune 22, 2026
Details

No additional details available.

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY, 13413 6207
60 Month Loan
4.49%
View
▼
APR4.49%
Last UpdatedJune 22, 2026
Details

As Low As

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
3 Year Loan
4.49%
View
▼
APR4.49%
Last UpdatedJune 22, 2026
Details

Rates quoted are the lowest available rates based on overall creditworthiness

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Credit Builder Loan
4.50%
View
▼
APR4.50%
Last UpdatedJune 22, 2026
Details

No additional details available.

BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2024 Loan
4.50%
View
▼
APR4.50%
Last UpdatedJune 22, 2026
Details

No additional details available.

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
36 Months Loan
4.50%
View
▼
APR4.50%
Last UpdatedJune 22, 2026
Details

Beacon Score: 725+

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
48 Months Loan
4.50%
View
▼
APR4.50%
Last UpdatedJune 22, 2026
Details

Beacon Score: 725+

FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
36 months Loan
4.50%
View
▼
APR4.50%
Last UpdatedJune 22, 2026
Details

No additional details available.

Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
20 Wade Rd, Latham, NY, 12110 3520
2022 & newer Loan
4.59%
View
▼
APR4.59%
Last UpdatedJune 22, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Refinance Loan
4.64%
View
▼
APR4.64%
Last UpdatedJune 22, 2026
Details

As Low As

BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2026 - 25 Loan
4.65%
View
▼
APR4.65%
Last UpdatedJune 22, 2026
Details

No additional details available.

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
4 Year Loan
4.74%
View
▼
APR4.74%
Last UpdatedJune 22, 2026
Details

Rates quoted are the lowest available rates based on overall creditworthiness

Tonawanda Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
10 Jefferson Square Ave, Batavia, NY, 14020
New and Used Loan
4.74%
View
▼
APR4.74%
Last UpdatedJune 22, 2026
Details

As Low As

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY, 13413 6207
Mechanical Breakdown Protection Loan
4.74%
View
▼
APR4.74%
Last UpdatedJune 22, 2026
Details

As Low As

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, New York, NY, 10036 2508
3-Year Loan
4.74%
View
▼
APR4.74%
Last UpdatedJune 22, 2026
Details

No additional details available.

BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2023 - 17 Loan
4.75%
View
▼
APR4.75%
Last UpdatedJune 22, 2026
Details

No additional details available.

Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
545 E 2nd St, Jamestown, NY, 14701
60 Months Loan
4.75%
View
▼
APR4.75%
Last UpdatedJune 22, 2026
Details

As Low As

Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
545 E 2nd St, Jamestown, NY, 14701
72 Months Loan
4.75%
View
▼
APR4.75%
Last UpdatedJune 22, 2026
Details

As Low As

Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
12 Month Loan
4.75%
View
▼
APR4.75%
Last UpdatedJune 22, 2026
Details

No additional details available.

FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
48 months Loan
4.75%
View
▼
APR4.75%
Last UpdatedJune 22, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Medical Degree Refinance Loan
4.80%
View
▼
APR4.80%
Last UpdatedJune 22, 2026
Details

As Low As

Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
20 Wade Rd, Latham, NY, 12110 3520
2022 & newer Loan
4.84%
View
▼
APR4.84%
Last UpdatedJune 22, 2026
Details

No additional details available.

Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY, 10003 8302
Up to 48 Months Loan
4.89%
View
▼
APR4.89%
Last UpdatedJune 22, 2026
Details

As Low As

BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2024 Loan
4.90%
View
▼
APR4.90%
Last UpdatedJune 22, 2026
Details

No additional details available.

Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
132 Cayuga Rd, Cheektowaga, NY, 14225
Loan Special
4.90%
View
▼
APR4.90%
Last UpdatedJune 22, 2026
Details

$5000; Call the Credit Union for More Details or to Apply!

Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
132 Cayuga Rd, Cheektowaga, NY, 14225
Personal Signature Loans
4.90%
View
▼
APR4.90%
Last UpdatedJune 22, 2026
Details

No additional details available.

Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Vacation Special Loan
4.95%
View
▼
APR4.95%
Last UpdatedJune 22, 2026
Details

As low as

Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
460 N Goodman St, Rochester, NY, 14609 6135
Model Years 2020 - 2024 Loan
4.95%
View
▼
APR4.95%
Last UpdatedJune 22, 2026
Details

As Low As; Fixed APR

Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
460 N Goodman St, Rochester, NY, 14609 6135
48 months Loan
4.95%
View
▼
APR4.95%
Last UpdatedJune 22, 2026
Details

Fixed APR as low as*

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY, 13413 6207
48 Month Loan
4.99%
View
▼
APR4.99%
Last UpdatedJune 22, 2026
Details

As Low As

FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
60 months Loan
4.99%
View
▼
APR4.99%
Last UpdatedJune 22, 2026
Details

No additional details available.

Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
125 E Jefferson St, Syracuse, NY, 13202
Holiday Loan*
4.99%
View
▼
APR4.99%
Last UpdatedJune 22, 2026
Details

(seasonal)

Twin Rivers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
23 Phillips St, Massena, NY, 13662
New Loan
4.99%
View
▼
APR4.99%
Last UpdatedJune 22, 2026
Details

Rates below are based on a credit score of 730 or higher. Lower rates may apply for terms less than 60 months.

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, New York, NY, 10036 2508
4-Year Loan
4.99%
View
▼
APR4.99%
Last UpdatedJune 22, 2026
Details

No additional details available.

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY, 13413 6207
72 Month Loan
4.99%
View
▼
APR4.99%
Last UpdatedJune 22, 2026
Details

As Low As

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY, 13413 6207
36 Month Loan
4.99%
View
▼
APR4.99%
Last UpdatedJune 22, 2026
Details

As Low As

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY, 13413 6207
24 Month Loan
4.99%
View
▼
APR4.99%
Last UpdatedJune 22, 2026
Details

As Low As

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY, 13413 6207
12 Month Loan
4.99%
View
▼
APR4.99%
Last UpdatedJune 22, 2026
Details

As Low As

ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
New and used 2025 - 2026 Loan
4.99%
View
▼
APR4.99%
Last UpdatedJune 22, 2026
Details

As Low As

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
5 Year Loan
4.99%
View
▼
APR4.99%
Last UpdatedJune 22, 2026
Details

Rates quoted are the lowest available rates based on overall creditworthiness

Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY, 10003 8302
49 to 66 Months Loan
4.99%
View
▼
APR4.99%
Last UpdatedJune 22, 2026
Details

As Low As

Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
125 E Jefferson St, Syracuse, NY, 13202
Credit Builder Loan
5.00%
View
▼
APR5.00%
Last UpdatedJune 22, 2026
Details

As Low As; *

Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
95 Franklin St, Buffalo, NY, 14202 3927
36 months Loan
5.00%
View
▼
APR5.00%
Last UpdatedJune 22, 2026
Details

As Low As

Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
95 Franklin St, Buffalo, NY, 14202 3927
30 months Loan
5.00%
View
▼
APR5.00%
Last UpdatedJune 22, 2026
Details

As Low As

FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
5.00%
View
▼
APR5.00%
Last UpdatedJune 22, 2026
Details

No additional details available.

IAM Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.38%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
Non-Collateral Signature Loans
5.00%
View
▼
APR5.00%
Last UpdatedJune 22, 2026
Details

As Low As

Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
27 W Main St, Fillmore, NY, 14735
2024 and Newer Loan
5.00%
View
▼
APR5.00%
Last UpdatedJune 22, 2026
Details

As Low As; Starting at 5.00%

Your Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 John Muir Dr, Amherst, NY, 14228 1148
Spring into Summer Loan Event
5.00%
View
▼
APR5.00%
Last UpdatedJune 22, 2026
Details

$3000.00

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
36-48 Months Loan
5.00%
View
▼
APR5.00%
Last UpdatedJune 22, 2026
Details

No additional details available.

Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
5.00%
View
▼
APR5.00%
Last UpdatedJune 22, 2026
Details

Credit Limit: $7,500 Single / $15,000 Joint Maximum

Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
15 Month Loan
5.00%
View
▼
APR5.00%
Last UpdatedJune 22, 2026
Details

No additional details available.

BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2016 - 13 Loan
5.00%
View
▼
APR5.00%
Last UpdatedJune 22, 2026
Details

No additional details available.

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
10 Years Loan
5.00%
View
▼
APR5.00%
Last UpdatedJune 22, 2026
Details

1st / 60% LTV; Draw Period: 5 years

Niagara Falls Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6040 Lindbergh Ave, Niagara Falls, NY, 14304 3150
Summer/Holiday Loan
5.00%
View
▼
APR5.00%
Last UpdatedJune 22, 2026
Details

As Low As; Unless noted, all payroll deducted loans will receive an additional .25% off loan rates shown. All Loan Rates are stated in terms of Annual Percentage Rate (APR). Loan Rates are for qualified members.

BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2023 - 17 Loan
5.10%
View
▼
APR5.10%
Last UpdatedJune 22, 2026
Details

No additional details available.

ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
New and used 2025 - 2026 Loan
5.14%
View
▼
APR5.14%
Last UpdatedJune 22, 2026
Details

As Low As

Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
45 Atlantic Ave, Oceanside, NY, 11572 2035
Lease Buyouts (2023-2026) Loan
5.14%
View
▼
APR5.14%
Last UpdatedJune 22, 2026
Details

As Low As; For lease buyout terms of 66 months estimated monthly payment of $17.43 per $1000 borrowed for 2023-2026 vehicles. Minimum auto loan is $1,000. Payment is based on rate of 5.14%.

Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY, 10003 8302
67 to 75 Months Loan
5.19%
View
▼
APR5.19%
Last UpdatedJune 22, 2026
Details

As Low As

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY, 13413 6207
60 Month Loan
5.24%
View
▼
APR5.24%
Last UpdatedJune 22, 2026
Details

As Low As

Tonawanda Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
10 Jefferson Square Ave, Batavia, NY, 14020
New and Used Loan
5.24%
View
▼
APR5.24%
Last UpdatedJune 22, 2026
Details

As Low As

Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY, 10036
Loan
5.24%
View
▼
APR5.24%
Last UpdatedJune 22, 2026
Details

No additional details available.

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, New York, NY, 10036 2508
5-Year Loan
5.24%
View
▼
APR5.24%
Last UpdatedJune 22, 2026
Details

No additional details available.

ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
Used 2021 - 2024 Loan
5.24%
View
▼
APR5.24%
Last UpdatedJune 22, 2026
Details

As Low As

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
6 Year Loan
5.24%
View
▼
APR5.24%
Last UpdatedJune 22, 2026
Details

Rates quoted are the lowest available rates based on overall creditworthiness

First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Easy Drive Lease-Like Program: 2021-2027 Model Years Loan
5.24%
View
▼
APR5.24%
Last UpdatedJune 22, 2026
Details

The payments listed below are based on a 2025 Chevrolet Malibu Four-Door Sedan LS with a sales price of $25,000 and Tier 1 credit. *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary. Fees may only apply if you decide to return the vehicle in lieu of making the final balloon payment, plus excess mileage, wear & tear, if applicable.

Educational and Governmental Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
333 N Central Ave Fl 2, Hartsdale, NY, 10530 1811
Borrow up to 120% LTV Terms up to 84 Months Loan
5.24%
View
▼
APR5.24%
Last UpdatedJune 22, 2026
Details

As Low As; Borrow up to 120% LTV

BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2012 & Older Loan
5.25%
View
▼
APR5.25%
Last UpdatedJune 22, 2026
Details

No additional details available.

Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
545 E 2nd St, Jamestown, NY, 14701
84 Months Loan
5.25%
View
▼
APR5.25%
Last UpdatedJune 22, 2026
Details

As Low As

Niagara Falls Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6040 Lindbergh Ave, Niagara Falls, NY, 14304 3150
Summer/Holiday Loan
5.25%
View
▼
APR5.25%
Last UpdatedJune 22, 2026
Details

As Low As; with 1year repayment; Unless noted, all payroll deducted loans will receive an additional .25% off loan rates shown.

Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
27 W Main St, Fillmore, NY, 14735
2024 and Newer Loan
5.25%
View
▼
APR5.25%
Last UpdatedJune 22, 2026
Details

As Low As; Starting at 5.25%

FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
60 months Loan
5.25%
View
▼
APR5.25%
Last UpdatedJune 22, 2026
Details

No additional details available.

ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
New and used 2025 - 2026 Loan
5.34%
View
▼
APR5.34%
Last UpdatedJune 22, 2026
Details

As Low As

BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2016 - 13 Loan
5.35%
View
▼
APR5.35%
Last UpdatedJune 22, 2026
Details

No additional details available.

Nassau Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
736 Franklin Ave, Garden City, NY, 11530
Lease Buyout Loan
5.39%
View
▼
APR5.39%
Last UpdatedJune 22, 2026
Details

As Low As

ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
Used 2021 - 2024 Loan
5.39%
View
▼
APR5.39%
Last UpdatedJune 22, 2026
Details

As Low As

Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
460 N Goodman St, Rochester, NY, 14609 6135
60 months Loan
5.40%
View
▼
APR5.40%
Last UpdatedJune 22, 2026
Details

Fixed APR as low as*

Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
460 N Goodman St, Rochester, NY, 14609 6135
Model Years 2020 - 2024 Loan
5.40%
View
▼
APR5.40%
Last UpdatedJune 22, 2026
Details

As Low As; Fixed APR

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY, 13413 6207
84 Month Loan
5.49%
View
▼
APR5.49%
Last UpdatedJune 22, 2026
Details

As Low As

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, New York, NY, 10036 2508
Tier Two - Loans up to $250,000
5.49%
View
▼
APR5.49%
Last UpdatedJune 22, 2026
Details

$50,000; As Low As

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, New York, NY, 10036 2508
6-Year Loan
5.49%
View
▼
APR5.49%
Last UpdatedJune 22, 2026
Details

No additional details available.

FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
24 - 60 months Loan
5.49%
View
▼
APR5.49%
Last UpdatedJune 22, 2026
Details

No additional details available.

First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Easy Drive Lease-Like Program: 2021-2027 Model Years Loan
5.49%
View
▼
APR5.49%
Last UpdatedJune 22, 2026
Details

The payments listed below are based on a 2025 Chevrolet Malibu Four-Door Sedan LS with a sales price of $25,000 and Tier 1 credit. *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary. Fees may only apply if you decide to return the vehicle in lieu of making the final balloon payment, plus excess mileage, wear & tear, if applicable.

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
3 Year Loan
5.49%
View
▼
APR5.49%
Last UpdatedJune 22, 2026
Details

Rates quoted are the lowest available rates based on overall creditworthiness

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
2 Year Loan
5.49%
View
▼
APR5.49%
Last UpdatedJune 22, 2026
Details

Rates quoted are the lowest available rates based on overall creditworthiness

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY, 13440 2430
60 months Loan
5.49%
View
▼
APR5.49%
Last UpdatedJune 22, 2026
Details

As Low As

Rome Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.29%
937 Seneca St, Rome, NY, 13440
Unsecured Personal Loan
5.49%
View
▼
APR5.49%
Last UpdatedJune 22, 2026
Details

As Low As; Unsecured Personal Loan Max $2,500

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
60 Months Loan
5.50%
View
▼
APR5.50%
Last UpdatedJune 22, 2026
Details

Beacon Score: 725+

Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
27 W Main St, Fillmore, NY, 14735
2023 and Older Loan
5.50%
View
▼
APR5.50%
Last UpdatedJune 22, 2026
Details

As Low As; Starting at 5.50%

Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
27 W Main St, Fillmore, NY, 14735
2024 and Newer Loan
5.50%
View
▼
APR5.50%
Last UpdatedJune 22, 2026
Details

As Low As; Starting at 5.50%

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
48 Months Loan
5.50%
View
▼
APR5.50%
Last UpdatedJune 22, 2026
Details

Beacon Score: 675 - 724

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
36 Months Loan
5.50%
View
▼
APR5.50%
Last UpdatedJune 22, 2026
Details

Beacon Score: 675 - 724

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
10 Years Loan
5.50%
View
▼
APR5.50%
Last UpdatedJune 22, 2026
Details

2nd / 60% LTV; Draw Period: 5 years

Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
10 Year Loan
5.51%
View
▼
APR5.51%
Last UpdatedJune 22, 2026
Details

No additional details available.

Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY, 10003 8302
Up to 48 Months Loan
5.54%
View
▼
APR5.54%
Last UpdatedJune 22, 2026
Details

As Low As; Finance up to 110% of the vehicle value

Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY, 13219
10 Year Monthly Loan
5.54%
View
▼
APR5.54%
Last UpdatedJune 22, 2026
Details

No additional details available.

Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY, 10003 8302
76 to 84 Months Loan
5.59%
View
▼
APR5.59%
Last UpdatedJune 22, 2026
Details

As Low As

ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
Used 2021 - 2024 Loan
5.59%
View
▼
APR5.59%
Last UpdatedJune 22, 2026
Details

As Low As

BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
2012 & Older Loan
5.60%
View
▼
APR5.60%
Last UpdatedJune 22, 2026
Details

No additional details available.

Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY, 13219
7 Year Monthly Loan
5.61%
View
▼
APR5.61%
Last UpdatedJune 22, 2026
Details

No additional details available.

Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 34.49%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
7/1 Hybrid In-House Loan
5.63%
View
▼
APR5.63%
Last UpdatedJune 22, 2026
Details

Rates change daily

FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY, 12302
New, Used: 2026, 2025, 2024 Loan
5.64%
View
▼
APR5.64%
Last UpdatedJune 22, 2026
Details

As Low As; Rates as low as

Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
20 Wade Rd, Latham, NY, 12110 3520
2018 - 2021 Loan
5.64%
View
▼
APR5.64%
Last UpdatedJune 22, 2026
Details

No additional details available.

Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY, 13219
12 Year Monthly Loan
5.64%
View
▼
APR5.64%
Last UpdatedJune 22, 2026
Details

No additional details available.

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY, 12401
SONYMA Loan
5.67%
View
▼
APR5.67%
Last UpdatedJune 22, 2026
Details

No additional details available.

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY, 12958
RELOC Loan
5.70%
View
▼
APR5.70%
Last UpdatedJune 22, 2026
Details

No additional details available.

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY, 13413 6207
72 Month Loan
5.74%
View
▼
APR5.74%
Last UpdatedJune 22, 2026
Details

As Low As

Tonawanda Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
10 Jefferson Square Ave, Batavia, NY, 14020
New and Used Loan
5.74%
View
▼
APR5.74%
Last UpdatedJune 22, 2026
Details

As Low As

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, New York, NY, 10036 2508
7-Year Loan
5.74%
View
▼
APR5.74%
Last UpdatedJune 22, 2026
Details

No additional details available.

FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
5.74%
View
▼
APR5.74%
Last UpdatedJune 22, 2026
Details

No additional details available.

Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY, 10003 8302
49 to 66 Months Loan
5.74%
View
▼
APR5.74%
Last UpdatedJune 22, 2026
Details

As Low As; Finance up to 110% of the vehicle value

First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Easy Drive Lease-Like Program: 2021-2027 Model Years Loan
5.74%
View
▼
APR5.74%
Last UpdatedJune 22, 2026
Details

The payments listed below are based on a 2025 Chevrolet Malibu Four-Door Sedan LS with a sales price of $25,000 and Tier 1 credit. *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary. Fees may only apply if you decide to return the vehicle in lieu of making the final balloon payment, plus excess mileage, wear & tear, if applicable.

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
7 Year Loan
5.74%
View
▼
APR5.74%
Last UpdatedJune 22, 2026
Details

Rates quoted are the lowest available rates based on overall creditworthiness

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
4 Year Loan
5.74%
View
▼
APR5.74%
Last UpdatedJune 22, 2026
Details

Rates quoted are the lowest available rates based on overall creditworthiness

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY, 13440 2430
60 months Loan
5.74%
View
▼
APR5.74%
Last UpdatedJune 22, 2026
Details

As Low As

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY, 13440 2430
12 months Loan
5.75%
View
▼
APR5.75%
Last UpdatedJune 22, 2026
Details

As Low As

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
36-48 Months Loan
5.75%
View
▼
APR5.75%
Last UpdatedJune 22, 2026
Details

No additional details available.

Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
72 Months Loan
5.75%
View
▼
APR5.75%
Last UpdatedJune 22, 2026
Details

Beacon Score: 725+

Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
27 W Main St, Fillmore, NY, 14735
2023 and Older Loan
5.75%
View
▼
APR5.75%
Last UpdatedJune 22, 2026
Details

As Low As; Starting at 5.75%

Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
27 W Main St, Fillmore, NY, 14735
2024 and Newer Loan
5.75%
View
▼
APR5.75%
Last UpdatedJune 22, 2026
Details

As Low As; Starting at 5.75%

Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
180 Schwenk Dr, Kingston, NY, 12401
SONYMA Loan
5.78%
View
▼
APR5.78%
Last UpdatedJune 22, 2026
Details

No additional details available.

Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
20 Wade Rd, Latham, NY, 12110 3520
2018 - 2021 Loan
5.84%
View
▼
APR5.84%
Last UpdatedJune 22, 2026
Details

No additional details available.

Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
20 Wade Rd, Latham, NY, 12110 3520
2022 & newer Loan
5.84%
View
▼
APR5.84%
Last UpdatedJune 22, 2026
Details

No additional details available.

ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
New and used 2025 - 2026 Loan
5.84%
View
▼
APR5.84%
Last UpdatedJune 22, 2026
Details

As Low As

Genesee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
4621 Millennium Dr, Geneseo, NY, 14454
Model Year 2024 Loan
5.84%
View
▼
APR5.84%
Last UpdatedJune 22, 2026
Details

All rates are APR = Annual Percentage Rate, and can be as low as, but not guaranteed at the shown rate.

New York Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
5.00%
View
▼
APR5.00%
Last UpdatedJune 22, 2026
Details

Credit Limit: $7,500 Single / $15,000 Joint Maximum

Rome Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.29%
937 Seneca St, Rome, NY, 13440
Unsecured Personal Loan
5.49%
View
▼
APR5.49%
Last UpdatedJune 22, 2026
Details

As Low As; Unsecured Personal Loan Max $2,500

New York Debt Consolidation Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Debt Consolidation Loan
6.00%
View
▼
APR6.00%
Last UpdatedJune 22, 2026
Details

No additional details available.

Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Debt Consolidation Loan
7.00%
View
▼
APR7.00%
Last UpdatedJune 22, 2026
Details

No additional details available.

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY, 12401
Debt Consolidation Loan
7.49%
View
▼
APR7.49%
Last UpdatedJune 22, 2026
Details

No hidden fees. Perfect for getting ahead of higher-rate credit card debt.

VAN CORTLANDT COOPERATIVE
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3960 Hillman Ave, Bronx, NY, 10463
Debt Consolidation Loan
7.99%
View
▼
APR7.99%
Last UpdatedJune 22, 2026
Details

No additional details available.

Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Debt Consolidation Loan
8.00%
View
▼
APR8.00%
Last UpdatedJune 22, 2026
Details

No additional details available.

St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2998 Chili Ave, Rochester, NY, 14624 4537
Debt Relief Loan
8.00%
View
▼
APR8.00%
Last UpdatedJune 22, 2026
Details

As Low As; Borrow up to $10,000.00, Delay first payment for 60 days; *

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Debt Consolidation Loan
8.99%
View
▼
APR8.99%
Last UpdatedJune 22, 2026
Details

No additional details available.

Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Debt Consolidation Loan
9.00%
View
▼
APR9.00%
Last UpdatedJune 22, 2026
Details

No additional details available.

Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
Debt Consolidation Loan
9.00%
View
▼
APR9.00%
Last UpdatedJune 22, 2026
Details

No additional details available.

TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
9.25%
View
▼
APR9.25%
Last UpdatedJune 22, 2026
Details

As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Debt Consolidation Loan
9.49%
View
▼
APR9.49%
Last UpdatedJune 22, 2026
Details

No additional details available.

Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
125 E Jefferson St, Syracuse, NY, 13202
Debt Consolidation Loan
9.74%
View
▼
APR9.74%
Last UpdatedJune 22, 2026
Details

No additional details available.

Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
125 Wireless Blvd, Hauppauge, NY, 11788 3971
Debt Consolidation Loan
9.99%
View
▼
APR9.99%
Last UpdatedJune 22, 2026
Details

As Low As; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval.

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Debt Consolidation Loan
9.99%
View
▼
APR9.99%
Last UpdatedJune 22, 2026
Details

No additional details available.

Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Debt Consolidation Loan
9.99%
View
▼
APR9.99%
Last UpdatedJune 22, 2026
Details

APR with Discount as low as*: 9.49%

Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
125 E Jefferson St, Syracuse, NY, 13202
Debt Consolidation Loan
10.24%
View
▼
APR10.24%
Last UpdatedJune 22, 2026
Details

No additional details available.

TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
10.25%
View
▼
APR10.25%
Last UpdatedJune 22, 2026
Details

As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Debt Consolidation Loan
10.49%
View
▼
APR10.49%
Last UpdatedJune 22, 2026
Details

No additional details available.

Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
125 E Jefferson St, Syracuse, NY, 13202
Debt Consolidation Loan
10.49%
View
▼
APR10.49%
Last UpdatedJune 22, 2026
Details

No additional details available.

Tonawanda Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
10 Jefferson Square Ave, Batavia, NY, 14020
Debt Consolidation Loan
10.50%
View
▼
APR10.50%
Last UpdatedJune 22, 2026
Details

As Low As; Debt Consolidation 12-24 months max

Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Debt Consolidation Unsecured - up to 48 months Loan
10.74%
View
▼
APR10.74%
Last UpdatedJune 22, 2026
Details

No additional details available.

Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Debt Consolidation Unsecured Loan
10.74%
View
▼
APR10.74%
Last UpdatedJune 22, 2026
Details

No additional details available.

Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Debt Consolidation Unsecured - 49 to 60 months Loan
10.89%
View
▼
APR10.89%
Last UpdatedJune 22, 2026
Details

No additional details available.

Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Debt Consolidation Unsecured Loan
10.89%
View
▼
APR10.89%
Last UpdatedJune 22, 2026
Details

No additional details available.

TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
11.25%
View
▼
APR11.25%
Last UpdatedJune 22, 2026
Details

As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.

Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Debt Consolidation Loan
11.49%
View
▼
APR11.49%
Last UpdatedJune 22, 2026
Details

APR with Discount as low as*: 10.99%

Tonawanda Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
10 Jefferson Square Ave, Batavia, NY, 14020
Debt Consolidation Loan
11.50%
View
▼
APR11.50%
Last UpdatedJune 22, 2026
Details

As Low As; Debt Consolidation 25-60 months max

TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
12.20%
View
▼
APR12.20%
Last UpdatedJune 22, 2026
Details

As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.

Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Debt Consolidation Loan
12.49%
View
▼
APR12.49%
Last UpdatedJune 22, 2026
Details

APR with Discount as low as*: 11.99%

TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
13.25%
View
▼
APR13.25%
Last UpdatedJune 22, 2026
Details

As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
274 Rugar St, Plattsburgh, NY, 12901
Debt Consolidation Loan
13.50%
View
▼
APR13.50%
Last UpdatedJune 22, 2026
Details

As Low As; APR*

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY, 12207
Debt Consolidation Loan
14.50%
View
▼
APR14.50%
Last UpdatedJune 22, 2026
Details

No additional details available.

Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.98%
1112 Saint Nicholas Ave, New York, NY, 10032
Debt Consolidation Loans
18.00%
View
▼
APR18.00%
Last UpdatedJune 22, 2026
Details

Fixed rate; discount with direct deposit; $20 application fee

New York Signature Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
4.00%
View
▼
APR4.00%
Last UpdatedJune 22, 2026
Details

No additional details available.

Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
132 Cayuga Rd, Cheektowaga, NY, 14225
Personal Signature Loans
4.90%
View
▼
APR4.90%
Last UpdatedJune 22, 2026
Details

No additional details available.

IAM Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.38%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
Non-Collateral Signature Loans
5.00%
View
▼
APR5.00%
Last UpdatedJune 22, 2026
Details

As Low As

FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
5.00%
View
▼
APR5.00%
Last UpdatedJune 22, 2026
Details

No additional details available.

FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
5.74%
View
▼
APR5.74%
Last UpdatedJune 22, 2026
Details

No additional details available.

New York Personal Loan Rate Trends

Compare local New York personal loan rates against the statewide average

Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full New York Personal Loan Trends →
Personal Loan — NY Avg
9.975%
▼ 0.018 vs 7 days ago

New York personal loan rates fell 0.018 points over the past 7 days to 9.975% APR.

Signature Loan — NY Avg
9.756%
Unchanged vs 7 days ago

New York signature loan rates currently average 9.756% APR.

As of Jun 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New York personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for New York directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in New York. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in NY.

Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.

Frequently Asked Questions

What credit score do I need for a personal loan in New York?

Most lenders in New York require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in New York often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in New York require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in New York?

Yes. Debt consolidation is one of the most common uses of personal loans in New York. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in New York?

Credit unions in New York often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What are the best personal loan rates in New York?

  • Community Resource Federal Credit Union: 3.99% (2022 & newer Loan)
  • GPO Federal Credit Union: 3.99% (Flex Equity Variable Rate Loan)
  • FASNY Federal Credit Union: 3.99% (24 months Loan)
  • Educational and Governmental Federal Credit Union: 3.99% (Borrow against the funds in your account Loan)
  • Finger Lakes Federal Credit Union: 3.99% (Graduate Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in New York. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 16, 2026.

New York Rates & Resources

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Personal Loan Calculators

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  • Webb
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  • Wells
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  • Westmoreland
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  • Westtown
  • Wevertown
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