Best Personal Loan Rates in Adams, New York (NY) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Adams, New York include: Community BankCommunity Bank26 E Church St, Adams, NY, 13605A+5.0 ★Texas Ratio: 3.23% offering Unsecured personal loan at 7.89% APR, Northern Credit UnionNorthern Credit Union2 Elmwood Ave, Adams, NY, 13605A5.0 ★Texas Ratio: 6.98% offering Personal Loan at 9.24% APR, GPO Federal Credit UnionGPO Federal Credit UnionA+5.0 ★Texas Ratio: 2.06% offering Boost Credit Loan at 3.99% APR, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, and Olean Teachers And Postal Federal Credit UnionOlean Teachers And Postal Federal Credit UnionA+5.0 ★Texas Ratio: 3.67% offering March Madness Loan Special at 4.49% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Adams has 2 local institutions in our database, with personal loan rates as low as 7.89% APR from Community Bank at 26 E Church St, Adams, NY, 13605. Use the tabs below to compare all available personal loan types. 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 Adams, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Adams, 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: April 6, 2026
As Low As; Advertised Annual Percentage Rate accurate as of 7/22/2025 and are subject to change without notice. 7.89% APR available to qualified borrowers: 1). Requesting a minimum loan amount of $7,500; 2) With a bank-obtained credit score of at least 740; 3). Who have an eligible CBNA checking account (Includes: CBNA Carefree Checking, Premium Checking, or 50 Direct Checking); AND 4). With autopay from an eligible CBNA checking account. Maximum Loan Term is 60 months. Minimum Period for Repayment: 12 Months. Credit scores below 740 can range up to a maximum APR of 16.00% (rate without eligible CBNA checking account discount and without autopay discount). No origination fee, No Pre-payment penalty fee. For example, a 60-month $15,000 unsecured loan with an 7.89% interest rate would have 60 scheduled monthly payments of approximately $303.37.Other terms and conditions may apply. Call for details.
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No additional details available.
As Low As; Up to $5,000.00; Special ends 3/31/2026
No additional details available.
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Secured by Shares
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Actual rate offered may vary.
No additional details available.
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Call the Credit Union for More Details or to Apply!
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(seasonal)
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Actual rate offered may vary.
No additional details available.
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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.
No additional details available.
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Credit Limit: $7,500 Single / $15,000 Joint Maximum
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Fixed rates
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$50,000; As Low As
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As Low As; Winter Loan Sale
Your interest rate and monthly payments can fluctuate during the repayment period.
Variable rates
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New money only, promotional Rate
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Offer valid on equipment term loans only. No lines of credit. Offer expires 4/15/2026. No refinancing of Northwest exisiting debt. SBA Loans and business credit cards are not eligible for promotional offer. All standard rates and terms apply. See bank for detials.
No additional details available.
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available October 15th
No additional details available.
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1-Year Loan Term
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Minimum Loan Amount: $500 | Maximum Loan Amount: $1,000
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$3,000; available October 15- December 29, 2025
available October 15- December 29
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As; Regular APR: 14.00%
As Low As; With 1st National Deposit Account as Collateral
No additional details available.
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As Low As; Rates are based on credit history and term
Range: 730+; Rating: A+; Max Term
As Low As; Credit Score 730+
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds must be paid directly to college or university OR direct to pay off existing student loans. There is no payment deferment.
No additional details available.
As Low As; RATES AND AMOUNTS ARE BASED ON CREDIT HISTORY
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As Low As; Must be used to transfer credit cards or outstanding loans only and cannot be used to pay off existing GWFCU loans or credit cards - Only Available to "A+," "A," "B," and "C."
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As Low As; w/ Auto Pay Discount
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As Low As; Winter Loan Sale
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As Low As; RATES AND AMOUNTS ARE BASED ON CREDIT HISTORY
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Range: 640-679; Rating: B; Max Term
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
As Low As; Credit Score 640-679
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As Low As; Special fixed up to 15 months!
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As Low As; Rates as low as 5.625% (6.508% APR)
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No additional details available.
As Low As; Credit Score 600-639
As Low As; RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
No additional details available.
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As Low As; Rates are based on credit history and term
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Range: 600-639; Rating: C; Max Term
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As Low As; New electronics, home renovations, catch up on bills.
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new rates require a minimum advance of $1,000.00
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As Low As; Offer available through August 31, 2026.
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As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
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Secured by Share Certificate
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New money only, promotional Rate
No additional details available.
Maximum Financing: $20,000
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As Low As; Only Available to "A+," "A," "B," and "C." Purchase or Refinance. Available for single residential lots up to 5 acres. Same requirements as First Mortgage Loans incl. app fee.
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Credit Limit: $10,000 Single / $20,000 Joint Maximum
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$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
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No additional details available.
No additional details available.
Credit Score: 730 +
As Low As; Advertised Annual Percentage Rate accurate as of 7/22/2025 and are subject to change without notice. 7.89% APR available to qualified borrowers: 1). Requesting a minimum loan amount of $7,500; 2) With a bank-obtained credit score of at least 740; 3). Who have an eligible CBNA checking account (Includes: CBNA Carefree Checking, Premium Checking, or 50 Direct Checking); AND 4). With autopay from an eligible CBNA checking account. Maximum Loan Term is 60 months. Minimum Period for Repayment: 12 Months. Credit scores below 740 can range up to a maximum APR of 16.00% (rate without eligible CBNA checking account discount and without autopay discount). No origination fee, No Pre-payment penalty fee. For example, a 60-month $15,000 unsecured loan with an 7.89% interest rate would have 60 scheduled monthly payments of approximately $303.37.Other terms and conditions may apply. Call for details.
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Secured by Shares
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As; Max $2,500
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No additional details available.
1-Year Loan Term
As Low As; With 1st National Deposit Account as Collateral
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As; Credit Score 730+
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Range: 730+; Rating: A+; Max Term
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As Low As; Credit Score 640-679
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Range: 640-679; Rating: B; Max Term
As Low As; Special fixed up to 15 months!
No additional details available.
As Low As; RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
Range: 600-639; Rating: C; Max Term
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
As Low As; Credit Score 600-639
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No additional details available.
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Secured by Share Certificate
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No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
Maximum Financing: $20,000
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As; New electronics, home renovations, catch up on bills.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
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No additional details available.
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Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As; Borrow up to $10,000.00, Delay first payment for 60 days
No additional details available.
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Credit Limit: $10,000 Single / $20,000 Joint Maximum
No additional details available.
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Qualifications Required: direct deposit of net pay; a checking account; As Low As; Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms.
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As Low As; Amount of Loan: Up to $20,000
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As Low As; 12-24 months max
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up to 48 months
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49 to 60 months
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As Low As; 25-60 months max
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discount with direct deposit; $20 application fee; 1% origination fee* (upon approval of the loan)
No additional details available.
No additional details available.
new rates require a minimum advance of $1,000.00
Maximum Financing: $20,000
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
Adams, NY Personal Loan Rate Trends
Compare local Adams, NY 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.
New York personal loan rates fell 0.213 points over the past 7 days to 9.802% APR.
New York signature loan rates rose 0.397 points over the past 7 days to 9.648% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in New York?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in New York?
Are credit unions or banks better for personal loans in Adams, New York?
What are the best personal loan rates in Adams, New York?
- Community Bank: 7.89% (Unsecured personal loan)
- Northern Credit Union: 9.24% (Personal Loan)
- GPO Federal Credit Union: 3.99% (Boost Credit Loan)
- TrustCo Bank: 4.00% (Passbook Loan)
- Olean Teachers And Postal Federal Credit Union: 4.49% (March Madness Loan Special)
Personal Loan Calculators
