Best Personal Loan Rates in Champlain, New York (NY) - March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio →
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.
Current personal loan options available to borrowers in Champlain, New York include: Community BankCommunity Bank864 State Route 11, Champlain, NY, 12919A+5.0 ★Texas Ratio: 3.23% offering Unsecured Personal loan at 7.89% APR, Dannemora Federal Credit UnionDannemora Federal Credit Union10 Elm St, Champlain, NY, 12919A+5.0 ★Texas Ratio: 2.54% offering Signature Loans at 9.00% APR, SERVU Federal Credit UnionSERVU Federal Credit Union9823 Science Center Dr, Painted Post, NY, 14870A+5.0 ★Texas Ratio: 3.28% offering Here for you Loan at 3.99% APR, TrustCo BankTrustCo Bank112 State St, Albany, NY, 12207A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, and Directors Choice Credit UnionDirectors Choice Credit Union1 South Family Drive, Albany, NY, 12205A+5.0 ★Texas Ratio: 0.00% offering Share Pledged Loan at 4.00% APR.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Champlain, New York can save you significantly over the life of your loan.
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 Champlain, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Champlain, 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: March 21, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
864 State Route 11, Champlain, NY, 12919
Unsecured Personal loan
7.89%
▼
APR7.89%
Last UpdatedMarch 21, 2026
Details
FIXED APR WITH AUTO PAY
Dannemora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
10 Elm St, Champlain, NY, 12919
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedMarch 21, 2026
Details
As Low As; $12,500 Max. Based on Individual Income
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
9823 Science Center Dr, Painted Post, NY, 14870
Here for you Loan
3.99%
▼
APR3.99%
Last UpdatedMarch 21, 2026
Details
New money only, promotional rate
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY, 12207
Passbook Loan
4.00%
▼
APR4.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 South Family Drive, Albany, NY, 12205
Share Pledged Loan
4.00%
▼
APR4.00%
Last UpdatedMarch 21, 2026
Details
Above Shares Yield
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMarch 21, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Solar Loan
4.74%
▼
APR4.74%
Last UpdatedMarch 21, 2026
Details
Actual rate offered may vary.
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY, 13413 6207
Mechanical Breakdown Protection Loan
4.74%
▼
APR4.74%
Last UpdatedMarch 21, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Boost Credit Loan
4.74%
▼
APR4.74%
Last UpdatedMarch 21, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Save & Boost Credit Loan
4.74%
▼
APR4.74%
Last UpdatedMarch 21, 2026
Details
As Low As
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY, 12306
Personal Loans & Lines of Credit
4.74%
▼
APR4.74%
Last UpdatedMarch 21, 2026
Details
Secured by Shares
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
12 Month Short Term Loan
4.75%
▼
APR4.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY, 10701
Pledge of shares Interest Only Loan-Single Payment (Max 1 Year)
4.75%
▼
APR4.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMarch 21, 2026
Details
As Low As
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
132 Cayuga Rd, Cheektowaga, NY, 14225
Personal Signature Loans
4.90%
▼
APR4.90%
Last UpdatedMarch 21, 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 Loan Special
4.95%
▼
APR4.95%
Last UpdatedMarch 21, 2026
Details
As Low As; Only Available to "A+", "A", "B", and "C"
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
4.99%
▼
APR4.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY, 13202
Holiday Loan
4.99%
▼
APR4.99%
Last UpdatedMarch 21, 2026
Details
(seasonal)
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
120 Motor Pkwy, Hauppauge, NY, 11788 5152
Refinance Current Loans
4.99%
▼
APR4.99%
Last UpdatedMarch 21, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Solar Loan
4.99%
▼
APR4.99%
Last UpdatedMarch 21, 2026
Details
Actual rate offered may vary.
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%
▼
APR5.00%
Last UpdatedMarch 21, 2026
Details
As Low As; Unless noted, all payroll deducted loans will receive an additional .25% off loan rates shown. The credit union offers member pay insurance for life & disability for your loans. Please do not be confused with additional insurances that you may have with others as it does not apply to your loans at NFTFCU. All Loan Rates are stated in terms of Annual Percentage Rate (APR). Loan Rates are for qualified members.
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
107 Broadway, Hornell, NY, 14843
Short Term Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
15 Month Short Term Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 21, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Recreational Loans
5.00%
▼
APR5.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 21, 2026
Details
As Low As
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
9823 Science Center Dr, Painted Post, NY, 14870
Promotional Loan
5.24%
▼
APR5.24%
Last UpdatedMarch 21, 2026
Details
No additional details available.
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY, 13413 6207
Equipment Loan
5.24%
▼
APR5.24%
Last UpdatedMarch 21, 2026
Details
As Low As
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1001 North St, Endicott, NY, 13760
Medical Residency Refinance Loan - Fixed
5.45%
▼
APR5.45%
Last UpdatedMarch 21, 2026
Details
As Low As; 9.99%
Rome Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.07%
937 Seneca St, Rome, NY, 13440
Unsecured Personal Loan
5.49%
▼
APR5.49%
Last UpdatedMarch 21, 2026
Details
As Low As; Max $2,500
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
165 W 46th St, New York, NY, 10036 2508
Musical Instruments Loans Tier Two - Loans up to $250,000
5.49%
▼
APR5.49%
Last UpdatedMarch 21, 2026
Details
$50,000; As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Mechanical Breakdown Protection Loan
5.49%
▼
APR5.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
5.50%
▼
APR5.50%
Last UpdatedMarch 21, 2026
Details
As Low As
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1001 North St, Endicott, NY, 13760
Medical Residency Refinance Loan - Variable
5.51%
▼
APR5.51%
Last UpdatedMarch 21, 2026
Details
As Low As; 10.31%APR
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1001 North St, Endicott, NY, 13760
Variable Rate Loan
5.51%
▼
APR5.51%
Last UpdatedMarch 21, 2026
Details
Your interest rate and monthly payments can fluctuate during the repayment period.
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Payment Saver Lease-Like Loan (2021-2027)
5.74%
▼
APR5.74%
Last UpdatedMarch 21, 2026
Details
As Low As
Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
924 Turin St, Rome, NY, 13440
Personal Loan
5.74%
▼
APR5.74%
Last UpdatedMarch 21, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY, 13413 6207
Equipment Loan
5.74%
▼
APR5.74%
Last UpdatedMarch 21, 2026
Details
As Low As
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
5.75%
▼
APR5.75%
Last UpdatedMarch 21, 2026
Details
As Low As
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
28 Church St, Hoosick Falls, NY, 12090
Heating Loan
5.75%
▼
APR5.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
600 Thayer Rd, West Point, NY, 10996 1726
VA Loan
5.81%
▼
APR5.81%
Last UpdatedMarch 21, 2026
Details
No additional details available.
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
Vacation Loan
5.90%
▼
APR5.90%
Last UpdatedMarch 21, 2026
Details
No additional details available.
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
100 Port Washington Blvd, Roslyn, NY, 11576
Personal Loan
5.90%
▼
APR5.90%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
600 Thayer Rd, West Point, NY, 10996 1726
VA Refi Loan
5.94%
▼
APR5.94%
Last UpdatedMarch 21, 2026
Details
No additional details available.
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
9823 Science Center Dr, Painted Post, NY, 14870
Collateral Loan
5.99%
▼
APR5.99%
Last UpdatedMarch 21, 2026
Details
New money only, promotional Rate
VAN CORTLANDT COOPERATIVE
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
3960 Hillman Ave, Bronx, NY, 10463
All Purpose Loan
5.99%
▼
APR5.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Holiday Loan
5.99%
▼
APR5.99%
Last UpdatedMarch 21, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY, 13413 6207
Holiday Loan
5.99%
▼
APR5.99%
Last UpdatedMarch 21, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY, 13413 6207
RFMC Bicycle Loan
5.99%
▼
APR5.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY, 13413 6207
Equipment Loan
5.99%
▼
APR5.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Kenmore NY Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
2265 Sheridan Dr, Buffalo, NY, 14223 1531
UnLOCk Personal Line-of-Credit
5.99%
▼
APR5.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Northwest Bank Warren, PA
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
311 E Fairmount Ave, Lakewood, NY, 14750
Equipment Term Loans
5.99%
▼
APR5.99%
Last UpdatedMarch 21, 2026
Details
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.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan Special
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New other collateral loans
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
464 Fairview Ave, Hudson, NY, 12534
Fuel Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Tri-Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
197 Broadway, Saranac Lake, NY, 12983
Loans
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
Personal Loan Special
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
1-Year Loan Term
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Debt Consolidation
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
Credit Limit: $10,000 Single / $20,000 Joint Maximum
TCT Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
416 Rowland St, Ballston Spa, NY, 12020
Credit Builder Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
Minimum Loan Amount: $500 | Maximum Loan Amount: $1,000
Plattsburgh City School District Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
49 Broad St Ste 101, Plattsburgh, NY, 12901 3311
Holiday Loans
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
available October 15th
Plattsburgh City School District Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
49 Broad St Ste 101, Plattsburgh, NY, 12901 3311
Holiday Loan Special
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Plattsburgh City School District Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
49 Broad St Ste 101, Plattsburgh, NY, 12901 3311
Holiday Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
available October 15- December 29
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Watertown Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
232 COMMERCE PARK DR, WATERTOWN, NY, 13601
Unsecured Loans
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
As Low As; Regular APR: 14.00%
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY, 12302
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
As Low As; With 1st National Deposit Account as Collateral
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Holiday Loans
6.05%
▼
APR6.05%
Last UpdatedMarch 21, 2026
Details
As Low As; Loan amount maximum of $2,000
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
9823 Science Center Dr, Painted Post, NY, 14870
Special Promotional Loan
6.24%
▼
APR6.24%
Last UpdatedMarch 21, 2026
Details
No additional details available.
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New other collateral loans
6.25%
▼
APR6.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Tri-Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
197 Broadway, Saranac Lake, NY, 12983
Loans
6.25%
▼
APR6.25%
Last UpdatedMarch 21, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loans (CLOSED END)
6.25%
▼
APR6.25%
Last UpdatedMarch 21, 2026
Details
As Low As; Range: 730+, Rating: A+
Cattaraugus County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
100 Fair Oak St, Little Valley, NY, 14755
Recreational Loans (2022 and Newer)
6.25%
▼
APR6.25%
Last UpdatedMarch 21, 2026
Details
As Low As; Rates are based on credit history and term
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan Special
6.25%
▼
APR6.25%
Last UpdatedMarch 21, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
College Loan Special
6.25%
▼
APR6.25%
Last UpdatedMarch 21, 2026
Details
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.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Balance Transfer Loan Special
6.25%
▼
APR6.25%
Last UpdatedMarch 21, 2026
Details
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."
Griffith Institute Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
64 E Main St Ste 3, Springville, NY, 14141
New Recreational Loans
6.25%
▼
APR6.25%
Last UpdatedMarch 21, 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
Personal Loan
6.25%
▼
APR6.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
MOOG EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Land Loans
6.30%
▼
APR6.30%
Last UpdatedMarch 21, 2026
Details
No additional details available.
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Personal Loans
6.39%
▼
APR6.39%
Last UpdatedMarch 21, 2026
Details
As Low As; w/ Auto Pay Discount
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
Personal Loans 1 - 3 Years Unsecured
6.40%
▼
APR6.40%
Last UpdatedMarch 21, 2026
Details
As Low As
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
600 Thayer Rd, West Point, NY, 10996 1726
FHA Loan
6.41%
▼
APR6.41%
Last UpdatedMarch 21, 2026
Details
No additional details available.
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Personal Loans
6.49%
▼
APR6.49%
Last UpdatedMarch 21, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 6.39%
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
9823 Science Center Dr, Painted Post, NY, 14870
Collateral Loan
6.49%
▼
APR6.49%
Last UpdatedMarch 21, 2026
Details
No additional details available.
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Payment Saver Lease-Like Loan (2021-2027)
6.49%
▼
APR6.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
27 W Main St, Fillmore, NY, 14735
Personal Loan
6.49%
▼
APR6.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Tri-Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
197 Broadway, Saranac Lake, NY, 12983
Loans
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
As Low As
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
Used other collateral loans
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New other collateral loans
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
As Low As
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
Personal Lifestyle Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
As Low As; Up to 24 months
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 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
Personal Loans (CLOSED END)
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
As Low As; Range: 640-679, Rating: B
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan Special
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Kingston, NY, 12401
Fixed Equity Loan (5 Year)
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
497 Electronics Pkwy, Liverpool, NY, 13088 6062
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
As Low As; Special fixed up to 15 months!
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
107 Broadway, Hornell, NY, 14843
Collateral Loans
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
Amount: Up to $20000
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
473 Broadway, Saratoga Springs, NY, 12866
Fixed Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
ATT-WYO Correctional Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
221 Main St, Attica, NY, 14011 1204
Recreational loans
6.74%
▼
APR6.74%
Last UpdatedMarch 21, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY, 13413 6207
Equipment Loan
6.74%
▼
APR6.74%
Last UpdatedMarch 21, 2026
Details
As Low As
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
33 57 Harrison St, Johnson City, NY, 13790
New Sports Craft Loans 2024- 2026
6.74%
▼
APR6.74%
Last UpdatedMarch 21, 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
Personal Loans (CLOSED END)
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
As Low As; Range: 600-639, Rating: C
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
Used other collateral loans
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New other collateral loans
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
215 Park Row, New York, NY, 10038
Personal Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2520 Browncroft Blvd, Rochester, NY, 14625
Pool and Hardscape Loans
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
As Low As
Cattaraugus County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
100 Fair Oak St, Little Valley, NY, 14755
Recreational Loans (2022 and Newer)
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
As Low As; Rates are based on credit history and term
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan Special
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A+ New
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A New
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 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
Personal Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
107 Broadway, Hornell, NY, 14843
Unsecured
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
656 N French Rd Ste 7, Amherst, NY, 14228 2104
Signature
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Kingston, NY, 12401
Fixed Equity Loan (10 Year)
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY, 10007 1823
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedMarch 21, 2026
Details
As Low As
NY FIREFIGHTERS BRAVEST
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
532 central ave, albany, NY, 12206
Personal/Unsecured/Debt Consolidation
6.84%
▼
APR6.84%
Last UpdatedMarch 21, 2026
Details
As Low As; New electronics, home renovations, catch up on bills.
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
100 Port Washington Blvd, Roslyn, NY, 11576
Personal Loan
6.90%
▼
APR6.90%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
14202 20th Ave, Flushing, NY, 11351 3000
Signature Loans
6.90%
▼
APR6.90%
Last UpdatedMarch 21, 2026
Details
new rates require a minimum advance of $1,000.00
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY, 10580
HELOAN - Primary Residence - 80% CLTV - 5 Year
6.93%
▼
APR6.93%
Last UpdatedMarch 21, 2026
Details
As Low As
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
27 Seneca St, Geneva, NY, 14456 3502
Personal Unsecured
6.95%
▼
APR6.95%
Last UpdatedMarch 21, 2026
Details
As Low As
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2520 Browncroft Blvd, Rochester, NY, 14625
Pool and Hardscape Loans
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY, 12306
Personal Loans & Lines of Credit
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
Secured by Share Certificate
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 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
Holiday Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
Available 10/1/25-12/31/25; $500 - $3,000
Western Division Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6750 MAIN ST, WILLIAMSVILLE, NY, 14221
Ditch the Debt
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
Available 1/1/26-3/31/26; No Balance Transfer Fees; 6.99% until Balance is Paid in Full
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
14 Talmadge Ct, Monroe, NY, 10950 1526
Unsecured Loans
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
33 57 Harrison St, Johnson City, NY, 13790
New Sports Craft Loans 2024- 2026
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2520 Browncroft Blvd, Rochester, NY, 14625
Personal Loans
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
As Low As
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
9823 Science Center Dr, Painted Post, NY, 14870
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
As Low As
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
9823 Science Center Dr, Painted Post, NY, 14870
Collateral Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
New money only, promotional Rate
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1425 Jefferson Rd, Rochester, NY, 14623
Equity Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY, 13413 6207
Equipment Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
As Low As
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
8599 Erie Rd, Angola, NY, 14006
Personal Loan Unsecured
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 02/17/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000 ($5,000 for automobile loans), minimum credit score is 730, and maximum term is 36 months (48 months for automobile loans). Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
9823 Science Center Dr, Painted Post, NY, 14870
Personal Loans Borrow
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
up to $20,000
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Debt Consolidation
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
Credit Limit: $10,000 Single / $20,000 Joint Maximum
Oswego County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
90 E Bridge St, Oswego, NY, 13126
Family First Loan 1- 12 mos. A+
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
Credit Score: 730 +
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
Personal Loans - Signature (Unsecured)
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2520 Browncroft Blvd, Rochester, NY, 14625
Pool and Hardscape Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Land Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
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.
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
21 N Portage St, Westfield, NY, 14787
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A+
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
2 Wilson Ave, Bath, NY, 14810 1634
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
Up to $3,000 for 36 months @ 6.00%
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
2 Wilson Ave, Bath, NY, 14810 1634
Other Collateral Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A+ New
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A New
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY, 13502
Personal Unsecured
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
473 Broadway, Saratoga Springs, NY, 12866
Fixed Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Oswego County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
90 E Bridge St, Oswego, NY, 13126
Signature Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
As Low As; longer terms with slightly higher rates are available
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
864 State Route 11, Champlain, NY, 12919
Unsecured Personal loan
7.89%
▼
APR7.89%
Last UpdatedMarch 21, 2026
Details
FIXED APR WITH AUTO PAY
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY, 12306
Personal Loans & Lines of Credit
4.74%
▼
APR4.74%
Last UpdatedMarch 21, 2026
Details
Secured by Shares
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
107 Broadway, Hornell, NY, 14843
Short Term Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 21, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Rome Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.07%
937 Seneca St, Rome, NY, 13440
Unsecured Personal Loan
5.49%
▼
APR5.49%
Last UpdatedMarch 21, 2026
Details
As Low As; Max $2,500
Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
924 Turin St, Rome, NY, 13440
Personal Loan
5.74%
▼
APR5.74%
Last UpdatedMarch 21, 2026
Details
As Low As
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
100 Port Washington Blvd, Roslyn, NY, 11576
Personal Loan
5.90%
▼
APR5.90%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
Personal Loan Special
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
1-Year Loan Term
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan Special
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY, 12302
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
As Low As; With 1st National Deposit Account as Collateral
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan
6.25%
▼
APR6.25%
Last UpdatedMarch 21, 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
Personal Loan Special
6.25%
▼
APR6.25%
Last UpdatedMarch 21, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loans (CLOSED END)
6.25%
▼
APR6.25%
Last UpdatedMarch 21, 2026
Details
As Low As; Range: 730+, Rating: A+
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Personal Loans
6.39%
▼
APR6.39%
Last UpdatedMarch 21, 2026
Details
As Low As; w/ Auto Pay Discount
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
Personal Loans 1 - 3 Years Unsecured
6.40%
▼
APR6.40%
Last UpdatedMarch 21, 2026
Details
As Low As
Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
27 W Main St, Fillmore, NY, 14735
Personal Loan
6.49%
▼
APR6.49%
Last UpdatedMarch 21, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Personal Loans
6.49%
▼
APR6.49%
Last UpdatedMarch 21, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 6.39%
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loans (CLOSED END)
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
As Low As; Range: 640-679, Rating: B
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 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
Personal Loan Special
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
497 Electronics Pkwy, Liverpool, NY, 13088 6062
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
As Low As; Special fixed up to 15 months!
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 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
Personal Loan Special
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loans (CLOSED END)
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
As Low As; Range: 600-639, Rating: C
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
215 Park Row, New York, NY, 10038
Personal Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY, 10007 1823
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedMarch 21, 2026
Details
As Low As
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
100 Port Washington Blvd, Roslyn, NY, 11576
Personal Loan
6.90%
▼
APR6.90%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY, 12306
Personal Loans & Lines of Credit
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
Secured by Share Certificate
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
9823 Science Center Dr, Painted Post, NY, 14870
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2520 Browncroft Blvd, Rochester, NY, 14625
Personal Loans
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
As Low As
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
9823 Science Center Dr, Painted Post, NY, 14870
Personal Loans Borrow
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
up to $20,000
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
8599 Erie Rd, Angola, NY, 14006
Personal Loan Unsecured
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 02/17/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000 ($5,000 for automobile loans), minimum credit score is 730, and maximum term is 36 months (48 months for automobile loans). Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
2 Wilson Ave, Bath, NY, 14810 1634
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
Up to $3,000 for 36 months @ 6.00%
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
21 N Portage St, Westfield, NY, 14787
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
Personal Loans - Signature (Unsecured)
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Debt Consolidation
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
Credit Limit: $10,000 Single / $20,000 Joint Maximum
NY FIREFIGHTERS BRAVEST
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
532 central ave, albany, NY, 12206
Personal/Unsecured/Debt Consolidation
6.84%
▼
APR6.84%
Last UpdatedMarch 21, 2026
Details
As Low As; New electronics, home renovations, catch up on bills.
Western Division Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6750 MAIN ST, WILLIAMSVILLE, NY, 14221
Ditch the Debt
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
Available 1/1/26-3/31/26; No Balance Transfer Fees; 6.99% until Balance is Paid in Full
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Debt Consolidation
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
Credit Limit: $10,000 Single / $20,000 Joint Maximum
VAN CORTLANDT COOPERATIVE
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
3960 Hillman Ave, Bronx, NY, 10463
Debt Consolidation
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
VAN CORTLANDT COOPERATIVE
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
3960 Hillman Ave, Bronx, NY, 10463
Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Debt Consolidation
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
Credit Limit: $10,000 Single / $20,000 Joint Maximum
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY, 14624 4537
Debt Relief Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
As Low As; Borrow up to $10,000.00, Delay first payment for 60 days
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
107 Broadway, Hornell, NY, 14843
Debt Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Debt Consolidation
8.99%
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
Debt Consolidation Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Debt Consolidation
9.00%
▼
APR9.00%
Last UpdatedMarch 21, 2026
Details
Credit Limit: $10,000 Single / $20,000 Joint Maximum
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2520 Browncroft Blvd, Rochester, NY, 14625
Debt Consolidation
9.24%
▼
APR9.24%
Last UpdatedMarch 21, 2026
Details
As Low As
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
12 Months Debt Consolidation Loan
9.25%
▼
APR9.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY, 13202
Debt Consolidation
9.74%
▼
APR9.74%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
125 Wireless Blvd, Hauppauge, NY, 11788 3971
Debt Consolidation Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 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.
Tri State Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
28 Church St, Hoosick Falls, NY, 12090
Debt Consolidation Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
As Low As; [1](https://www.hfcuvt.com/#ftnt-1)
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
27 Seneca St, Geneva, NY, 14456 3502
Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
225 W Broad St, Rochester, NY, 14608
Debt Consolidation
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2520 Browncroft Blvd, Rochester, NY, 14625
Debt Consolidation
10.20%
▼
APR10.20%
Last UpdatedMarch 21, 2026
Details
As Low As
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY, 13202
Debt Consolidation
10.24%
▼
APR10.24%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Metro Realtors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
535 Broadhollow Rd Ste A4, Melville, NY, 11747
Debt Consolidation
10.24%
▼
APR10.24%
Last UpdatedMarch 21, 2026
Details
As Low As
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
13 - 24 Months Debt Consolidation Loan
10.25%
▼
APR10.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Debt Consolidation
10.49%
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY, 13202
Debt Consolidation
10.49%
▼
APR10.49%
Last UpdatedMarch 21, 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
10.50%
▼
APR10.50%
Last UpdatedMarch 21, 2026
Details
As Low As; 12-24 months max
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
225 W Broad St, Rochester, NY, 14608
Debt Consolidation
10.70%
▼
APR10.70%
Last UpdatedMarch 21, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Debt Consolidation Unsecured
10.74%
▼
APR10.74%
Last UpdatedMarch 21, 2026
Details
up to 48 months
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Debt Consolidation Unsecured
10.89%
▼
APR10.89%
Last UpdatedMarch 21, 2026
Details
49 to 60 months
Brockport Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.45%
400 West Ave, Brockport, NY, 14420 1122
Debt Consolidation Loans
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
As Low As
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
25 - 36 Months Debt Consolidation Loan
11.25%
▼
APR11.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
7 Front St, Rockville Centre, NY, 11570
Debt Consolidation Loans
11.49%
▼
APR11.49%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
27 Seneca St, Geneva, NY, 14456 3502
Debt Consolidation
11.49%
▼
APR11.49%
Last UpdatedMarch 21, 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
Debt Consolidation
11.50%
▼
APR11.50%
Last UpdatedMarch 21, 2026
Details
As Low As; 25-60 months max
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
225 W Broad St, Rochester, NY, 14608
Debt Consolidation
11.70%
▼
APR11.70%
Last UpdatedMarch 21, 2026
Details
As Low As
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
37 - 48 Months Debt Consolidation Loan
12.20%
▼
APR12.20%
Last UpdatedMarch 21, 2026
Details
No additional details available.
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
2401 44th Rd, Long Island City, NY, 11101
Debt consolidation
12.45%
▼
APR12.45%
Last UpdatedMarch 21, 2026
Details
As Low As
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
27 Seneca St, Geneva, NY, 14456 3502
Debt Consolidation
12.49%
▼
APR12.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
924 Turin St, Rome, NY, 13440
Debt Consolidation
13.24%
▼
APR13.24%
Last UpdatedMarch 21, 2026
Details
As Low As
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
49 - 60 Months (5K Plus) Debt Consolidation Loan
13.25%
▼
APR13.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Affinity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
35 Bardonia Rd, Bardonia, NY, 10954
Debt Consolidation Loan
13.50%
▼
APR13.50%
Last UpdatedMarch 21, 2026
Details
As Low As
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY, 12901
Debt Consolidation
13.50%
▼
APR13.50%
Last UpdatedMarch 21, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY, 12207
Debt Consolidation Loan
14.50%
▼
APR14.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
1112 Saint Nicholas Ave, New York, NY, 10032
Debt Consolidation Loans
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
discount with direct deposit
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Dannemora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
10 Elm St, Champlain, NY, 12919
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedMarch 21, 2026
Details
As Low As; $12,500 Max. Based on Individual Income
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
132 Cayuga Rd, Cheektowaga, NY, 14225
Personal Signature Loans
4.90%
▼
APR4.90%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
656 N French Rd Ste 7, Amherst, NY, 14228 2104
Signature
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
14202 20th Ave, Flushing, NY, 11351 3000
Signature Loans
6.90%
▼
APR6.90%
Last UpdatedMarch 21, 2026
Details
new rates require a minimum advance of $1,000.00
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
Personal Loans - Signature (Unsecured)
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Oswego County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
90 E Bridge St, Oswego, NY, 13126
Signature Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
As Low As; longer terms with slightly higher rates are available
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY, 12306
Solar Improvement Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY, 12306
Solar Improvement Loan
7.50%
▼
APR7.50%
Last UpdatedMarch 21, 2026
Details
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY, 12306
Solar Improvement Loan
7.75%
▼
APR7.75%
Last UpdatedMarch 21, 2026
Details
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
Powered by
MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in New York?
Most lenders in Champlain, 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 Champlain, 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 Champlain, 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 Champlain, New York?
Credit unions in Champlain, 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 Champlain, New York?
- Community Bank: 7.89% (Unsecured Personal loan)
- Dannemora Federal Credit Union: 9.00% (Signature Loans)
- SERVU Federal Credit Union: 3.99% (Here for you Loan)
- TrustCo Bank: 4.00% (Passbook Loan)
- Directors Choice Credit Union: 4.00% (Share Pledged Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Champlain, New York. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 21, 2026.
Personal Loan Calculators
