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Best Personal Loan Rates in Cortland, New York (NY) - April 2026

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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: April 4, 2026

Current personal loan options available to borrowers in Cortland, New York include: Citizens BankCitizens Bank3932 State Route 281, Cortland, NY, 13045A5.0 ★Texas Ratio: 8.28% offering Medical Residency Refinance Loan at 5.45% APR, NBT BankNBT Bank65 Main St, Cortland, NY, 13045A+5.0 ★Texas Ratio: 1.76% offering Personal Loan Unsecured at 8.59% APR, Chemung Canal Trust CompanyChemung Canal Trust Company1094 Groton Ave, Cortland, NY, 13045A+5.0 ★Texas Ratio: 4.40% offering Unsecured Personal Loan at 10.50% APR, AmeriCU Credit UnionAmeriCU Credit Union3944 NY 281, Cortland, NY, 13045A-4.9 ★Texas Ratio: 16.15% offering Unspecified Loan at 10.75% APR, and 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. Personal loan rates as of April 4, 2026 according to verified data from MonitorBankRates.

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 Cortland, 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 Cortland, New York.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Cortland, 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 4, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
3932 State Route 281, Cortland, NY, 13045
Medical Residency Refinance Loan
5.45%
View
▼
APR5.45%
Last UpdatedApril 4, 2026
Details

Fixed rates

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
3932 State Route 281, Cortland, NY, 13045
Medical Residency Refinance Loan
5.51%
View
▼
APR5.51%
Last UpdatedApril 4, 2026
Details

Variable rates

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
3932 State Route 281, Cortland, NY, 13045
Variable Rate Loan
5.51%
View
▼
APR5.51%
Last UpdatedApril 4, 2026
Details

Your interest rate and monthly payments can fluctuate during the repayment period.

NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
65 Main St, Cortland, NY, 13045
Personal Loan Unsecured
8.59%
View
▼
APR8.59%
Last UpdatedApril 4, 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 03/23/2026 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.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
3932 State Route 281, Cortland, NY, 13045
Medical Residency Refinance Loan
9.99%
View
▼
APR9.99%
Last UpdatedApril 4, 2026
Details

Fixed rates

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
3932 State Route 281, Cortland, NY, 13045
Medical Residency Refinance Loan
10.31%
View
▼
APR10.31%
Last UpdatedApril 4, 2026
Details

Variable rates

Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1094 Groton Ave, Cortland, NY, 13045
Unsecured Personal Loan
10.50%
View
▼
APR10.50%
Last UpdatedApril 4, 2026
Details

Credit Score: 740 & Above

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
3944 NY 281, Cortland, NY, 13045
Unspecified Loan
10.75%
View
▼
APR10.75%
Last UpdatedApril 4, 2026
Details

As Low As; Amount Financed up to $5,000

Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1094 Groton Ave, Cortland, NY, 13045
Unsecured Personal Loan
12.25%
View
▼
APR12.25%
Last UpdatedApril 4, 2026
Details

Credit Score: 700-739

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
3944 NY 281, Cortland, NY, 13045
Loan
17.99%
View
▼
APR17.99%
Last UpdatedApril 4, 2026
Details

$2,000 Max

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%
View
▼
APR3.99%
Last UpdatedApril 4, 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%
View
▼
APR4.00%
Last UpdatedApril 4, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Credit Builder Loan
4.50%
View
▼
APR4.50%
Last UpdatedApril 4, 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%
View
▼
APR4.64%
Last UpdatedApril 4, 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%
View
▼
APR4.74%
Last UpdatedApril 4, 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%
View
▼
APR4.74%
Last UpdatedApril 4, 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%
View
▼
APR4.74%
Last UpdatedApril 4, 2026
Details

Secured by Shares

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%
View
▼
APR4.74%
Last UpdatedApril 4, 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%
View
▼
APR4.74%
Last UpdatedApril 4, 2026
Details

As Low As

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%
View
▼
APR4.75%
Last UpdatedApril 4, 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%
View
▼
APR4.80%
Last UpdatedApril 4, 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%
View
▼
APR4.90%
Last UpdatedApril 4, 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%
View
▼
APR4.95%
Last UpdatedApril 4, 2026
Details

As Low As; Only Available to "A+", "A", "B", and "C"

Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY, 13202
Holiday Loan
4.99%
View
▼
APR4.99%
Last UpdatedApril 4, 2026
Details

(seasonal)

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Loan
4.99%
View
▼
APR4.99%
Last UpdatedApril 4, 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
4.99%
View
▼
APR4.99%
Last UpdatedApril 4, 2026
Details

As Low As

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%
View
▼
APR4.99%
Last UpdatedApril 4, 2026
Details

No additional details available.

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%
View
▼
APR4.99%
Last UpdatedApril 4, 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%
View
▼
APR5.00%
Last UpdatedApril 4, 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.

District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
107 Broadway, Hornell, NY, 14843
Short Term Personal Loan
5.00%
View
▼
APR5.00%
Last UpdatedApril 4, 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%
View
▼
APR5.00%
Last UpdatedApril 4, 2026
Details

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

Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
5.00%
View
▼
APR5.00%
Last UpdatedApril 4, 2026
Details

As Low As

Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Recreational Loans
5.00%
View
▼
APR5.00%
Last UpdatedApril 4, 2026
Details

As Low As

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%
View
▼
APR5.00%
Last UpdatedApril 4, 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
Loan
5.14%
View
▼
APR5.14%
Last UpdatedApril 4, 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%
View
▼
APR5.24%
Last UpdatedApril 4, 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%
View
▼
APR5.24%
Last UpdatedApril 4, 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 UpdatedApril 4, 2026
Details

As Low As; with 1year repayment

Rome Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.07%
937 Seneca St, Rome, NY, 13440
Unsecured Personal Loan
5.49%
View
▼
APR5.49%
Last UpdatedApril 4, 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%
View
▼
APR5.49%
Last UpdatedApril 4, 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%
View
▼
APR5.49%
Last UpdatedApril 4, 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%
View
▼
APR5.50%
Last UpdatedApril 4, 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
Payment Saver Lease-Like Loan (2021-2027)
5.74%
View
▼
APR5.74%
Last UpdatedApril 4, 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%
View
▼
APR5.74%
Last UpdatedApril 4, 2026
Details

As Low As

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Loan
5.74%
View
▼
APR5.74%
Last UpdatedApril 4, 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%
View
▼
APR5.74%
Last UpdatedApril 4, 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%
View
▼
APR5.75%
Last UpdatedApril 4, 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%
View
▼
APR5.75%
Last UpdatedApril 4, 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%
View
▼
APR5.90%
Last UpdatedApril 4, 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%
View
▼
APR5.90%
Last UpdatedApril 4, 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
5.91%
View
▼
APR5.91%
Last UpdatedApril 4, 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%
View
▼
APR5.99%
Last UpdatedApril 4, 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%
View
▼
APR5.99%
Last UpdatedApril 4, 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
Holiday Loan
5.99%
View
▼
APR5.99%
Last UpdatedApril 4, 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
Holiday Loan
5.99%
View
▼
APR5.99%
Last UpdatedApril 4, 2026
Details

As Low As

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%
View
▼
APR5.99%
Last UpdatedApril 4, 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.

VAN CORTLANDT COOPERATIVE
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
3960 Hillman Ave, Bronx, NY, 10463
All Purpose Loan
5.99%
View
▼
APR5.99%
Last UpdatedApril 4, 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%
View
▼
APR5.99%
Last UpdatedApril 4, 2026
Details

New money only, promotional Rate

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%
View
▼
APR5.99%
Last UpdatedApril 4, 2026
Details

No additional details available.

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%
View
▼
APR6.00%
Last UpdatedApril 4, 2026
Details

No additional details available.

FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY, 12302
Personal Loan
6.00%
View
▼
APR6.00%
Last UpdatedApril 4, 2026
Details

As Low As; With 1st National Deposit Account as Collateral

Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
6.00%
View
▼
APR6.00%
Last UpdatedApril 4, 2026
Details

As Low As

Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
6.00%
View
▼
APR6.00%
Last UpdatedApril 4, 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
Debt Consolidation
6.00%
View
▼
APR6.00%
Last UpdatedApril 4, 2026
Details

Credit Limit: $10,000 Single / $20,000 Joint Maximum

Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
Personal Loan Special
6.00%
View
▼
APR6.00%
Last UpdatedApril 4, 2026
Details

1-Year Loan Term

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%
View
▼
APR6.00%
Last UpdatedApril 4, 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 Loans
6.00%
View
▼
APR6.00%
Last UpdatedApril 4, 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%
View
▼
APR6.00%
Last UpdatedApril 4, 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%
View
▼
APR6.00%
Last UpdatedApril 4, 2026
Details

available October 15- December 29

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%
View
▼
APR6.00%
Last UpdatedApril 4, 2026
Details

As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.

Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
464 Fairview Ave, Hudson, NY, 12534
Fuel Loan
6.00%
View
▼
APR6.00%
Last UpdatedApril 4, 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
6.00%
View
▼
APR6.00%
Last UpdatedApril 4, 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%
View
▼
APR6.00%
Last UpdatedApril 4, 2026
Details

As Low As

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%
View
▼
APR6.05%
Last UpdatedApril 4, 2026
Details

As Low As; Loan amount maximum of $2,000

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Loan
6.14%
View
▼
APR6.14%
Last UpdatedApril 4, 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
VA Refi Loan
6.20%
View
▼
APR6.20%
Last UpdatedApril 4, 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
Special Promotional Loan
6.24%
View
▼
APR6.24%
Last UpdatedApril 4, 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%
View
▼
APR6.25%
Last UpdatedApril 4, 2026
Details

As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.

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%
View
▼
APR6.25%
Last UpdatedApril 4, 2026
Details

As Low As; Rates are based on credit history and term

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%
View
▼
APR6.25%
Last UpdatedApril 4, 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)
6.25%
View
▼
APR6.25%
Last UpdatedApril 4, 2026
Details

Range: 730+; Rating: A+; Max Term

ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New other collateral loans
6.25%
View
▼
APR6.25%
Last UpdatedApril 4, 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%
View
▼
APR6.25%
Last UpdatedApril 4, 2026
Details

As Low As; Credit Score 730+

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%
View
▼
APR6.25%
Last UpdatedApril 4, 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."

Tri-Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
197 Broadway, Saranac Lake, NY, 12983
Loans
6.25%
View
▼
APR6.25%
Last UpdatedApril 4, 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
College Loan Special
6.25%
View
▼
APR6.25%
Last UpdatedApril 4, 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.

MOOG EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Land Loans
6.30%
View
▼
APR6.30%
Last UpdatedApril 4, 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%
View
▼
APR6.39%
Last UpdatedApril 4, 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%
View
▼
APR6.40%
Last UpdatedApril 4, 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%
View
▼
APR6.49%
Last UpdatedApril 4, 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%
View
▼
APR6.49%
Last UpdatedApril 4, 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
Payment Saver Lease-Like Loan (2021-2027)
6.49%
View
▼
APR6.49%
Last UpdatedApril 4, 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
6.49%
View
▼
APR6.49%
Last UpdatedApril 4, 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%
View
▼
APR6.50%
Last UpdatedApril 4, 2026
Details

Range: 640-679; Rating: B; Max Term

Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
6.50%
View
▼
APR6.50%
Last UpdatedApril 4, 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%
View
▼
APR6.50%
Last UpdatedApril 4, 2026
Details

As Low As

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%
View
▼
APR6.50%
Last UpdatedApril 4, 2026
Details

As Low As; Special fixed up to 15 months!

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%
View
▼
APR6.50%
Last UpdatedApril 4, 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%
View
▼
APR6.50%
Last UpdatedApril 4, 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 Loan
6.50%
View
▼
APR6.50%
Last UpdatedApril 4, 2026
Details

As Low As; Credit Score 640-679

ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
Used other collateral loans
6.50%
View
▼
APR6.50%
Last UpdatedApril 4, 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%
View
▼
APR6.50%
Last UpdatedApril 4, 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
6.50%
View
▼
APR6.50%
Last UpdatedApril 4, 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
6.50%
View
▼
APR6.50%
Last UpdatedApril 4, 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
6.51%
View
▼
APR6.51%
Last UpdatedApril 4, 2026
Details

As Low As; Rates as low as 5.625% (6.508% APR)

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%
View
▼
APR6.74%
Last UpdatedApril 4, 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%
View
▼
APR6.74%
Last UpdatedApril 4, 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%
View
▼
APR6.74%
Last UpdatedApril 4, 2026
Details

As Low As

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%
View
▼
APR6.75%
Last UpdatedApril 4, 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%
View
▼
APR6.75%
Last UpdatedApril 4, 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%
View
▼
APR6.75%
Last UpdatedApril 4, 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
6.75%
View
▼
APR6.75%
Last UpdatedApril 4, 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%
View
▼
APR6.75%
Last UpdatedApril 4, 2026
Details

As Low As; Rates are based on credit history and term

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%
View
▼
APR6.75%
Last UpdatedApril 4, 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%
View
▼
APR6.75%
Last UpdatedApril 4, 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%
View
▼
APR6.75%
Last UpdatedApril 4, 2026
Details

Range: 600-639; Rating: C; Max 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
6.75%
View
▼
APR6.75%
Last UpdatedApril 4, 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 Loan
6.75%
View
▼
APR6.75%
Last UpdatedApril 4, 2026
Details

As Low As; Credit Score 600-639

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%
View
▼
APR6.75%
Last UpdatedApril 4, 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
6.75%
View
▼
APR6.75%
Last UpdatedApril 4, 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%
View
▼
APR6.75%
Last UpdatedApril 4, 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%
View
▼
APR6.75%
Last UpdatedApril 4, 2026
Details

No additional details available.

NY FIREFIGHTERS BRAVEST
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
532 central ave, albany, NY, 12206
Personal/Unsecured/Debt Consolidation
6.84%
View
▼
APR6.84%
Last UpdatedApril 4, 2026
Details

As Low As; New electronics, home renovations, catch up on bills.

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%
View
▼
APR6.84%
Last UpdatedApril 4, 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%
View
▼
APR6.90%
Last UpdatedApril 4, 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%
View
▼
APR6.90%
Last UpdatedApril 4, 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%
View
▼
APR6.93%
Last UpdatedApril 4, 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%
View
▼
APR6.95%
Last UpdatedApril 4, 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%
View
▼
APR6.99%
Last UpdatedApril 4, 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
6.99%
View
▼
APR6.99%
Last UpdatedApril 4, 2026
Details

No additional details available.

Western Division Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6750 MAIN ST, WILLIAMSVILLE, NY, 14221
Holiday Loan
6.99%
View
▼
APR6.99%
Last UpdatedApril 4, 2026
Details

Available 10/1/25-12/31/25

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%
View
▼
APR6.99%
Last UpdatedApril 4, 2026
Details

Available 1/1/26-3/31/26; No Balance Transfer Fees; 6.99% until Balance is Paid in Full

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY, 12306
Personal Loans & Lines of Credit
6.99%
View
▼
APR6.99%
Last UpdatedApril 4, 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 Loans Borrow
6.99%
View
▼
APR6.99%
Last UpdatedApril 4, 2026
Details

up to $20,000

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%
View
▼
APR6.99%
Last UpdatedApril 4, 2026
Details

As Low As; Borrow up to $20,000

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%
View
▼
APR6.99%
Last UpdatedApril 4, 2026
Details

As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1425 Jefferson Rd, Rochester, NY, 14623
Equity Loan
6.99%
View
▼
APR6.99%
Last UpdatedApril 4, 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%
View
▼
APR6.99%
Last UpdatedApril 4, 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%
View
▼
APR6.99%
Last UpdatedApril 4, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedApril 4, 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%
View
▼
APR6.99%
Last UpdatedApril 4, 2026
Details

New money only, promotional Rate

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%
View
▼
APR7.00%
Last UpdatedApril 4, 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) 1 - 36 Months A
7.00%
View
▼
APR7.00%
Last UpdatedApril 4, 2026
Details

Maximum Financing: $20,000

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY, 12306
Solar Improvement Loan
7.00%
View
▼
APR7.00%
Last UpdatedApril 4, 2026
Details

$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher

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%
View
▼
APR7.00%
Last UpdatedApril 4, 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
Other Collateral Loans
7.00%
View
▼
APR7.00%
Last UpdatedApril 4, 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%
View
▼
APR7.00%
Last UpdatedApril 4, 2026
Details

As Low As; Signature loans up to $10,000 with loan terms up to 48 months and repayment rates as low as 7% APR* (longer terms with slightly higher rates are available)

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%
View
▼
APR7.00%
Last UpdatedApril 4, 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.

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
7.00%
View
▼
APR7.00%
Last UpdatedApril 4, 2026
Details

As Low As

North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
21 N Portage St, Westfield, NY, 14787
Personal Loan
7.00%
View
▼
APR7.00%
Last UpdatedApril 4, 2026
Details

No additional details available.

IAM Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.65%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
Non-Collateral Signature Loans
7.00%
View
▼
APR7.00%
Last UpdatedApril 4, 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^
7.00%
View
▼
APR7.00%
Last UpdatedApril 4, 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
7.00%
View
▼
APR7.00%
Last UpdatedApril 4, 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%
View
▼
APR7.00%
Last UpdatedApril 4, 2026
Details

No additional details available.

Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
Signature Loan
7.00%
View
▼
APR7.00%
Last UpdatedApril 4, 2026
Details

As Low As

Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Debt Consolidation
7.00%
View
▼
APR7.00%
Last UpdatedApril 4, 2026
Details

Credit Limit: $10,000 Single / $20,000 Joint Maximum

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
NBT Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
65 Main St, Cortland, NY, 13045
Personal Loan Unsecured
8.59%
View
▼
APR8.59%
Last UpdatedApril 4, 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 03/23/2026 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.

Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1094 Groton Ave, Cortland, NY, 13045
Unsecured Personal Loan
10.50%
View
▼
APR10.50%
Last UpdatedApril 4, 2026
Details

Credit Score: 740 & Above

Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1094 Groton Ave, Cortland, NY, 13045
Unsecured Personal Loan
12.25%
View
▼
APR12.25%
Last UpdatedApril 4, 2026
Details

Credit Score: 700-739

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY, 12306
Personal Loans & Lines of Credit
4.74%
View
▼
APR4.74%
Last UpdatedApril 4, 2026
Details

Secured by Shares

Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
5.00%
View
▼
APR5.00%
Last UpdatedApril 4, 2026
Details

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

District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
107 Broadway, Hornell, NY, 14843
Short Term Personal Loan
5.00%
View
▼
APR5.00%
Last UpdatedApril 4, 2026
Details

No additional details available.

Rome Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.07%
937 Seneca St, Rome, NY, 13440
Unsecured Personal Loan
5.49%
View
▼
APR5.49%
Last UpdatedApril 4, 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%
View
▼
APR5.74%
Last UpdatedApril 4, 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%
View
▼
APR5.90%
Last UpdatedApril 4, 2026
Details

No additional details available.

FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY, 12302
Personal Loan
6.00%
View
▼
APR6.00%
Last UpdatedApril 4, 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 Special
6.00%
View
▼
APR6.00%
Last UpdatedApril 4, 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%
View
▼
APR6.00%
Last UpdatedApril 4, 2026
Details

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

Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
Personal Loan Special
6.00%
View
▼
APR6.00%
Last UpdatedApril 4, 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
6.25%
View
▼
APR6.25%
Last UpdatedApril 4, 2026
Details

As Low As; Credit Score 730+

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%
View
▼
APR6.25%
Last UpdatedApril 4, 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%
View
▼
APR6.25%
Last UpdatedApril 4, 2026
Details

Range: 730+; Rating: A+; Max Term

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Personal Loans
6.39%
View
▼
APR6.39%
Last UpdatedApril 4, 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%
View
▼
APR6.40%
Last UpdatedApril 4, 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%
View
▼
APR6.49%
Last UpdatedApril 4, 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%
View
▼
APR6.49%
Last UpdatedApril 4, 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
6.50%
View
▼
APR6.50%
Last UpdatedApril 4, 2026
Details

As Low As; Credit Score 640-679

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%
View
▼
APR6.50%
Last UpdatedApril 4, 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)
6.50%
View
▼
APR6.50%
Last UpdatedApril 4, 2026
Details

Range: 640-679; Rating: B; Max Term

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%
View
▼
APR6.50%
Last UpdatedApril 4, 2026
Details

As Low As; Special fixed up to 15 months!

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%
View
▼
APR6.75%
Last UpdatedApril 4, 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%
View
▼
APR6.75%
Last UpdatedApril 4, 2026
Details

As Low As; Credit Score 600-639

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%
View
▼
APR6.75%
Last UpdatedApril 4, 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%
View
▼
APR6.75%
Last UpdatedApril 4, 2026
Details

Range: 600-639; Rating: C; Max Term

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%
View
▼
APR6.84%
Last UpdatedApril 4, 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%
View
▼
APR6.90%
Last UpdatedApril 4, 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%
View
▼
APR6.99%
Last UpdatedApril 4, 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%
View
▼
APR6.99%
Last UpdatedApril 4, 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%
View
▼
APR6.99%
Last UpdatedApril 4, 2026
Details

As Low As; Borrow up to $20,000

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%
View
▼
APR6.99%
Last UpdatedApril 4, 2026
Details

up to $20,000

Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY, 12306
Personal Loans & Lines of Credit
6.99%
View
▼
APR6.99%
Last UpdatedApril 4, 2026
Details

Secured by Share Certificate

North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
21 N Portage St, Westfield, NY, 14787
Personal Loan
7.00%
View
▼
APR7.00%
Last UpdatedApril 4, 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%
View
▼
APR7.00%
Last UpdatedApril 4, 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) 1 - 36 Months A
7.00%
View
▼
APR7.00%
Last UpdatedApril 4, 2026
Details

Maximum Financing: $20,000

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%
View
▼
APR6.00%
Last UpdatedApril 4, 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%
View
▼
APR6.84%
Last UpdatedApril 4, 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%
View
▼
APR6.99%
Last UpdatedApril 4, 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%
View
▼
APR7.00%
Last UpdatedApril 4, 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%
View
▼
APR7.99%
Last UpdatedApril 4, 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%
View
▼
APR7.99%
Last UpdatedApril 4, 2026
Details

No additional details available.

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%
View
▼
APR8.00%
Last UpdatedApril 4, 2026
Details

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

Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Debt Consolidation
8.00%
View
▼
APR8.00%
Last UpdatedApril 4, 2026
Details

Credit Limit: $10,000 Single / $20,000 Joint Maximum

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%
View
▼
APR8.99%
Last UpdatedApril 4, 2026
Details

No additional details available.

District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
107 Broadway, Hornell, NY, 14843
Debt Consolidation Loan
8.99%
View
▼
APR8.99%
Last UpdatedApril 4, 2026
Details

No additional details available.

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%
View
▼
APR9.00%
Last UpdatedApril 4, 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%
View
▼
APR9.00%
Last UpdatedApril 4, 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%
View
▼
APR9.24%
Last UpdatedApril 4, 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%
View
▼
APR9.25%
Last UpdatedApril 4, 2026
Details

No additional details available.

TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 12 Months
9.25%
View
▼
APR9.25%
Last UpdatedApril 4, 2026
Details

As Low As

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%
View
▼
APR9.49%
Last UpdatedApril 4, 2026
Details

No additional details available.

Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY, 13202
Debt Consolidation
9.74%
View
▼
APR9.74%
Last UpdatedApril 4, 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
9.99%
View
▼
APR9.99%
Last UpdatedApril 4, 2026
Details

As Low As

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%
View
▼
APR9.99%
Last UpdatedApril 4, 2026
Details

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.

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%
View
▼
APR9.99%
Last UpdatedApril 4, 2026
Details

No additional details available.

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%
View
▼
APR10.00%
Last UpdatedApril 4, 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%
View
▼
APR10.20%
Last UpdatedApril 4, 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%
View
▼
APR10.24%
Last UpdatedApril 4, 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%
View
▼
APR10.24%
Last UpdatedApril 4, 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
Debt Consolidation Loan 13 - 24 Months
10.25%
View
▼
APR10.25%
Last UpdatedApril 4, 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%
View
▼
APR10.25%
Last UpdatedApril 4, 2026
Details

No additional details available.

Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY, 13202
Debt Consolidation
10.49%
View
▼
APR10.49%
Last UpdatedApril 4, 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%
View
▼
APR10.49%
Last UpdatedApril 4, 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%
View
▼
APR10.50%
Last UpdatedApril 4, 2026
Details

As Low As; 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%
View
▼
APR10.70%
Last UpdatedApril 4, 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%
View
▼
APR10.74%
Last UpdatedApril 4, 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%
View
▼
APR10.89%
Last UpdatedApril 4, 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%
View
▼
APR10.99%
Last UpdatedApril 4, 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%
View
▼
APR11.25%
Last UpdatedApril 4, 2026
Details

No additional details available.

TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 25 - 36 Months
11.25%
View
▼
APR11.25%
Last UpdatedApril 4, 2026
Details

As Low As

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%
View
▼
APR11.49%
Last UpdatedApril 4, 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%
View
▼
APR11.49%
Last UpdatedApril 4, 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%
View
▼
APR11.50%
Last UpdatedApril 4, 2026
Details

As Low As; 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%
View
▼
APR11.70%
Last UpdatedApril 4, 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%
View
▼
APR12.20%
Last UpdatedApril 4, 2026
Details

No additional details available.

TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 37 - 48 Months
12.20%
View
▼
APR12.20%
Last UpdatedApril 4, 2026
Details

As Low As

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%
View
▼
APR12.45%
Last UpdatedApril 4, 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%
View
▼
APR12.49%
Last UpdatedApril 4, 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%
View
▼
APR13.24%
Last UpdatedApril 4, 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%
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APR13.25%
Last UpdatedApril 4, 2026
Details

No additional details available.

TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 49 - 60 Months (5K Plus)
13.25%
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▼
APR13.25%
Last UpdatedApril 4, 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%
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APR13.50%
Last UpdatedApril 4, 2026
Details

As Low As

Affinity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
35 Bardonia Rd, Bardonia, NY, 10954
Debt Consolidation Loan
13.50%
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APR13.50%
Last UpdatedApril 4, 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%
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APR14.50%
Last UpdatedApril 4, 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%
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APR18.00%
Last UpdatedApril 4, 2026
Details

discount with direct deposit; $20 application fee; 1% origination fee* (upon approval of the loan)

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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%
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APR4.90%
Last UpdatedApril 4, 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%
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APR6.75%
Last UpdatedApril 4, 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%
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APR6.90%
Last UpdatedApril 4, 2026
Details

new rates require a minimum advance of $1,000.00

Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
Signature Loan
7.00%
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APR7.00%
Last UpdatedApril 4, 2026
Details

As Low As

IAM Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.65%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
Non-Collateral Signature Loans
7.00%
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APR7.00%
Last UpdatedApril 4, 2026
Details

As Low As

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%
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APR7.00%
Last UpdatedApril 4, 2026
Details

As Low As; Signature loans up to $10,000 with loan terms up to 48 months and repayment rates as low as 7% APR* (longer terms with slightly higher rates are available)

Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
Personal Loans - Signature (Unsecured) 1 - 36 Months A
7.00%
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APR7.00%
Last UpdatedApril 4, 2026
Details

Maximum Financing: $20,000

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%
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▼
APR7.00%
Last UpdatedApril 4, 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%
View
▼
APR7.50%
Last UpdatedApril 4, 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%
View
▼
APR7.75%
Last UpdatedApril 4, 2026
Details

$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher

Frequently Asked Questions

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

Most lenders in Cortland, 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 Cortland, 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 Cortland, 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 Cortland, New York?

Credit unions in Cortland, 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 Cortland, New York?

  • Citizens Bank: 5.45% (Medical Residency Refinance Loan)
  • NBT Bank: 8.59% (Personal Loan Unsecured)
  • Chemung Canal Trust Company: 10.50% (Unsecured Personal Loan)
  • AmeriCU Credit Union: 10.75% (Unspecified Loan)
  • SERVU Federal Credit Union: 3.99% (Here for you Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Cortland, New York. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 4, 2026.

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Personal Loan Calculators

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