Best Personal Loan Rates in Java Center, New York (NY) - March 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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 Java Center, New York include: 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, 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, TrustCo BankTrustCo Bank112 State St, Albany, NY, 12207A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Baxter Credit UnionBaxter Credit Union300 Crosspoint Pkwy, Getzville, NY, 14068 1606A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, and Sunmark Credit UnionSunmark Credit Union1616 Broadway, Schenectady, NY, 12306A5.0 ★Texas Ratio: 11.71% offering Personal Loans & Lines of Credit at 4.74% 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 Java Center, 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 Java Center, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Java Center, 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
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 22, 2026
Details
New money only, promotional rate
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 22, 2026
Details
Above Shares Yield
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 22, 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%
▼
APR4.50%
Last UpdatedMarch 22, 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 22, 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 22, 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%
▼
APR4.74%
Last UpdatedMarch 22, 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 22, 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 22, 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 22, 2026
Details
As Low As
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 22, 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
12 Month Short Term Loan
4.75%
▼
APR4.75%
Last UpdatedMarch 22, 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 22, 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 22, 2026
Details
No additional details available.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Vacation Loan Special
4.95%
▼
APR4.95%
Last UpdatedMarch 22, 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%
▼
APR4.99%
Last UpdatedMarch 22, 2026
Details
(seasonal)
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 22, 2026
Details
Actual rate offered may vary.
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 22, 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%
▼
APR4.99%
Last UpdatedMarch 22, 2026
Details
As Low As
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 22, 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 22, 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 22, 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 22, 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 22, 2026
Details
As Low As
Niagara Falls Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6040 Lindbergh Ave, Niagara Falls, NY, 14304 3150
Summer/Holiday Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 22, 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.
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 22, 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 22, 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 22, 2026
Details
As Low As; 9.99%
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 22, 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 22, 2026
Details
As Low As
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 22, 2026
Details
As Low As; Max $2,500
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 22, 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 22, 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 22, 2026
Details
Your interest rate and monthly payments can fluctuate during the repayment period.
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 22, 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%
▼
APR5.74%
Last UpdatedMarch 22, 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 22, 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 22, 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
5.75%
▼
APR5.75%
Last UpdatedMarch 22, 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 Loan
5.81%
▼
APR5.81%
Last UpdatedMarch 22, 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 22, 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 22, 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 22, 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
RFMC Bicycle Loan
5.99%
▼
APR5.99%
Last UpdatedMarch 22, 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 22, 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
5.99%
▼
APR5.99%
Last UpdatedMarch 22, 2026
Details
New money only, promotional Rate
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 22, 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.
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 22, 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 22, 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 22, 2026
Details
As Low As
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 22, 2026
Details
No additional details available.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan Special
6.00%
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
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 22, 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
Debt Consolidation
6.00%
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details
Credit Limit: $10,000 Single / $20,000 Joint Maximum
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 22, 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%
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details
available October 15th
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 22, 2026
Details
No additional details available.
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 22, 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%
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details
Minimum Loan Amount: $500 | Maximum Loan Amount: $1,000
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 22, 2026
Details
As Low As; Regular APR: 14.00%
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 22, 2026
Details
As Low As
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 22, 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%
▼
APR6.00%
Last UpdatedMarch 22, 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%
▼
APR6.00%
Last UpdatedMarch 22, 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%
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details
1-Year Loan Term
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 22, 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 22, 2026
Details
No additional details available.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan
6.25%
▼
APR6.25%
Last UpdatedMarch 22, 2026
Details
No additional details available.
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 22, 2026
Details
No additional details available.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan Special
6.25%
▼
APR6.25%
Last UpdatedMarch 22, 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 22, 2026
Details
As Low As; Range: 730+, Rating: A+
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 22, 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.
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 22, 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 22, 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)
6.25%
▼
APR6.25%
Last UpdatedMarch 22, 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
Balance Transfer Loan Special
6.25%
▼
APR6.25%
Last UpdatedMarch 22, 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."
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 22, 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 22, 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 22, 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 22, 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
6.49%
▼
APR6.49%
Last UpdatedMarch 22, 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 22, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 6.39%
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 22, 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 22, 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
6.50%
▼
APR6.50%
Last UpdatedMarch 22, 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 22, 2026
Details
As Low As; Special fixed up to 15 months!
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 22, 2026
Details
As Low As; Up to 24 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%
▼
APR6.50%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loans (CLOSED END)
6.50%
▼
APR6.50%
Last UpdatedMarch 22, 2026
Details
As Low As; Range: 640-679, Rating: B
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 22, 2026
Details
No additional details available.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 22, 2026
Details
No additional details available.
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 22, 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%
▼
APR6.50%
Last UpdatedMarch 22, 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%
▼
APR6.50%
Last UpdatedMarch 22, 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
6.50%
▼
APR6.50%
Last UpdatedMarch 22, 2026
Details
As Low As
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 22, 2026
Details
Amount: Up to $20000
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 22, 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 22, 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 22, 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
6.75%
▼
APR6.75%
Last UpdatedMarch 22, 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%
▼
APR6.75%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loans (CLOSED END)
6.75%
▼
APR6.75%
Last UpdatedMarch 22, 2026
Details
As Low As; Range: 600-639, Rating: C
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 22, 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 22, 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 22, 2026
Details
No additional details available.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan Special
6.75%
▼
APR6.75%
Last UpdatedMarch 22, 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
Used other collateral loans
6.75%
▼
APR6.75%
Last UpdatedMarch 22, 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 22, 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 22, 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 22, 2026
Details
No additional details available.
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 22, 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 22, 2026
Details
As Low As
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 22, 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%
▼
APR6.84%
Last UpdatedMarch 22, 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%
▼
APR6.84%
Last UpdatedMarch 22, 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 22, 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 22, 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 22, 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 22, 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 22, 2026
Details
As Low As
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 22, 2026
Details
As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
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 22, 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%
▼
APR6.99%
Last UpdatedMarch 22, 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 22, 2026
Details
New money only, promotional Rate
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 22, 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.
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 22, 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 22, 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%
▼
APR6.99%
Last UpdatedMarch 22, 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
6.99%
▼
APR6.99%
Last UpdatedMarch 22, 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%
▼
APR6.99%
Last UpdatedMarch 22, 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 22, 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%
▼
APR6.99%
Last UpdatedMarch 22, 2026
Details
Secured by Share Certificate
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 22, 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
Signature Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 22, 2026
Details
As Low As
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 22, 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 22, 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 22, 2026
Details
As Low As
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 22, 2026
Details
No additional details available.
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
Used other collateral loans
7.00%
▼
APR7.00%
Last UpdatedMarch 22, 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 22, 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 22, 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
7.00%
▼
APR7.00%
Last UpdatedMarch 22, 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
7.00%
▼
APR7.00%
Last UpdatedMarch 22, 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
7.00%
▼
APR7.00%
Last UpdatedMarch 22, 2026
Details
Credit Limit: $10,000 Single / $20,000 Joint Maximum
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 22, 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%
▼
APR7.00%
Last UpdatedMarch 22, 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 22, 2026
Details
No additional details available.
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 22, 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 22, 2026
Details
No additional details 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
Personal Loans & Lines of Credit
4.74%
▼
APR4.74%
Last UpdatedMarch 22, 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%
▼
APR5.00%
Last UpdatedMarch 22, 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%
▼
APR5.00%
Last UpdatedMarch 22, 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%
▼
APR5.49%
Last UpdatedMarch 22, 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 22, 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 22, 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%
▼
APR6.00%
Last UpdatedMarch 22, 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%
▼
APR6.00%
Last UpdatedMarch 22, 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 22, 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%
▼
APR6.00%
Last UpdatedMarch 22, 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%
▼
APR6.25%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan Special
6.25%
▼
APR6.25%
Last UpdatedMarch 22, 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 22, 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 22, 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 22, 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 22, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 6.39%
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 22, 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%
▼
APR6.50%
Last UpdatedMarch 22, 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 Special
6.50%
▼
APR6.50%
Last UpdatedMarch 22, 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%
▼
APR6.50%
Last UpdatedMarch 22, 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 22, 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 22, 2026
Details
No additional details available.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan Special
6.75%
▼
APR6.75%
Last UpdatedMarch 22, 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 22, 2026
Details
As Low As; Range: 600-639, Rating: C
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 22, 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 22, 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
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 22, 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 22, 2026
Details
up to $20,000
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 22, 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 22, 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.
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 22, 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 22, 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 Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 22, 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 22, 2026
Details
Up to $3,000 for 36 months @ 6.00%
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 22, 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 22, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Powered by
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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 22, 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 22, 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 22, 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 22, 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 22, 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 22, 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 22, 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 22, 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 22, 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 22, 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 22, 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 22, 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 22, 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 22, 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 22, 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 22, 2026
Details
No additional details available.
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 22, 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 22, 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 22, 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%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
As Low As; *The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval.
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 22, 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 22, 2026
Details
As Low As
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 22, 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 22, 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
13 - 24 Months Debt Consolidation Loan
10.25%
▼
APR10.25%
Last UpdatedMarch 22, 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 22, 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 22, 2026
Details
No additional details available.
Tonawanda Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
10 Jefferson Square Ave, Batavia, NY, 14020
Debt Consolidation
10.50%
▼
APR10.50%
Last UpdatedMarch 22, 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 22, 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 22, 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 22, 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 22, 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 22, 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 22, 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%
▼
APR11.49%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Tonawanda Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
10 Jefferson Square Ave, Batavia, NY, 14020
Debt Consolidation
11.50%
▼
APR11.50%
Last UpdatedMarch 22, 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 22, 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 22, 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 22, 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 22, 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 22, 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 22, 2026
Details
No additional details available.
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 22, 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%
▼
APR13.50%
Last UpdatedMarch 22, 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 22, 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 22, 2026
Details
discount with direct deposit
Powered by
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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%
▼
APR4.90%
Last UpdatedMarch 22, 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 22, 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 22, 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 22, 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%
▼
APR7.00%
Last UpdatedMarch 22, 2026
Details
As Low As
Powered by
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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 22, 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 22, 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 22, 2026
Details
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
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Frequently Asked Questions
What credit score do I need for a personal loan in New York?
Most lenders in Java Center, 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 Java Center, 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 Java Center, 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 Java Center, New York?
Credit unions in Java Center, 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 Java Center, New York?
- SERVU Federal Credit Union: 3.99% (Here for you Loan)
- Directors Choice Credit Union: 4.00% (Share Pledged Loan)
- TrustCo Bank: 4.00% (Passbook Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Sunmark Credit Union: 4.74% (Personal Loans & Lines of Credit)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Java Center, 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
