Best Personal Loan Rates in Middlesex, New York (NY) - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Middlesex, New York include: GPO Federal Credit UnionGPO Federal Credit UnionA+5.0 ★Texas Ratio: 2.06% offering Personal Unsecured Loans at 3.99% APR, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Remington Federal Credit UnionRemington Federal Credit UnionA+5.0 ★Texas Ratio: 2.39% offering Personal Loan at 4.00% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, and Sunmark Credit UnionSunmark Credit UnionA5.0 ★Texas Ratio: 11.71% offering Personal Loans & Lines of Credit at 4.74% APR. Personal loan rates as of May 7, 2026 according to verified data from MonitorBankRates.
Middlesex borrowers have access to 68 lenders serving the New York area, with personal loan rates as low as 3.99% APR from GPO Federal Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Middlesex, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Middlesex, 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: May 7, 2026
As Low As
As Low As
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Secured by Shares
Actual rate offered may vary.
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Actual rate offered may vary.
(seasonal)
Credit Limit: $7,500 Single / $15,000 Joint Maximum
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.
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$50,000; As Low As
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up to 72 months
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As Low As; With 1st National Deposit Account as Collateral
Credit Limit: $7,500 Single / $15,000 Joint Maximum
$3,000 available October 15- December 29
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As Low As; Rates are based on credit history and term
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As Low As; w/ Auto Pay Discount
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APR as low as
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As Low As; Advertised rate is "as low as" and is determined by the credit worthiness of each applicant. Rates are subject to change without notice. Rates are for new ONE Credit Union loans, current ONE Credit Union loans are not eligible for rate refinancing.
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As Low As; Special fixed up to 15 months!
As Low As; Borrow up to $25,000
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As Needed
As Low As; Rates are based on credit history and term
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new rates require a minimum advance of $1,000.00
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Secured by Share Certificate
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As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
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$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
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Credit Limit: $7,500 Single / $15,000 Joint Maximum
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As Low As; APR* as low as: 7.25%
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As Low As; w/ Auto Pay Discount
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$300 - $25,000; As Low As
FIXED APR WITH AUTO PAY
No additional details available.
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
No additional details available.
Credit Score 760+, Credit Tier A+
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As Low As; Fixed up to 36 months
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$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
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$15
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As Low As; Rates are based on credit history and term
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mos.
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Secured by Shares
No additional details available.
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Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As
As Low As
No additional details available.
As Low As; With 1st National Deposit Account as Collateral
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
As Low As; w/ Auto Pay Discount
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As Low As; Special fixed up to 15 months!
No additional details available.
APR as low as
As Low As
As Needed
No additional details available.
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As Low As
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As Low As
Secured by Share Certificate
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
As Low As; w/ Auto Pay Discount
As Low As
As Low As
$300 - $25,000; As Low As
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FIXED APR WITH AUTO PAY
No additional details available.
Credit Score 760+, Credit Tier A+
As Low As; Fixed up to 36 months
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As Low As; Borrow up to $10,000.00, Delay first payment for 60 days
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As Low As; 36 Months
No additional details available.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; 60 months
No additional details available.
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.
As Low As; 72 Months
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As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; 84 Months
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As Low As
up to 48 months
49 to 60 months
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As
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As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
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new rates require a minimum advance of $1,000.00
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$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
Middlesex, NY Personal Loan Rate Trends
Compare local Middlesex, NY personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New York personal loan rates rose 0.058 points over the past 7 days to 9.889% APR.
New York signature loan rates rose 0.001 points over the past 7 days to 9.521% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in New York?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in New York?
Are credit unions or banks better for personal loans in Middlesex, New York?
What are the best personal loan rates in Middlesex, New York?
- GPO Federal Credit Union: 3.99% (Personal Unsecured Loans)
- TrustCo Bank: 4.00% (Passbook Loan)
- Remington Federal Credit Union: 4.00% (Personal Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Sunmark Credit Union: 4.74% (Personal Loans & Lines of Credit)
Personal Loan Calculators
