Best Personal Loan Rates in New York (NY) - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 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, 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, First New York Federal Credit UnionFirst New York Federal Credit Union795 E Main St Ste 1, Cobleskill, NY, 12043 1263A+5.0 ★Texas Ratio: 5.90% offering Solar Loan at 4.74% APR, and First Source Federal Credit UnionFirst Source Federal Credit Union4451 Commercial Dr, New Hartford, NY, 13413 6207A5.0 ★Texas Ratio: 8.13% offering Mechanical Breakdown Protection Loan at 4.74% APR. Personal loan rates as of April 2, 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 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 New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in 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 2, 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 UpdatedApril 2, 2026
Details
New money only, promotional rate
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY, 12207
Passbook Loan
4.00%
▼
APR4.00%
Last UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Solar Loan
4.74%
▼
APR4.74%
Last UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
Secured by Shares
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
12 Month Short Term Loan
4.75%
▼
APR4.75%
Last UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
(seasonal)
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 UpdatedApril 2, 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
4.99%
▼
APR4.99%
Last UpdatedApril 2, 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%
▼
APR4.99%
Last UpdatedApril 2, 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%
▼
APR4.99%
Last UpdatedApril 2, 2026
Details
Actual rate offered may vary.
Niagara Falls Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6040 Lindbergh Ave, Niagara Falls, NY, 14304 3150
Summer/Holiday Loan
5.00%
▼
APR5.00%
Last UpdatedApril 2, 2026
Details
As Low As; Unless noted, all payroll deducted loans will receive an additional .25% off loan rates shown. The credit union offers member pay insurance for life & disability for your loans. Please do not be confused with additional insurances that you may have with others as it does not apply to your loans at NFTFCU. All Loan Rates are stated in terms of Annual Percentage Rate (APR). Loan Rates are for qualified members.
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
107 Broadway, Hornell, NY, 14843
Short Term Personal Loan
5.00%
▼
APR5.00%
Last UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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
5.14%
▼
APR5.14%
Last UpdatedApril 2, 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
5.24%
▼
APR5.24%
Last UpdatedApril 2, 2026
Details
As Low As
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
9823 Science Center Dr, Painted Post, NY, 14870
Promotional Loan
5.24%
▼
APR5.24%
Last UpdatedApril 2, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1001 North St, Endicott, NY, 13760
Medical Residency Refinance Loan
5.45%
▼
APR5.45%
Last UpdatedApril 2, 2026
Details
Fixed rates
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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
As Low As
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
5.50%
▼
APR5.50%
Last UpdatedApril 2, 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
5.51%
▼
APR5.51%
Last UpdatedApril 2, 2026
Details
Variable rates
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1001 North St, Endicott, NY, 13760
Variable Rate Loan
5.51%
▼
APR5.51%
Last UpdatedApril 2, 2026
Details
Your interest rate and monthly payments can fluctuate during the repayment period.
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Payment Saver Lease-Like Loan (2021-2027)
5.74%
▼
APR5.74%
Last UpdatedApril 2, 2026
Details
As Low As
Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
924 Turin St, Rome, NY, 13440
Personal Loan
5.74%
▼
APR5.74%
Last UpdatedApril 2, 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%
▼
APR5.74%
Last UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
As Low As
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
5.75%
▼
APR5.75%
Last UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
As Low As
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 UpdatedApril 2, 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 UpdatedApril 2, 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%
▼
APR5.91%
Last UpdatedApril 2, 2026
Details
No additional details available.
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
9823 Science Center Dr, Painted Post, NY, 14870
Collateral Loan
5.99%
▼
APR5.99%
Last UpdatedApril 2, 2026
Details
New money only, promotional Rate
VAN CORTLANDT COOPERATIVE
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
3960 Hillman Ave, Bronx, NY, 10463
All Purpose Loan
5.99%
▼
APR5.99%
Last UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY, 13413 6207
RFMC Bicycle Loan
5.99%
▼
APR5.99%
Last UpdatedApril 2, 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%
▼
APR5.99%
Last UpdatedApril 2, 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
5.99%
▼
APR5.99%
Last UpdatedApril 2, 2026
Details
As Low As
Kenmore NY Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
2265 Sheridan Dr, Buffalo, NY, 14223 1531
UnLOCk Personal Line-of-Credit
5.99%
▼
APR5.99%
Last UpdatedApril 2, 2026
Details
No additional details available.
Northwest Bank Warren, PA
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
311 E Fairmount Ave, Lakewood, NY, 14750
Equipment Term Loans
5.99%
▼
APR5.99%
Last UpdatedApril 2, 2026
Details
Offer valid on equipment term loans only.. No lines of credit. Offer expires 4/15/2026. No refinancing of Northwest exisiting debt. SBA Loans and business credit cards are not eligible for promotional offer. All standard rates and terms apply. See bank for detials.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan Special
6.00%
▼
APR6.00%
Last UpdatedApril 2, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New other collateral loans
6.00%
▼
APR6.00%
Last UpdatedApril 2, 2026
Details
No additional details available.
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
6.00%
▼
APR6.00%
Last UpdatedApril 2, 2026
Details
As Low As
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
464 Fairview Ave, Hudson, NY, 12534
Fuel Loan
6.00%
▼
APR6.00%
Last UpdatedApril 2, 2026
Details
No additional details available.
Tri-Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
197 Broadway, Saranac Lake, NY, 12983
Loans
6.00%
▼
APR6.00%
Last UpdatedApril 2, 2026
Details
As Low As
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
Personal Loan Special
6.00%
▼
APR6.00%
Last UpdatedApril 2, 2026
Details
1-Year Loan Term
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedApril 2, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
TCT Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
416 Rowland St, Ballston Spa, NY, 12020
Credit Builder Loan
6.00%
▼
APR6.00%
Last UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
available October 15th
Plattsburgh City School District Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
49 Broad St Ste 101, Plattsburgh, NY, 12901 3311
Holiday Loan Special
6.00%
▼
APR6.00%
Last UpdatedApril 2, 2026
Details
No additional details available.
Plattsburgh City School District Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
49 Broad St Ste 101, Plattsburgh, NY, 12901 3311
Holiday Loan
6.00%
▼
APR6.00%
Last UpdatedApril 2, 2026
Details
available October 15- December 29
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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
As Low As; With 1st National Deposit Account as Collateral
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 UpdatedApril 2, 2026
Details
Credit Limit: $10,000 Single / $20,000 Joint Maximum
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 UpdatedApril 2, 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%
▼
APR6.14%
Last UpdatedApril 2, 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%
▼
APR6.20%
Last UpdatedApril 2, 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%
▼
APR6.24%
Last UpdatedApril 2, 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%
▼
APR6.25%
Last UpdatedApril 2, 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%
▼
APR6.25%
Last UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
As Low As; Rates are based on credit history and term
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan Special
6.25%
▼
APR6.25%
Last UpdatedApril 2, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
College Loan Special
6.25%
▼
APR6.25%
Last UpdatedApril 2, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds must be paid directly to college or university OR direct to pay off existing student loans. There is no payment deferment.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Balance Transfer Loan Special
6.25%
▼
APR6.25%
Last UpdatedApril 2, 2026
Details
As Low As; Must be used to transfer credit cards or outstanding loans only and cannot be used to pay off existing GWFCU loans or credit cards - Only Available to "A+," "A," "B," and "C."
Griffith Institute Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
64 E Main St Ste 3, Springville, NY, 14141
New Recreational Loans
6.25%
▼
APR6.25%
Last UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
As Low As; Credit Score 730+
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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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%
▼
APR6.49%
Last UpdatedApril 2, 2026
Details
No additional details available.
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Payment Saver Lease-Like Loan (2021-2027)
6.49%
▼
APR6.49%
Last UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
As Low As
Tri-Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
197 Broadway, Saranac Lake, NY, 12983
Loans
6.50%
▼
APR6.50%
Last UpdatedApril 2, 2026
Details
As Low As
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
Used other collateral loans
6.50%
▼
APR6.50%
Last UpdatedApril 2, 2026
Details
No additional details available.
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New other collateral loans
6.50%
▼
APR6.50%
Last UpdatedApril 2, 2026
Details
No additional details available.
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
6.50%
▼
APR6.50%
Last UpdatedApril 2, 2026
Details
As Low As
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
Personal Lifestyle Loan
6.50%
▼
APR6.50%
Last UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
Range: 640-679; Rating: B; 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
6.50%
▼
APR6.50%
Last UpdatedApril 2, 2026
Details
As Low As; Credit Score 640-679
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 UpdatedApril 2, 2026
Details
No additional details available.
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
497 Electronics Pkwy, Liverpool, NY, 13088 6062
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedApril 2, 2026
Details
As Low As; Special fixed up to 15 months!
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 UpdatedApril 2, 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
FHA Loan
6.51%
▼
APR6.51%
Last UpdatedApril 2, 2026
Details
As Low As; Rates as low as 5.625% (6.508% APR)
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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
As Low As
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
33 57 Harrison St, Johnson City, NY, 13790
New Sports Craft Loans 2024- 2026
6.74%
▼
APR6.74%
Last UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
Range: 600-639; Rating: C; Max Term
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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
No additional details available.
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2520 Browncroft Blvd, Rochester, NY, 14625
Pool and Hardscape Loans^
6.75%
▼
APR6.75%
Last UpdatedApril 2, 2026
Details
As Low As
Cattaraugus County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
100 Fair Oak St, Little Valley, NY, 14755
Recreational Loans (2022 and Newer)
6.75%
▼
APR6.75%
Last UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan Special
6.75%
▼
APR6.75%
Last UpdatedApril 2, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A+ New
6.75%
▼
APR6.75%
Last UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
As Low As; Credit Score 600-639
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
107 Broadway, Hornell, NY, 14843
Unsecured
6.75%
▼
APR6.75%
Last UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
No additional details available.
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Kingston, NY, 12401
Fixed Equity Loan (10 Year)
6.75%
▼
APR6.75%
Last UpdatedApril 2, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY, 10007 1823
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedApril 2, 2026
Details
As Low As
NY FIREFIGHTERS BRAVEST
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
532 central ave, albany, NY, 12206
Personal/Unsecured/Debt Consolidation
6.84%
▼
APR6.84%
Last UpdatedApril 2, 2026
Details
As Low As; New electronics, home renovations, catch up on bills.
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
100 Port Washington Blvd, Roslyn, NY, 11576
Personal Loan
6.90%
▼
APR6.90%
Last UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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%
▼
APR6.99%
Last UpdatedApril 2, 2026
Details
No additional details available.
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 UpdatedApril 2, 2026
Details
Secured by Share Certificate
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 2, 2026
Details
As Low As
Western Division Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6750 MAIN ST, WILLIAMSVILLE, NY, 14221
Holiday Loan
6.99%
▼
APR6.99%
Last UpdatedApril 2, 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%
▼
APR6.99%
Last UpdatedApril 2, 2026
Details
Available 1/1/26-3/31/26; No Balance Transfer Fees; 6.99% until Balance is Paid in Full
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
14 Talmadge Ct, Monroe, NY, 10950 1526
Unsecured Loans
6.99%
▼
APR6.99%
Last UpdatedApril 2, 2026
Details
As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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
Collateral Loan
6.99%
▼
APR6.99%
Last UpdatedApril 2, 2026
Details
New money only, promotional Rate
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1425 Jefferson Rd, Rochester, NY, 14623
Equity Loan
6.99%
▼
APR6.99%
Last UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
As Low As
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
2520 Browncroft Blvd, Rochester, NY, 14625
Personal Loans
6.99%
▼
APR6.99%
Last UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Oswego County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
90 E Bridge St, Oswego, NY, 13126
Signature Loans
7.00%
▼
APR7.00%
Last UpdatedApril 2, 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)
Oswego County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
90 E Bridge St, Oswego, NY, 13126
Family First Loan 1- 12 mos. A+
7.00%
▼
APR7.00%
Last UpdatedApril 2, 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%
▼
APR7.00%
Last UpdatedApril 2, 2026
Details
Maximum Financing: $20,000
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 UpdatedApril 2, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Land Loan
7.00%
▼
APR7.00%
Last UpdatedApril 2, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C." Purchase or Refinance. Available for single residential lots up to 5 acres. Same requirements as First Mortgage Loans incl. app fee.
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
21 N Portage St, Westfield, NY, 14787
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 2, 2026
Details
No additional details available.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A+ New
7.00%
▼
APR7.00%
Last UpdatedApril 2, 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
7.00%
▼
APR7.00%
Last UpdatedApril 2, 2026
Details
Credit Limit: $10,000 Single / $20,000 Joint Maximum
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 UpdatedApril 2, 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%
▼
APR7.00%
Last UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
No additional details available.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A New
7.00%
▼
APR7.00%
Last UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
No additional details available.
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY, 13502
Personal Unsecured
7.00%
▼
APR7.00%
Last UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
As Low As
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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
No additional details available.
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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
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 UpdatedApril 2, 2026
Details
1-Year Loan Term
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedApril 2, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY, 12302
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedApril 2, 2026
Details
As Low As; With 1st National Deposit Account as Collateral
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan
6.25%
▼
APR6.25%
Last UpdatedApril 2, 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%
▼
APR6.25%
Last UpdatedApril 2, 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 UpdatedApril 2, 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%
▼
APR6.39%
Last UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
PERSONAL LOANS (CLOSED END)
6.50%
▼
APR6.50%
Last UpdatedApril 2, 2026
Details
Range: 640-679; Rating: B; 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
6.50%
▼
APR6.50%
Last UpdatedApril 2, 2026
Details
As Low As; Credit Score 640-679
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 UpdatedApril 2, 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 UpdatedApril 2, 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%
▼
APR6.75%
Last UpdatedApril 2, 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%
▼
APR6.75%
Last UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
Range: 600-639; Rating: C; Max Term
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 UpdatedApril 2, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY, 10007 1823
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
Secured by Share Certificate
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
9823 Science Center Dr, Painted Post, NY, 14870
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 2, 2026
Details
As Low As; Borrow up to $20,000
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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
up to $20,000
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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
21 N Portage St, Westfield, NY, 14787
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 2, 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%
▼
APR7.00%
Last UpdatedApril 2, 2026
Details
Maximum Financing: $20,000
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Debt Consolidation
6.00%
▼
APR6.00%
Last UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
Credit Limit: $10,000 Single / $20,000 Joint Maximum
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 UpdatedApril 2, 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
Debt Consolidation
9.24%
▼
APR9.24%
Last UpdatedApril 2, 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 UpdatedApril 2, 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%
▼
APR9.25%
Last UpdatedApril 2, 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%
▼
APR9.49%
Last UpdatedApril 2, 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%
▼
APR9.74%
Last UpdatedApril 2, 2026
Details
No additional details available.
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
125 Wireless Blvd, Hauppauge, NY, 11788 3971
Debt Consolidation Loan
9.99%
▼
APR9.99%
Last UpdatedApril 2, 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%
▼
APR9.99%
Last UpdatedApril 2, 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%
▼
APR9.99%
Last UpdatedApril 2, 2026
Details
As Low As
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
225 W Broad St, Rochester, NY, 14608
Debt Consolidation
10.00%
▼
APR10.00%
Last UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 13 - 24 Months
10.25%
▼
APR10.25%
Last UpdatedApril 2, 2026
Details
As Low As
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
13 - 24 Months Debt Consolidation Loan
10.25%
▼
APR10.25%
Last UpdatedApril 2, 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 UpdatedApril 2, 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%
▼
APR10.49%
Last UpdatedApril 2, 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 UpdatedApril 2, 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%
▼
APR10.70%
Last UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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%
▼
APR11.25%
Last UpdatedApril 2, 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
11.49%
▼
APR11.49%
Last UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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%
▼
APR11.70%
Last UpdatedApril 2, 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 UpdatedApril 2, 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%
▼
APR12.20%
Last UpdatedApril 2, 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%
▼
APR12.45%
Last UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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%
▼
APR13.25%
Last UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
As Low As; Affinity offers rates as low as 13.50% APR1
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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
discount with direct deposit; $20 application fee; 1% origination fee* (upon approval of the loan)
Powered by
MonitorBankRates
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 UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 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) 1 - 36 Months A
7.00%
▼
APR7.00%
Last UpdatedApril 2, 2026
Details
Maximum Financing: $20,000
Oswego County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
90 E Bridge St, Oswego, NY, 13126
Signature Loans
7.00%
▼
APR7.00%
Last UpdatedApril 2, 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)
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 UpdatedApril 2, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY, 12306
Solar Improvement Loan
7.00%
▼
APR7.00%
Last UpdatedApril 2, 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 UpdatedApril 2, 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 UpdatedApril 2, 2026
Details
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
Powered by
MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in New York?
Most lenders in 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 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 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 New York?
Credit unions in 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 New York?
- SERVU Federal Credit Union: 3.99% (Here for you Loan)
- TrustCo Bank: 4.00% (Passbook Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- First New York Federal Credit Union: 4.74% (Solar Loan)
- First Source Federal Credit Union: 4.74% (Mechanical Breakdown Protection Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in New York. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 2, 2026.
