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: GPO Federal Credit UnionGPO Federal Credit Union4311 Middle Settlement Rd, New Hartford, NY, 13413A+5.0 ★Texas Ratio: 2.06% offering Save & Boost Credit 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, Holy Family Parma Federal Credit UnionHoly Family Parma Federal Credit Union110 John Muir Dr, Amherst, NY, 14228 1148A+5.0 ★Texas Ratio: 2.42% offering All Loans 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 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. Personal loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across New York side-by-side. New York personal loan rates currently start as low as 3.99% APR from GPO Federal Credit Union at 4311 Middle Settlement Rd, New Hartford, NY, 13413. 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 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 27, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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
3.99%
▼
APR3.99%
Last UpdatedApril 29, 2026
Details
As Low As; 3.99% APR*
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Flex Equity Loan
3.99%
▼
APR3.99%
Last UpdatedApril 29, 2026
Details
As Low As; Intro rate as low as 3.99% APR*
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 29, 2026
Details
No additional details available.
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
110 John Muir Dr, Amherst, NY, 14228 1148
All Loans
4.00%
▼
APR4.00%
Last UpdatedApril 29, 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 29, 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 29, 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 29, 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 29, 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 29, 2026
Details
Secured by Shares
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 29, 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 29, 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 29, 2026
Details
As Low As
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY, 13202
Holiday Loan
4.99%
▼
APR4.99%
Last UpdatedApril 29, 2026
Details
seasonal
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY, 13413
First Lien Loan
4.99%
▼
APR4.99%
Last UpdatedApril 29, 2026
Details
As Low As; 4.99% APR*
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
4.99%
▼
APR4.99%
Last UpdatedApril 29, 2026
Details
As Low As; 4.99% APR*
URBAN UPBOUND
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
1303B 40th Ave, Long Island City, NY, 11101
Personal Loans
4.99%
▼
APR4.99%
Last UpdatedApril 29, 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 UpdatedApril 29, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Solar Loan
4.99%
▼
APR4.99%
Last UpdatedApril 29, 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 29, 2026
Details
As Low As; Unless noted, all payroll deducted loans will receive an additional .25% off loan rates shown. All Loan Rates are stated in terms of Annual Percentage Rate (APR). Loan Rates are for qualified members.
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
107 Broadway, Hornell, NY, 14843
Short Term Personal Loan
5.00%
▼
APR5.00%
Last UpdatedApril 29, 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
5.00%
▼
APR5.00%
Last UpdatedApril 29, 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 29, 2026
Details
As Low As
Niagara Falls Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6040 Lindbergh Ave, Niagara Falls, NY, 14304 3150
Summer/Holiday Loan
5.25%
▼
APR5.25%
Last UpdatedApril 29, 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
Second Lien Loan
5.49%
▼
APR5.49%
Last UpdatedApril 29, 2026
Details
As Low As; 5.49% APR*
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 29, 2026
Details
As Low As; 5.49% APR*
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 29, 2026
Details
$50,000; 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 29, 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 29, 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 29, 2026
Details
As Low As; New car for the used car price
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
5.74%
▼
APR5.74%
Last UpdatedApril 29, 2026
Details
As Low As; 5.74% APR*
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY, 11378
Refinance Loan
5.76%
▼
APR5.76%
Last UpdatedApril 29, 2026
Details
Primary 1-2 Family Homes, Primary Condominiums & Coops
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 29, 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
First Lien Loan
5.99%
▼
APR5.99%
Last UpdatedApril 29, 2026
Details
As Low As; 5.99% APR*
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 29, 2026
Details
As Low As; 5.99% APR*
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
9823 Science Center Dr, Painted Post, NY, 14870
Collateral Loans
5.99%
▼
APR5.99%
Last UpdatedApril 29, 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 UpdatedApril 29, 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 29, 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 29, 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 UpdatedApril 29, 2026
Details
As Low As; With 1st National Deposit Account as Collateral
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 29, 2026
Details
$3,000 available October 15- December 29
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 29, 2026
Details
As Low As
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 29, 2026
Details
No additional details available.
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY, 11378
Refinance Loan
6.01%
▼
APR6.01%
Last UpdatedApril 29, 2026
Details
Primary 1 & 2 Family Homes, Primary Condominiums & Coops
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 29, 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)
6.25%
▼
APR6.25%
Last UpdatedApril 29, 2026
Details
As Low As; Rates are based on credit history and 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 29, 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 UpdatedApril 29, 2026
Details
No additional details available.
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY, 11378
Refinance Loan
6.26%
▼
APR6.26%
Last UpdatedApril 29, 2026
Details
Primary 1 & 2 Family Homes, Primary Condominiums & Coops
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 29, 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
6.40%
▼
APR6.40%
Last UpdatedApril 29, 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
Second Lien Loan
6.49%
▼
APR6.49%
Last UpdatedApril 29, 2026
Details
As Low As; 6.49% APR*
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 29, 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
First Lien Loan
6.49%
▼
APR6.49%
Last UpdatedApril 29, 2026
Details
As Low As; 6.49% APR*
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 29, 2026
Details
As Low As; Special fixed up to 15 months!
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Kingston, NY, 12401
Fixed Equity Loan (5 Year)
6.50%
▼
APR6.50%
Last UpdatedApril 29, 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 UpdatedApril 29, 2026
Details
No additional details available.
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 29, 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 Loan
6.50%
▼
APR6.50%
Last UpdatedApril 29, 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 UpdatedApril 29, 2026
Details
As Low As
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 29, 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 UpdatedApril 29, 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 UpdatedApril 29, 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 29, 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
6.74%
▼
APR6.74%
Last UpdatedApril 29, 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
First Lien Loan
6.74%
▼
APR6.74%
Last UpdatedApril 29, 2026
Details
As Low As; 6.74% APR*
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 29, 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 UpdatedApril 29, 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 29, 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 29, 2026
Details
$4,999
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
215 Park Row, New York, NY, 10038
PERSONAL LOANS
6.75%
▼
APR6.75%
Last UpdatedApril 29, 2026
Details
As Low As; RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
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 29, 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 UpdatedApril 29, 2026
Details
As Low As; Rates are based on credit history and term
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 29, 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 29, 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 29, 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 29, 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 UpdatedApril 29, 2026
Details
No additional details available.
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY, 11378
Refinance Loan
6.77%
▼
APR6.77%
Last UpdatedApril 29, 2026
Details
Investment Property 1- to 4-Family & Primary 3- to 4-Family Homes & Investment Condominiums
MOOG EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Land Loans
6.79%
▼
APR6.79%
Last UpdatedApril 29, 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 29, 2026
Details
As Low As
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 29, 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 29, 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 29, 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 29, 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
Second Lien Loan
6.99%
▼
APR6.99%
Last UpdatedApril 29, 2026
Details
As Low As; 6.99% APR*
Lufthansa Employee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1065 OLD COUNTRY RD STE 215, WESTBURY, NY, 11590
Personal Loans
6.99%
▼
APR6.99%
Last UpdatedApril 29, 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 29, 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 29, 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 29, 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
7.00%
▼
APR7.00%
Last UpdatedApril 29, 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 UpdatedApril 29, 2026
Details
As Low As
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
21 N Portage St, Westfield, NY, 14787
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedApril 29, 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 UpdatedApril 29, 2026
Details
No additional details available.
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 29, 2026
Details
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
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 29, 2026
Details
No additional details available.
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
Personal Lifestyle Loan
7.00%
▼
APR7.00%
Last UpdatedApril 29, 2026
Details
As Low As
IAM Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.65%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
Non-Collateral Signature Loans
7.00%
▼
APR7.00%
Last UpdatedApril 29, 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 UpdatedApril 29, 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 29, 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 29, 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
7.09%
▼
APR7.09%
Last UpdatedApril 29, 2026
Details
As Low As
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3031 William St, Cheektowaga, NY, 14227
Recreational Loans
7.24%
▼
APR7.24%
Last UpdatedApril 29, 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
7.24%
▼
APR7.24%
Last UpdatedApril 29, 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
Second Lien Loan
7.24%
▼
APR7.24%
Last UpdatedApril 29, 2026
Details
As Low As; 7.24% APR*
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
Mini Equity Loan
7.25%
▼
APR7.25%
Last UpdatedApril 29, 2026
Details
As Low As; Up to 60 months
Griffith Institute Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
64 E Main St Ste 3, Springville, NY, 14141
Used Recreational Loans
7.25%
▼
APR7.25%
Last UpdatedApril 29, 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
7.25%
▼
APR7.25%
Last UpdatedApril 29, 2026
Details
$8,000 - $10,000
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2859 Lindy Ln, Wellsville, NY, 14895 9337
Used other collateral loans
7.25%
▼
APR7.25%
Last UpdatedApril 29, 2026
Details
No additional details available.
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
420 Lexington Ave Rm 850, New York, NY, 10170 0033
Loans
7.25%
▼
APR7.25%
Last UpdatedApril 29, 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
7.25%
▼
APR7.25%
Last UpdatedApril 29, 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+ Used
7.25%
▼
APR7.25%
Last UpdatedApril 29, 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 Used
7.25%
▼
APR7.25%
Last UpdatedApril 29, 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+
7.25%
▼
APR7.25%
Last UpdatedApril 29, 2026
Details
No additional details available.
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY, 11378
Refinance Loan
7.26%
▼
APR7.26%
Last UpdatedApril 29, 2026
Details
Investment Property 1- to 4-Family & Primary 3- to 4-Family Homes & Investment Condominiums
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Personal Loans
7.39%
▼
APR7.39%
Last UpdatedApril 29, 2026
Details
As Low As; w/ Auto Pay Discount
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
Signature Loans
7.45%
▼
APR7.45%
Last UpdatedApril 29, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY, 10580
HELOAN - Primary Residence - 80% CLTV - 10 Year
7.48%
▼
APR7.48%
Last UpdatedApril 29, 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
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedApril 29, 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
Personal Loan 0-47 Months Term
7.49%
▼
APR7.49%
Last UpdatedApril 29, 2026
Details
$300 - $25,000; As Low As
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
8900 VAN WYCK EXPY, JAMAICA, NY, 11418
Personal Signature Loans
7.49%
▼
APR7.49%
Last UpdatedApril 29, 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
7.49%
▼
APR7.49%
Last UpdatedApril 29, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 7.39%
Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
27 W Main St, Fillmore, NY, 14735
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedApril 29, 2026
Details
As Low As; Starting at 7.49%
Palisades Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.50%
1 Blue Hill Plz, Pearl River, NY, 10965 3104
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedApril 29, 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
7.50%
▼
APR7.50%
Last UpdatedApril 29, 2026
Details
As Low As
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
127 Schwenk Dr, Kingston, NY, 12401
Energy Star Loan
7.50%
▼
APR7.50%
Last UpdatedApril 29, 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
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
ONEIDA COUNTY
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
800 Park Ave, Utica, NY, 13501
Tax Loan Special
7.50%
▼
APR7.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
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 29, 2026
Details
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
Personal Lifestyle Loan
7.50%
▼
APR7.50%
Last UpdatedApril 29, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
Hot Tub/Sauna Loans
7.50%
▼
APR7.50%
Last UpdatedApril 29, 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+
7.50%
▼
APR7.50%
Last UpdatedApril 29, 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
7.50%
▼
APR7.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
Pool Loans
7.50%
▼
APR7.50%
Last UpdatedApril 29, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY, 10580
HELOAN - Primary Residence - 90% CLTV - 5 Year
7.55%
▼
APR7.55%
Last UpdatedApril 29, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY, 10007 1823
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 29, 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
7.74%
▼
APR7.74%
Last UpdatedApril 29, 2026
Details
As Low As; Fixed up to 36 months
Oswego Teachers Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
90 W Utica St, Oswego, NY, 13126 3048
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 29, 2026
Details
No additional details available.
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 29, 2026
Details
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
Kaleida Health Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
100 High St, Buffalo, NY, 14203 1126
Unsecured k
7.75%
▼
APR7.75%
Last UpdatedApril 29, 2026
Details
$15
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
33 57 Harrison St, Johnson City, NY, 13790
Used Sports Craft Loans
7.75%
▼
APR7.75%
Last UpdatedApril 29, 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
7.75%
▼
APR7.75%
Last UpdatedApril 29, 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)
7.75%
▼
APR7.75%
Last UpdatedApril 29, 2026
Details
As Low As; Rates are based on credit history and term
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
Pool Loans
7.75%
▼
APR7.75%
Last UpdatedApril 29, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
Hot Tub/Sauna Loans
7.75%
▼
APR7.75%
Last UpdatedApril 29, 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
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedApril 29, 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 B
7.75%
▼
APR7.75%
Last UpdatedApril 29, 2026
Details
No additional details available.
Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
11 Schuyler St, Belmont, NY, 14813
Unsecured Personal loan
7.89%
▼
APR7.89%
Last UpdatedApril 29, 2026
Details
FIXED APR WITH AUTO PAY
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
132 Cayuga Rd, Cheektowaga, NY, 14225
Personal Signature Loans
7.90%
▼
APR7.90%
Last UpdatedApril 29, 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
Fuel Loan Special
7.90%
▼
APR7.90%
Last UpdatedApril 29, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY, 10007 1823
Personal Loan
7.94%
▼
APR7.94%
Last UpdatedApril 29, 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 29, 2026
Details
Secured by Shares
URBAN UPBOUND
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
1303B 40th Ave, Long Island City, NY, 11101
Personal Loans
4.99%
▼
APR4.99%
Last UpdatedApril 29, 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 UpdatedApril 29, 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 29, 2026
Details
As Low As; New car for the used car price
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 29, 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 29, 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 29, 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
6.40%
▼
APR6.40%
Last UpdatedApril 29, 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 29, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 6.39%
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 29, 2026
Details
As Low As; Special fixed up to 15 months!
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedApril 29, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan
6.75%
▼
APR6.75%
Last UpdatedApril 29, 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 29, 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 LOANS
6.75%
▼
APR6.75%
Last UpdatedApril 29, 2026
Details
As Low As; RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
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 29, 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 29, 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 29, 2026
Details
As Low As
Lufthansa Employee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1065 OLD COUNTRY RD STE 215, WESTBURY, NY, 11590
Personal Loans
6.99%
▼
APR6.99%
Last UpdatedApril 29, 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 UpdatedApril 29, 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
7.09%
▼
APR7.09%
Last UpdatedApril 29, 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
7.39%
▼
APR7.39%
Last UpdatedApril 29, 2026
Details
As Low As; w/ Auto Pay Discount
Palisades Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.50%
1 Blue Hill Plz, Pearl River, NY, 10965 3104
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedApril 29, 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
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedApril 29, 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
Personal Loan 0-47 Months Term
7.49%
▼
APR7.49%
Last UpdatedApril 29, 2026
Details
$300 - $25,000; As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Personal Loans
7.49%
▼
APR7.49%
Last UpdatedApril 29, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 7.39%
Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
27 W Main St, Fillmore, NY, 14735
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedApril 29, 2026
Details
As Low As; Starting at 7.49%
Griffith Institute Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
64 E Main St Ste 3, Springville, NY, 14141
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedApril 29, 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
7.74%
▼
APR7.74%
Last UpdatedApril 29, 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
7.74%
▼
APR7.74%
Last UpdatedApril 29, 2026
Details
As Low As; Fixed up to 36 months
Oswego Teachers Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
90 W Utica St, Oswego, NY, 13126 3048
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 29, 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
7.75%
▼
APR7.75%
Last UpdatedApril 29, 2026
Details
No additional details available.
Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
11 Schuyler St, Belmont, NY, 14813
Unsecured Personal loan
7.89%
▼
APR7.89%
Last UpdatedApril 29, 2026
Details
FIXED APR WITH AUTO PAY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY, 10007 1823
Personal Loan
7.94%
▼
APR7.94%
Last UpdatedApril 29, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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 29, 2026
Details
No additional details available.
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY, 14624 4537
Debt Relief Loan
8.00%
▼
APR8.00%
Last UpdatedApril 29, 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 29, 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 29, 2026
Details
No additional details available.
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
Debt Consolidation Loan
9.00%
▼
APR9.00%
Last UpdatedApril 29, 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
9.25%
▼
APR9.25%
Last UpdatedApril 29, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
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 29, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
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 29, 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 29, 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 29, 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.
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 29, 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 29, 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 29, 2026
Details
As Low As
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
10.25%
▼
APR10.25%
Last UpdatedApril 29, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
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 29, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
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 29, 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 12-24 months max
10.50%
▼
APR10.50%
Last UpdatedApril 29, 2026
Details
As Low As; 10.50%
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Debt Consolidation Unsecured - up to 48 months
10.74%
▼
APR10.74%
Last UpdatedApril 29, 2026
Details
No additional details available.
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Debt Consolidation Unsecured - 49 to 60 months
10.89%
▼
APR10.89%
Last UpdatedApril 29, 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
11.25%
▼
APR11.25%
Last UpdatedApril 29, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
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 29, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
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 29, 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 29, 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 25-60 months max
11.50%
▼
APR11.50%
Last UpdatedApril 29, 2026
Details
As Low As; 11.50%
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
12.20%
▼
APR12.20%
Last UpdatedApril 29, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
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 29, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
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 29, 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 29, 2026
Details
As Low As
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
13.25%
▼
APR13.25%
Last UpdatedApril 29, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
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 29, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
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 29, 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 29, 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 29, 2026
Details
discount with direct deposit
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 29, 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 29, 2026
Details
$4,999
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 29, 2026
Details
new rates require a minimum advance of $1,000.00
IAM Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.65%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
Non-Collateral Signature Loans
7.00%
▼
APR7.00%
Last UpdatedApril 29, 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 UpdatedApril 29, 2026
Details
As Low As
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
656 N French Rd Ste 7, Amherst, NY, 14228 2104
Signature
7.25%
▼
APR7.25%
Last UpdatedApril 29, 2026
Details
$8,000 - $10,000
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
Signature Loans
7.45%
▼
APR7.45%
Last UpdatedApril 29, 2026
Details
As Low As
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
8900 VAN WYCK EXPY, JAMAICA, NY, 11418
Personal Signature Loans
7.49%
▼
APR7.49%
Last UpdatedApril 29, 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
Signature Loans
7.75%
▼
APR7.75%
Last UpdatedApril 29, 2026
Details
No additional details available.
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
132 Cayuga Rd, Cheektowaga, NY, 14225
Personal Signature Loans
7.90%
▼
APR7.90%
Last UpdatedApril 29, 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
Solar Improvement Loan
7.00%
▼
APR7.00%
Last UpdatedApril 29, 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 29, 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 29, 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
New York Personal Loan Rate Trends
Compare local New York 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.
Personal Loan — NY Avg
9.831%
▲ 0.051 vs 7 days ago
New York personal loan rates rose 0.051 points over the past 7 days to 9.831% APR.
Signature Loan — NY Avg
9.520%
▼ 0.328 vs 7 days ago
New York signature loan rates fell 0.328 points over the past 7 days to 9.520% APR.
As of Apr 29, 2026 • Rate data sourced from 8,500+ monitored institutions
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?
- GPO Federal Credit Union: 3.99% (Save & Boost Credit Loan)
- TrustCo Bank: 4.00% (Passbook Loan)
- Holy Family Parma Federal Credit Union: 4.00% (All Loans)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- First New York Federal Credit Union: 4.74% (Solar 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 27, 2026.
