Best Personal Loan Rates in New York (NY) - May 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: Erie County Employees Credit UnionErie County Employees Credit Union95 Franklin St, Buffalo, NY, 14202 3927A+5.0 ★Texas Ratio: 0.98% offering Loan at 3.99% APR, GPO Federal Credit UnionGPO Federal Credit Union4311 Middle Settlement Rd, New Hartford, NY, 13413A+5.0 ★Texas Ratio: 1.97% offering Personal Unsecured Loans at 3.99% APR, FASNY Federal Credit UnionFASNY Federal Credit Union107 Washington Ave, Albany, NY, 12210 2231A+5.0 ★Texas Ratio: 0.01% offering Signature Loans at 4.00% APR, TrustCo BankTrustCo Bank112 State St, Albany, NY, 12207A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, and North East Welch Federal Credit UnionNorth East Welch Federal Credit Union21 N Portage St, Westfield, NY, 14787A+5.0 ★Texas Ratio: 2.64% offering New (2024-2026) Loan at 4.49% APR. Personal loan rates as of May 22, 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 Erie County Employees Credit Union at 95 Franklin St, Buffalo, NY, 14202 3927. 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: May 22, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
3.99%
▼
APR3.99%
Last UpdatedMay 22, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Personal Unsecured Loans
3.99%
▼
APR3.99%
Last UpdatedMay 22, 2026
Details
As Low As
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
4.00%
▼
APR4.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY, 12207
Passbook Loan
4.00%
▼
APR4.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
21 N Portage St, Westfield, NY, 14787
New (2024-2026) Loan
4.49%
▼
APR4.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
4.50%
▼
APR4.50%
Last UpdatedMay 22, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMay 22, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Solar Loan
4.74%
▼
APR4.74%
Last UpdatedMay 22, 2026
Details
Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval.
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY, 13413 6207
Mechanical Breakdown Protection Loan
4.74%
▼
APR4.74%
Last UpdatedMay 22, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMay 22, 2026
Details
As Low As
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
132 Cayuga Rd, Cheektowaga, NY, 14225
Loan Special
4.90%
▼
APR4.90%
Last UpdatedMay 22, 2026
Details
Call the Credit Union for More Details or to Apply!
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
132 Cayuga Rd, Cheektowaga, NY, 14225
Personal Signature Loans
4.90%
▼
APR4.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Vacation Loan Special
4.95%
▼
APR4.95%
Last UpdatedMay 22, 2026
Details
As Low As
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
New and used 2025 - 2026 Loan
4.99%
▼
APR4.99%
Last UpdatedMay 22, 2026
Details
As Low As
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
21 N Portage St, Westfield, NY, 14787
New (2024-2026) Loan
4.99%
▼
APR4.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
125 E Jefferson St, Syracuse, NY, 13202
Holiday Loan
4.99%
▼
APR4.99%
Last UpdatedMay 22, 2026
Details
(seasonal)
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
Solar Loan
4.99%
▼
APR4.99%
Last UpdatedMay 22, 2026
Details
Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval.
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 UpdatedMay 22, 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.
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
36-48 Months Loan
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
As Low As; When you contact them, make sure we are the lien holder on the vehicle
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Your Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 John Muir Dr, Amherst, NY, 14228 1148
Spring into Summer Loan
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
As Low As
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
IAM Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.38%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
Non-Collateral Signature Loans
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
As Low As; Up to 100% Collateralized Share Balance
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.35%
107 Broadway, Hornell, NY, 14843
Short Term Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
New and used 2025 - 2026 Loan
5.14%
▼
APR5.14%
Last UpdatedMay 22, 2026
Details
As Low As
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
Used 2021 - 2024 Loan
5.24%
▼
APR5.24%
Last UpdatedMay 22, 2026
Details
As Low As
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
5.25%
▼
APR5.25%
Last UpdatedMay 22, 2026
Details
As Low As
Niagara Falls Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6040 Lindbergh Ave, Niagara Falls, NY, 14304 3150
Summer/Holiday Loan
5.25%
▼
APR5.25%
Last UpdatedMay 22, 2026
Details
As Low As; Unless noted, all payroll deducted loans will receive an additional .25% off loan rates shown.
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
New and used 2025 - 2026 Loan
5.34%
▼
APR5.34%
Last UpdatedMay 22, 2026
Details
As Low As
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
Used 2021 - 2024 Loan
5.39%
▼
APR5.39%
Last UpdatedMay 22, 2026
Details
As Low As
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY, 13219
12 Year Monthly Loan
5.39%
▼
APR5.39%
Last UpdatedMay 22, 2026
Details
No additional details available.
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY, 13219
10 Year Monthly Loan
5.42%
▼
APR5.42%
Last UpdatedMay 22, 2026
Details
No additional details available.
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY, 13219
7 Year Monthly Loan
5.48%
▼
APR5.48%
Last UpdatedMay 22, 2026
Details
No additional details available.
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
21 N Portage St, Westfield, NY, 14787
New (2024-2026) Loan
5.49%
▼
APR5.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, New York, NY, 10036 2508
Musical Instruments Loans Tier Two - Loans up to $250,000
5.49%
▼
APR5.49%
Last UpdatedMay 22, 2026
Details
$50,000; As Low As
Rome Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.29%
937 Seneca St, Rome, NY, 13440
Unsecured Personal Loan
5.49%
▼
APR5.49%
Last UpdatedMay 22, 2026
Details
As Low As
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
5.50%
▼
APR5.50%
Last UpdatedMay 22, 2026
Details
As Low As
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
60 Months Loan
5.50%
▼
APR5.50%
Last UpdatedMay 22, 2026
Details
As Low As; When you contact them, make sure we are the lien holder on the vehicle
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
Used 2021 - 2024 Loan
5.59%
▼
APR5.59%
Last UpdatedMay 22, 2026
Details
As Low As
Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
180 Schwenk Dr, Kingston, NY, 12401
SONYMA Loan
5.68%
▼
APR5.68%
Last UpdatedMay 22, 2026
Details
No additional details available.
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
21 N Portage St, Westfield, NY, 14787
2022 - 2023 Loan
5.74%
▼
APR5.74%
Last UpdatedMay 22, 2026
Details
No additional details available.
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
5.74%
▼
APR5.74%
Last UpdatedMay 22, 2026
Details
No additional details available.
Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
924 Turin St, Rome, NY, 13440
Personal Loan
5.74%
▼
APR5.74%
Last UpdatedMay 22, 2026
Details
As Low As
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A+,A
5.75%
▼
APR5.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
5.75%
▼
APR5.75%
Last UpdatedMay 22, 2026
Details
As Low As
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
36-48 Months Loan
5.75%
▼
APR5.75%
Last UpdatedMay 22, 2026
Details
Beacon Score: 725+
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 UpdatedMay 22, 2026
Details
Primary 1-2 Family Homes, Primary Condominiums & Coops
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY, 13219
25 Year Bi-Weekly Special Loan
5.83%
▼
APR5.83%
Last UpdatedMay 22, 2026
Details
No additional details available.
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY, 13219
25 Year Biweekly Special Loan
5.83%
▼
APR5.83%
Last UpdatedMay 22, 2026
Details
No additional details available.
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
New and used 2025 - 2026 Loan
5.84%
▼
APR5.84%
Last UpdatedMay 22, 2026
Details
As Low As
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
55 Water St, New York, NY, 10041
Relationship Premium Loan
5.89%
▼
APR5.89%
Last UpdatedMay 22, 2026
Details
As Low As
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2401 44th Rd, Long Island City, NY, 11101
3/1-year variable Loan
5.90%
▼
APR5.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
100 Port Washington Blvd, Roslyn, NY, 11576
Personal Loan
5.90%
▼
APR5.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
Vacation Loan
5.90%
▼
APR5.90%
Last UpdatedMay 22, 2026
Details
up to 72 months
Sidney Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
42 Union St, Sidney, NY, 13838
Drop My Rate Promotion Loan
5.92%
▼
APR5.92%
Last UpdatedMay 22, 2026
Details
As Low As
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
55 Water St, New York, NY, 10041
Relationship Premium Loan
5.94%
▼
APR5.94%
Last UpdatedMay 22, 2026
Details
As Low As
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
New and used 2025 - 2026 Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
As Low As
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
21 N Portage St, Westfield, NY, 14787
New (2024-2026) Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
9823 Science Center Dr, Painted Post, NY, 14870
Collateral Loans
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
VAN CORTLANDT COOPERATIVE
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3960 Hillman Ave, Bronx, NY, 10463
All Purpose Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Holiday Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY, 13413 6207
Holiday Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
As Low As
UGEFCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
215 Old Campion Rd, New Hartford, NY, 13413 4953
Loan Special
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
Limited Time!
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY, 12302
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
As Low As; With 1st National Deposit Account as Collateral
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
464 Fairview Ave, Hudson, NY, 12534
Fuel Loan
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
As Low As
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New other collateral loans
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1 Chemung Canal Plz, Elmira, NY, 14901
80% CLTV 2nd Lien Loan
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
36-48 Months Loan
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
As Low As; When you contact them, make sure we are the lien holder on the vehicle
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 UpdatedMay 22, 2026
Details
Primary 1 & 2 Family Homes, Primary Condominiums & Coops
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY, 13219
25 Year Bi-Weekly Loan
6.08%
▼
APR6.08%
Last UpdatedMay 22, 2026
Details
No additional details available.
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
Used 2021 - 2024 Loan
6.09%
▼
APR6.09%
Last UpdatedMay 22, 2026
Details
As Low As
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
55 Water St, New York, NY, 10041
Relationship Premium Loan
6.14%
▼
APR6.14%
Last UpdatedMay 22, 2026
Details
As Low As
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY, 13219
25 Year Monthly Loan
6.21%
▼
APR6.21%
Last UpdatedMay 22, 2026
Details
No additional details available.
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
21 N Portage St, Westfield, NY, 14787
2022 - 2023 Loan
6.24%
▼
APR6.24%
Last UpdatedMay 22, 2026
Details
No additional details available.
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
6.24%
▼
APR6.24%
Last UpdatedMay 22, 2026
Details
No additional details available.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A+,A
6.25%
▼
APR6.25%
Last UpdatedMay 22, 2026
Details
No additional details available.
Griffith Institute Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
64 E Main St Ste 3, Springville, NY, 14141
New Recreational Loans
6.25%
▼
APR6.25%
Last UpdatedMay 22, 2026
Details
No additional details available.
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan
6.25%
▼
APR6.25%
Last UpdatedMay 22, 2026
Details
No additional details available.
Cattaraugus County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 Fair Oak St, Little Valley, NY, 14755
Recreational Loans (2022 and Newer)
6.25%
▼
APR6.25%
Last UpdatedMay 22, 2026
Details
As Low As; Rates are based on credit history and term
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
6.25%
▼
APR6.25%
Last UpdatedMay 22, 2026
Details
As Low As
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New other collateral loans
6.25%
▼
APR6.25%
Last UpdatedMay 22, 2026
Details
No additional details available.
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1 Chemung Canal Plz, Elmira, NY, 14901
80% CLTV 2nd Lien Loan
6.25%
▼
APR6.25%
Last UpdatedMay 22, 2026
Details
No additional details available.
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
60 Months Loan
6.25%
▼
APR6.25%
Last UpdatedMay 22, 2026
Details
Beacon Score: 725+
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 UpdatedMay 22, 2026
Details
Primary 1 & 2 Family Homes, Primary Condominiums & Coops
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Personal Loans
6.39%
▼
APR6.39%
Last UpdatedMay 22, 2026
Details
As Low As; w/ Auto Pay Discount
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
Personal Loans
6.40%
▼
APR6.40%
Last UpdatedMay 22, 2026
Details
As Low As
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
Personal Loans 1 - 3 Years Unsecured
6.40%
▼
APR6.40%
Last UpdatedMay 22, 2026
Details
As Low As
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
New and used 2025 - 2026 Loan
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
As Low As
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
Used 2016 - 2024 Loan
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
As Low As
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
55 Water St, New York, NY, 10041
Relationship Premium Loan
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Personal Loans
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
As Low As
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1 Chemung Canal Plz, Elmira, NY, 14901
80% CLTV 2nd Lien Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
60 Months Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As; When you contact them, make sure we are the lien holder on the vehicle
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
497 Electronics Pkwy, Liverpool, NY, 13088 6062
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As; Special fixed up to 15 months!
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY, 10007 1823
SUMMER LOAN
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As; Borrow up to $25,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY, 10007 1823
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As; Loan Amount: $500 - $25,000
Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
185 Genesee St, Utica, NY, 13501
New Lawn Equipment (Tractors, Mowers) 2024, 2025 & 2026 Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1 Chemung Canal Plz, Elmira, NY, 14901
90% CLTV 2nd Lien Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
Used other collateral loans
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New other collateral loans
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
95 Franklin St, Buffalo, NY, 14202 3927
Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
Personal Lifestyle Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As; APR = Annual Percentage Rate. Advertised rate is "as low as" and is determined by the credit worthiness of each applicant. Rates are subject to change without notice. Rates are for new ONE Credit Union loans, current ONE Credit Union loans are not eligible for rate refinancing. At 6.50% APR you will make 24 monthly payments of $45 per $1,000 of the loan. **Not all loans qualify for 72 months. Please use our payment calculator for specific payment estimates.
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 UpdatedMay 22, 2026
Details
No additional details available.
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY, 12401
Fixed Equity Loan (5 Year)
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
MOOG EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 0.11%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Land Loans
6.54%
▼
APR6.54%
Last UpdatedMay 22, 2026
Details
No additional details available.
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1 Chemung Canal Plz, Elmira, NY, 14901
90% CLTV 2nd Lien Loan
6.63%
▼
APR6.63%
Last UpdatedMay 22, 2026
Details
No additional details available.
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
21 N Portage St, Westfield, NY, 14787
2022 - 2023 Loan
6.74%
▼
APR6.74%
Last UpdatedMay 22, 2026
Details
No additional details available.
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY, 13209
New and used 2025 - 2026 Loan
6.74%
▼
APR6.74%
Last UpdatedMay 22, 2026
Details
As Low As
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
33 57 Harrison St, Johnson City, NY, 13790
New Sports Craft Loans
6.74%
▼
APR6.74%
Last UpdatedMay 22, 2026
Details
No additional details available.
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
6.74%
▼
APR6.74%
Last UpdatedMay 22, 2026
Details
No additional details available.
ATT-WYO Correctional Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
221 Main St, Attica, NY, 14011 1204
Recreational loans
6.74%
▼
APR6.74%
Last UpdatedMay 22, 2026
Details
As Low As
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY, 10038
PERSONAL LOANS
6.75%
▼
APR6.75%
Last UpdatedMay 22, 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.
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
656 N French Rd Ste 7, Amherst, NY, 14228 2104
Signature Loan
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
($4,999)
Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
185 Genesee St, Utica, NY, 13501
New Lawn Equipment (Tractors, Mowers) 2024, 2025 & 2026 Loan
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1 Chemung Canal Plz, Elmira, NY, 14901
90% CLTV 2nd Lien Loan
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1 Chemung Canal Plz, Elmira, NY, 14901
80% CLTV 2nd Lien Loan
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
Used other collateral loans
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New other collateral loans
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
36-48 Months Loan
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
Beacon Score: 675 - 724
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY, 10038
Personal Loan
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Cattaraugus County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
100 Fair Oak St, Little Valley, NY, 14755
Recreational Loans (2022 and Newer)
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
As Low As; Rates are based on credit history and term
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY, 12401
Fixed Equity Loan (10 Year)
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.35%
107 Broadway, Hornell, NY, 14843
Unsecured
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured B
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A+,A
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A+ New
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A New
6.75%
▼
APR6.75%
Last UpdatedMay 22, 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 UpdatedMay 22, 2026
Details
Investment Property 1- to 4-Family & Primary 3- to 4-Family Homes & Investment Condominiums
Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
180 Schwenk Dr, Kingston, NY, 12401
VA Loan
6.79%
▼
APR6.79%
Last UpdatedMay 22, 2026
Details
No additional details available.
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1 Chemung Canal Plz, Elmira, NY, 14901
90% CLTV 2nd Lien Loan
6.88%
▼
APR6.88%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2401 44th Rd, Long Island City, NY, 11101
5/1-year variable Loan
6.90%
▼
APR6.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
14202 20th Ave, Flushing, NY, 11351 3000
Signature Loans
6.90%
▼
APR6.90%
Last UpdatedMay 22, 2026
Details
new rates require a minimum advance of $1,000.00
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
100 Port Washington Blvd, Roslyn, NY, 11576
Personal Loan
6.90%
▼
APR6.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 6.66%
411 Theodore Fremd Ave, Rye, NY, 10580
HELOAN - Primary Residence - 80% CLTV - 5 Year
6.93%
▼
APR6.93%
Last UpdatedMay 22, 2026
Details
As Low As
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Personal Unsecured
6.95%
▼
APR6.95%
Last UpdatedMay 22, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY, 12207
Purchase (25 Year, 75% LTV) Loan
6.96%
▼
APR6.96%
Last UpdatedMay 22, 2026
Details
No additional details available.
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 UpdatedMay 22, 2026
Details
No additional details available.
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
14 Talmadge Ct, Monroe, NY, 10950 1526
Unsecured Loans
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
33 57 Harrison St, Johnson City, NY, 13790
New Sports Craft Loans
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY, 14850
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
1616 Broadway, Schenectady, NY, 12306
Personal Loans & Lines of Credit
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
Secured by Share Certificate
Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 20.45%
55 Water St, New York, NY, 10041
Credit$ense Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
Low Fixed Rate of
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY, 10003 8302
Unsecured Personal Loans
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
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: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.35%
107 Broadway, Hornell, NY, 14843
Short Term Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Rome Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.29%
937 Seneca St, Rome, NY, 13440
Unsecured Personal Loan
5.49%
▼
APR5.49%
Last UpdatedMay 22, 2026
Details
As Low As
Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
924 Turin St, Rome, NY, 13440
Personal Loan
5.74%
▼
APR5.74%
Last UpdatedMay 22, 2026
Details
As Low As
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
100 Port Washington Blvd, Roslyn, NY, 11576
Personal Loan
5.90%
▼
APR5.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY, 12302
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
As Low As; With 1st National Deposit Account as Collateral
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
Credit Limit: $7,500 Single / $15,000 Joint Maximum
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 UpdatedMay 22, 2026
Details
No additional details available.
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Personal Loans
6.39%
▼
APR6.39%
Last UpdatedMay 22, 2026
Details
As Low As; w/ Auto Pay Discount
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
Personal Loans
6.40%
▼
APR6.40%
Last UpdatedMay 22, 2026
Details
As Low As
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
Personal Loans 1 - 3 Years Unsecured
6.40%
▼
APR6.40%
Last UpdatedMay 22, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Personal Loans
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
As Low As
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
497 Electronics Pkwy, Liverpool, NY, 13088 6062
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As; Special fixed up to 15 months!
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY, 10007 1823
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As; Loan Amount: $500 - $25,000
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Personal Loan
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY, 10038
Personal Loan
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY, 10038
PERSONAL LOANS
6.75%
▼
APR6.75%
Last UpdatedMay 22, 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.
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
100 Port Washington Blvd, Roslyn, NY, 11576
Personal Loan
6.90%
▼
APR6.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
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 UpdatedMay 22, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY, 14850
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
1616 Broadway, Schenectady, NY, 12306
Personal Loans & Lines of Credit
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
Secured by Share Certificate
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY, 10003 8302
Unsecured Personal Loans
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY, 12401
Debt Consolidation
7.49%
▼
APR7.49%
Last UpdatedMay 22, 2026
Details
As Low As
VAN CORTLANDT COOPERATIVE
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3960 Hillman Ave, Bronx, NY, 10463
Debt Consolidation
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
VAN CORTLANDT COOPERATIVE
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3960 Hillman Ave, Bronx, NY, 10463
Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2998 Chili Ave, Rochester, NY, 14624 4537
Debt Relief Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As; Borrow up to $10,000.00, Delay first payment for 60 days
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.35%
107 Broadway, Hornell, NY, 14843
Debt Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Debt Consolidation
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As; 36 Months
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
Debt Consolidation Loan
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 12 Months
9.25%
▼
APR9.25%
Last UpdatedMay 22, 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: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
9.25%
▼
APR9.25%
Last UpdatedMay 22, 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: 4.33%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Debt Consolidation
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
As Low As; 60 months
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
125 E Jefferson St, Syracuse, NY, 13202
Debt Consolidation
9.74%
▼
APR9.74%
Last UpdatedMay 22, 2026
Details
No additional details available.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As; 72 Months
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Debt Consolidation
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
125 Wireless Blvd, Hauppauge, NY, 11788 3971
Debt Consolidation Loan
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As; *The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval.
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
125 E Jefferson St, Syracuse, NY, 13202
Debt Consolidation
10.24%
▼
APR10.24%
Last UpdatedMay 22, 2026
Details
No additional details available.
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
10.25%
▼
APR10.25%
Last UpdatedMay 22, 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: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 13 - 24 Months
10.25%
▼
APR10.25%
Last UpdatedMay 22, 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: 4.33%
26 Federal Plz Fl 31, New York, NY, 10278 1300
Debt Consolidation
10.49%
▼
APR10.49%
Last UpdatedMay 22, 2026
Details
As Low As; 84 Months
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
125 E Jefferson St, Syracuse, NY, 13202
Debt Consolidation
10.49%
▼
APR10.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Tonawanda Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
10 Jefferson Square Ave, Batavia, NY, 14020
Debt Consolidation 12-24 months max
10.50%
▼
APR10.50%
Last UpdatedMay 22, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Debt Consolidation Unsecured Loan
10.74%
▼
APR10.74%
Last UpdatedMay 22, 2026
Details
up to 48 months
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Debt Consolidation Unsecured Loan
10.89%
▼
APR10.89%
Last UpdatedMay 22, 2026
Details
49 to 60 months
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
11.25%
▼
APR11.25%
Last UpdatedMay 22, 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: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 25 - 36 Months
11.25%
▼
APR11.25%
Last UpdatedMay 22, 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: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Debt Consolidation
11.49%
▼
APR11.49%
Last UpdatedMay 22, 2026
Details
As Low As
Tonawanda Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
10 Jefferson Square Ave, Batavia, NY, 14020
Debt Consolidation 25-60 months max
11.50%
▼
APR11.50%
Last UpdatedMay 22, 2026
Details
As Low As
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
12.20%
▼
APR12.20%
Last UpdatedMay 22, 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: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 37 - 48 Months
12.20%
▼
APR12.20%
Last UpdatedMay 22, 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: 2.92%
2401 44th Rd, Long Island City, NY, 11101
Debt consolidation Loan
12.45%
▼
APR12.45%
Last UpdatedMay 22, 2026
Details
As Low As
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Debt Consolidation
12.49%
▼
APR12.49%
Last UpdatedMay 22, 2026
Details
As Low As
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
13.25%
▼
APR13.25%
Last UpdatedMay 22, 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: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 49 - 60 Months (5K Plus)
13.25%
▼
APR13.25%
Last UpdatedMay 22, 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: 4.05%
274 Rugar St, Plattsburgh, NY, 12901
Debt Consolidation
13.50%
▼
APR13.50%
Last UpdatedMay 22, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY, 12207
Debt Consolidation Loan
14.50%
▼
APR14.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.98%
1112 Saint Nicholas Ave, New York, NY, 10032
Debt Consolidation Loans
18.00%
▼
APR18.00%
Last UpdatedMay 22, 2026
Details
discount with direct deposit; $20 application fee; 1% origination fee* (upon approval of the loan)
Powered by
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
4.00%
▼
APR4.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
132 Cayuga Rd, Cheektowaga, NY, 14225
Personal Signature Loans
4.90%
▼
APR4.90%
Last UpdatedMay 22, 2026
Details
No additional details available.
IAM Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.38%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
Non-Collateral Signature Loans
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
As Low As; Up to 100% Collateralized Share Balance
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
5.74%
▼
APR5.74%
Last UpdatedMay 22, 2026
Details
No additional details available.
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
6.24%
▼
APR6.24%
Last UpdatedMay 22, 2026
Details
No additional details available.
FASNY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
107 Washington Ave, Albany, NY, 12210 2231
Signature Loans
6.74%
▼
APR6.74%
Last UpdatedMay 22, 2026
Details
No additional details available.
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
656 N French Rd Ste 7, Amherst, NY, 14228 2104
Signature Loan
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
($4,999)
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
14202 20th Ave, Flushing, NY, 11351 3000
Signature Loans
6.90%
▼
APR6.90%
Last UpdatedMay 22, 2026
Details
new rates require a minimum advance of $1,000.00
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: 10.99%
1616 Broadway, Schenectady, NY, 12306
Solar Improvement Loan
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
1616 Broadway, Schenectady, NY, 12306
Solar Improvement Loan
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
1616 Broadway, Schenectady, NY, 12306
Solar Improvement Loan
7.75%
▼
APR7.75%
Last UpdatedMay 22, 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
10.036%
▲ 0.482 vs 7 days ago
New York personal loan rates rose 0.482 points over the past 7 days to 10.036% APR.
Signature Loan — NY Avg
9.025%
▼ 0.079 vs 7 days ago
New York signature loan rates fell 0.079 points over the past 7 days to 9.025% APR.
As of May 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New York personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for New York directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in New York. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in NY.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
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?
- Erie County Employees Credit Union: 3.99% (Loan)
- GPO Federal Credit Union: 3.99% (Personal Unsecured Loans)
- FASNY Federal Credit Union: 4.00% (Signature Loans)
- TrustCo Bank: 4.00% (Passbook Loan)
- North East Welch Federal Credit Union: 4.49% (New (2024-2026) 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: May 22, 2026.
