Best Personal Loan Rates in Cooperstown, New York (NY) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Cooperstown, New York include: Community BankCommunity Bank5378 State Highway 28, Cooperstown, NY, 13326A+5.0 ★Texas Ratio: 3.23% offering Unsecured Personal loan at 7.89% APR, BROADVIEWBROADVIEW169 Main St, Cooperstown, NY, 13326A+5.0 ★Texas Ratio: 0.00% offering Sportscraft Loan at 8.24% APR, Leatherstocking Region Federal Credit UnionLeatherstocking Region Federal Credit Union24 Glen Ave, Cooperstown, NY, 13326 1122A5.0 ★Texas Ratio: 6.15% offering Personal Loan at 8.49% APR, GPO Federal Credit UnionGPO Federal Credit UnionA+5.0 ★Texas Ratio: 2.06% offering Boost Credit Loan at 3.99% APR, and TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Cooperstown has 3 local institutions in our database, with personal loan rates as low as 7.89% APR from Community Bank at 5378 State Highway 28, Cooperstown, NY, 13326. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Cooperstown, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Cooperstown, 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 19, 2026
FIXED APR WITH AUTO PAY
Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As
As Low As; These loans can be used for a wide range of purposes from debt consolidation to home improvements and more. We offer flexible terms ranging from 6 to 84 months (Rates start as low as 8.49% APR*).
As Low As
Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
No additional details available.
Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
No additional details available.
Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
No additional details available.
No additional details available.
Includes ATVs, Jet Skis, Snowmobiles, and UTVs. Rates quoted are the lowest available rates based on overall creditworthiness.
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As Low As
No additional details available.
No additional details available.
As Low As
Secured by Shares
Actual rate offered may vary.
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(seasonal)
Actual rate offered may vary.
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.
No additional details available.
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
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$50,000; As Low As
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Primary 1-2 Family Homes, Primary Condominiums & Coops
No additional details available.
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$3,000 available October 15- December 29
As Low As
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As; With 1st National Deposit Account as Collateral
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Primary 1 & 2 Family Homes, Primary Condominiums & Coops
As Low As
No additional details available.
As Low As; Rates are based on credit history and term
No additional details available.
No additional details available.
Primary 1 & 2 Family Homes, Primary Condominiums & Coops
As Low As; w/ Auto Pay Discount
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As Low As
As Low As; w/ Auto Pay Discount: as low as 6.39%
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As Low As; Special fixed up to 15 months!
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No additional details available.
As Low As; Rates are based on credit history and term
No additional details available.
As Low As
As Low As; RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
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Investment Property 1- to 4-Family & Primary 3- to 4-Family Homes & Investment Condominiums
No additional details available.
As Low As
new rates require a minimum advance of $1,000.00
No additional details available.
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As Low As
No additional details available.
No additional details available.
As Low As
Secured by Share Certificate
No additional details available.
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
No additional details available.
As Low As
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No additional details available.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
No additional details available.
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Credit Limit: $7,500 Single / $15,000 Joint Maximum
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As Low As
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As Low As; Up to 60 months
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Investment Property 1- to 4-Family & Primary 3- to 4-Family Homes & Investment Condominiums
As Low As; w/ Auto Pay Discount
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$300 - $25,000; As Low As
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As Low As; Up to $25,000
As Low As; w/ Auto Pay Discount: as low as 7.39%
No additional details available.
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
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As Low As
Credit Score 760+, Credit Tier A+
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No additional details available.
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As Low As; Fixed up to 36 months
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FIXED APR WITH AUTO PAY
As Low As
As Low As
No additional details available.
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No additional details available.
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Secured by Shares
As Low As
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As
No additional details available.
As Low As; With 1st National Deposit Account as Collateral
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
As Low As; w/ Auto Pay Discount
As Low As
As Low As
As Low As; w/ Auto Pay Discount: as low as 6.39%
As Low As; Special fixed up to 15 months!
No additional details available.
As Low As
As Low As; RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
Secured by Share Certificate
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
No additional details available.
As Low As
As Low As; w/ Auto Pay Discount
As Low As; Up to $25,000
As Low As; w/ Auto Pay Discount: as low as 7.39%
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$300 - $25,000; As Low As
As Low As
No additional details available.
Credit Score 760+, Credit Tier A+
As Low As
As Low As; Fixed up to 36 months
As Low As
No additional details available.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
Credit Limit: $10,000 Single / $20,000 Joint Maximum
No additional details available.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As; Borrow up to $10,000.00, Delay first payment for 60 days
No additional details available.
No additional details available.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
No additional details available.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
No additional details available.
No additional details available.
As Low As; *The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval.
No additional details available.
As Low As
As Low As
No additional details available.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
No additional details available.
No additional details available.
As Low As; months max
No additional details available.
No additional details available.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As
No additional details available.
As Low As; months max
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As
As Low As
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
As Low As
No additional details available.
discount with direct deposit
As Low As; These loans can be used for a wide range of purposes from debt consolidation to home improvements and more. We offer flexible terms ranging from 6 to 84 months (Rates start as low as 8.49% APR*).
No additional details available.
No additional details available.
new rates require a minimum advance of $1,000.00
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
Cooperstown, NY Personal Loan Rate Trends
Compare local Cooperstown, NY personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New York personal loan rates fell 0.192 points over the past 7 days to 9.780% APR.
New York signature loan rates rose 0.070 points over the past 7 days to 9.848% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in New York?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in New York?
Are credit unions or banks better for personal loans in Cooperstown, New York?
What are the best personal loan rates in Cooperstown, New York?
- Community Bank: 7.89% (Unsecured Personal loan)
- BROADVIEW: 8.24% (Sportscraft Loan)
- Leatherstocking Region Federal Credit Union: 8.49% (Personal Loan)
- GPO Federal Credit Union: 3.99% (Boost Credit Loan)
- TrustCo Bank: 4.00% (Passbook Loan)
Personal Loan Calculators
