Best Personal Loan Rates in Ellington, 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 Ellington, New York include: GPO Federal Credit UnionGPO Federal Credit UnionA+5.0 ★Texas Ratio: 2.06% offering Boost Credit Loan at 3.99% APR, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, First New York Federal Credit UnionFirst New York Federal Credit UnionA+5.0 ★Texas Ratio: 5.90% offering Solar Loan at 4.74% APR, and First Source Federal Credit UnionFirst Source Federal Credit UnionA5.0 ★Texas Ratio: 8.13% offering Mechanical Breakdown Protection Loan at 4.74% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
Ellington borrowers have access to 60 lenders serving the New York area, with personal loan rates as low as 3.99% APR from GPO Federal Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Ellington, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Ellington, 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 11, 2026
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Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval.
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Secured by Shares
No additional details available.
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Call the Credit Union for More Details or to Apply!
No additional details available.
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Actual rate offered may vary. Rates are subject to change at any time and all loans are subject to approval.
(seasonal)
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Credit Limit: $7,500 Single / $15,000 Joint Maximum
As Low As; Unless noted, all payroll deducted loans will receive an additional .25% off loan rates shown. All Loan Rates are stated in terms of Annual Percentage Rate (APR). Loan Rates are for qualified members.
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As Low As; Max $2,500
$50,000; As Low As
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As Low As; Winter Loan Sale
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Primary 1-2 Family Homes, Primary Condominiums & Coops
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As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
No additional details available.
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1-Year Loan Term
Minimum Loan Amount: $500 | Maximum Loan Amount: $1,000
$3,000 available October 15- December 29
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As; Regular APR: 14.00%
As Low As; With 1st National Deposit Account as Collateral
Primary 1 & 2 Family Homes, Primary Condominiums & Coops
Range: 730+; Rating: A+; Max Term
No additional details available.
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As Low As; Rates are based on credit history and term
As Low As; Credit Score 730+
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
No additional details available.
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds must be paid directly to college or university OR direct to pay off existing student loans. There is no payment deferment.
As Low As; Must be used to transfer credit cards or outstanding loans only and cannot be used to pay off existing GWFCU loans or credit cards - Only Available to "A+," "A," "B," and "C."
Primary 1 & 2 Family Homes, Primary Condominiums & Coops
No additional details available.
As Low As; w/ Auto Pay Discount
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As Low As; Winter Loan Sale
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No additional details available.
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As Low As; Personal Loan Rates
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Range: 640-679; Rating: B; Max Term
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
As Low As; Credit Score 640-679
As Low As; Special fixed up to 15 months!
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As Low As
No additional details available.
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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.
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As Low As; Rates are based on credit history and term
Range: 600-639; Rating: C; Max Term
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
As Low As; Credit Score 600-639
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Investment Property 1- to 4-Family & Primary 3- to 4-Family Homes & Investment Condominiums
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As Low As; New electronics, home renovations, catch up on bills.
new rates require a minimum advance of $1,000.00
No additional details available.
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Secured by Share Certificate
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As Low As; Offer available through August 31, 2026.
As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
No additional details available.
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$25,000 maximum credit 680 and higher; $35,000 maximum credit 700 and higher; $50,000 maximum credit 720 and higher
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As Low As; longer terms with slightly higher rates are available
Maximum Financing: $20,000
Credit Score: 730 +
As Low As; Only Available to "A+," "A," "B," and "C." Purchase or Refinance. Available for single residential lots up to 5 acres. Same requirements as First Mortgage Loans incl. app fee.
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Credit Limit: $10,000 Single / $20,000 Joint Maximum
Credit Limit: $7,500 Single / $15,000 Joint Maximum
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As Low As; The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account.
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Secured by Shares
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
As Low As; Max $2,500
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
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
1-Year Loan Term
Range: 730+; Rating: A+; Max Term
As Low As; Credit Score 730+
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
As Low As; w/ Auto Pay Discount
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As Low As; Personal Loan Rates
Range: 640-679; Rating: B; Max Term
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
As Low As; Credit Score 640-679
As Low As; Special fixed up to 15 months!
As Low As; Credit Score 600-639
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Range: 600-639; Rating: C; Max Term
No additional details available.
As Low As; RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
As Low As
No additional details available.
Secured by Share Certificate
As Low As
As Low As
No additional details available.
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
Maximum Financing: $20,000
As Low As
As Low As; The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As; New electronics, home renovations, catch up on bills.
Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As
No additional details available.
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Credit Limit: $10,000 Single / $20,000 Joint Maximum
As Low As; Borrow up to $10,000.00, Delay first payment for 60 days
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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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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.
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As Low As; Amount of Loan: Up to $20,000
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As Low As; 12-24 months max
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up to 48 months
49 to 60 months
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As Low As; 25-60 months max
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No additional details available.
discount with direct deposit; $20 application fee; 1% origination fee* (upon approval of the loan)
No additional details available.
No additional details available.
new rates require a minimum advance of $1,000.00
Maximum Financing: $20,000
As Low As; longer terms with slightly higher rates are 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
Ellington, NY Personal Loan Rate Trends
Compare local Ellington, 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 0.942 points over the past 7 days to 9.752% APR.
New York signature loan rates fell 0.500 points over the past 7 days to 9.642% 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 Ellington, New York?
What are the best personal loan rates in Ellington, New York?
- GPO Federal Credit Union: 3.99% (Boost Credit Loan)
- TrustCo Bank: 4.00% (Passbook Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- First New York Federal Credit Union: 4.74% (Solar Loan)
- First Source Federal Credit Union: 4.74% (Mechanical Breakdown Protection Loan)
Personal Loan Calculators
