Best Personal Loan Rates in Herkimer, 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 Herkimer, New York include: First Source Federal Credit UnionFirst Source Federal Credit Union510 W State St, Herkimer, NY, 13350 2240A5.0 ★Texas Ratio: 8.13% offering Mechanical Breakdown Protection Loan at 4.74% APR, Citizens BankCitizens Bank324 N Prospect St, Herkimer, NY, 13350A5.0 ★Texas Ratio: 8.28% offering Medical Residency Refinance Loan at 5.45% APR, NBT BankNBT Bank399 E Albany St, Herkimer, NY, 13350A+5.0 ★Texas Ratio: 1.76% offering Personal Loan Unsecured at 8.59% APR, Adirondack BankAdirondack Bank214 N Washington St, Herkimer, NY, 13350A5.0 ★Texas Ratio: 10.45% offering Unsecured Personal Installment Loans at 9.75% APR, and AmeriCU Credit UnionAmeriCU Credit Union326 E State St, Herkimer, NY, 13350A-4.9 ★Texas Ratio: 16.15% offering Unspecified Loan at 10.75% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Herkimer has 5 local institutions in our database, with personal loan rates as low as 4.74% APR from First Source Federal Credit Union at 510 W State St, Herkimer, NY, 13350 2240. 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 Herkimer, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Herkimer, 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 6, 2026
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Fixed rates
Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
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No additional details available.
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Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 03/23/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000 ($5,000 for automobile loans), minimum credit score is 730, and maximum term is 36 months (48 months for automobile loans). Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
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No additional details available.
Fixed rates
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Variable rates
No additional details available.
As Low As; Amount Financed up to $5,000
$2,000 Max
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No additional details available.
As Low As; Up to $5,000.00; Special ends 3/31/2026
No additional details available.
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Actual rate offered may vary.
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.
No additional details available.
(seasonal)
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No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
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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$50,000; As Low As
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No additional details available.
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New money only, promotional Rate
No additional details available.
No additional details available.
Offer valid on equipment term loans only. No lines of credit. Offer expires 4/15/2026. No refinancing of Northwest exisiting debt. SBA Loans and business credit cards are not eligible for promotional offer. All standard rates and terms apply. See bank for detials.
No additional details available.
Minimum Loan Amount: $500 | Maximum Loan Amount: $1,000
No additional details available.
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1-Year Loan Term
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
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available October 15th
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%
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$3,000; available October 15- December 29, 2025
No additional details available.
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.
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."
No additional details available.
As Low As; RATES AND AMOUNTS ARE BASED ON CREDIT HISTORY
No additional details available.
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No additional details available.
As Low As; RATES AND AMOUNTS ARE BASED ON CREDIT HISTORY
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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
No additional details available.
As Low As; Special fixed up to 15 months!
No additional details available.
As Low As; Rates as low as 5.625% (6.508% APR)
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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.
As Low As; Rates are based on credit history and term
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No additional details available.
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Range: 600-639; Rating: C; Max Term
As Low As; Credit Score 600-639
No additional details available.
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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.
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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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As Low As; Repayment terms available up to 60 months. Maximum loan about $20,000.00.
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Secured by Share Certificate
No additional details available.
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New money only, promotional Rate
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No additional details available.
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As Low As; longer terms with slightly higher rates are available
Credit Score: 730 +
Maximum Financing: $20,000
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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.
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
Credit Limit: $10,000 Single / $20,000 Joint Maximum
No additional details available.
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Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 03/23/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000 ($5,000 for automobile loans), minimum credit score is 730, and maximum term is 36 months (48 months for automobile loans). Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
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Secured by Shares
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
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No additional details available.
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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
As Low As; Credit Score 730+
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Range: 730+; Rating: A+; Max Term
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As Low As; Credit Score 640-679
As Low As; Only Available to "A+," "A," "B," and "C." Proceeds CANNOT be used to pay off/refinance existing GWFCU loans.
Range: 640-679; Rating: B; Max Term
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.
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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No additional details available.
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Secured by Share Certificate
No additional details available.
Credit Limit: $7,500 Single / $15,000 Joint Maximum
No additional details available.
Maximum Financing: $20,000
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
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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
No additional details available.
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Credit Limit: $10,000 Single / $20,000 Joint Maximum
No additional details available.
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Qualifications Required: direct deposit of net pay; a checking account; As Low As; Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms.
No additional details available.
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As Low As; Amount of Loan: Up to $20,000
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up to 48 months
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49 to 60 months
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As Low As; 25-60 months max
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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
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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
$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
Herkimer, NY Personal Loan Rate Trends
Compare local Herkimer, 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 0.206 points over the past 7 days to 9.809% APR.
New York signature loan rates currently average 9.648% 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 Herkimer, New York?
What are the best personal loan rates in Herkimer, New York?
- First Source Federal Credit Union: 4.74% (Mechanical Breakdown Protection Loan)
- Citizens Bank: 5.45% (Medical Residency Refinance Loan)
- NBT Bank: 8.59% (Personal Loan Unsecured)
- Adirondack Bank: 9.75% (Unsecured Personal Installment Loans)
- AmeriCU Credit Union: 10.75% (Unspecified Loan)
Personal Loan Calculators
