Best Personal Loan Rates in Poughkeepsie, 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 Poughkeepsie, New York include: TrustCo BankTrustCo Bank2656 S Rd (rt 9), Poughkeepsie, NY, 12601A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Mid-Hudson Valley Federal Credit UnionMid-Hudson Valley Federal Credit Union21 Burnett Blvd, Poughkeepsie, NY, 12603A+5.0 ★Texas Ratio: 3.69% offering Fixed Equity Loan (5 Year) at 6.50% APR, TEG Federal Credit UnionTEG Federal Credit Union1 Commerce St, Poughkeepsie, NY, 12603A+5.0 ★Texas Ratio: 2.72% offering Personal Loan at 7.99% APR, Hudson Valley Credit UnionHudson Valley Credit Union2373 South Rd, Poughkeepsie, NY, 12601 5585A+5.0 ★Texas Ratio: 3.95% offering 180 Month Loan LTV up to 125% at 9.00% APR, and GPO Federal Credit UnionGPO Federal Credit UnionA+5.0 ★Texas Ratio: 2.06% offering Flex Equity Loan at 3.99% APR. Personal loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Poughkeepsie has 4 local institutions in our database, with personal loan rates as low as 4.00% APR from TrustCo Bank at 2656 S Rd (rt 9), Poughkeepsie, NY, 12601. 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 Poughkeepsie, New York.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Poughkeepsie, New York. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 27, 2026
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As Low As
$300 - $25,000; As Low As
As Low As
$300 - $25,000; As Low As
$30,000 maximum
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As Low As; Intro rate as low as 3.99% APR*
As Low As; 3.99% APR*
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As Low As
Actual rate offered may vary.
As Low As
Secured by Shares
As Low As
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As Low As
As Low As; 4.99% APR*
As Low As; 4.99% APR*
seasonal
As Low As
As Low As
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.
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As Low As
As Low As
$50,000; As Low As
As Low As; 5.49% APR*
As Low As; 5.49% APR*
As Low As
As Low As
As Low As; 5.74% APR*
As Low As; New car for the used car price
Primary 1-2 Family Homes, Primary Condominiums & Coops
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As Low As; 5.99% APR*
As Low As; 5.99% APR*
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As Low As
As Low As
As Low As; With 1st National Deposit Account as Collateral
$3,000 available October 15- December 29
As Low As
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Primary 1 & 2 Family Homes, Primary Condominiums & Coops
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As Low As; Rates are based on credit history and term
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Primary 1 & 2 Family Homes, Primary Condominiums & Coops
As Low As; w/ Auto Pay Discount
As Low As
As Low As; 6.49% APR*
As Low As; 6.49% APR*
As Low As; w/ Auto Pay Discount: as low as 6.39%
As Low As
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As Low As
As Low As
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As Low As; Special fixed up to 15 months!
As Low As
As Low As
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As Low As; 6.74% APR*
As Low As; RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
$4,999
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As Low As
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As Low As; Rates are based on credit history and term
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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 rates require a minimum advance of $1,000.00
As Low As
As Low As
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As Low As; 6.99% APR*
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Secured by Share Certificate
As Low As
As Low As
As Low As
As Low As
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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
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As Low As
As Low As
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As Low As; 7.24% APR*
As Low As; Up to 60 months
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$8,000 - $10,000
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As Low As
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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
As Low As
As Low As
As Low As
As Low As
As Low As; w/ Auto Pay Discount: as low as 7.39%
As Low As; Starting at 7.49%
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As Low As
$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
As Low As
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As Low As
As Low As
As Low As
As Low As; Fixed up to 36 months
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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
$15
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As Low As; Rates are based on credit history and term
As Low As
As Low As
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FIXED APR WITH AUTO PAY
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As Low As
As Low As
As Low As
$300 - $25,000; As Low As
As Low As
$300 - $25,000; As Low As
As Low As
As Low As
As Low As
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Secured by Shares
As Low As
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As Low As; New car for the used car price
As Low As; With 1st National Deposit Account as Collateral
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As Low As; w/ Auto Pay Discount
As Low As
As Low As; w/ Auto Pay Discount: as low as 6.39%
As Low As
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As Low As; Special fixed up to 15 months!
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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
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As Low As
Secured by Share Certificate
No additional details available.
As Low As
As Low As; w/ Auto Pay Discount
As Low As
As Low As; w/ Auto Pay Discount: as low as 7.39%
As Low As; Starting at 7.49%
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As Low As
As Low As; Fixed up to 36 months
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FIXED APR WITH AUTO PAY
As Low As
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As Low As; Borrow up to $10,000.00, Delay first payment for 60 days
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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.
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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
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.
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As Low As; 10.50%
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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
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As Low As; 11.50%
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
discount with direct deposit
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$4,999
new rates require a minimum advance of $1,000.00
As Low As
As Low As
$8,000 - $10,000
As Low As
As Low As
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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
Poughkeepsie, NY Personal Loan Rate Trends
Compare local Poughkeepsie, 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 rose 0.051 points over the past 7 days to 9.831% APR.
New York signature loan rates fell 0.328 points over the past 7 days to 9.520% 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 Poughkeepsie, New York?
What are the best personal loan rates in Poughkeepsie, New York?
- TrustCo Bank: 4.00% (Passbook Loan)
- Mid-Hudson Valley Federal Credit Union: 6.50% (Fixed Equity Loan (5 Year))
- TEG Federal Credit Union: 7.99% (Personal Loan)
- Hudson Valley Credit Union: 9.00% (180 Month Loan LTV up to 125%)
- GPO Federal Credit Union: 3.99% (Flex Equity Loan)
Personal Loan Calculators
