You're Goals Are Our Goals

Helping you reach your financial goals is our highest priority. Our expert loan officers in Plattsburgh, Tupper Lake, and Potsdam can help you learn about all of the personal loan options available. And we can often approve your loan in less than 24 hours to get you money when you need it.

Need a personal loan but have no credit or bad credit? No worries, we can start small and help you build great credit!

Apply for a Personal Loan

* Every one of our tellers, loan officers and branch managers is in the midst of training to become a certified financial counselor. Each of our branches already has at least one counselor.
For you, that means we can help assess your individual situation and give you the tools to make an informed decision. So you know the financial impact of your choices before you make them.

Personal Loans Rates

Loan rates accurate as of 01/01/2024
Loan Type TermAPR* starting at
Signature LoansUnsecured60 Months10.75%
 Consolidation60 Months10.75%
 Overdraft12 Months12.75%
 Share/Certificate60 MonthsDividend- Regular Share

*Actual APR and maximum amount financed are determined upon the applicant's credit score.

Personal Loan Calculator

Unsure if a personal loan is the right option? Use our calculator to understand how your interest rate will impact your overall loan amount and what your monthly payment will be.
Apply for a Personal Loan Online