Personal Loans

Need a personal loan? Our personal loans are unsecured, meaning no collateral is required. Personal loans can be used for debt consolidation or as an alternative to a credit card, where the interest rate is higher. If you need a loan for a home project and the scale is less than what is needed for a home equity loan, a personal loan may cover your needs.

You’re Goals Are Our Goals

Helping you reach your financial goals is our highest priority. Our on-site financial counselors in Plattsburgh, Tupper Lake, and Potsdam can help you learn about all of the personal loan options available. Based on your credit score, we can offer up to $20,000. And we can often approve your loan in less than 24 hours to get you money when you need it.

No credit or bad credit? No worries, we can start small and help you build great credit!

Personal Loan Rates

Effective as of: 1/11/2021
Loan Type Approximate Term Annual Percentage Rate as Low As
Signature Loans
Signature 60 Months 6.25%
Consolidation 60 Months 6.25%
Overdraft 12 Months 12.00%
Share/Certificate 36 Months 3.00%