Personal Loans
Take control of your finances with one of our personal loan options that can help you through life's goals and challenges. Personal Loans can be used for pretty much anything – consolidate debt, pay off medical bills, pay vet bills, take the family on a much needed vacation. Whatever, it's possible with
- Get fast cash
- Affordable monthly payments
- Terms up to 6 years
- Automatic payments available
Credit Builder Loan
Not everyone has a perfect credit history and it can be difficult to rebuild credit if you've experienced poor payment history or have no credit history at all. We can help put you back on track.
With a credit builder loan, you use your money to secure the loan that you need. Essentially, your borrowing against your own savings and paying a lower interest rate.
- Savings is used as collateral
- You can borrow up to 100% of the account balance
- Fixed rate
- Your money will still earn dividends
- Funds in the account are released as the loan is paid off
- Can help improve your credit score
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Debt Consolidation Loan
Managing your debt can seem like a full-time job. You may have loans for your home, vehicles, education and credit cards, and they all could be from different lenders.
Bring your high interest rate loans and credit cards together into one management payment, with a much lower interest rate. Who knew one loan could do all that?!
- One payment, one lender.
- Fixed rate
- Terms up to 5 years
- Lower interest rate than most credit cards
- Increases your monthly cash flow
- Can help improve your credit score
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Heating Loan
Keep your home warm and cozy this winter with a home heating loan to help cover expenses with fuel oil, pellets, firewood or propane.
Heating Loans are offered September 1st through March 31st.
- Fixed rate
- Pay it back over 1-year period
- Borrow up to $2,000
- Affordable monthly payments
- Automatic payments available
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Holiday Loan
If you find "Santa" needing a little financial help for the holiday season, a Holiday Loan may be a better fit your finances, and a great alternative to a higher rate credit or store card.
Holiday loans are offered October 1st through December 24th.
- Rates as low as 6.00% APR
- Borrow up to $2,000
- No payments for 60 days
- Pay it back over 10 months
- Affordable monthly payments
- Make saving easy with automatic transfers from your payroll!
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Apply Now
All loans are subject to credit approval. Terms and conditions may apply. Rates vary depending on credit history and are subject to credit union lending guidelines. All loan programs, rates, terms and conditions are subject to change at any time without notice. For more information, contact our lending team at 518.324.5700 option 2.
** Holiday Loans
Important Information to Applicant(s). To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who applies for a loan or opens an account. What this means for you? When you apply for a loan or open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. In some instances, we may use outside sources to confirm the information. The information you provide is protected by our privacy policy and federal law.
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