Personal Loans in Utica, NY

Looking for the ideal personal loan in Utica, NY? Compare offers from trusted local lenders to find flexible terms that fit your budget and goals. Whether it’s debt consolidation, home improvements, or unexpected expenses, there’s a loan designed just for you.

Enjoy fast approvals and friendly service from credit unions that truly know the Utica community. By comparing multiple loan options, you can secure affordable rates and borrow with confidence, making your financial journey simple and stress-free.

Filters

Lender
APR
Term
Amount
Link
Info
hvcu
9.99 - 13.49 %
1.1 - 5 Yrs
$50,000
∞
cafcu
9.99 - 13.99 %
∞
seacomm
10 %
5 Yrs
∞
heritagefcu
10.75 %
$50,000
∞
northcountry
10.94 - 12.99 %
6 Yrs
∞
psfcu
11.49 %
3 - 5 Yrs
$10,000
∞
visionsfcu
11.5 - 12 %
5 - 10 Yrs
∞
centra
11.6 - 19.1 %
3.6 - 5.5 Yrs
∞
sunmark
11.74 - 14.49 %
1 - 5 Yrs
$25,000
∞
affinityfcu
11.75 - 13.25 %
1 - 8 Yrs
∞

Today’s Personal Loan Rates & Analysis - Updated on 2026-SEP-14

Credit Union Loan Rates - Trends & Analysis:

Hudson Valley's Readi–cash unsecured line of credit has a 13.49% APR today, unchanged from 7 and 30 days ago but higher than 30, 60, and 90 days ago. The Signature personal loan rates range from 9.99% for terms up to 12 months to 11.74% for 37 to 60 months, with no changes in the past 90 days. California Adventist's personal loans with a regular rate of 9.99% APR and a credit builder rate of 15.99% APR. Both rates are unchanged from 7 and 30 days ago. These rates provide clear depending on your credit needs.

Sea Comm's Secure rates personal loans have an APR of 9.24% , which is unchanged from 7, 30, and 90 days ago. Their Signature loans carry a 10% APR, also steady compared to the past 7, 30, 60, and 90 days. Heritage Financial has a Credit rebuilder loan with an APR of 18% , which has stayed the same over the past 7, 30, and 60 days. Their Universal line of credit has a 10.75% APR, unchanged from 7 and 30 days ago. North Country's Signature loans with an APR of 10.94% , which is unchanged from 7 and 30 days ago. Their Share draft line of credit has a steady APR of 12.99% , the same as it was 7, 30, 60, and 90 days ago.

Polish & Slavic has a personal loan with an APR of 11.49% . This rate has stayed the same compared to 7, 30, 60, and 90 days ago. The consistent rate applies to all terms of the personal loan. Visions has a Readi–reserve loan with an APR of 11.5% , unchanged from 7 and 30 days ago but slightly higher than 90 days ago. Their Any purpose signature loan has a steady APR of 11.99% , which has not changed in the past 90 days. Centra's Fixed rate personal loan has an APR of 11.6% today, unchanged from it was 7, 30, 60, and 90 days ago. This rate has remained steady over the past three months.

Sunmark's Personal loan has an APR of 11.74% , which has stayed the same over the past 7, 30, 60, and 90 days. The Personal line of credit has a fixed APR of 14.49% , also unchanged during those time frames. Affinity's personal loan has an APR of 11.75% , unchanged from it was 7 and 30 days ago but lower than 60 and 90 days ago. The debt consolidation loan APR is 12.75% , unchanged from 7 and 30 days ago, and also lower than it was 60 and 90 days ago.

🏦 All Local Lenders in Utica, NY

Lender NameBranch AddressOffice ServicesLender Snapshot
UTICA DISTRICT TELEPHONE EMPLOYEES FEDERAL CREDIT UNION
2812 GENESEE ST UTICA NY 13502
P2P
E-Statements
E-Signature
Assets: $37,887,042
Deposits: $1,100,534
Net Worth: $12,638,394
Employees: 5
Members: 1,711
UTICA POLICE DEPARTMENT FEDERAL CREDIT UNION
UTICA POLICE DEPTFCU UTICA NY 13502
Assets: $5,896,635
Deposits: $334,160
Net Worth: $1,676,526
Employees: 2
Members: 609
FIRST SOURCE FEDERAL CREDIT UNION
1634 GENESEE ST UTICA NY 13502
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $1,063,820,676
Deposits: $52,972,537
Net Worth: $100,478,065
Employees: 244
Members: 62,132
FIRST SOURCE FEDERAL CREDIT UNION
50 AUERT AVE UTICA NY 13502
ATM
P2P
E-Statements
E-Signature
Assets: $1,063,820,676
Deposits: $52,972,537
Net Worth: $100,478,065
Employees: 244
Members: 62,132
EMPOWER FEDERAL CREDIT UNION
1928 GENESEE ST UTICA NY 13502
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $3,759,853,763
Deposits: $238,547,679
Net Worth: $365,681,043
Employees: 581
Members: 277,374
AMERICU CREDIT UNION
224 N GENESEE ST STE 3 UTICA NY 13502
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $2,693,858,739
Deposits: $60,545,589
Net Worth: $262,375,424
Employees: 434
Members: 167,171

🏘️ All the Lenders Available in Oneida County, NY

✅GPO CREDIT UNION
✅RT FEDERAL CREDIT UNION
✅ACCESS 5579 CREDIT UNION
✅MOHAWK VALLEY FEDERAL CREDIT UNION
✅AMERICU CREDIT UNION
✅ONEIDA COUNTY FEDERAL CREDIT UNION
✅SPECIAL METALS FEDERAL CREDIT UNION
✅UTICA GAS ELECTRIC EMP CREDIT UNION
✅FIRST SOURCE FEDERAL CREDIT UNION
✅ROME FEDERAL CREDIT UNION
✅UTICA DISTRICT TELEPHONE EMPLOYEES FEDERAL CREDIT UNION
✅UTICA POLICE DEPARTMENT FEDERAL CREDIT UNION
✅EMPOWER 3025 CREDIT UNION

Compare other loan types in Utica, NY

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