Personal Loans · New Hartford, New York
4 credit unions in New Hartford report personal loan rates to the NCUA. Rates range from 7.18% to 11.73%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
7.18%
Lowest Rate
9.29%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | G.P.O. ★ 2.9 · 19 reviews | 7.18% | 8.99% |
| 2 | UTICA GAS & ELECTRIC EMP ★ 4.7 · 13 reviews | 8.25% | 13.75% |
| 3 | SPECIAL METALS ★ 4.5 · 8 reviews | 10.00% | 9.90% |
| 4 | FIRST SOURCE ★ 3.2 · 83 reviews | 11.73% | 9.34% |
If you have high-rate credit card balances, a personal loan from a New Hartford credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.