Personal Loans · Utica, New York
3 credit unions in Utica report personal loan rates to the NCUA. Rates range from 9.35% to 10.32%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
9.35%
Lowest Rate
9.89%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | UTICA POLICE DEPARTMENT | 9.35% | — |
| 2 | ONEIDA COUNTY ★ 5.0 · 2 reviews | 10.00% | 12.00% |
| 3 | UTICA DISTRICT TELEPHONE EMPLOYEES ★ 5.0 · 3 reviews | 10.32% | 9.95% |
If you have high-rate credit card balances, a personal loan from a Utica 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.