Personal Loans · Rochester, New York
11 credit unions in Rochester report personal loan rates to the NCUA. Rates range from 8.25% to 17.99%.
Updated Q1 2026 · NCUA Call Report data
11
CUs Reporting Rates
8.25%
Lowest Rate
12.07%
City Average Rate
11 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | ST. PIUS X CHURCH ★ 4.6 · 30 reviews | 8.25% | 10.54% |
| 2 | EVER $ GREEN ★ 4.5 · 8 reviews | 9.25% | 8.99% |
| 3 | ROCHESTER & MONROE CO EMP ★ 3.2 · 9 reviews | 9.86% | 11.99% |
| 4 | GATES CHILI ★ 3.6 · 12 reviews | 9.99% | 10.49% |
| 5 | FAMILY FIRST OF NY ★ 4.3 · 79 reviews | 10.67% | 11.90% |
| 6 | UKRAINIAN ★ 4.5 · 41 reviews | 11.33% | 17.05% |
| 7 | GREECE COMMUNITY ★ 3.9 · 22 reviews | 11.70% | — |
| 8 | GENESEE CO-OP ★ 4.7 · 29 reviews | 13.00% | — |
| 9 | ADVANTAGE ★ 3.5 · 25 reviews | 13.82% | 13.95% |
| 10 | THE SUMMIT ★ 3.3 · 80 reviews | 16.95% | 9.86% |
| 11 | ESL ★ 3.5 · 141 reviews | 17.99% | — |
If you have high-rate credit card balances, a personal loan from a Rochester 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.