Personal Loans · Saratoga Spring, New York
2 credit unions in Saratoga Spring report personal loan rates to the NCUA. Rates range from 11.35% to 11.40%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
11.35%
Lowest Rate
11.38%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | SARATOGA'S COMMUNITY ★ 5.0 · 2 reviews | 11.35% | 8.46% |
| 2 | STEWART'S ★ 4.1 · 9 reviews | 11.40% | — |
If you have high-rate credit card balances, a personal loan from a Saratoga Spring 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.