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Personal Loans · Smithtown, New York

Best Credit Union Personal Loan Rates in Smithtown, New York

1 credit union in Smithtown report personal loan rates to the NCUA. Lowest rate: 10.99%.

Updated Q1 2026 · NCUA Call Report data

1

CUs Reporting Rates

10.99%

Lowest Rate

10.99%

City Average Rate

Personal Loan Rates — Smithtown, New York

1 credit union sorted by APR

#Credit UnionPersonal Loan APRCredit Card APR
1TEACHERS

★ 2.2 · 13 reviews

10.99%15.45%
Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Debt Consolidation in Smithtown

If you have high-rate credit card balances, a personal loan from a Smithtown credit union can consolidate them into one lower-rate payment and save hundreds in interest.

Share-Secured Loans

Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.

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