Personal Loans · Troy, New York
2 credit unions in Troy report personal loan rates to the NCUA. Rates range from 11.65% to 12.00%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
11.65%
Lowest Rate
11.83%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | NEXT STEP ★ 2.9 · 11 reviews | 11.65% | 10.90% |
| 2 | TROY ★ 3.8 · 69 reviews | 12.00% | — |
If you have high-rate credit card balances, a personal loan from a Troy 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.