Personal Loans · Watertown, New York
3 credit unions in Watertown report personal loan rates to the NCUA. Rates range from 4.13% to 12.85%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.13%
Lowest Rate
9.14%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | WATERTOWN POSTAL | 4.13% | — |
| 2 | STATE CS EMPLOYEES ★ 5.0 · 6 reviews | 10.45% | — |
| 3 | NORTHERN ★ 3.3 · 52 reviews | 12.85% | 10.84% |
If you have high-rate credit card balances, a personal loan from a Watertown 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.