Cooperative Federal strives to meet all of the borrowing needs of members, their small businesses, and community organizations. We welcome first-time borrowers and those who are self-employed.

Loan Application (pdf)- This is our basic loan application, for personal loans and vehicle loans. You can download this application, fill in, and send back to us, in person at any office, by fax (315) 476-0567, email (info@coopfed.org), or by mail to 723 Westcott St, Syracuse, NY 13210. If you have any questions about filling this application out, please call our Loan Department at (315) 473-0242 and we'll be glad to help!

Personal Loans

Loans for personal purposes, such as for appliances, travel, textbooks, car repair, etc.
Personal loans can also include:

• Credit Builder Loans and BillPayer loans to catch up on bills or get rid of old debt.
• Appliance Purchase Loans
• Energy Conservation Loans
• Bicycle Loans

Contact our personal lending line at (315)473-0242 for rates and information.

Auto Loans

Loans for new or used vehicles, at competitive rates. Call (315) 473-0242 for more information.

Credit Cards

Coming soon! Interested in being a credit card program pilot tester? Please contact us at info@ coopfed.org.

Home Improvement

Home Equity Loans and Lines of Credit

Mortgages - Home Purchase

• Fixed Rate
  You get the security of a stable interest rate that won't change for the life of your loan. It's perfect if you plan to live in your home for many years.

• 5/1 Adjustable Rate
  You get a typically lower monthly payment thanks to a fixed rate for the first five years, then an adjustable rate each year after that. It's ideal for homebuyers who plan to refinance, for example, if you are working to qualify for a fixed rate mortgage in a few years, or will move in a few years.

• FHA Mortgages
  Federal Housing Administration (FHA) Loans are a great option for home financing for first time home buyers and those with less than perfect credit.

Mortgages - Refinance

Mortgages - Construction

Please call 473-0244 to reach our home loan center. We will work with you to achieve your financial goals.

Small Business Loans

Loans for Nonprofits and Cooperatives

Please call us 473-0249 and press 2 for our small business and organization lending center.

Cooperative Federal also offers advice about credit, housing, and business.

The Credit Union Difference

Cooperative Federal's Lending Department does a lot — but also important is what we don't do!

No pre-payment penalties

on any of our loans. You pay interest only for the time you use the money borrowed.

No commissions

our loan officers do not make commission from your loan, so that they can advise you based on what is good for you, not what makes a commission.

This is another benefit of membership in a nonprofit credit union.