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.

Cooperative Federal offers:

• Personal Loans
• Loan Consolidation
• VISA® Check Cards with a Credit Line
• Small Business Loans
• New and Used Vehicle Loans
• Mortgages: Purchase, Refinancing and Construction
• Home Equity Lines of Credit and Loans
• Credit Builder Loans
• Loans for Nonprofits and Cooperatives
• Home Improvement Loans
• Appliance Purchase Loans
• Energy Conservation Loans
• Bicycle Loans

Cooperative Federal also offers advice about credit, housing, and business. For more information or to apply for a loan, contact our Lending Department at (315) 471-1116.

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.