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Personal Loans

Cooperative Federal has a wide variety of quality loan products to meet all of our members' borrowing needs. We specializing in delivering fair, understandable terms; affordable payments; and flexible qualification standards.

Plus, when you borrow from Cooperative Federal, you get the satisfaction of knowing that your interest payment is helping to sustain a non-profit, community-owned business. More than a financial institution, we work to foster neighborhood revitalization and local economic strength. Learn more about our mission and values.

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Apply Now

If you're already a member, you can apply for a personal or auto loan online through Web Teller!

Otherwise, you can download the following loan applications, fill them in, and send them back to us. Applications can be dropped at any office, faxed to (315) 476-0567, emailed to, OR mailed to 723 Westcott St, Syracuse, NY 13210.

If you have any questions about filling out your application, please call our Loan Department at (315) 473-0242 and we'll be glad to help!

(Looking for a mortgage or business loan? Check out the info below!)

Loans We Offer

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.

Cooperative Federal members are also eligible for Auto Insurance through the truSTAGE program. Click here to learn more.

Credit Cards

Cooperative Federal is now offering credit cards. You can get a competitive rate - as low as 7.20% variable APR* on your existing credit by transferring your balance to us—with the added value of knowing that you’re banking on financial justice and a socially responsible business model. There is no balance transfer fee.

Interested? The application (fillable pdf) is available online here - you can fill this out and send it back by email to, by fax to (315) 476-0567, or by mail to 723 Westcott St, Syracuse, NY 13210.

If you have any questions, give us a call at 315-473-0242 today for more information.

*APR is Annual Percentage Rate as of July 21, 2010. The APR is a variable rate that is based on the U.S. Prime Rate each month as published in the Wall Street Journal
“Money Rates Table” on the first calendar day of each month, with a margin of 3.95%-15.95% added onto the Prime Rate depending on the member’s credit score.

Student Loans

The Cooperative Federal* Smart Option Student Loan by Sallie Mae®

For borrowers attending degree-granting institutions.

Click here for more information.

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.

All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at (315) 473-0242 for current rates, terms and conditions.

Cooperative Federal accounts are federally insured by NCUA Cooperative Federal is an Equal Housing Lender
Cooperative Federal is an equal housing lender
Cooperative Federal accounts are federally insured by NCUA