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Personal Loans

Cooperative Federal offers personal loans for practically any purpose. You can get a term loan, with a set number of monthly payments; or a line of credit, with loan proceeds available on a revolving basis. 

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Types of Personal Loans 

You can borrow money to pay for

  • Appliances
  • Bicycles
  • Cars and Trucks
  • Car Repair
  • Citizenship and Legal Fees
  • Credit Repair
  • Debt Consolidation
  • Furniture
  • Home Repairs and Energy Conservation
  • Medical and Dental Bills
  • Moving Expenses
  • Overdraft Protection
  • Textbooks and Educational Expenses
  • Travel
  • ... and more!

Cooperative Federal also offers VISA Credit Cards.

And, we can help you find Student Loans through our partnership with Sallie Mae.

Depending on how much you want to borrow, your credit score, and other eligibility criteria, you may be able to get an unsecured loan. Otherwise we accept many forms of collateral, including cars and other tangible goods. We also accept cosigners or pledged shares.

Apply Now 

Get started with your loan application. If you're already a member, you can apply for a personal loan online here or through Web Teller! Otherwise, you can download an application (pdf). Fill out this form and send it back by email, fax (315-476-0567), mail or delivery to any Coop Fed office. If you have any questions, call the Personal Loans Department.


All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Contact us for current rates, terms and conditions.