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Personal Loans

Cooperative Federal offers term loans, with a set number of monthly payments; or lines 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:

Cooperative Federal also offers:

 VISA Credit Cards 

Student Loans

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.


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Apply for a personal loan online, through Web Teller, or download a printable application (pdf) and send it back by email, fax (315-476-0567), or mail to any Coop Fed office. If you have any questions, please 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.