Personal Loans

Be prepared for life's expenses, whenever they happen, with a personal loan. Whether you're looking to consolidate higher interest rate debt, renovate your kitchen, or cover an unexpected expense, we offer a borrowing option that could fit the bill. Our personal loans have the following benefits:

  • Installment loans with fixed payments
  • Financing up to $20,000
  • No collateral required
  • Terms up to 84 months
  • Free account access via Online Banking

* Please contact our experienced loan department for rates and qualifications at (518) 926-4700

Term Rate
Up to 60 Months APR* as low as 9.75%

*APR=Annual Percentage Rate.
Included rates are for top tier credit (740+ score) and include a 0.25% APR discount for having a checking account with direct deposit and automatic payment. Rates may be higher without AutoPay & Direct Deposit. All loan types, rates, terms and offers are based on applicant's credit history. Maximum loan amount for personal unsecured loans is $20,000. Minimum loan amount for overdraft line of credit is $250, maximum loan amount for overdraft line of credit is $2,500. Parks Heritage FCU ‘s cumulative unsecured loan and/or line of credit balance maximum is $20,000. Rate offer quoted, Terms & Conditions may change at any time without notice. All other loan terms and conditions apply. Membership is open to those who work in the health care and health care related fields in Warren, Washington and Saratoga counties, as well as their immediate family members. A $5 deposit into a Shared Savings Account is required for membership.