Personal Loans
Our credit union offers members special rates and options for personal loans, including automatic payroll deduction. Apply for a loan today, and we’ll help you learn more about eligibility and options that work for your needs.
How to Apply
Start the application process online:
- Download and complete the application form
- Save the form on your computer, or print it to save a hard copy
- Send the application to us in one of the following ways:
- Email the attachment to loans@rocmon.org
- FAX to 585-546-3745
- Mail us your printed copy:
460 N. Goodman Street
Rochester, NY 14609
*Please note that a copy of a recent pay stub is required for all loans.
Our Rates
Unsecured Loan Rates
Effective as of: September 24, 2024
|
Type
|
Maximum
Loan/Term
|
Fixed APR*
|
Payment per $1,000
|
Credit Score
|
|
Visa Credit Card
|
|
11.90%
|
$30.00
|
|
|
Secured Visa Credit Card
|
|
18.00%
|
$30.00
|
|
|
Personal Loan 1 – A Category Credit Score
|
$25,000/60 months
|
8.50%
|
$20.52
|
680 & Above
|
|
Personal Loan 2 – B Category Credit Score
|
$25,000/60 months
|
9.00%
|
$20.76
|
640 to 679
|
|
Personal Loan 3 – C Category Credit Score
|
$20,000/60 months
|
10.00%
|
$21.25
|
600 to 639
|
|
Personal Loan 4 – D Category Credit Score
|
$5,000/36 months
|
11.00%
|
$32.27
|
580 to 599
|
|
Personal Loan 5 – E Category Credit Score
|
$2,500/24 months
|
16.00%
|
$46.14
|
579 & Below
|
|
Recreational
|
$75,000/60 months
|
7.50%
|
$20.04
|
|
*APR = Annual Percentage Rate
Calculators
Use our online calculators to get more information on lending and repayment options based on your budget and needs.
Financial decisions should not be made solely on the results from these calculators. Calculators are for informational purposes only. Always consult with your accountant or a professional advisor to get advice based on your needs.