Main office:  (315)785-2400  Hours: Mon – Fri 8:00am – 3:00pm.   Branch office: (315)785-2470 Hours: Mon – Fri 8:00am – 4:30pm |

Personal Loans

Personal Loan Special Offer

Live life to the fullest with a low-rate personal loan from State CS! Through March 31, we’re featuring personal loan rates as low as 8.24% APR for up to 72 months!*

*Rate includes 0.50% discount for State CS Checking account and auto pay. Offer ends March 31, 2023. Rates vary by creditworthiness and subject to loan approval. Payment example: $5,000 loan for 60 months at 8.24% = monthly payments of $101.96.

Unsecured Personal Loan

Planning your vacation, a wedding or retirement? Need some extra cash or looking to consolidate debt and lower your monthly payments? Our personal loans are designed for just that; your personal reasons! We feature extremely competitive rates, flexible terms and quick turnaround. Whatever your heart’s desire may be, this is the loan to help get it.

Share Secured Loan

Get the funds you need for a purchase or expense without dipping into your savings or emergency fund. With a Share Secured Loan, you borrow against your own savings account at a loan rate of only 1.50% above the rate you’re currently earning on your savings account! All funds pledged as collateral for the loan will earn dividends quarterly. A Share Secured Loan is also a great way to establish or build credit.