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:

  1. Download and complete the application form
  2. Save the form on your computer, or print it to save a hard copy
  3. 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


Personal Credit

Effective as of: August 29, 2022

Description
APR
Maximum Limit
VISA
11.90%
Personal Loan 1 – A Category Credit Score
7.50%
$25,000
Personal Loan 2 – B Category Credit Score
8.00%
$20,000
Personal Loan 3 – C Category Credit Score
9.00%
$15,000
Personal Loan 4 – D Category Credit Score
11.00%
$10,000
Personal Loan 5 – E Category Credit Score
16.00%
$2,500
Recreational
6.25%
Share Savings Pledge
2.50%

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.