The Southern Chautauqua Federal Credit Union is a personal loan from Southern Chautauqua Federal Credit Union. The ongoing APR is Unsecured Fixed APR As Low As: Up to 24 months 9.99%; Up to 36 months 10.99%; Up to 48 months 10.99%; Up to 60 months 11.99% (Rate Effective Date: 9/09/2026). Loan terms: Up to 24, 36, 48 or 60 months.