The Syracuse Cooperative Federal Credit Union is a personal loan from Syracuse Cooperative Federal Credit Union. The ongoing APR is Rates as low as: Up to 12 months 8.05%; 13 to 24 months 8.15%; 25 to 36 months 8.15%; 37 to 48 months 8.39%; 49 to 60 months 8.63%; 61 to 72 months 8.90% (APR, rates effective February 4, 2026). Loan terms: Terms up to 72 months (rate table: up to 12, 13-24, 25-36, 37-48, 49-60, 61-72 months).