The Freedom to Get What You Need—or Want!

Find the financial freedom you want—and fast—with a low-rate Personal Loan or Line-of-Credit from Suffolk Federal. We offer our Long Island members a traditional personal loan with a low fixed rate and flexible terms. For ongoing flexibility, consider a Personal Line-of-Credit instead.

Our Personal Loans feature:*

  • A maximum loan amount of $20,000.
  • A minimum loan amount of $500.
  • Terms up to 60 months.
  • Minimum payments of $25 per month.
  • Competitive rates and fast approval!
  • Convenient automatic payments through your FREE Advantage Checking Account.

Apply for a Personal Loan Now!

Our Holiday Loans feature:*

  • A maximum loan amount of $20,000.
  • A minimum loan amount of $500.
  • Terms up to 12 months.
  • Competitive rates and fast approval!
  • Convenient automatic payments through your FREE Advantage Checking Account.

Apply for a Holiday Loan Now!

Our Personal Lines-of-Credit features:

  • A maximum loan amount of $20,000.
  • A minimum loan amount of $100.
  • Minimum payments of just 2% of the balance.**
  • Competitive rates and fast approval!
  • Convenient automatic payments through your FREE Advantage Checking Account.

Apply for a Personal Line-of-Credit Now!

Our Share Secured Loan feature:

  • The opportunity to also apply for a Share Secured Loan, which allows you to borrow up to 100% of your Share Savings account balance.†

Apply for a Share Secured Loan Now!

Access to funds when you need it? We see it too.

Prefer to speak to a person about your personal loan or line-of-credit? Contact us or visit your local branch.

*Rates are subject to change without notice. All loan requests are subject to credit approval and income verification. Applicants who are not approved at this rate or term may be offered credit at a higher rate and/or different term. Maximum loan amount is $20,000. Please contact a Suffolk Federal representative for additional information, applicable fees and terms.

†For all variable-rate loans, the APR may change after consummation. The Share Secured loan rate is calculated as the dividend rate plus 3.00%. For Share Secured loans, the minimum payment will be $25.00. There are no fees associated with the Share Secured loan.

**For all variable rate loans, The minimum payment for the variable line-of-credit will be 2.00% of the outstanding balance rounded up to the nearest dollar, or $10, whichever is greater. Please contact a Suffolk Federal representative for additional information, applicable fees and terms.