Lender profile
State Cs Employees
Lender Live rate observations
State Cs Employees at a glance
State Cs Employees is a lender based in New York. LoanMate.ai tracks 13 published loan products from State Cs Employees (16 rate listings), last verified 2026-10-17. Its lowest published rate today is 4.74% on New auto loan · 36 months. Its New auto loan · 36 months rate of 4.74% is 0.21 points below the national median of 4.95% (across 136 lenders publishing that product). State Cs Employees lends in New York only.
HELOC (6)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC-FRA-5yr | — | 5.25 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC-FRA-10yr | — | 5.50 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC-FRA-15yr | — | 5.75 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC-FRA-5yr | — | 6.00 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC-FRA-10yr | — | 6.25 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC-FRA-15yr | — | 6.50 | — | — | 2026-10-17 | Lender source ↗ |
Auto loan (5)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-36 | — | 4.74 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-48 | — | 4.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-60 | — | 5.24 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-72 | — | 5.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-84 | — | 5.99 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (5)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC | — | 7.99 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-36 | — | 8.49 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-48 | — | 8.49 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-60 | — | 8.74 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-72 | — | 9.24 | — | — | 2026-10-17 | Lender source ↗ |
How State Cs Employees compares
- #1 nationally for HELOC · FRA 5yr — 5.25% (of 7 lenders publishing it)
- #1 nationally for HELOC · FRA 10yr — 5.5% (of 6 lenders publishing it)
- #1 nationally for HELOC · FRA 15yr — 5.75% (of 6 lenders publishing it)
Compare all heloc rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in New York
Compare with: Access, Adirondack Regional, Adirondack Trust Company, Allegany First
Common questions
What is the lowest published rate at State Cs Employees?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from State Cs Employees is 4.74% on its New auto loan · 36 months. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does State Cs Employees lend?
State Cs Employees lends in New York only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does State Cs Employees's New auto loan · 36 months rate compare nationally?
State Cs Employees publishes New auto loan · 36 months at 4.74%. The national median for that product is 4.95% across 136 lenders in LoanMate.ai's October 17, 2026 dataset, so State Cs Employees is 0.21 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.