Lowest credit union personal loan rates
An unsecured personal loan gives you a fixed rate and a fixed payoff date, which is why it's a common way to consolidate higher-interest card debt. Compare the lowest credit union APRs below.
Rates are being gathered
We're onboarding credit unions publishing their personal loan rates. In the meantime, find credit unions you can join or browse the directory.
Rates are published by each credit union and may not reflect the latest offer or your eligibility. Confirm current terms on the credit union's page before applying.
Frequently asked questions
Is a personal loan cheaper than carrying a credit card balance?
Usually by a wide margin. Personal loan APRs are fixed and typically land well below revolving card rates, which is why consolidating balances into one fixed payment is such a common reason to borrow.
Is there a cap on credit union loan rates?
Federal credit unions are held to an NCUA interest rate ceiling — 18% APR for most loans — so their pricing stays below what some other lenders charge on comparable unsecured credit.