What is the average credit union personal loan rate?

The median across 4,263 credit unions was 11.75% in the Q2 2026 call reports. Among credit unions with $25.0 million or more in assets, the middle half ran from 10.11% to 13.20%.

Is a higher personal loan rate better?

No. For personal loan rate, lower is better for members, all else equal. Compare it with credit unions of the same size, since size and lending mix drive it.

How is personal loan rate calculated?

The interest rate for all other unsecured loans and lines of credit entered on the call report. Source accounts on NCUA's 5300 call report: ACCT_522 (interest rate, other unsecured loans); ACCT_397 (other unsecured loans).

Which credit union has the lowest personal loan rate?

KeyPoint Credit Union of San Jose, CA, at 2.99% in Q2 2026, under the rules of the national ranking.

Loan rates on the call report · Q2 2026 call reports

Credit union personal loan rate

Interest rate reported for other unsecured loans and lines of credit. The median across all 4,263 credit unions reporting it was 11.75% for the quarter ended June 30, 2026. Among those with $25.0 million or more in assets, the middle half ran from 10.11% to 13.20% (median 11.74%).

Why it matters

This is the rate each credit union reported for unsecured personal loans and lines of credit.

How it is calculated

The interest rate for all other unsecured loans and lines of credit entered on the call report.

NCUA 5300 call report accounts: ACCT_522 (interest rate, other unsecured loans) · ACCT_397 (other unsecured loans). Methodology

How credit unions are spread

2,958 credit unions with $25.0 million or more in assets. Shaded: the middle half. Line: the median. The most extreme 1% at each end (59 credit unions) are left off the chart.

By NCUA peer group

Assets	Count	25th pct	Median	75th pct
Under $2 million in assets	214	9.90%	11.94%	13.72%
$2 million to $10 million	530	10.00%	12.00%	14.00%
$10 million to $50 million	1,131	9.93%	11.51%	13.04%
$50 million to $100 million	571	10.00%	11.50%	12.96%
$100 million to $500 million	1,060	10.25%	11.59%	13.24%
$500 million and up	757	10.49%	11.99%	13.99%

Lowest personal loan rate

Using the rules of the national ranking. See the top 100.

KeyPoint Credit Union San Jose, CA 2.99%
Palisades Federal Credit Union Pearl River, NY 2.99%
Dakota West Credit Union Watford City, ND 3.49%
Norfolk Community Federal Credit Union Norfolk, MA 3.72%
Freedom Credit Union Warminster, PA 3.99%
Buffalo Conrail Federal Credit Union Cheektowaga, NY 4.50%
On the Grid Financial Federal Credit Union Atlanta, GA 4.50%
Diablo Valley Federal Credit Union Concord, CA 4.66%
Pacific Cascade Federal Credit Union Eugene, OR 4.90%
First Citizens' Federal Credit Union Fairhaven, MA 5.00%

Highest personal loan rate

O Bee Credit Union Lacey, WA 28.00%
Community Resource Credit Union Baytown, TX 28.00%
Guardian Credit Union Prattville, AL 28.00%
Texas Trust Credit Union Mansfield, TX 28.00%
True Community Credit Union Jackson, MI 25.00%
Indiana Members Credit Union Indianapolis, IN 25.00%
Louisville Federal Credit Union Louisville, KY 24.00%
Alatrust Credit Union Hoover, AL 24.00%
Achieva Credit Union Dunedin, FL 23.99%
San Juan Credit Union Blanding, UT 23.20%

Median by state

Credit unions headquartered in each state, with $25.0 million or more in assets; states with at least three.

State	Median	Count
Hawaii	9.12%	39
Puerto Rico	9.99%	3
Pennsylvania	10.49%	159
New York	10.57%	169
Connecticut	10.71%	44
Maryland	11.00%	46
Kentucky	11.00%	35
Montana	11.09%	29
Delaware	11.12%	10
Louisiana	11.17%	66
New Hampshire	11.24%	11
Massachusetts	11.25%	87
District of Columbia	11.32%	18
California	11.49%	208
Maine	11.62%	46
Michigan	11.63%	155
Iowa	11.66%	48
Virginia	11.70%	67
Tennessee	11.73%	87
Washington	11.73%	63
Florida	11.75%	92
Illinois	11.75%	93
Nevada	11.75%	13
Rhode Island	11.76%	11
Minnesota	11.79%	58
Wisconsin	11.82%	78
New Jersey	11.82%	58
West Virginia	11.87%	38
Indiana	11.94%	89
Nebraska	11.99%	31
Wyoming	12.00%	16
Georgia	12.00%	41
Ohio	12.00%	134
Oregon	12.00%	42
Missouri	12.02%	53
South Dakota	12.02%	23
Idaho	12.04%	22
Alabama	12.17%	56
Oklahoma	12.18%	39
Texas	12.18%	239
North Dakota	12.25%	20
Arkansas	12.29%	20
North Carolina	12.50%	45
Mississippi	12.55%	25
Alaska	12.61%	7
Arizona	12.63%	27
Colorado	12.65%	51
Kansas	12.75%	37
South Carolina	12.94%	35
Utah	13.12%	36
New Mexico	13.26%	27
Vermont	13.64%	8

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA. Every credit union's figure is on its own page, in the screener, and in the free API.