Ranking · Q2 2026 call reports
Credit unions with the lowest personal loan rates
KeyPoint Credit Union of San Jose, California leads this list at 2.99%, according to the call reports credit unions filed with NCUA for the quarter ended June 30, 2026. Lowest personal loan rate reported on the call report, $25 million and up with at least $1 million of these loans. 2,957 credit unions qualify; the top 100 are below.
These are the rates credit unions reported on their call reports, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.
| # | Credit union | Location | Personal | Credit card | Loans | Assets |
|---|---|---|---|---|---|---|
| 1 | KeyPoint Credit Union | San Jose, CA | 2.99% | 21.49% | $1.3B | $1.7B |
| 2 | Palisades Federal Credit Union | Pearl River, NY | 2.99% | 15.74% | $163M | $212M |
| 3 | Dakota West Credit Union | Watford City, ND | 3.49% | 6.90% | $166M | $327M |
| 4 | Norfolk Community Federal Credit Union | Norfolk, MA | 3.72% | 11.90% | $18.8M | $33.0M |
| 5 | Freedom Credit Union | Warminster, PA | 3.99% | 12.65% | $777M | $1.5B |
| 6 | Buffalo Conrail Federal Credit Union | Cheektowaga, NY | 4.50% | 8.50% | $43.9M | $61.0M |
| 7 | On the Grid Financial Federal Credit Union | Atlanta, GA | 4.50% | 9.00% | $18.2M | $45.3M |
| 8 | Diablo Valley Federal Credit Union | Concord, CA | 4.66% | 10.29% | $19.7M | $40.1M |
| 9 | Pacific Cascade Federal Credit Union | Eugene, OR | 4.90% | – | $66.5M | $140M |
| 10 | First Citizens' Federal Credit Union | Fairhaven, MA | 5.00% | – | $404M | $706M |
| 11 | Helco Federal Credit Union | Hilo, HI | 5.00% | – | $21.2M | $46.5M |
| 12 | Erie County Employees Federal Credit Union | Buffalo, NY | 5.00% | 12.25% | $7.7M | $31.5M |
| 13 | Befit Financial Federal Credit Union | Vacaville, CA | 5.23% | 12.52% | $19.0M | $38.2M |
| 14 | Mountain Laurel Federal Credit Union | Saint Marys, PA | 5.69% | 12.90% | $83.7M | $174M |
| 15 | Pioneer Mutual Federal Credit Union | Sugar Land, TX | 5.75% | 12.95% | $217M | $363M |
| 16 | First Watch Federal Credit Union | Abilene, TX | 5.75% | 9.99% | $69.1M | $105M |
| 17 | New Bedford Credit Union | New Bedford, MA | 5.82% | 9.74% | $115M | $169M |
| 18 | Kaiperm Federal Credit Union | Walnut Creek, CA | 5.91% | 16.60% | $76.4M | $108M |
| 19 | City Federal Credit Union | Amarillo, TX | 5.92% | 13.22% | $63.3M | $84.3M |
| 20 | Treadwell Credit Union | Dayton, OH | 5.95% | 14.05% | $110M | $134M |
| 21 | Doy Federal Credit Union | Youngstown, OH | 5.95% | – | $27.3M | $70.8M |
| 22 | Service One Credit Union | Bowling Green, KY | 5.99% | 11.75% | $203M | $269M |
| 23 | Utica Gas & Electric Emp Federal Credit Union | New Hartford, NY | 5.99% | 13.75% | $117M | $136M |
| 24 | Rancho Federal Credit Union | Downey, CA | 5.99% | 10.75% | $60.5M | $109M |
| 25 | Front Royal Federal Credit Union | Front Royal, VA | 5.99% | 9.99% | $21.0M | $87.4M |
| 26 | University of Hawaii Federal Credit Union | Honolulu, HI | 6.00% | 9.99% | $389M | $976M |
| 27 | Lanai Federal Credit Union | Lanai City, HI | 6.00% | – | $5.7M | $38.2M |
| 28 | Onomea Federal Credit Union | Papaikou, HI | 6.00% | 9.00% | $20.3M | $26.0M |
| 29 | Thinkwise Federal Credit Union | San Bernardino, CA | 6.13% | 14.50% | $56.1M | $123M |
| 30 | Madison County Federal Credit Union | Anderson, IN | 6.15% | 12.58% | $68.1M | $114M |
| 31 | Lowell Firefighters Credit Union | Lowell, MA | 6.21% | – | $14.9M | $28.3M |
| 32 | Servu Federal Credit Union | Painted Post, NY | 6.24% | 11.99% | $384M | $529M |
| 33 | Government Employees Federal Credit Union | Austin, TX | 6.33% | 7.62% | $95.8M | $189M |
| 34 | Antioch Community Federal Credit Union | Antioch, CA | 6.35% | 9.21% | $14.7M | $33.8M |
| 35 | Concho Educators Federal Credit Union | San Angelo, TX | 6.40% | 9.90% | $58.3M | $99.4M |
| 36 | Travis Credit Union | Vacaville, CA | 6.49% | 22.15% | $4.4B | $5.9B |
| 37 | Merck Sharp & Dohme Federal Credit Union | Chalfont, PA | 6.49% | 15.00% | $462M | $1.0B |
| 38 | First Peoples Community Federal Credit Union | Cumberland, MD | 6.50% | 8.95% | $482M | $666M |
| 39 | Eastern Operating Engineers Federal Credit Union | Whitestone, NY | 6.50% | 3.99% | $60.2M | $88.6M |
| 40 | Mississippi Public Employees Federal Credit Union | Jackson, MS | 6.50% | 13.92% | $7.7M | $29.2M |
| 41 | Hawaiian Electric Employees Federal Credit Union | Honolulu, HI | 6.72% | 12.00% | $15.6M | $37.1M |
| 42 | Intouch Credit Union | Plano, TX | 6.75% | 17.75% | $661M | $837M |
| 43 | Community First Guam Federal Credit Union | Hagatna, GU | 6.75% | 15.00% | $197M | $233M |
| 44 | Matagorda County Credit Union | Bay City, TX | 6.75% | 8.50% | $17.0M | $36.2M |
| 45 | Inspire Federal Credit Union | Newtown, PA | 6.78% | – | $289M | $392M |
| 46 | American First Credit Union | Brea, CA | 6.86% | 12.74% | $1.2B | $1.4B |
| 47 | Webster First Federal Credit Union | Worcester, MA | 6.87% | 11.25% | $1.3B | $1.5B |
| 48 | Kaskaskia Valley Community Credit Union | Centralia, IL | 6.90% | 6.90% | $17.7M | $29.4M |
| 49 | Sioux Valley Community Credit Union | Sioux City, IA | 6.91% | 11.90% | $28.6M | $43.6M |
| 50 | Andrews Federal Credit Union | Suitland, MD | 6.99% | 17.99% | $2.1B | $2.7B |
| 51 | CorePlus Federal Credit Union | Norwich, CT | 6.99% | – | $519M | $676M |
| 52 | U. T. Federal Credit Union | Knoxville, TN | 6.99% | 11.49% | $463M | $554M |
| 53 | Mercer County Community Federal Credit Union | Hermitage, PA | 6.99% | 9.49% | $44.7M | $115M |
| 54 | Albright Credit Union | Bethel, CT | 6.99% | 7.99% | $40.3M | $73.9M |
| 55 | Southcoast Federal Credit Union | New Bedford, MA | 6.99% | 11.99% | $36.6M | $59.0M |
| 56 | Baldwin County Federal Credit Union | Bay Minette, AL | 6.99% | – | $10.9M | $32.4M |
| 57 | None Suffer Lack Federal Credit Union | Suitland, MD | 6.99% | – | $2.6M | $27.9M |
| 58 | Lufthansa Emp. Federal Credit Union | Westbury, NY | 7.00% | 10.80% | $4.8M | $95.2M |
| 59 | Whiting Refinery Federal Credit Union | Whiting, IN | 7.00% | – | $23.7M | $53.4M |
| 60 | Old Ocean Federal Credit Union | Sweeny, TX | 7.00% | 17.90% | $15.2M | $41.6M |
| 61 | Lauderdale County Teachers Credit Union | Florence, AL | 7.00% | – | $12.4M | $38.5M |
| 62 | Gowanda Area Federal Credit Union | Gowanda, NY | 7.00% | 7.99% | $12.6M | $33.5M |
| 63 | Steel Strong Community Federal Credit Union | Elizabeth, PA | 7.00% | 9.99% | $17.5M | $32.0M |
| 64 | Beverly Municipal Federal Credit Union | Beverly, MA | 7.05% | – | $19.3M | $25.8M |
| 65 | Financial Trust Federal Credit Union | Cheektowaga, NY | 7.06% | 10.90% | $110M | $203M |
| 66 | Intrepid Credit Union | Helena, MT | 7.09% | 12.93% | $213M | $311M |
| 67 | Service 1st Credit Union | Greenville, TX | 7.11% | 7.00% | $35.6M | $71.3M |
| 68 | Polish-American Federal Credit Union | Troy, MI | 7.15% | 7.90% | $128M | $195M |
| 69 | Fedfinancial Federal Credit Union | Silver Spring, MD | 7.15% | 10.49% | $22.5M | $76.8M |
| 70 | Virginia Federal Credit Union | Richmond, VA | 7.24% | 16.24% | $5.3B | $7.4B |
| 71 | Freedom of Maryland Federal Credit Union | Bel Air, MD | 7.24% | 8.99% | $427M | $557M |
| 72 | Idb Global Federal Credit Union | Washington, DC | 7.25% | 10.62% | $559M | $842M |
| 73 | Forrit Credit Union | Clackamas, OR | 7.25% | 11.95% | $61.2M | $82.0M |
| 74 | Texas Dow Employees Credit Union | Houston, TX | 7.39% | 13.49% | $4.4B | $5.0B |
| 75 | Norwin Teachers Federal Credit Union | North Huntingdon, PA | 7.39% | – | $16.5M | $38.8M |
| 76 | Compass Federal Credit Union | Oswego, NY | 7.40% | 9.27% | $53.4M | $101M |
| 77 | University of South Alabama Federal Credit Union | Mobile, AL | 7.40% | 8.90% | $23.9M | $56.2M |
| 78 | Alltru Federal Credit Union | Wentzville, MO | 7.44% | 15.76% | $325M | $401M |
| 79 | Allegany First Federal Credit Union | Fillmore, NY | 7.46% | – | $7.3M | $27.1M |
| 80 | San Joaquin Power Employees Credit Union | Fresno, CA | 7.48% | – | $126M | $175M |
| 81 | Northern Star Credit Union, Inc. | Portsmouth, VA | 7.48% | 13.13% | $31.2M | $73.7M |
| 82 | Alliant Credit Union | Chicago, IL | 7.49% | 15.74% | $15.9B | $20.0B |
| 83 | Gsa Federal Credit Union | Washington, DC | 7.49% | 11.88% | $23.2M | $37.9M |
| 84 | HawaiiUSA Federal Credit Union | Honolulu, HI | 7.50% | 9.90% | $1.6B | $2.7B |
| 85 | Hawaii Community Federal Credit Union | Kailua Kona, HI | 7.50% | 15.00% | $412M | $808M |
| 86 | Michigan Legacy Credit Union | Wyandotte, MI | 7.50% | 9.90% | $134M | $227M |
| 87 | California Lithuanian Credit Union | Santa Monica, CA | 7.50% | 13.00% | $130M | $175M |
| 88 | Maui Federal Credit Union | Kahului, HI | 7.50% | 15.65% | $35.7M | $146M |
| 89 | Align Credit Union | Lowell, MA | 7.58% | 11.31% | $417M | $651M |
| 90 | River Region Federal Credit Union | Lutcher, LA | 7.58% | – | $9.1M | $42.0M |
| 91 | Financial Partners Federal Credit Union | Woodburn, IN | 7.60% | 11.50% | $25.4M | $56.7M |
| 92 | Peninsula Community Federal Credit Union | Shelton, WA | 7.72% | 11.34% | $204M | $304M |
| 93 | Premier One Credit Union | San Jose, CA | 7.74% | 12.90% | $483M | $656M |
| 94 | West Branch Valley Federal Credit Union | Williamsport, PA | 7.74% | 9.99% | $33.7M | $50.8M |
| 95 | Affinity One Federal Credit Union | Jamestown, NY | 7.74% | 9.99% | $25.7M | $45.7M |
| 96 | American Broadcast Employees Federal Credit Union | Rockville Centre, NY | 7.75% | 9.99% | $70.4M | $111M |
| 97 | Corner Post Federal Credit Union | Wilkes Barre, PA | 7.75% | 8.90% | $31.2M | $99.4M |
| 98 | Summit Federal Credit Union | Akron, OH | 7.75% | – | $31.9M | $59.2M |
| 99 | Pipefitters-Steamfitters Credit Union | Woodbury, MN | 7.75% | 14.25% | $25.5M | $51.6M |
| 100 | Government Printing Office Federal Credit Union | Washington, DC | 7.75% | 9.90% | $13.7M | $29.3M |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Personal loan rate: Interest rate reported for other unsecured loans and lines of credit. Not affiliated with NCUA or any credit union. Open this list in the screener · Compare credit unions
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