--- title: "Prospera Credit Union Rates (Nov 2026): Personal 11.00%" description: "Prospera Credit Union rates today: personal loans from 11.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Prospera Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/wisconsin/prospera" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Prospera Credit Union Rates (Nov 2026): Personal 11.00% ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **LOAN TYPE: Interest-Only HELOC** heloc_variable | — APR | 6.000% | — | Standard | Prospera Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **LOAN TYPE: Personal Line of Credit 2** ploc_variable | 11.000% APR | 11.000% | — | Standard | Prospera Credit Union personal loan rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **LOAN TYPE: Installment (Lump Sum) 1** other | 9.180% % | 8.500% | — | Standard | Prospera Credit Union other rates as of November 12, 2026 Personal loan rates from 11% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/wisconsin/prospera) , verified from [Prospera Credit Union's official website](https://myprospera.com/) Best product position **Room to improve vs. the Wisconsin median** personal loan Gap to state best **698 bp** 698 bp from state best Vs. state median **110 bp behind median** personal loan Products ranked **1** across tracked Wisconsin markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 11.00% | Room to improve vs. the Wisconsin median | 698 bp from state best | 110 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Prospera Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=prospera&state=wisconsin&code=WI&name=Prospera%20Credit%20Union) Loading branch locator… ## About Prospera Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 21.5K Assets $378.8M Founded 1934 Locations reported 7 NCUA charter 66652 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Unison** Grand Chute · Grand Chute · WI · 54913 About 2.5 miles away](https://rateapi.dev/credit-unions/wisconsin/unison) [**Fox Communities** Enterprise · Appleton · WI · 54913 About 2.9 miles away](https://rateapi.dev/credit-unions/wisconsin/fox-communities) [**Covantage** CoVantage Credit Union · Appleton · WI · 54911 About 3.3 miles away](https://rateapi.dev/credit-unions/wisconsin/covantage) [**Ent** Appleton · Appleton · WI · 54914-1424 About 3.5 miles away](https://rateapi.dev/credit-unions/colorado/ent) [**Community First** Community First Credit Union - Ballard · Appleton · WI · 54911-8658 About 3.7 miles away](https://rateapi.dev/credit-unions/wisconsin/community-first) [**Capital** Wisconsin Ave · Appleton · WI · 54914 About 5.0 miles away](https://rateapi.dev/credit-unions/wisconsin/capital) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Prospera Credit Union Membership eligibility from Prospera Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Prospera Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer RR Donnelly, Printpac Acquisitions, Inc., organization currently holding the food service contract for UWO - Association Association of UWO - School Fox Valley Technical College, University of Wisconsin Oshkosh (UWO) Verified from [Prospera Credit Union's membership page](https://myprospera.com/about) . Final membership determination is always made by the credit union. ## Membership rules for Prospera Credit Union Employers 3 · Associations · Schools 2 · Family 7 published paths to membership, last verified August 21, 2026, quoted from Prospera Credit Union’s own published criteria. ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of RR Donnelly “employees of RR Donnelly, and all its solely owned subsidiary companies” > [source ↗](https://myprospera.com/about) - Employee of RR Donnelly - Employee of Printpac Acquisitions, Inc. “Printpac Acquisitions, Inc., a Wisconsin based company” > [source ↗](https://myprospera.com/about) - Employee of Printpac Acquisitions, Inc. - Employee of organization currently holding the food service contract for UWO “any employee of the organization currently holding the food service contract for UWO” > [source ↗](https://myprospera.com/about) - Employee of organization currently holding the food service contract for UWO ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Association of UWO “any officially recognized Association of UWO” > [source ↗](https://myprospera.com/about) - Member of Association of UWO ### Schools 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of Fox Valley Technical College “teachers, administration and students of Fox Valley Technical College” > [source ↗](https://myprospera.com/about) - Student at Fox Valley Technical College - Student of University of Wisconsin Oshkosh (UWO) “University of Wisconsin Oshkosh (UWO) current and previous university staff, academic staff, faculty” > [source ↗](https://myprospera.com/about) - Student at University of Wisconsin Oshkosh (UWO) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family member “Immediate family member of any other eligible person.” > [source ↗](https://myprospera.com/about) - Family member (immediate family member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Prospera Credit Union? Yes No ## Work at Prospera Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Prospera Credit Union ranks against Wisconsin peers. - See which AI assistants fetched Prospera Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Wisconsin - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=prospera&state=wisconsin&code=WI&name=Prospera%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Prospera Credit Union offer? Prospera Credit Union currently offers HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Prospera Credit Union rates updated? RateAPI verifies Prospera Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Prospera Credit Union's rate data? Rate data is collected directly from Prospera Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Prospera Credit Union's personal loan rate? As of November 12, 2026, Prospera Credit Union offers personal loans from 11% APR. ### Who can join Prospera Credit Union? Prospera Credit Union publishes its membership criteria on its own website. RateAPI tracks 7 published membership paths covering 3 employers, 1 association and 2 schools for Prospera Credit Union, each quoted from Prospera Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Prospera Credit Union's rates against national credit-union benchmarks. [More Wisconsin credit unions](https://rateapi.dev/credit-unions/wisconsin) [Wisconsin HELOC rate leaders](https://rateapi.dev/heloc-rates/wisconsin) [Wisconsin personal loan leaders](https://rateapi.dev/personal-loan-rates/wisconsin) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://myprospera.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Prospera Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Wisconsin credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Prospera Credit Union curl "https://api.rateapi.dev/credit-unions/wisconsin /prospera " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Prospera Credit Union locations Search, filter, and browse all 7 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/wisconsin/prospera Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp