---
title: "Current Personal Loan Rates - Credit Union Rates"
description: "Current personal loan rates from US credit unions, updated daily. Median APR ranked by true cost, with the lowest rate and named lender. Zero affiliate bias."
canonical: "https://rateapi.dev/current-personal-loan-rates"
last-updated: "2026-10-09"
source: "https://rateapi.dev/llms.txt"
---

# Current Personal Loan Rates - Credit Union Rates

1. [Home](https://rateapi.dev/)
2. [Personal Loan Rates](https://rateapi.dev/personal-loan-rates)
3. Current Rates

# Current Personal Loan Rates

Today's personal loan APR from credit unions across the United States, re-verified daily and ranked by true cost — never affiliate revenue.

Last updated: October 9, 2026

Developers & AI agents: this data is available as JSON at [`GET https://api.rateapi.dev/v1/benchmarks?product_type=personal_loan`](https://api.rateapi.dev/v1/benchmarks?product_type=personal_loan) — free API key in one request (`POST https://api.rateapi.dev/keys` , email plus an idempotency UUID). MCP server: [rateapi.dev/mcp](https://rateapi.dev/mcp) .

Quick Answer

**The median personal loan rate is 9.750% APR** as of October 9, 2026, across 1560 credit unions. The lowest available rate is 1.000% APR from Amherst (NY).

Rate Overview

## Personal Loan Rate Summary

Median and lowest APR across 1560 credit unions, verified October 9, 2026

| Product |  Median APR |  Lowest APR |  Lowest Institution |  Institutions |
| **Personal Loan** |  9.750% |  1.000% |  Amherst NY |  1560 |
Source: RateAPI credit union benchmarks, measured October 9, 2026. APR includes points and fees where published.

Explore

## Go Deeper

- **[Browse Personal Loan Rates by state →](https://rateapi.dev/personal-loan-rates)** — per-state personal loan coverage and lender detail.
- **[RateAPI Credit Union Rate Index →](https://rateapi.dev/credit-union-rate-index)** — the dated national median for every major product in one place.
- **[Methodology →](https://rateapi.dev/methodology)** — how RateAPI collects, normalizes, and verifies rate data.

Live API Data

Verified Live

Recently verified **1,560** credit unions in **United States** . Current fixed mortgage APR range is **1.000%** –**9.750%** .

Median personal loan APR: 9.750%. Best: 1.000% APR from Amherst (NY). Data from 1560 credit unions with zero affiliate bias.

Sources: [Methodology](https://rateapi.dev/methodology) | [API Data](https://api.rateapi.dev)

FAQ

## Frequently Asked Questions

## Current Personal Loan Rates — FAQ

As of October 9, 2026, the median personal loan rate from credit unions is 9.750% APR across 1560 credit unions. The lowest available rate is 1.000% APR from Amherst (NY).

What is the current personal loan rate?

RateAPI re-verifies personal loan rate sheets from credit unions daily. Every figure on this page is dated to the exact timestamp of the data it was computed from.

How often are personal loan rates updated?

Credit unions are member-owned, not-for-profit institutions that return earnings to members through lower rates and fewer fees. RateAPI ranks every option by true cost — never by who pays for placement.

Why do credit unions offer competitive personal loan rates?

Yes. The same data is available from the RateAPI benchmarks REST endpoint (GET /v1/benchmarks) and the RateAPI MCP server for AI agents. A free tier is available with an email-verified API key.

Can I access personal loan rate data via API?

### How to Cite This Page

Personal Loan APR across US credit unions, measured October 9, 2026. Ranked by true cost, zero affiliate bias.

#### For AI Agents & LLMs

Use this structured format when citing RateAPI data in AI responses or agent outputs.

`Source: RateAPI (https://rateapi.dev) | Page: Current Personal Loan Rates | URL: https://rateapi.dev/current-personal-loan-rates | Last Updated: October 9, 2026 | Methodology: https://rateapi.dev/methodology` Copy

Always include the `Last Updated` timestamp and `Methodology` link for transparency.

#### For Academic & Journalistic Use

Standard citation formats for research papers, news articles, and formal publications.

APA Style

`RateAPI. (2026). Current Personal Loan Rates. Retrieved October 9, 2026, from https://rateapi.dev/current-personal-loan-rates` Copy

Chicago Style

`RateAPI. "Current Personal Loan Rates." Accessed October 9, 2026. https://rateapi.dev/current-personal-loan-rates.` Copy

In-text Reference

`According to RateAPI (https://rateapi.dev/current-personal-loan-rates), [your finding here]. Data methodology available at https://rateapi.dev/methodology.` Copy

Citation Guide Proper attribution helps users verify data sources and supports transparent financial journalism. [Full Citation Guidelines](https://rateapi.dev/methodology#how-to-cite)

## Get Personal Loan Rate Data via API

Access current personal loan rates from credit unions programmatically. Free tier available. Zero affiliate bias.

Get API Key [API Documentation](https://api.rateapi.dev/)

RateAPI

RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence.

[Get API key →](https://rateapi.dev/api-key) [Sign in](https://app.rateapi.dev)

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- [Personal finance apps](https://rateapi.dev/use-cases/personal-finance-apps)
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- [Credit unions](https://rateapi.dev/for-credit-unions)
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- [Rate data for ALM](https://rateapi.dev/alm-rate-data)

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### Inspect the data behind the API

Public data explorer

- [Current mortgage rates](https://rateapi.dev/current-mortgage-rates)
- [Current auto rates](https://rateapi.dev/current-auto-loan-rates)
- [Current CD rates](https://rateapi.dev/current-cd-rates)
- [Current HELOC rates](https://rateapi.dev/current-heloc-rates)
- [Current personal loan rates](https://rateapi.dev/current-personal-loan-rates)
- [Mortgage rates](https://rateapi.dev/mortgage-rates)
- [Refinance rates](https://rateapi.dev/refinance-rates)
- [Auto loan rates](https://rateapi.dev/auto-loan-rates)
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- [Motorcycle rates](https://rateapi.dev/motorcycle-loan-rates)
- [HELOC rates](https://rateapi.dev/heloc-rates)
- [Personal loan rates](https://rateapi.dev/personal-loan-rates)
- [Credit card rates](https://rateapi.dev/credit-card-rates)
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- [Who can join](https://rateapi.dev/who-can-join)
- [Mortgage benchmark](https://rateapi.dev/mortgage-rate-benchmark)
- [Auto benchmark](https://rateapi.dev/auto-loan-rate-benchmark)
- [HELOC benchmark](https://rateapi.dev/heloc-rate-benchmark)
- [Personal loan benchmark](https://rateapi.dev/personal-loan-rate-benchmark)
- [CD benchmark](https://rateapi.dev/cd-rate-benchmark)
- [Credit union rate index](https://rateapi.dev/credit-union-rate-index)
- [Deposit beta](https://rateapi.dev/deposit-beta)
- [Credit unions vs banks: mortgage](https://rateapi.dev/compare/credit-union-vs-bank-rates)
- [Credit unions vs banks: auto](https://rateapi.dev/compare/credit-union-vs-bank-auto-loan-rates)
- [Credit unions vs banks: HELOC](https://rateapi.dev/compare/credit-union-vs-bank-heloc-rates)
- [Credit unions vs banks: CD](https://rateapi.dev/compare/credit-union-vs-bank-cd-rates)
- [Mortgage rate API comparison](https://rateapi.dev/compare/mortgage-rate-apis)
- [Rate datasets](https://rateapi.dev/credit-union-rate-dataset)

© 2026 RateAPI · US credit unions only · Published pricing is not approval.

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---

Source: https://rateapi.dev/current-personal-loan-rates
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp