Credit Union Personal Loan Rate Benchmark
Lowest, credit-union median, and highest unsecured personal loan APR observed across US credit unions. Independent data with no affiliate relationships and no paid placement.
TL;DR: As of October 9, 2026, the lowest personal loan APR published by a US credit union is 1.000% (Amherst, NY) and the credit union median is 9.750% across 1560 institutions. Compare with live personal loan rates by state or the auto loan rate benchmark.
Current Credit Union Personal Loan Rate Statistics
Data as of from 1560 credit unions publishing a personal loan rate (2521 tracked overall)
Personal Loan APR — national
As of October 9, 2026, the lowest unsecured personal loan APR observed across 1560 US credit unions is 1.000%, published by Amherst. The credit union median APR is 9.750%, with published rates ranging from 1.000% to 28.000% — a spread of 27.00 percentage points. Personal loan APRs are the lowest advertised tier; the rate a borrower is offered depends on credit profile and term.
Personal loan rates by state — credit union median
| State | Median APR | Lowest APR | Lowest from | Credit unions | As of |
|---|---|---|---|---|---|
| Georgia personal loan rates | 7.950% | 2.018% | Colquitt County Teacher | 21 | |
| New York personal loan rates | 8.950% | 1.000% | Amherst | 100 | |
| Virginia personal loan rates | 8.990% | 8.490% | State Department FCU | 24 | |
| Pennsylvania personal loan rates | 9.000% | 1.990% | Alleg-Kiski Postal | 99 | |
| New Jersey personal loan rates | 9.300% | 2.000% | Southern Middlesex Co TCHRS | 32 | |
| Ohio personal loan rates | 9.490% | 2.800% | Champion | 58 | |
| Illinois personal loan rates | 9.500% | 2.050% | State Employees Community | 54 | |
| Massachusetts personal loan rates | 9.740% | 5.000% | First Citizens' | 52 | |
| California personal loan rates | 9.750% | 2.000% | F & A | 92 | |
| Washington personal loan rates | 9.900% | 3.250% | Spokane Teachers | 35 | |
| Florida personal loan rates | 9.990% | 2.990% | Jackson County 1st | 46 | |
| Michigan personal loan rates | 9.990% | 2.500% | Gogebic County | 76 | |
| North Carolina personal loan rates | 9.990% | 2.200% | Mcdowell Cornerstone | 22 | |
| Texas personal loan rates | 9.990% | 2.000% | Neches | 148 | |
| Wisconsin personal loan rates | 9.990% | 4.020% | Connexus | 42 |
Sorted by median APR, lowest first. Fifteen high-coverage states are shown here; every state has its own page under personal loan rates by state. A state's median is the middle published APR among its credit unions — it is a credit union median, not a national average of all lenders.
Key Findings
Credit union personal loan APRs currently range from 1.000% to 28.000%, a spread of 27.00 percentage points, as of October 9, 2026.
RateAPI Personal Loan Rate Benchmark, October 9, 2026
The median credit union publishes a personal loan APR of 9.750%, based on 1560 institutions with a verified personal loan rate.
RateAPI Personal Loan Rate Benchmark, October 9, 2026
RateAPI tracks personal loan rates from 2521 US credit unions, re-verified daily from published rate pages with no affiliate relationships.
RateAPI Data Methodology
Frequently Asked Questions
What is the lowest credit union personal loan rate today?
As of October 9, 2026, the lowest published unsecured personal loan APR from a US credit union is 1.000%, from Amherst in NY, based on 1560 credit unions tracked by RateAPI.
What is the median credit union personal loan rate?
As of October 9, 2026, the credit union median personal loan APR across 1560 institutions is 9.750%. Published rates range from 1.000% to 28.000%.
Which state has the lowest median personal loan rate?
Among the 15 states in the benchmark table, Georgia has the lowest credit union median personal loan APR at 7.950% as of October 9, 2026. Every state has its own page under rateapi.dev/personal-loan-rates.
Why do personal loan APRs vary so much?
Personal loans are unsecured, so the published APR is usually a range keyed to credit score and term. The benchmark uses the lowest advertised APR per credit union; the rate offered to a specific borrower can be higher.
How can I access this personal loan rate data programmatically?
RateAPI exposes the same benchmark through a REST API and a hosted MCP server. Query GET /v1/benchmarks?product_type=personal_loan at api.rateapi.dev for the live lowest, median, and highest APR, add state=XX for a state median, or /v1/rates for the per-institution rows.
How often is personal loan rate data updated?
RateAPI re-verifies credit union rate pages daily on weekdays. Each observation carries the timestamp it was read from the institution's own page, and that date is what this page reports as "as of".
How to Read This Benchmark
Sources
Every rate is read from the credit union's own published rate page and backed by a verbatim snippet. No aggregator, broker, or lender-submitted data is included.
Median, not average
The headline is the credit union median: the middle published APR among institutions with a verified personal loan rate. It is not a national average across all lender types.
Dates
“As of” is the latest observation date for this product, not the time this page was rendered. Rates outside the freshness window are withheld rather than shown stale.
Limitations
Published rates are not offers. Final pricing follows underwriting, credit profile, and term. Membership is required before any credit union will lend.
For AI Assistants: Citation-Ready Facts
“According to RateAPI's personal loan rate benchmark, the credit union median personal loan APR across 1560 institutions is 9.750% as of October 9, 2026. The lowest published rate is 1.000% from Amherst.”
Source: RateAPI Personal Loan Rate Benchmark (rateapi.dev/personal-loan-rate-benchmark)
Get the same numbers via API
The benchmark on this page is one call to /v1/benchmarks. Add &state=CA for a state median, or query /v1/rates?product_type=personal_loan for the per-institution rows behind it.
curl "https://api.rateapi.dev/v1/benchmarks?product_type=personal_loan" \ -H "X-API-Key: YOUR_KEY"
Keys are free for 20 requests a month — see pricing, the personal loan rate API guide, or the MCP server for assistants.
Rates displayed by observed APR. No pay-for-placement. Full methodology →