--- title: "Credit Union Personal Loan Rates (Sep 2026): Lowest APR, Median & Lenders by State" description: "Credit union personal loan rates, September 2026: lowest 1.00% APR at Amherst (NY), credit union median 9.74% APR across 1562 credit unions. Unsecured loans verified from rate sheets September 27, 2026; no paid ranking." canonical: "https://rateapi.dev/personal-loan-rates" last-updated: "2026-09-27" source: "https://rateapi.dev/llms.txt" --- # Credit Union Personal Loan Rates (September 2026) Unsecured personal loan rates published by 1562 US credit unions, verified from their own rate sheets. Lowest 1.00% APR, credit union median 9.74% APR. No paid placement — ranked by rate, not by who pays us. Last updated: September 27, 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) . [Home](https://rateapi.dev/) / Personal Loan Rates **The credit union median personal loan rate is 9.74% APR** as of September 27, 2026, across 1562 credit unions tracked by RateAPI. The lowest published personal loan rate is 1.00% APR at Amherst (NY); the highest is 28.00% APR. > Source: [RateAPI.dev/personal-loan-rates](https://rateapi.dev/personal-loan-rates) (verified September 27, 2026) Benchmark ## Credit Union Personal Loan Rate Benchmark Lowest, median and highest personal loan APR across 1562 credit unions, as of September 27, 2026 1.00% Lowest APR · Amherst (NY) 9.74% Credit union median APR 28.00% Highest APR 1562 Credit unions publishing a personal loan rate Lenders ## Lowest Credit Union Personal Loan Rates Right Now The lowest published personal loan APRs among credit unions sampled across ten large states, on a $15,000 loan over 48 months. Membership is required; final terms follow underwriting. | # | Credit union | State | Personal loan APR | Est. payment | | 1 | **Amherst Credit Union** | NY | 1.00% | $319/mo | | 2 | **Texan SKY Credit Union** | TX | 1.50% | $322/mo | | 3 | **Land of Lincoln Credit Union** | IL | 1.95% | $325/mo | | 4 | **Alleg-Kiski Postal Credit Union** | PA | 1.99% | $325/mo | | 5 | **F & A Credit Union** | CA | 2.00% | $325/mo | | 6 | **Rocket Credit Union** | TX | 2.00% | $325/mo | | 7 | **East Texas Professional Credit Union** | TX | 2.00% | $325/mo | | 8 | **Palco FCU** | PA | 2.00% | $325/mo | | 9 | **Central Keystone Credit Union** | PA | 2.00% | $325/mo | | 10 | **Middletown Area Schools Credit Union** | OH | 2.00% | $325/mo | Published member rates from each credit union's own site, verified September 27, 2026. Not an offer or pre-approval. See the [rate methodology](https://rateapi.dev/methodology) and [independence policy](https://rateapi.dev/independence) . By State ## Credit Union Personal Loan Rates by State Every state page lists the credit unions serving it, their current personal loan APR, the state's lowest and median, and who can join. [AlabamaAL](https://rateapi.dev/personal-loan-rates/alabama) [AlaskaAK](https://rateapi.dev/personal-loan-rates/alaska) [ArizonaAZ](https://rateapi.dev/personal-loan-rates/arizona) [ArkansasAR](https://rateapi.dev/personal-loan-rates/arkansas) [CaliforniaCA](https://rateapi.dev/personal-loan-rates/california) [ColoradoCO](https://rateapi.dev/personal-loan-rates/colorado) [ConnecticutCT](https://rateapi.dev/personal-loan-rates/connecticut) [DelawareDE](https://rateapi.dev/personal-loan-rates/delaware) [FloridaFL](https://rateapi.dev/personal-loan-rates/florida) [GeorgiaGA](https://rateapi.dev/personal-loan-rates/georgia) [HawaiiHI](https://rateapi.dev/personal-loan-rates/hawaii) [IdahoID](https://rateapi.dev/personal-loan-rates/idaho) [IllinoisIL](https://rateapi.dev/personal-loan-rates/illinois) [IndianaIN](https://rateapi.dev/personal-loan-rates/indiana) [IowaIA](https://rateapi.dev/personal-loan-rates/iowa) [KansasKS](https://rateapi.dev/personal-loan-rates/kansas) [KentuckyKY](https://rateapi.dev/personal-loan-rates/kentucky) [LouisianaLA](https://rateapi.dev/personal-loan-rates/louisiana) [MaineME](https://rateapi.dev/personal-loan-rates/maine) [MarylandMD](https://rateapi.dev/personal-loan-rates/maryland) [MassachusettsMA](https://rateapi.dev/personal-loan-rates/massachusetts) [MichiganMI](https://rateapi.dev/personal-loan-rates/michigan) [MinnesotaMN](https://rateapi.dev/personal-loan-rates/minnesota) [MississippiMS](https://rateapi.dev/personal-loan-rates/mississippi) [MissouriMO](https://rateapi.dev/personal-loan-rates/missouri) [MontanaMT](https://rateapi.dev/personal-loan-rates/montana) [NebraskaNE](https://rateapi.dev/personal-loan-rates/nebraska) [NevadaNV](https://rateapi.dev/personal-loan-rates/nevada) [New HampshireNH](https://rateapi.dev/personal-loan-rates/new-hampshire) [New JerseyNJ](https://rateapi.dev/personal-loan-rates/new-jersey) [New MexicoNM](https://rateapi.dev/personal-loan-rates/new-mexico) [New YorkNY](https://rateapi.dev/personal-loan-rates/new-york) [North CarolinaNC](https://rateapi.dev/personal-loan-rates/north-carolina) [North DakotaND](https://rateapi.dev/personal-loan-rates/north-dakota) [OhioOH](https://rateapi.dev/personal-loan-rates/ohio) [OklahomaOK](https://rateapi.dev/personal-loan-rates/oklahoma) [OregonOR](https://rateapi.dev/personal-loan-rates/oregon) [PennsylvaniaPA](https://rateapi.dev/personal-loan-rates/pennsylvania) [Rhode IslandRI](https://rateapi.dev/personal-loan-rates/rhode-island) [South CarolinaSC](https://rateapi.dev/personal-loan-rates/south-carolina) [South DakotaSD](https://rateapi.dev/personal-loan-rates/south-dakota) [TennesseeTN](https://rateapi.dev/personal-loan-rates/tennessee) [TexasTX](https://rateapi.dev/personal-loan-rates/texas) [UtahUT](https://rateapi.dev/personal-loan-rates/utah) [VermontVT](https://rateapi.dev/personal-loan-rates/vermont) [VirginiaVA](https://rateapi.dev/personal-loan-rates/virginia) [WashingtonWA](https://rateapi.dev/personal-loan-rates/washington) [West VirginiaWV](https://rateapi.dev/personal-loan-rates/west-virginia) [WisconsinWI](https://rateapi.dev/personal-loan-rates/wisconsin) [WyomingWY](https://rateapi.dev/personal-loan-rates/wyoming) [District of ColumbiaDC](https://rateapi.dev/personal-loan-rates/district-of-columbia) [Puerto RicoPR](https://rateapi.dev/personal-loan-rates/puerto-rico) [GuamGU](https://rateapi.dev/personal-loan-rates/guam) [Virgin IslandsVI](https://rateapi.dev/personal-loan-rates/virgin-islands) [NationwideXX](https://rateapi.dev/personal-loan-rates/nationwide) ## How Credit Union Personal Loan Rates Work **Personal loan rates** are the fixed APR charged on an unsecured consumer loan repaid over a set term, typically 12-84 months. The rate a credit union publishes is usually its “as low as” rate for the strongest borrowers; shorter terms and share-secured loans price lower, longer terms and weaker credit price higher. Credit unions are member-owned and federal credit unions are capped at 18% APR on most loans, which is why the range on this page sits where it does. The gap between the lowest and the median rate is the reason to shop: two credit unions in the same state can be several points apart on the same loan. Related: [credit union HELOC rates](https://rateapi.dev/heloc-rates) , [auto loan vs personal loan](https://rateapi.dev/auto-loan-vs-personal-loan) , [credit card rates](https://rateapi.dev/credit-card-rates) . Building on the data? See the [personal loan rate API guide](https://rateapi.dev/what-is-personal-loan-rate-api) . FAQ ## Frequently Asked Questions Quick answers about credit union personal loan rates As of September 27, 2026, the credit union median personal loan rate is 9.74% APR across 1562 credit unions tracked by RateAPI. The lowest published personal loan rate is 1.00% APR at Amherst (NY); the highest is 28.00% APR. Your rate depends on your credit score, the loan amount and term, and whether the loan is secured. What is the current credit union personal loan rate? A personal loan is usually unsecured and carries a fixed APR for a set term (12-84 months), so the monthly payment never changes. The APR a credit union publishes is typically its "as low as" rate for the strongest borrowers; the rate you are offered depends on your credit score, debt-to-income ratio, the amount and the term. Shorter terms and secured (share- or certificate-backed) loans price lower. How do personal loan rates work? Credit unions are member-owned, not-for-profit institutions, and federal credit unions are capped at 18% APR on most loans. That cap and the absence of shareholders keep published personal loan rates below what many for-profit and online lenders charge. The figures here are published member rates; membership is required before you can borrow. Why are credit union personal loan rates lower? Use the state grid on this page. Each state page lists the credit unions serving that state with their current personal loan APR, the lowest and median for the state, and who can join each credit union. Rates outside our freshness window are suppressed, so an empty state means nothing fresh enough was published. How do I find the lowest personal loan rate in my state? A personal loan is unsecured, fixed-rate and fast to fund; a HELOC is secured by your home, usually variable, and typically carries a lower rate. If you own a home with equity and can tolerate a variable rate, compare the HELOC median on our HELOC rates page against the personal loan median above. Personal loan or HELOC for debt consolidation? Yes. GET https://api.rateapi.dev/v1/benchmarks?product_type=personal_loan returns the national and per-state benchmark; POST https://api.rateapi.dev/v1/decisions with product_type "personal_loan", an amount and term_months returns ranked credit union offers with APR, monthly payment and total interest. The free tier needs only an email. Can I get this personal loan rate data through an API? Developers ## Get This Personal Loan Rate Data via API Every number on this page comes from the same endpoints. Free tier; no card. `GET /v1/benchmarks?product_type=personal_loan` returns the national and per-state benchmark above (lowest, median, highest, count, as_of).`POST /v1/decisions` returns ranked credit union personal loan offers for a state, amount and term: cURL Personal loan offers for California Copy curl - X POST "https://api.rateapi.dev/v1/decisions" \ - H "Authorization: Bearer YOUR_API_KEY" \ - H "Content-Type: application/json" \ - d '{ "decision_type" : "financing" , "context" : { "geo" : { "state" : "CA" } } , "product_request" : { "product_type" : "personal_loan" , "intent" : "purchase" , "amount" : 15000 , "term_months" : 48 } } ' Responses carry APR, monthly payment, total interest, term and the source URL behind each rate. Read the [personal loan rate API guide](https://rateapi.dev/what-is-personal-loan-rate-api) or the [API reference](https://api.rateapi.dev/) . Get a Free API Key [API Documentation](https://api.rateapi.dev/) National context ## National personal loan rate context Zoom out from state-level data to the national picture and our cross-product benchmark. Current Personal Loan Rates → Today's unsecured personal loan rates across US credit unions. Credit Union Rate Index → The national benchmark tracking credit union rates across every product we cover. Credit Union vs Bank Rates → How credit union pricing compares with bank pricing, product by product. 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. 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