--- title: "Texas Credit Union Personal Loan Rates" description: "148 Texas credit unions compared, October 2026: unsecured personal loans from 2.00% APR at Neches. Verified from real credit union rate sheets — no paid ranking, no affiliate links." canonical: "https://rateapi.dev/personal-loan-rates/texas" last-updated: "2026-10-09" source: "https://rateapi.dev/llms.txt" --- # Texas Credit Union Personal Loan Rates Compare personal loan rates from credit unions in Texas. Today's best rate: 2.00% APR at Neches. Great for debt consolidation, home improvement, and major purchases. Updated October 2026 205 Credit Unions [Home](https://rateapi.dev/) / [Personal Loan Rates](https://rateapi.dev/personal-loan-rates) / Texas 2.00% Lowest APR Neches 9.99% Median APR 28.00% Highest APR 148 Institutions Texas personal loan rates range from 2.00% to 28.00% APR. Data from 205 credit unions, updated October 2026. > Source: [RateAPI.dev](https://rateapi.dev/personal-loan-rates/texas) ## Top Texas Credit Unions for Personal Loans Ranked by lowest APR. Based on a $15,000 loan over 48 months. The lowest personal loan APR in Texas is 2.00% (median 9.99%), drawn from 148 credit unions as of October 2026. Credit unions cap APRs federally and often beat bank and online-lender rates for borrowers with good credit. | Credit Union | Rate | APR | Est. Payment | | Texan SKY Credit Union Time Share Secured | 1.5% | 1.5% | $322/mo | [Visit Site](https://www.texansky.com/) | Members Trust of the Southwest Credit Union Premier Share Account Secured (1.25% over high split) | 2% | 2% | $325/mo | [Visit Site](https://www.mtfcu.coop/) | Rocket Credit Union Secured Personal Loan | 2% | 2% | $325/mo | [Visit Site](https://www.rocketfcu.com/) | East Texas Professional Credit Union Term Share Certificate Secured | 2% | 2% | $325/mo | [Visit Site](https://www.etpcu.org/) | The People's Credit Union Share-Secured Loan | 2% | 2% | $325/mo | [Visit Site](https://tpfcu.com/) | ## How to Get the Best Personal Loan Rate in Texas Personal loans from credit unions in Texas typically offer lower rates than banks or online lenders. Here's how to qualify for the best terms: 1 #### Check Your Credit Report Review your credit report for errors before applying. Dispute any inaccuracies that could be dragging down your score. 2 #### Consider a Secured Loan Secured personal loans backed by savings or a CD can offer significantly lower rates than unsecured options. 3 #### Choose the Right Term Length Shorter terms (24-36 months) often have lower rates but higher payments. Balance affordability with total interest paid. 4 #### Become a Member First Some credit unions offer rate discounts to long-standing members. Open an account early to build your relationship. ### Personal Loan Rates in Nearby States [Arkansas](https://rateapi.dev/personal-loan-rates/arkansas) [Louisiana](https://rateapi.dev/personal-loan-rates/louisiana) [New Mexico](https://rateapi.dev/personal-loan-rates/new-mexico) [Oklahoma](https://rateapi.dev/personal-loan-rates/oklahoma) ### Other Loan Products in Texas [Texas Credit Unions](https://rateapi.dev/credit-unions/texas) [First-Mortgage Rates in Texas](https://rateapi.dev/mortgage-rates/texas) [Texas Auto Loan Rates](https://rateapi.dev/auto-loan-rates/texas) [Texas HELOC Rates](https://rateapi.dev/heloc-rates/texas) [All Personal Loan Rates](https://rateapi.dev/personal-loan-rates) [How We Source Rates](https://rateapi.dev/methodology) ## Frequently Asked Questions Common questions about personal loan rates in Texas As of October 2026, personal loan rates in Texas range from 2.00% to 28.00% APR across credit unions. Rates depend on credit score, loan amount, and term length. What are the current personal loan rates in Texas? Personal loans in Texas can be used for almost any purpose: debt consolidation, home improvement, medical expenses, major purchases, wedding costs, or emergency expenses. Unlike auto or home loans, personal loans are flexible and don't require collateral. What can I use a personal loan for in Texas? Credit unions in Texas often offer lower rates than online lenders, especially for borrowers with good credit. Online lenders may be faster to fund, but credit unions typically have lower fees and more flexible terms. Are credit union personal loans better than online lenders in Texas? For the best personal loan rates in Texas, aim for a credit score of 700 or higher. Many credit unions offer loans to members with scores as low as 580-620, though at higher rates. Secured personal loans may be available for lower scores. What credit score do I need for a personal loan in Texas? Most Texas credit unions accept members based on where you live, work, or worship, or through a small one-time deposit into a savings account. Once you are a member, you can apply for a personal loan, often online or in branch. How do I join a credit union in Texas to get a personal loan? Yes. Debt consolidation is one of the most common uses for credit union personal loans in Texas. If the loan's APR is lower than your current credit card rates, consolidating can reduce your total interest and simplify payments into one fixed monthly amount. Can I use a personal loan to consolidate debt in Texas? ### Personal Loan Rates by City in Texas [Houston](https://rateapi.dev/personal-loan-rates/texas/houston) [San Antonio](https://rateapi.dev/personal-loan-rates/texas/san-antonio) [Dallas](https://rateapi.dev/personal-loan-rates/texas/dallas) [Austin](https://rateapi.dev/personal-loan-rates/texas/austin) [Fort Worth](https://rateapi.dev/personal-loan-rates/texas/fort-worth) [El Paso](https://rateapi.dev/personal-loan-rates/texas/el-paso) [Arlington](https://rateapi.dev/personal-loan-rates/texas/arlington) [Corpus Christi](https://rateapi.dev/personal-loan-rates/texas/corpus-christi) [Texarkana](https://rateapi.dev/personal-loan-rates/texas/texarkana) [Amarillo](https://rateapi.dev/personal-loan-rates/texas/amarillo) [Waco](https://rateapi.dev/personal-loan-rates/texas/waco) [Wichita Falls](https://rateapi.dev/personal-loan-rates/texas/wichita-falls) [Beaumont](https://rateapi.dev/personal-loan-rates/texas/beaumont) [Midland](https://rateapi.dev/personal-loan-rates/texas/midland) [Odessa](https://rateapi.dev/personal-loan-rates/texas/odessa) [San Angelo](https://rateapi.dev/personal-loan-rates/texas/san-angelo) [Tyler](https://rateapi.dev/personal-loan-rates/texas/tyler) [Abilene](https://rateapi.dev/personal-loan-rates/texas/abilene) [Deer Park](https://rateapi.dev/personal-loan-rates/texas/deer-park) [Lufkin](https://rateapi.dev/personal-loan-rates/texas/lufkin) [Big Spring](https://rateapi.dev/personal-loan-rates/texas/big-spring) [Irving](https://rateapi.dev/personal-loan-rates/texas/irving) [Laredo](https://rateapi.dev/personal-loan-rates/texas/laredo) [Longview](https://rateapi.dev/personal-loan-rates/texas/longview) [Palestine](https://rateapi.dev/personal-loan-rates/texas/palestine) [Pasadena](https://rateapi.dev/personal-loan-rates/texas/pasadena) [Sugar Land](https://rateapi.dev/personal-loan-rates/texas/sugar-land) [Temple](https://rateapi.dev/personal-loan-rates/texas/temple) [Victoria](https://rateapi.dev/personal-loan-rates/texas/victoria) [Bay City](https://rateapi.dev/personal-loan-rates/texas/bay-city) [Brownwood](https://rateapi.dev/personal-loan-rates/texas/brownwood) [Dumas](https://rateapi.dev/personal-loan-rates/texas/dumas) [Edna](https://rateapi.dev/personal-loan-rates/texas/edna) [Grand Prairie](https://rateapi.dev/personal-loan-rates/texas/grand-prairie) [Groves](https://rateapi.dev/personal-loan-rates/texas/groves) [Humble](https://rateapi.dev/personal-loan-rates/texas/humble) [Kerrville](https://rateapi.dev/personal-loan-rates/texas/kerrville) [Killeen](https://rateapi.dev/personal-loan-rates/texas/killeen) [La Porte](https://rateapi.dev/personal-loan-rates/texas/la-porte) [Lubbock](https://rateapi.dev/personal-loan-rates/texas/lubbock) [Mcallen](https://rateapi.dev/personal-loan-rates/texas/mcallen) [Pampa](https://rateapi.dev/personal-loan-rates/texas/pampa) [Paris](https://rateapi.dev/personal-loan-rates/texas/paris) [Plano](https://rateapi.dev/personal-loan-rates/texas/plano) [Port Arthur](https://rateapi.dev/personal-loan-rates/texas/port-arthur) [Richardson](https://rateapi.dev/personal-loan-rates/texas/richardson) [Rusk](https://rateapi.dev/personal-loan-rates/texas/rusk) [Wharton](https://rateapi.dev/personal-loan-rates/texas/wharton) [Garland](https://rateapi.dev/personal-loan-rates/texas/garland) [Brownsville](https://rateapi.dev/personal-loan-rates/texas/brownsville) [McKinney](https://rateapi.dev/personal-loan-rates/texas/mckinney) [Frisco](https://rateapi.dev/personal-loan-rates/texas/frisco) [Mesquite](https://rateapi.dev/personal-loan-rates/texas/mesquite) [Carrollton](https://rateapi.dev/personal-loan-rates/texas/carrollton) [Round Rock](https://rateapi.dev/personal-loan-rates/texas/round-rock) [Lewisville](https://rateapi.dev/personal-loan-rates/texas/lewisville) [College Station](https://rateapi.dev/personal-loan-rates/texas/college-station) [Pearland](https://rateapi.dev/personal-loan-rates/texas/pearland) [Allen](https://rateapi.dev/personal-loan-rates/texas/allen) [League City](https://rateapi.dev/personal-loan-rates/texas/league-city) [Edinburg](https://rateapi.dev/personal-loan-rates/texas/edinburg) [Baytown](https://rateapi.dev/personal-loan-rates/texas/baytown) ### Personal Loan Rates by State [Alabama](https://rateapi.dev/personal-loan-rates/alabama) [Alaska](https://rateapi.dev/personal-loan-rates/alaska) [Arizona](https://rateapi.dev/personal-loan-rates/arizona) [Arkansas](https://rateapi.dev/personal-loan-rates/arkansas) [California](https://rateapi.dev/personal-loan-rates/california) [Colorado](https://rateapi.dev/personal-loan-rates/colorado) [Connecticut](https://rateapi.dev/personal-loan-rates/connecticut) [Delaware](https://rateapi.dev/personal-loan-rates/delaware) [Florida](https://rateapi.dev/personal-loan-rates/florida) [Georgia](https://rateapi.dev/personal-loan-rates/georgia) [Hawaii](https://rateapi.dev/personal-loan-rates/hawaii) [Idaho](https://rateapi.dev/personal-loan-rates/idaho) [Illinois](https://rateapi.dev/personal-loan-rates/illinois) [Indiana](https://rateapi.dev/personal-loan-rates/indiana) [Iowa](https://rateapi.dev/personal-loan-rates/iowa) [Kansas](https://rateapi.dev/personal-loan-rates/kansas) [Kentucky](https://rateapi.dev/personal-loan-rates/kentucky) [Louisiana](https://rateapi.dev/personal-loan-rates/louisiana) [Maine](https://rateapi.dev/personal-loan-rates/maine) [Maryland](https://rateapi.dev/personal-loan-rates/maryland) [Massachusetts](https://rateapi.dev/personal-loan-rates/massachusetts) [Michigan](https://rateapi.dev/personal-loan-rates/michigan) [Minnesota](https://rateapi.dev/personal-loan-rates/minnesota) [Mississippi](https://rateapi.dev/personal-loan-rates/mississippi) [Missouri](https://rateapi.dev/personal-loan-rates/missouri) [Montana](https://rateapi.dev/personal-loan-rates/montana) [Nebraska](https://rateapi.dev/personal-loan-rates/nebraska) [Nevada](https://rateapi.dev/personal-loan-rates/nevada) [New Hampshire](https://rateapi.dev/personal-loan-rates/new-hampshire) [New Jersey](https://rateapi.dev/personal-loan-rates/new-jersey) [New Mexico](https://rateapi.dev/personal-loan-rates/new-mexico) [New York](https://rateapi.dev/personal-loan-rates/new-york) [North Carolina](https://rateapi.dev/personal-loan-rates/north-carolina) [North Dakota](https://rateapi.dev/personal-loan-rates/north-dakota) [Ohio](https://rateapi.dev/personal-loan-rates/ohio) [Oklahoma](https://rateapi.dev/personal-loan-rates/oklahoma) [Oregon](https://rateapi.dev/personal-loan-rates/oregon) [Pennsylvania](https://rateapi.dev/personal-loan-rates/pennsylvania) [Rhode Island](https://rateapi.dev/personal-loan-rates/rhode-island) [South Carolina](https://rateapi.dev/personal-loan-rates/south-carolina) [South Dakota](https://rateapi.dev/personal-loan-rates/south-dakota) [Tennessee](https://rateapi.dev/personal-loan-rates/tennessee) [Texas](https://rateapi.dev/personal-loan-rates/texas) [Utah](https://rateapi.dev/personal-loan-rates/utah) [Vermont](https://rateapi.dev/personal-loan-rates/vermont) [Virginia](https://rateapi.dev/personal-loan-rates/virginia) [Washington](https://rateapi.dev/personal-loan-rates/washington) [West Virginia](https://rateapi.dev/personal-loan-rates/west-virginia) [Wisconsin](https://rateapi.dev/personal-loan-rates/wisconsin) [Wyoming](https://rateapi.dev/personal-loan-rates/wyoming) [District of Columbia](https://rateapi.dev/personal-loan-rates/district-of-columbia) National context ## National personal loan rate context Zoom out from state-level data to the national picture and our cross-product benchmark. 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