--- title: "Washington Credit Union Personal Loan Rates" description: "35 Washington credit unions compared, October 2026: unsecured personal loans from 3.25% APR at Spokane Teachers. Verified from real credit union rate sheets — no paid ranking, no affiliate links." canonical: "https://rateapi.dev/personal-loan-rates/washington" last-updated: "2026-10-09" source: "https://rateapi.dev/llms.txt" --- # Washington Credit Union Personal Loan Rates Compare personal loan rates from credit unions in Washington. Today's best rate: 3.25% APR at Spokane Teachers. Great for debt consolidation, home improvement, and major purchases. Updated October 2026 50 Credit Unions [Home](https://rateapi.dev/) / [Personal Loan Rates](https://rateapi.dev/personal-loan-rates) / Washington 3.25% Lowest APR Spokane Teachers 9.90% Median APR 22.99% Highest APR 35 Institutions Washington personal loan rates range from 3.25% to 22.99% APR. Data from 50 credit unions, updated October 2026. > Source: [RateAPI.dev](https://rateapi.dev/personal-loan-rates/washington) ## Top Washington Credit Unions for Personal Loans Ranked by lowest APR. Based on a $15,000 loan over 48 months. The lowest personal loan APR in Washington is 3.25% (median 9.90%), drawn from 35 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 | | Lower Columbia Longshoremen Credit Union Share-Secured Loan | 2.1% | 2.1% | $326/mo | [Visit Site](https://www.lclfcu.org/) | Spokane Firefighters Credit Union Share-Secured Loan | 2.5% | 2.5% | $329/mo | [Visit Site](https://www.firecu.net/) | Responders Emergency Services Credit Union Share-Secured Loan | 2.5% | 2.5% | $329/mo | [Visit Site](https://www.myrescu.org/) | Hapo Community Credit Union Secured Loans (Certificates, Share Accounts, Money Market Accounts) | 3% | 3% | $332/mo | [Visit Site](https://www.hapo.org/) | Calcoe Credit Union Type CD Secured | 3.295% | 3.295% | $334/mo | [Visit Site](https://calcoefcu.com/) | ## How to Get the Best Personal Loan Rate in Washington Personal loans from credit unions in Washington 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 [Idaho](https://rateapi.dev/personal-loan-rates/idaho) [Oregon](https://rateapi.dev/personal-loan-rates/oregon) ### Other Loan Products in Washington [Washington Credit Unions](https://rateapi.dev/credit-unions/washington) [First-Mortgage Rates in Washington](https://rateapi.dev/mortgage-rates/washington) [Washington Auto Loan Rates](https://rateapi.dev/auto-loan-rates/washington) [Washington HELOC Rates](https://rateapi.dev/heloc-rates/washington) [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 Washington As of October 2026, personal loan rates in Washington range from 3.25% to 22.99% APR across credit unions. Rates depend on credit score, loan amount, and term length. What are the current personal loan rates in Washington? Personal loans in Washington 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 Washington? Credit unions in Washington 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 Washington? For the best personal loan rates in Washington, 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 Washington? Most Washington 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 Washington to get a personal loan? Yes. Debt consolidation is one of the most common uses for credit union personal loans in Washington. 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 Washington? ### Personal Loan Rates by City in Washington [Seattle](https://rateapi.dev/personal-loan-rates/washington/seattle) [Spokane](https://rateapi.dev/personal-loan-rates/washington/spokane) [Everett](https://rateapi.dev/personal-loan-rates/washington/everett) [Longview](https://rateapi.dev/personal-loan-rates/washington/longview) [Bellingham](https://rateapi.dev/personal-loan-rates/washington/bellingham) [Olympia](https://rateapi.dev/personal-loan-rates/washington/olympia) [Tacoma](https://rateapi.dev/personal-loan-rates/washington/tacoma) [Aberdeen](https://rateapi.dev/personal-loan-rates/washington/aberdeen) [Dupont](https://rateapi.dev/personal-loan-rates/washington/dupont) [Richland](https://rateapi.dev/personal-loan-rates/washington/richland) [Shelton](https://rateapi.dev/personal-loan-rates/washington/shelton) [Spokane Valley](https://rateapi.dev/personal-loan-rates/washington/spokane-valley) [Vancouver](https://rateapi.dev/personal-loan-rates/washington/vancouver) [Yakima](https://rateapi.dev/personal-loan-rates/washington/yakima) [Bellevue](https://rateapi.dev/personal-loan-rates/washington/bellevue) [Kent](https://rateapi.dev/personal-loan-rates/washington/kent) [Renton](https://rateapi.dev/personal-loan-rates/washington/renton) [Federal Way](https://rateapi.dev/personal-loan-rates/washington/federal-way) [Kennewick](https://rateapi.dev/personal-loan-rates/washington/kennewick) ### 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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