Advertiser disclosure: some links on this page earn us a commission. It never changes
what we publish, and it costs you nothing.
How we make money
Credit union personal loans
Federal credit unions can’t charge more than 18% APR on most loans, which keeps their ceilings lower than many online lenders’. You need to become a member first, and each credit union sets who can join.
6 lenders. Rates and terms checked on each lender's website on October 16, 2026. For reference, the Federal Reserve's average 24-month personal loan rate at commercial banks was 11.90% (August 2026).
Every article is checked against primary sources: the Consumer Financial Protection
Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece
and say when.
How we make money
Some pages contain partner links that may earn us a commission. This never changes what we publish and costs you nothing. No lender pays for placement or for a
better review, and nobody outside our editorial team sees a piece before it runs.
What we are not
Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.