Personal Loans · Gadsden, Alabama
2 credit unions in Gadsden report personal loan rates to the NCUA. Rates range from 9.99% to 14.00%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
9.99%
Lowest Rate
12.00%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | WINSOUTH | 9.99% | 9.90% |
| 2 | EMBLEM ★ 4.0 · 74 reviews | 14.00% | 11.00% |
If you have high-rate credit card balances, a personal loan from a Gadsden credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.