Personal Loans · Phoenix, Arizona
9 credit unions in Phoenix report personal loan rates to the NCUA. Rates range from 9.23% to 17.71%.
Updated Q1 2026 · NCUA Call Report data
9
CUs Reporting Rates
9.23%
Lowest Rate
13.21%
City Average Rate
9 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | MARISOL ★ 4.0 · 163 reviews | 9.23% | 13.05% |
| 2 | COPPER STATE ★ 4.0 · 213 reviews | 11.50% | — |
| 3 | BANNER ★ 3.9 · 9 reviews | 11.97% | — |
| 4 | ALHAMBRA ★ 4.7 · 208 reviews | 12.00% | 11.99% |
| 5 | ONEAZ ★ 4.5 · 270 reviews | 12.75% | 14.49% |
| 6 | DESERT FINANCIAL ★ 3.7 · 152 reviews | 14.02% | — |
| 7 | ARIZONA CENTRAL ★ 2.4 · 61 reviews | 14.65% | 13.90% |
| 8 | ARIZONA FINANCIAL ★ 4.4 · 295 reviews | 15.02% | 12.91% |
| 9 | U-HAUL ★ 3.2 · 40 reviews | 17.71% | — |
If you have high-rate credit card balances, a personal loan from a Phoenix 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.