Personal Loans · El Monte, California
3 credit unions in El Monte report personal loan rates to the NCUA. Rates range from 12.99% to 14.03%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
12.99%
Lowest Rate
13.67%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | EL MONTE COMMUNITY ★ 3.5 · 19 reviews | 12.99% | 10.90% |
| 2 | RIZE ★ 4.8 · 930 reviews | 14.00% | 18.00% |
| 3 | CERTIFIED ★ 4.3 · 88 reviews | 14.03% | 11.77% |
If you have high-rate credit card balances, a personal loan from a El Monte 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.