Personal Loans · Modesto, California
4 credit unions in Modesto report personal loan rates to the NCUA. Rates range from 8.99% to 15.75%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
8.99%
Lowest Rate
12.74%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | ORGANIZED LABOR ★ 4.4 · 11 reviews | 8.99% | 8.99% |
| 2 | VALLEY FIRST | 11.72% | 15.15% |
| 3 | MOCSE ★ 3.3 · 45 reviews | 14.50% | 17.90% |
| 4 | MODESTO'S FIRST ★ 4.2 · 20 reviews | 15.75% | 10.99% |
If you have high-rate credit card balances, a personal loan from a Modesto 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.