Personal Loans · Oakland, California
2 credit unions in Oakland report personal loan rates to the NCUA. Rates range from 9.50% to 11.10%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
9.50%
Lowest Rate
10.30%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | UTILITY DISTRICT | 9.50% | — |
| 2 | SEA WEST COAST GUARD ★ 3.5 · 15 reviews | 11.10% | 12.96% |
If you have high-rate credit card balances, a personal loan from a Oakland 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.