Personal Loans · San Jose, California
9 credit unions in San Jose report personal loan rates to the NCUA. Rates range from 2.99% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
9
CUs Reporting Rates
2.99%
Lowest Rate
12.17%
City Average Rate
9 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | KEYPOINT ★ 4.6 · 78 reviews | 2.99% | 15.99% |
| 2 | PREMIER ONE ★ 4.0 · 26 reviews | 7.74% | 12.90% |
| 3 | F3 ★ 4.2 · 41 reviews | 10.75% | 10.49% |
| 4 | COMMONWEALTH CENTRAL ★ 3.7 · 61 reviews | 11.24% | 13.40% |
| 5 | EXCITE ★ 3.5 · 54 reviews | 12.63% | 15.14% |
| 6 | TECHNOLOGY ★ 3.3 · 43 reviews | 13.75% | 13.40% |
| 7 | MERIWEST ★ 4.7 · 427 reviews | 14.46% | — |
| 8 | MIRASTAR ★ 5.0 · 24 reviews | 17.99% | 14.49% |
| 9 | FIRST TECHNOLOGY ★ 4.0 · 302 reviews | 18.00% | 13.00% |
If you have high-rate credit card balances, a personal loan from a San Jose 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.