Personal Loans · Santa Maria, California
2 credit unions in Santa Maria report personal loan rates to the NCUA. Rates range from 13.50% to 17.20%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
13.50%
Lowest Rate
15.35%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | SANTA MARIA ASSOCIATED EMPLOYEES ★ 5.0 · 2 reviews | 13.50% | — |
| 2 | COASTHILLS ★ 4.4 · 100 reviews | 17.20% | 12.70% |
If you have high-rate credit card balances, a personal loan from a Santa Maria 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.