Personal Loans · Key West, Florida
3 credit unions in Key West report personal loan rates to the NCUA. Rates range from 11.36% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
11.36%
Lowest Rate
14.45%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | SOUTHERNMOST ★ 4.4 · 7 reviews | 11.36% | 15.90% |
| 2 | KEYS ★ 4.2 · 294 reviews | 14.00% | 14.00% |
| 3 | MONROE COUNTY TEACHERS | 18.00% | — |
If you have high-rate credit card balances, a personal loan from a Key West 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.