Personal Loans · Iowa
66 credit unions in Iowa report personal loan rates to the NCUA. Rates range from 4.82% to 20.00%.
Updated Q1 2026 · NCUA Call Report data
66
CUs Reporting Rates
4.82%
Lowest Rate
12.22%
State Average Rate
42
Cities Covered
66 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | DUBUQUE POSTAL EMPLOYEES DUBUQUE | 4.82% | — |
| 2 | IOWA HEARTLAND MASON CITY | 6.67% | — |
| 3 | SIOUX VALLEY COMMUNITY SIOUX CITY | 6.91% | 11.90% |
| 4 | FINANCIAL PLUS West Des Moines | 7.89% | 12.52% |
| 5 | FAMILY COMMUNITY Charles City | 8.89% | — |
| 6 | FORT DODGE FAMILY Fort Dodge | 9.00% | — |
| 7 | HOLY GHOST PARISH DUBUQUE | 9.00% | — |
| 8 | COLLINS COMMUNITY Cedar Rapids | 9.40% | 11.96% |
| 9 | MERIDIAN Ottumwa | 9.75% | 10.90% |
| 10 | CEDAR FALLS COMMUNITY Cedar Falls | 9.75% | 9.00% |
| 11 | AEGIS Clinton | 9.90% | 9.99% |
| 12 | 1ST GATEWAY Camanche | 9.98% | — |
| 13 | CAPITOL VIEW Des Moines | 9.99% | 10.50% |
| 14 | DU PONT EMPLOYEES Fort Madison | 10.00% | — |
| 15 | METCO Cedar Rapids | 10.49% | — |
| 16 | AFFINITY Des Moines | 10.72% | 8.30% |
| 17 | ADVANTAGE Newton | 10.90% | 16.00% |
| 18 | CITIZENS COMMUNITY Fort Dodge | 10.90% | 10.25% |
| 19 | THE FAMILY Davenport | 10.99% | 9.90% |
| 20 | 5 STAR COMMUNITY MOUNT PLEASANT | 11.00% | — |
| 21 | ACE Mason City | 11.00% | — |
| 22 | SERVE DES MOINES | 11.19% | 8.90% |
| 23 | RIVER VALLEY AMES | 11.29% | 10.50% |
| 24 | AIM Dubuque | 11.35% | 9.90% |
| 25 | MIDLAND URBANDALE | 11.39% | 9.90% |
| 26 | NORTH IOWA COMMUNITY MASON CITY | 11.48% | 10.99% |
| 27 | PREMIER Des Moines | 11.59% | 10.57% |
| 28 | UNITE Cedar Falls | 11.62% | 11.90% |
| 29 | TELCO TRIAD COMMUNITY Sioux City | 11.70% | 8.90% |
| 30 | QUAKER OATS CEDAR RAPIDS | 11.75% | 10.99% |
| 31 | EMPLOYEES Estherville | 11.84% | — |
| 32 | TEAMSTERS LOCAL #238 Cedar Rapids | 11.93% | — |
| 33 | PEOPLES Webster City | 11.99% | 13.24% |
| 34 | DES MOINES METRO Des Moines | 11.99% | 9.90% |
| 35 | ST. LUDMILA S Cedar Rapids | 12.00% | — |
| 36 | GREENSTATE North Liberty | 12.02% | 11.93% |
| 37 | FIRST CLASS COMMUNITY WEST DES MOINES | 12.06% | — |
| 38 | RIVER COMMUNITY Ottumwa | 12.25% | 11.90% |
| 39 | ST. ATHANASIUS JESUP | 12.50% | — |
| 40 | WATERLOO FIREMEN'S Waterloo | 12.50% | — |
| 41 | POWER CO-OP EMPLOYEES Humboldt | 12.52% | — |
| 42 | MEMBERS COMMUNITY Muscatine | 12.63% | — |
| 43 | JOURNEY Des Moines | 12.64% | 10.90% |
| 44 | DUTRAC COMMUNITY DUBUQUE | 12.79% | 11.49% |
| 45 | COMMUNITY CHOICE JOHNSTON | 13.14% | 17.49% |
| 46 | CORDA Cedar Rapids | 13.42% | 16.22% |
| 47 | MEMBERS1ST COMMUNITY Marshalltown | 13.48% | 8.84% |
| 48 | CENT Mason City | 13.50% | 10.00% |
| 49 | DUPACO COMMUNITY Dubuque | 13.89% | 12.50% |
| 50 | INDUSTRIAL EMPLOYEES Centerville | 14.00% | 10.00% |
| 51 | NORTH STAR COMMUNITY Cherokee | 14.10% | — |
| 52 | LENNOX EMPLOYEES Marshalltown | 14.15% | 9.90% |
| 53 | ALLEN HOSPITAL PERSONNEL Waterloo | 14.50% | — |
| 54 | NORTH WESTERN EMPLOYEES COUNCIL BLUFFS | 14.50% | — |
| 55 | POLK COUNTY DES MOINES | 14.75% | — |
| 56 | CASEBINE COMMUNITY Burlington | 14.79% | 17.04% |
| 57 | FIRST Hiawatha | 14.99% | 11.99% |
| 58 | GAS & ELECTRIC EMPLOYEES mason city | 15.00% | — |
| 59 | LEE COUNTY KEOKUK | 15.00% | — |
| 60 | BURLINGTON MUNICIPAL EMPLOYEES Burlington | 15.00% | — |
| 61 | DES MOINES FIRE DEPARTMENT DES MOINES | 15.00% | — |
| 62 | ASCENTRA Bettendorf | 15.86% | 8.68% |
| 63 | GREATER IOWA Ames | 16.40% | 10.62% |
| 64 | VERIDIAN Waterloo | 19.00% | 18.65% |
| 65 | COMMUNITY 1ST Ottumwa | 19.00% | 11.99% |
| 66 | S E C U KEOKUK | 20.00% | — |
Personal loans from credit unions are commonly used for debt consolidation, home improvements, medical bills, or major purchases. Unlike auto loans, they're unsecured — no collateral required — which is why rates are slightly higher than car loans.
Yes. If you have credit card balances at 20–25% APR, replacing them with a credit union personal loan at a lower rate can save hundreds or thousands in interest. The key is to not run up the cards again after paying them off.
These rates come from NCUA Call Report (5300) filings — quarterly financial reports that all federally insured credit unions must submit. They reflect each CU's weighted-average rate on outstanding unsecured personal loans, not a minimum advertised rate.
A $10,000 balance at 24% APR paying $250/month costs ~$2,800 in interest. At 12% APR, the same payment saves over $1,500. Run the numbers before committing.
Many credit unions offer loans secured by your own savings at very low rates — useful for building or rebuilding credit history. Ask specifically if you're in credit-building mode.
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