Personal Loans · Des Moines, Iowa
8 credit unions in Des Moines report personal loan rates to the NCUA. Rates range from 9.99% to 15.00%.
Updated Q1 2026 · NCUA Call Report data
8
CUs Reporting Rates
9.99%
Lowest Rate
12.23%
City Average Rate
8 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | CAPITOL VIEW ★ 5.0 · 102 reviews | 9.99% | 10.50% |
| 2 | AFFINITY ★ 4.8 · 1,669 reviews | 10.72% | 8.30% |
| 3 | SERVE ★ 4.0 · 31 reviews | 11.19% | 8.90% |
| 4 | PREMIER ★ 4.5 · 131 reviews | 11.59% | 10.57% |
| 5 | DES MOINES METRO ★ 3.7 · 48 reviews | 11.99% | 9.90% |
| 6 | JOURNEY ★ 4.6 · 100 reviews | 12.64% | 10.90% |
| 7 | POLK COUNTY ★ 5.0 · 1 reviews | 14.75% | — |
| 8 | DES MOINES FIRE DEPARTMENT | 15.00% | — |
If you have high-rate credit card balances, a personal loan from a Des Moines 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.