Personal Loans · Kansas
61 credit unions in Kansas report personal loan rates to the NCUA. Rates range from 3.11% to 21.00%.
Updated Q1 2026 · NCUA Call Report data
61
CUs Reporting Rates
3.11%
Lowest Rate
12.74%
State Average Rate
41
Cities Covered
61 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | U S P L K EMPLOYEES LEAVENWORTH | 3.11% | — |
| 2 | MORTON South Hutchinso | 8.50% | — |
| 3 | SKYWARD Wichita | 8.99% | 13.00% |
| 4 | TOPEKA FIREMEN'S Topeka | 9.00% | — |
| 5 | WHEAT STATE Wichita | 9.22% | 11.40% |
| 6 | PANHANDLE Wellington | 9.46% | 9.99% |
| 7 | DILLON Hutchinson | 9.50% | — |
| 8 | HUTCHINSON POSTAL & COMMUNITY HUTCHINSON | 9.50% | 9.95% |
| 9 | EMPOWER BLUE TOPEKA | 9.75% | 10.25% |
| 10 | CO-OPERATIVE COFFEYVILLE | 9.90% | 12.90% |
| 11 | SM MISSION | 9.99% | — |
| 12 | CREDIT UNION OF EMPORIA EMPORIA | 10.58% | 14.45% |
| 13 | SUNFLOWER COMMUNITY Marysville | 10.75% | 8.50% |
| 14 | C & R Clay Center | 11.00% | — |
| 15 | KANSAS TEACHERS COMMUNITY Pittsburg | 11.00% | — |
| 16 | FARMWAY BELOIT | 11.00% | — |
| 17 | WHITE EAGLE Augusta | 11.17% | 9.45% |
| 18 | GARDEN CITY TEACHERS GARDEN CITY | 11.24% | — |
| 19 | CATHOLIC FAMILY Wichita | 11.50% | 9.90% |
| 20 | QUANTUM Wichita | 11.50% | 9.31% |
| 21 | ARK VALLEY Arkansas City | 11.71% | 13.00% |
| 22 | SUNFLOWER Valley Center | 12.00% | — |
| 23 | CATHOLICS UNITED HUTCHINSON | 12.00% | — |
| 24 | 1ST KANSAS Topeka | 12.00% | — |
| 25 | SALINA MUNICIPAL SALINA | 12.00% | — |
| 26 | MID PLAINS GLASCO | 12.00% | — |
| 27 | FRONTIER COMMUNITY Leavenworth | 12.09% | 10.87% |
| 28 | PEOPLES CHOICE Coffeyville | 12.30% | — |
| 29 | MAINSTREET Lenexa | 12.49% | 9.50% |
| 30 | MIDWEST REGIONAL Kansas City | 12.50% | 12.00% |
| 31 | MID AMERICAN Wichita | 12.54% | 10.89% |
| 32 | UNITED NORTHWEST NORTON | 12.59% | 10.99% |
| 33 | MCPHERSON CO-OP MCPHERSON | 12.72% | 12.99% |
| 34 | B&V OVERLAND PARK | 12.75% | 9.99% |
| 35 | ELLIS ELLIS | 12.90% | — |
| 36 | CREDIT UNION OF DODGE CITY Dodge City | 13.19% | 13.99% |
| 37 | COMMUNITYAMERICA Lenexa | 13.24% | 17.70% |
| 38 | WICHITA Wichita | 13.30% | 12.89% |
| 39 | CAMPUS Wichita | 13.52% | 13.05% |
| 40 | MID-KANSAS MOUNDRIDGE | 13.53% | 10.90% |
| 41 | EMPORIA STATE EMPORIA | 13.90% | 13.20% |
| 42 | K.U.M.C. Shawnee | 13.96% | 13.00% |
| 43 | TRI-COUNTY GRINNELL | 14.00% | — |
| 44 | K C K FIREMEN & POLICE KANSAS CITY | 14.00% | — |
| 45 | BELL HUTCHINSON | 14.03% | 10.90% |
| 46 | KANSAS STATE UNIVERSITY Manhattan | 14.23% | 11.90% |
| 47 | GOLDEN PLAINS Garden City | 14.90% | 11.90% |
| 48 | AZURA Topeka | 14.99% | 10.25% |
| 49 | CROSSROADS GOESSEL | 15.00% | — |
| 50 | EAGLE ATCHISON | 15.00% | — |
| 51 | CENTRAL KANSAS EDUCATION Salina | 15.00% | — |
| 52 | KC FAIRFAX KANSAS CITY | 15.36% | 15.30% |
| 53 | SALINA INTERPAROCHIAL SALINA | 15.37% | — |
| 54 | TOPEKA POLICE TOPEKA | 15.50% | — |
| 55 | RELIANCE Kansas City | 16.00% | 9.00% |
| 56 | CREDIT UNION OF AMERICA Wichita | 16.90% | 13.40% |
| 57 | HEARTLAND HUTCHINSON | 16.90% | 17.24% |
| 58 | ENVISTA Topeka | 16.95% | 11.95% |
| 59 | KAN COLO HOISINGTON | 17.83% | — |
| 60 | MAZUMA Overland Park | 18.40% | 9.90% |
| 61 | HUTCHINSON GOVERNMENT EMPLOYEES Hutchinson | 21.00% | 10.00% |
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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