Personal Loans · Maryland
60 credit unions in Maryland report personal loan rates to the NCUA. Rates range from 6.00% to 18.95%.
Updated Q1 2026 · NCUA Call Report data
60
CUs Reporting Rates
6.00%
Lowest Rate
11.50%
State Average Rate
45
Cities Covered
60 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | CAPITAL AREA TAIWANESE Rockville | 6.00% | — |
| 2 | FIRST PEOPLES COMMUNITY CUMBERLAND | 6.50% | 8.98% |
| 3 | NONE SUFFER LACK SUITLAND | 6.99% | — |
| 4 | ANDREWS FEDERAL CREDIT UNION Suitland | 6.99% | 17.99% |
| 5 | FEDFINANCIAL Silver Spring | 7.15% | 10.49% |
| 6 | MASTERS, MATES & PILOTS (MM&P) Linthicum | 7.21% | — |
| 7 | FREEDOM OF MARYLAND Bel Air | 7.24% | 8.99% |
| 8 | PEAKE Towson | 7.90% | 8.90% |
| 9 | TOWER LAUREL | 7.99% | 10.74% |
| 10 | I B E W 26 LANHAM | 8.45% | 13.50% |
| 11 | LM BALTIMORE | 8.49% | 14.65% |
| 12 | POLICE UPPER MARLBORO | 8.67% | 9.82% |
| 13 | MNCPPC College Park | 9.04% | — |
| 14 | ABERDEEN PROVING GROUND ABERDEEN | 9.19% | 16.18% |
| 15 | POST OFFICE CU OF MD, INC. Baltimore | 9.55% | — |
| 16 | MT. JEZREEL Silver Spring | 9.90% | — |
| 17 | NASA Upper Marlboro | 9.99% | 12.90% |
| 18 | CHOPTANK ELECTRIC COOP EMPLOY Denton | 9.99% | — |
| 19 | CENSUS SUITLAND | 10.00% | — |
| 20 | WASHINGTON COUNTY TEACHERS HAGERSTOWN | 10.00% | — |
| 21 | LAFAYETTE ROCKVILLE | 10.37% | 15.45% |
| 22 | FERKO MD Frederick | 10.48% | 12.90% |
| 23 | WEPCO BLOOMINGTON | 10.55% | — |
| 24 | SKYPOINT GERMANTOWN | 10.64% | 13.74% |
| 25 | DESTINATIONS CREDIT UNION BALTIMORE | 10.69% | 9.50% |
| 26 | PRINCE GEORGE'S COMMUNITY Bowie | 10.73% | 10.65% |
| 27 | FIRST EAGLE Owings Mills | 10.99% | 13.80% |
| 28 | HOWARD COUNTY EDUCATION Ellicott City | 10.99% | — |
| 29 | MID-ATLANTIC Germantown | 11.00% | 13.75% |
| 30 | CEDAR POINT LEXINGTON PARK | 11.00% | 8.00% |
| 31 | APL Laurel | 11.00% | 10.49% |
| 32 | FEDCHOICE Lanham | 11.30% | 12.15% |
| 33 | FIVE STAR OF MARYLAND BALTIMORE | 11.67% | 10.01% |
| 34 | BULL DOG HAGERSTOWN | 11.68% | 13.00% |
| 35 | TRANSIT EMPLOYEES Greenbelt | 11.73% | 14.92% |
| 36 | THIOKOL ELKTON Elkton | 11.99% | 10.90% |
| 37 | KOREAN CATHOLIC Olney | 12.00% | — |
| 38 | HEMA SILVER SPRING | 12.00% | — |
| 39 | 1897 Salisbury | 12.00% | — |
| 40 | SECURITYPLUS Baltimore | 12.06% | 13.50% |
| 41 | ACT 1ST LaVale | 12.14% | — |
| 42 | JOHNS HOPKINS Baltimore | 12.16% | 9.89% |
| 43 | U S POSTAL SERVICE CLINTON | 12.26% | 13.96% |
| 44 | MUNICIPAL EMPL.CREDIT UNION OF BALT BALTIMORE | 12.49% | 1.99% |
| 45 | SIGNAL FINANCIAL Kensington | 12.70% | 13.25% |
| 46 | W S S C Laurel | 12.75% | 13.65% |
| 47 | HAR-CO BEL AIR | 12.99% | 9.45% |
| 48 | LOCAL 355 MD BALTIMORE | 14.00% | — |
| 49 | MONEY ONE LARGO | 14.16% | 16.87% |
| 50 | CHESSIE CUMBERLAND | 14.49% | 12.49% |
| 51 | STATE EMPLOYEES CU OF MARYLAND, INC LINTHICUM | 14.49% | 15.49% |
| 52 | EDUCATIONAL SYSTEMS Greenbelt | 14.99% | 6.75% |
| 53 | MVP POSTAL AND PRINTING GAITHERSBURG | 15.49% | — |
| 54 | BEE SALISBURY | 15.55% | — |
| 55 | CENTRAL CREDIT UNION OF MARYLAND,IN Baltimore | 16.88% | 12.65% |
| 56 | NYMEO FREDERICK | 17.50% | 9.15% |
| 57 | NATIONAL INSTITUTES OF HEALTH Rockville | 18.00% | 14.49% |
| 58 | MARKET USA LAUREL | 18.00% | 15.74% |
| 59 | FIRST FINANCIAL OF MARYLAND Sparks | 18.00% | 9.90% |
| 60 | POINT BREEZE Hunt Valley | 18.95% | 12.50% |
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.
See all credit unions by city, filter by rates, and check Google ratings.