Personal Loans · Lowell, Massachusetts
5 credit unions in Lowell report personal loan rates to the NCUA. Rates range from 6.77% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
6.77%
Lowest Rate
11.22%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | LOWELL FIREFIGHTERS ★ 5.0 · 3 reviews | 6.77% | — |
| 2 | ALIGN ★ 4.6 · 100 reviews | 9.14% | 12.88% |
| 3 | LOWELL MUNICIPAL EMPLOYEES ★ 4.0 · 4 reviews | 10.17% | — |
| 4 | MILLS42 ★ 4.9 · 198 reviews | 12.00% | 9.90% |
| 5 | JEANNE D'ARC ★ 2.7 · 82 reviews | 18.00% | 15.99% |
If you have high-rate credit card balances, a personal loan from a Lowell 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.