Personal Loans · Alpena, Michigan
5 credit unions in Alpena report personal loan rates to the NCUA. Rates range from 8.49% to 10.50%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
8.49%
Lowest Rate
9.39%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | ALPENA COMMUNITY ★ 4.4 · 18 reviews | 8.49% | 10.00% |
| 2 | ALPENA-ALCONA AREA ★ 4.8 · 374 reviews | 8.95% | 12.96% |
| 3 | NORTHLAND AREA ★ 3.3 · 16 reviews | 8.99% | — |
| 4 | WOLVERINE STATE ★ 4.3 · 52 reviews | 10.00% | 12.96% |
| 5 | H.P.C. ★ 4.8 · 245 reviews | 10.50% | 11.00% |
If you have high-rate credit card balances, a personal loan from a Alpena 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.