Personal Loans · Duluth, Minnesota
7 credit unions in Duluth report personal loan rates to the NCUA. Rates range from 9.64% to 13.13%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
9.64%
Lowest Rate
11.10%
City Average Rate
7 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | MINNESOTA POWER EMPLOYEES ★ 5.0 · 1 reviews | 9.64% | 8.55% |
| 2 | DULUTH FIRE DEPARTMENT ★ 5.0 · 1 reviews | 9.99% | — |
| 3 | DULUTH POLICE DEPARTMENT EMPLOYEES | 10.09% | — |
| 4 | MEMBERS COOPERATIVE ★ 3.3 · 86 reviews | 11.04% | 13.75% |
| 5 | HARBOR POINTE ★ 2.5 · 32 reviews | 11.23% | 14.25% |
| 6 | SHARE ADVANTAGE ★ 5.0 · 11 reviews | 12.59% | 19.29% |
| 7 | NORTHERN COMMUNITIES ★ 4.4 · 80 reviews | 13.13% | 11.13% |
If you have high-rate credit card balances, a personal loan from a Duluth 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.