Personal Loans · Saint Paul, Minnesota
7 credit unions in Saint Paul report personal loan rates to the NCUA. Rates range from 7.49% to 12.50%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
7.49%
Lowest Rate
10.79%
City Average Rate
7 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | AFFINITY PLUS ★ 3.4 · 134 reviews | 7.49% | 18.00% |
| 2 | METROPOLITAN SERVICES ★ 5.0 · 108 reviews | 9.49% | — |
| 3 | CITY & COUNTY ★ 3.7 · 136 reviews | 10.49% | 14.50% |
| 4 | CARPENTERS ★ 3.5 · 136 reviews | 10.53% | 9.90% |
| 5 | ST. PAUL ★ 4.6 · 535 reviews | 12.50% | 10.90% |
| 6 | FARM CREDIT EMPLOYEES ★ 5.0 · 3 reviews | 12.50% | — |
| 7 | CATHOLIC UNITED FINANCIAL ★ 4.4 · 25 reviews | 12.50% | — |
If you have high-rate credit card balances, a personal loan from a Saint Paul 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.