Personal Loans · Mississippi
55 credit unions in Mississippi report personal loan rates to the NCUA. Rates range from 2.80% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
55
CUs Reporting Rates
2.80%
Lowest Rate
12.85%
State Average Rate
33
Cities Covered
55 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | WATER'S EDGE Biloxi | 2.80% | — |
| 2 | MISSISSIPPI PUBLIC EMPLOYEES Jackson | 6.50% | 13.92% |
| 3 | CM MEMBERS Columbus | 7.00% | — |
| 4 | MUW Columbus | 7.90% | — |
| 5 | FIRST NESHOBA Philadelphia | 8.50% | 11.90% |
| 6 | N. MISSISSIPPI HEALTH SERVICES EMP. Tupelo | 8.90% | — |
| 7 | MEMORIAL GULFPORT | 9.56% | — |
| 8 | PEARL MUNICIPAL Pearl | 9.64% | — |
| 9 | MUTUAL Vicksburg | 9.99% | 10.75% |
| 10 | BILOXI TEACHERS Biloxi | 10.00% | — |
| 11 | HOPE JACKSON | 10.00% | 9.00% |
| 12 | MERIDIAN MISSISSIPPI ANG MERIDIAN | 10.00% | — |
| 13 | MISSISSIPPI NATIONAL GUARD JACKSON | 10.50% | 8.50% |
| 14 | TRIANGLE Columbus | 10.61% | 6.50% |
| 15 | GULF TRUST PASCAGOULA | 10.75% | — |
| 16 | KEESLER BILOXI | 11.08% | 14.54% |
| 17 | CAMP SHELBY Hattiesburg | 11.18% | — |
| 18 | MISSISSIPPI COLLEGE EMPLOYEES Clinton | 11.25% | — |
| 19 | NORTHEAST MISSISSIPPI Amory | 11.65% | — |
| 20 | SHELBY/BOLIVAR COUNTY BOYLE | 11.75% | — |
| 21 | NAVIGATOR Pascagoula | 11.99% | 11.99% |
| 22 | ECM RIDGELAND | 12.00% | 11.90% |
| 23 | AMPOT HAMILTON | 12.00% | — |
| 24 | ISSAQUENA COUNTY MAYERSVILLE | 12.00% | — |
| 25 | RIVERTRUST PEARL | 12.45% | — |
| 26 | STATEWIDE Flowood | 12.61% | 12.40% |
| 27 | 1ST MISSISSIPPI Meridian | 12.82% | — |
| 28 | BRIGHTVIEW RIDGELAND | 12.99% | 9.90% |
| 29 | TOMBIGBEE AMORY | 13.00% | — |
| 30 | MISSISSIPPI DHS JACKSON | 13.50% | 9.99% |
| 31 | VICKSWOOD Vicksburg | 13.50% | — |
| 32 | MERIDIAN POSTAL Meridian | 13.50% | — |
| 33 | MEMBERS EXCHANGE Jackson | 13.75% | 13.75% |
| 34 | CHOCTAW CHOCTAW | 14.00% | — |
| 35 | ONE SOUTH NATCHEZ | 14.04% | — |
| 36 | EAGLE EXPRESS JACKSON | 14.41% | 10.00% |
| 37 | PINE BELT Hattiesburg | 14.61% | — |
| 38 | FIRST UNITY McComb | 14.90% | — |
| 39 | CENTURYFIRST HATTIESBURG | 14.98% | 26.21% |
| 40 | MERIDIAN MUTUAL Meridian | 14.98% | 10.00% |
| 41 | TREASURY EMPLOYEES JACKSON | 15.00% | — |
| 42 | SOUTHERN COASTAL BILOXI | 15.00% | — |
| 43 | HEALTHPLUS JACKSON | 15.00% | 13.50% |
| 44 | SUNBELT Hattiesburg | 15.03% | 11.07% |
| 45 | CITIZENS CHOICE Natchez | 15.50% | — |
| 46 | JACKSON AREA Jackson | 16.00% | 8.90% |
| 47 | VICKSBURG RAILROAD Vicksburg | 16.00% | — |
| 48 | MISSISSIPPI HIGHWAY SAFTY PAT Jackson | 16.87% | 7.90% |
| 49 | FERGUSON Monticello | 17.49% | 11.99% |
| 50 | SINGING RIVER MOSS POINT | 17.49% | 10.99% |
| 51 | NATCHEZ EDUCATORS Natchez | 18.00% | — |
| 52 | GULF COAST COMMUNITY GULFPORT | 18.00% | — |
| 53 | MAGNOLIA Jackson | 18.00% | 14.00% |
| 54 | DELTA Greenville | 18.00% | — |
| 55 | COMMUNITY PARTNERS NEWTON | 18.00% | — |
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.