Personal Loans · Ridgeland, Mississippi
2 credit unions in Ridgeland report personal loan rates to the NCUA. Rates range from 12.00% to 12.99%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
12.00%
Lowest Rate
12.50%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | ECM ★ 5.0 · 3 reviews | 12.00% | 11.90% |
| 2 | BRIGHTVIEW ★ 3.9 · 14 reviews | 12.99% | 9.90% |
If you have high-rate credit card balances, a personal loan from a Ridgeland 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.