Personal Loans · Columbia, Missouri
3 credit unions in Columbia report personal loan rates to the NCUA. Rates range from 11.17% to 13.48%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
11.17%
Lowest Rate
12.35%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | ACADEMIC EMPLOYEES ★ 4.7 · 15 reviews | 11.17% | 12.90% |
| 2 | COLUMBIA ★ 4.3 · 75 reviews | 12.40% | 11.99% |
| 3 | SHELTER INSURANCE ★ 4.8 · 4 reviews | 13.48% | — |
If you have high-rate credit card balances, a personal loan from a Columbia 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.