Personal Loans · Carlsbad, New Mexico
4 credit unions in Carlsbad report personal loan rates to the NCUA. Rates range from 13.00% to 16.88%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
13.00%
Lowest Rate
14.57%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | INTERNATIONALITES ★ 4.4 · 19 reviews | 13.00% | — |
| 2 | U-1ST COMMUNITY ★ 4.2 · 10 reviews | 13.46% | 9.90% |
| 3 | EDDY ★ 4.1 · 28 reviews | 14.92% | 10.40% |
| 4 | FINANCIAL SECURITY ★ 3.5 · 23 reviews | 16.88% | 14.60% |
If you have high-rate credit card balances, a personal loan from a Carlsbad 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.