Personal Loans · Dayton, Ohio
6 credit unions in Dayton report personal loan rates to the NCUA. Rates range from 6.00% to 12.11%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
6.00%
Lowest Rate
9.37%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | DAY-MET ★ 4.4 · 358 reviews | 6.00% | 14.04% |
| 2 | FIREFIGHTERS & COMPANY ★ 4.7 · 72 reviews | 6.50% | 7.99% |
| 3 | WRIGHT-DUNBAR AREA ★ 5.0 · 1 reviews | 8.83% | — |
| 4 | CODE ★ 4.0 · 82 reviews | 10.99% | 12.73% |
| 5 | UNIVERSAL 1 ★ 3.8 · 64 reviews | 11.79% | 10.99% |
| 6 | KH CREDIT UNION, INC. ★ 3.9 · 18 reviews | 12.11% | 8.83% |
If you have high-rate credit card balances, a personal loan from a Dayton 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.