Personal Loans · Philadelphia, Pennsylvania
15 credit unions in Philadelphia report personal loan rates to the NCUA. Rates range from 8.62% to 15.65%.
Updated Q1 2026 · NCUA Call Report data
15
CUs Reporting Rates
8.62%
Lowest Rate
11.98%
City Average Rate
15 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | PHILADELPHIA ★ 3.8 · 59 reviews | 8.62% | — |
| 2 | TRANSIT WORKERS ★ 3.9 · 21 reviews | 9.19% | 9.90% |
| 3 | AMERICAN HERITAGE ★ 3.0 · 330 reviews | 9.74% | 9.99% |
| 4 | NEW LIFE ★ 5.0 · 1 reviews | 9.82% | — |
| 5 | PAPER CONVERTERS LOCAL 286/1034 ★ 4.4 · 18 reviews | 10.05% | — |
| 6 | MOUNT CARMEL BAPTIST ★ 4.8 · 72 reviews | 10.44% | — |
| 7 | ASBESTOS WORKERS LOCAL 14 ★ 3.0 · 2 reviews | 11.00% | — |
| 8 | NORTHWOOD ★ 5.0 · 1 reviews | 11.61% | — |
| 9 | HOLY TRINITY BAPTIST ★ 4.0 · 12 reviews | 12.00% | — |
| 10 | PENN ★ 3.7 · 26 reviews | 12.90% | 11.90% |
| 11 | UNIVERSITY OF PENNSYLVANIA STUDENTS ★ 3.7 · 18 reviews | 13.98% | — |
| 12 | M.A.B.C. ★ 3.7 · 27 reviews | 14.67% | — |
| 13 | S I PHILADELPHIA ★ 3.8 · 59 reviews | 15.00% | — |
| 14 | PINN MEMORIAL ★ 4.4 · 56 reviews | 15.00% | — |
| 15 | POLICE & FIRE ★ 3.7 · 372 reviews | 15.65% | 16.65% |
If you have high-rate credit card balances, a personal loan from a Philadelphia 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.