Personal Loans · Watertown, South Dakota
2 credit unions in Watertown report personal loan rates to the NCUA. Rates range from 11.36% to 12.22%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
11.36%
Lowest Rate
11.79%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | SIOUX VALLEY COOP ★ 5.0 · 3 reviews | 11.36% | — |
| 2 | AVANTI ★ 3.8 · 29 reviews | 12.22% | 11.00% |
If you have high-rate credit card balances, a personal loan from a Watertown 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.