Personal Loans · Johnson City, Tennessee
3 credit unions in Johnson City report personal loan rates to the NCUA. Rates range from 9.99% to 13.63%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
9.99%
Lowest Rate
11.20%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | SELECT SEVEN ★ 3.3 · 32 reviews | 9.99% | 9.90% |
| 2 | GREATER EXPERIENCE ★ 3.8 · 16 reviews | 9.99% | 12.90% |
| 3 | BEACON FINANCIAL ★ 5.0 · 5 reviews | 13.63% | — |
If you have high-rate credit card balances, a personal loan from a Johnson City 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.