Personal Loans · Oak Ridge, Tennessee
4 credit unions in Oak Ridge report personal loan rates to the NCUA. Rates range from 10.99% to 13.75%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
10.99%
Lowest Rate
12.18%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | ORNL ★ 2.9 · 107 reviews | 10.99% | 13.49% |
| 2 | ENRICHMENT ★ 4.9 · 379 reviews | 11.50% | 13.25% |
| 3 | Y-12 ★ 4.8 · 3,570 reviews | 12.49% | 14.99% |
| 4 | TENNESSEE MEMBERS 1ST ★ 3.8 · 22 reviews | 13.75% | — |
If you have high-rate credit card balances, a personal loan from a Oak Ridge 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.