Personal Loans · Bay City, Texas
2 credit unions in Bay City report personal loan rates to the NCUA. Rates range from 6.75% to 9.95%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
6.75%
Lowest Rate
8.35%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | MATAGORDA COUNTY ★ 4.4 · 8 reviews | 6.75% | 8.50% |
| 2 | BAYCEL ★ 4.6 · 21 reviews | 9.95% | 9.90% |
If you have high-rate credit card balances, a personal loan from a Bay 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.