Personal Loans · Midland, Texas
5 credit unions in Midland report personal loan rates to the NCUA. Rates range from 11.43% to 14.25%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
11.43%
Lowest Rate
12.55%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | HERITAGE USA ★ 3.8 · 39 reviews | 11.43% | 10.56% |
| 2 | MEMBERS FINANCIAL ★ 3.7 · 30 reviews | 11.75% | 19.90% |
| 3 | MIDLAND MUNICIPAL EMPLOYEES ★ 5.0 · 1 reviews | 12.57% | — |
| 4 | MY COMMUNITY ★ 3.6 · 186 reviews | 12.74% | 12.25% |
| 5 | MTCU ★ 4.7 · 198 reviews | 14.25% | 14.25% |
If you have high-rate credit card balances, a personal loan from a Midland 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.