Personal Loans · Richardson, Texas
2 credit unions in Richardson report personal loan rates to the NCUA. Rates range from 9.99% to 13.45%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
9.99%
Lowest Rate
11.72%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | TEXANS ★ 4.7 · 733 reviews | 9.99% | 17.99% |
| 2 | LIFETIME ★ 3.1 · 13 reviews | 13.45% | 7.65% |
If you have high-rate credit card balances, a personal loan from a Richardson 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.