Personal Loans · Waco, Texas
10 credit unions in Waco report personal loan rates to the NCUA. Rates range from 9.75% to 18.05%.
Updated Q1 2026 · NCUA Call Report data
10
CUs Reporting Rates
9.75%
Lowest Rate
12.21%
City Average Rate
10 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | MEMBERS CHOICE OF CENTRAL TEXAS ★ 3.1 · 90 reviews | 9.75% | 9.25% |
| 2 | EDUCATORS ★ 3.7 · 48 reviews | 9.90% | 9.99% |
| 3 | HEART O' TEXAS ★ 3.7 · 66 reviews | 9.99% | — |
| 4 | 1ST UNIVERSITY ★ 4.9 · 185 reviews | 11.40% | 11.09% |
| 5 | LINKAGE ★ 4.8 · 39 reviews | 11.56% | 9.99% |
| 6 | GENCO ★ 4.7 · 518 reviews | 11.96% | 10.26% |
| 7 | WACO ★ 4.5 · 19 reviews | 12.00% | 12.50% |
| 8 | MCLENNAN COUNTY EMPLOYEES ★ 5.0 · 6 reviews | 13.50% | 7.54% |
| 9 | HIGHWAY DISTRICT 9 ★ 5.0 · 1 reviews | 14.00% | — |
| 10 | FIRST CENTRAL ★ 4.5 · 208 reviews | 18.05% | 14.44% |
If you have high-rate credit card balances, a personal loan from a Waco 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.