Personal Loans · Utah
51 credit unions in Utah report personal loan rates to the NCUA. Rates range from 8.50% to 23.76%.
Updated Q1 2026 · NCUA Call Report data
51
CUs Reporting Rates
8.50%
Lowest Rate
12.91%
State Average Rate
36
Cities Covered
51 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | UINTAH VERNAL | 8.50% | — |
| 2 | OREM CITY EMPLOYEES OREM | 8.59% | — |
| 3 | FLEXPAK Woods Cross | 8.71% | — |
| 4 | HI-LAND SALT LAKE CITY | 9.50% | 10.90% |
| 5 | C U P Provo | 9.63% | — |
| 6 | VAREX Salt Lake City | 9.96% | 10.90% |
| 7 | UTAH POWER Murray | 10.00% | 9.90% |
| 8 | PRESTO LEWISTON EMPLOYEES Lewiston | 10.00% | — |
| 9 | LOGAN MEDICAL LOGAN | 10.61% | — |
| 10 | NATIONAL J. A. C. L. Salt Lake City | 10.62% | 9.90% |
| 11 | S E A Richfield | 11.00% | — |
| 12 | VALLEY WIDE Vernal | 11.00% | — |
| 13 | JORDAN South Jordan | 11.02% | 10.77% |
| 14 | GIBBONS AND REED EMPLOYEES SALT LAKE CITY | 11.08% | — |
| 15 | AMERICAN UNITED West Jordan | 11.24% | 9.90% |
| 16 | ALPINE Orem | 11.25% | 12.50% |
| 17 | ASCENT OGDEN | 11.45% | 13.25% |
| 18 | NEW HEIGHTS Logan | 11.50% | — |
| 19 | SOUTH SANPETE Manti | 11.50% | — |
| 20 | RIDGELINE SALT LAKE CITY | 11.71% | 10.14% |
| 21 | NORTH SANPETE Fairview | 12.00% | — |
| 22 | KINGS PEAK Roosevelt | 12.04% | 8.24% |
| 23 | HORIZON UTAH Farmington | 12.24% | 9.90% |
| 24 | DESERET FIRST West Valley Cit | 12.39% | 10.90% |
| 25 | EDUCATION 1ST Ogden | 12.42% | 11.88% |
| 26 | CYPRUS West Jordan | 12.49% | 10.49% |
| 27 | PACIFIC HORIZON Springville | 12.75% | 13.90% |
| 28 | MILLARD COUNTY FILLMORE | 12.99% | 14.00% |
| 29 | LU 354 I B E W SALT LAKE CITY | 13.00% | 10.95% |
| 30 | MOUNTAIN AMERICA SANDY | 13.24% | 11.49% |
| 31 | UTAH COMMUNITY Provo | 13.37% | 18.00% |
| 32 | DEVILS SLIDE Morgan | 13.50% | — |
| 33 | MEMBERS FIRST Brigham City | 13.56% | 12.10% |
| 34 | UTAH HERITAGE Moroni | 13.69% | 12.85% |
| 35 | UTAH FIRST Salt Lake City | 13.75% | 11.90% |
| 36 | FIREFIGHTERS Draper | 13.90% | 9.90% |
| 37 | P & S Salt Lake City | 14.04% | 9.99% |
| 38 | FREEDOM Provo | 14.33% | 13.56% |
| 39 | DESERTVIEW Huntington | 14.50% | — |
| 40 | ELEVATE Brigham City | 14.75% | 11.25% |
| 41 | HOLLYFRONTIER EMPLOYEE'S Bountiful | 14.81% | — |
| 42 | NEPHI WESTERN EMPLOYEES Nephi | 15.00% | — |
| 43 | DESERT RIVERS Moab | 15.00% | 9.49% |
| 44 | HERCULES FIRST SALT LAKE CITY | 15.77% | 8.74% |
| 45 | WASATCH PEAKS OGDEN | 15.90% | 11.49% |
| 46 | GOLDENWEST Ogden | 15.90% | 11.49% |
| 47 | GRANITE Salt Lake City | 16.00% | 12.49% |
| 48 | AMERICA FIRST RIVERDALE | 16.49% | 14.99% |
| 49 | CANYON VIEW Salt Lake City | 17.99% | 12.49% |
| 50 | EASTERN UTAH COMMUNITY Price | 18.00% | 12.49% |
| 51 | SAN JUAN BLANDING | 23.76% | — |
Personal loans from credit unions are commonly used for debt consolidation, home improvements, medical bills, or major purchases. Unlike auto loans, they're unsecured — no collateral required — which is why rates are slightly higher than car loans.
Yes. If you have credit card balances at 20–25% APR, replacing them with a credit union personal loan at a lower rate can save hundreds or thousands in interest. The key is to not run up the cards again after paying them off.
These rates come from NCUA Call Report (5300) filings — quarterly financial reports that all federally insured credit unions must submit. They reflect each CU's weighted-average rate on outstanding unsecured personal loans, not a minimum advertised rate.
A $10,000 balance at 24% APR paying $250/month costs ~$2,800 in interest. At 12% APR, the same payment saves over $1,500. Run the numbers before committing.
Many credit unions offer loans secured by your own savings at very low rates — useful for building or rebuilding credit history. Ask specifically if you're in credit-building mode.
See all credit unions by city, filter by rates, and check Google ratings.