Personal Loans · Virginia
94 credit unions in Virginia report personal loan rates to the NCUA. Rates range from 5.99% to 18.50%.
Updated Q1 2026 · NCUA Call Report data
94
CUs Reporting Rates
5.99%
Lowest Rate
12.24%
State Average Rate
61
Cities Covered
94 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | FRONT ROYAL FRONT ROYAL | 5.99% | 9.99% |
| 2 | NORTHERN STAR CREDIT UNION, INC. Portsmouth | 7.48% | 13.08% |
| 3 | TRUENERGY SPRINGFIELD | 7.89% | 10.30% |
| 4 | BRISTOL VA SCHOOL SYSTEM Bristol | 7.90% | — |
| 5 | JUSTICE Chantilly | 7.99% | 11.90% |
| 6 | VIRGINIA Richmond | 8.00% | 16.00% |
| 7 | UNITED STATES SENATE Alexandria | 8.24% | 11.75% |
| 8 | MOUNT PLEASANT BAPTIST CHURCH ALEXANDRIA | 8.30% | — |
| 9 | BAYLANDS FAMILY WEST POINT | 8.52% | 8.61% |
| 10 | ST. ANN'S ARLINGTON ARLINGTON | 8.53% | — |
| 11 | PAHO/WHO Arlington | 8.75% | 13.75% |
| 12 | SALEM VA MEDICAL CENTER Salem | 9.25% | 13.50% |
| 13 | BRONCO FRANKLIN | 9.25% | 9.75% |
| 14 | INFIRST Alexandria | 9.42% | 10.55% |
| 15 | STATE DEPARTMENT ALEXANDRIA | 9.49% | 11.49% |
| 16 | VIRGINIA EDUCATORS CREDIT UNION Newport News | 9.49% | 11.99% |
| 17 | ROANOKE VALLEY COMMUNITY ROANOKE | 9.50% | 10.50% |
| 18 | BLUE EAGLE Roanoke | 9.71% | 9.79% |
| 19 | DEMOCRACY Alexandria | 9.78% | 13.44% |
| 20 | AGRICULTURE MERRIFIELD | 9.99% | 16.15% |
| 21 | VIRGINIA STATE UNIVERSITY South Chesterfi | 9.99% | — |
| 22 | HOPEWELL CHEMICAL Hopewell | 10.27% | 8.79% |
| 23 | CALL Richmond | 10.37% | 11.30% |
| 24 | UNIVERSITY OF VA COMMUNITY CU Charlottesville | 10.44% | 9.98% |
| 25 | ARLINGTON COMMUNITY Arlington | 10.49% | 15.00% |
| 26 | N A E Chesapeake | 10.50% | 8.99% |
| 27 | AUGUSTA HEALTH CARE CREDIT UNION FISHERSVILLE | 10.50% | — |
| 28 | G E A EMPLOYEES Pearisburg | 10.50% | — |
| 29 | HOMEBASE Prince George | 10.72% | 10.48% |
| 30 | CREDIT UNION OF RICHMOND INCORPORAT Richmond | 10.74% | 10.99% |
| 31 | CELCO COMMUNITY NARROWS | 10.77% | 9.90% |
| 32 | STRATEGIC Sterling | 10.90% | 11.90% |
| 33 | BEACH MUNICIPAL Virginia Beach | 10.95% | 12.49% |
| 34 | KRAFTSMAN Hopewell | 10.99% | — |
| 35 | RICHMOND HERITAGE Richmond | 10.99% | — |
| 36 | LYNCHBURG MUNICIPAL EMPLOYEES Lynchburg | 11.05% | 9.99% |
| 37 | YOGAVILLE Buckingham | 11.25% | — |
| 38 | KEMBA ROANOKE SALEM | 11.34% | 11.72% |
| 39 | HENRICO Henrico | 11.37% | 9.31% |
| 40 | PARK VIEW Harrisonburg | 11.40% | — |
| 41 | ARGENT CHESTERFIELD | 11.49% | 15.24% |
| 42 | VIRGINIA UNITED METHODIST North Chesterfi | 11.49% | 11.00% |
| 43 | CENTRAL VIRGINIA LYNCHBURG | 11.54% | 15.25% |
| 44 | SIGNATURE ALEXANDRIA | 11.60% | 13.25% |
| 45 | TOPSIDE DAHLGREN | 11.74% | 11.74% |
| 46 | PWC EMPLOYEES Woodbridge | 11.76% | 10.90% |
| 47 | RICHMOND VIRGINIA FIRE POLICE CREDI Richmond | 11.83% | 10.85% |
| 48 | NORTHWEST Herndon | 11.99% | 12.74% |
| 49 | IBEW LOCAL UNION 80 Norfolk | 12.00% | — |
| 50 | POLY SCIENTIFIC EMPLOYEES BLACKSBURG | 12.00% | — |
| 51 | SPECTRA ALEXANDRIA | 12.00% | — |
| 52 | HIGH STREET BAPTIST CHURCH Roanoke | 12.00% | — |
| 53 | CHARTWAY Virginia Beach | 12.24% | 15.49% |
| 54 | APPLE Fairfax | 12.24% | 13.37% |
| 55 | VALLEYSTAR Martinsville | 12.24% | 12.49% |
| 56 | FREEDOM FIRST Roanoke | 12.35% | 9.82% |
| 57 | PATENT AND TRADEMARK OFFICE ALEXANDRIA | 12.37% | 14.99% |
| 58 | LOUDOUN CREDIT UNION Leesburg | 12.49% | 8.16% |
| 59 | AUGUSTA COUNTY VERONA | 12.50% | — |
| 60 | URW COMMUNITY DANVILLE | 12.55% | 13.50% |
| 61 | CONNECTS Richmond | 12.55% | 8.49% |
| 62 | RVA FINANCIAL Richmond | 12.61% | 13.58% |
| 63 | COMMONWEALTH ONE ALEXANDRIA | 12.75% | 11.49% |
| 64 | VANTAGE POINT HOPEWELL | 12.90% | 11.99% |
| 65 | FIRST NRV Radford | 12.99% | 13.75% |
| 66 | MIDWAY BERRYVILLE | 13.00% | 11.50% |
| 67 | HAMPTON ROADS EDUC CREDIT UNION INC HAMPTON | 13.25% | 8.20% |
| 68 | ABNB Chesapeake | 13.45% | 12.00% |
| 69 | VA BEACH POSTAL Virginia Beach | 13.48% | 10.33% |
| 70 | DOMINION ENERGY CREDIT UNION North Chesterfi | 13.50% | 14.40% |
| 71 | BAYPORT NEWPORT NEWS | 13.87% | 11.49% |
| 72 | INLAND MOTOR EMPLOYEES Radford | 14.00% | — |
| 73 | JACKSON RIVER COMMUNITY Covington | 14.00% | 13.50% |
| 74 | PENTAGON MCLEAN | 14.65% | 17.99% |
| 75 | FIRST CARE Roanoke | 14.92% | — |
| 76 | HEALTHCARE SYSTEMS Falls Church | 15.00% | 12.50% |
| 77 | HALIFAX COUNTY COMMUNITY SOUTH BOSTON | 15.00% | — |
| 78 | BRUNSWICK COUNTY TEACHERS Lawrenceville | 15.00% | — |
| 79 | PLANTERS Suffolk | 15.00% | — |
| 80 | TRANSPORTATION Alexandria | 15.90% | 9.90% |
| 81 | MOSAIC Harrisonburg | 16.00% | 15.90% |
| 82 | PFD FIREFIGHTERS CREDIT UNION INC. Portsmouth | 16.00% | — |
| 83 | GLAMORGAN EMPLOYEES Lynchburg | 16.78% | — |
| 84 | NEWPORT NEWS MUN. EMP CREDIT UNION Newport News | 17.00% | 7.49% |
| 85 | SUMMIT HAMPTON ROADS Norfolk | 17.00% | 8.20% |
| 86 | PORT OF HAMPTON ROADS ILA NORFOLK | 17.00% | — |
| 87 | METROPOLITAN CHURCH SUFFOLK | 17.50% | — |
| 88 | 1ST ADVANTAGE Newport News | 17.95% | 11.25% |
| 89 | LANGLEY Newport News | 18.00% | 18.00% |
| 90 | DUPONT COMMUNITY Waynesboro | 18.00% | 12.49% |
| 91 | NORFOLK FIRE DEPARTMENT Norfolk | 18.00% | 12.00% |
| 92 | NAVY FEDERAL CREDIT UNION VIENNA | 18.00% | 18.00% |
| 93 | PEOPLES ADVANTAGE Petersburg | 18.00% | 15.95% |
| 94 | BEACON CREDIT UNION, INCORPORATED Lynchburg | 18.50% | 13.50% |
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.