Can anyone join a credit union in Washington for a personal loan?

Most community credit unions in Washington accept anyone who lives, works, or worships in their service area. Once you join (often with a $5 savings deposit), you can apply for a personal loan.

Can I use a credit union personal loan to consolidate debt?

Yes. Many people use credit union personal loans to consolidate high-rate credit card balances into a single lower-rate payment. The key is not to run up the cards again after paying them off.

Personal Loans · Washington

Best Credit Union Personal Loan Rates in Washington

74 credit unions in Washington report personal loan rates to the NCUA. Rates range from 5.32% to 28.00%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

5.32%

Lowest Rate

11.94%

State Average Rate

Cities Covered

Personal Loan Rates — Washington

74 credit unions with reported rates, sorted by APR

#	Credit Union	Personal Loan APR	Credit Card APR
1	NUMERICA Spokane Valley	5.32%	12.70%
2	CASCADE Kent	6.35%	11.40%
3	STRAIT VIEW PORT ANGELES	7.93%	11.75%
4	OUR COMMUNITY Shelton	8.49%	11.50%
5	MT. RAINIER Puyallup	8.49%	13.24%
6	SALAL Seattle	8.52%	13.75%
7	IBEW 76 TACOMA	9.00%	9.00%
8	SPOKANE FIREFIGHTERS Spokane	9.04%	5.93%
9	RED CANOE LONGVIEW	9.07%	14.13%
10	AMERICAN LAKE Lakewood	9.49%	9.99%
11	NORTHWEST PLUS Everett	9.50%	—
12	MOUNTAINCREST Arlington	9.50%	13.31%
13	WATERFRONT Seattle	9.74%	2.97%
14	COMMUNITY HEALTHCARE Everett	9.99%	8.99%
15	BOEING EMPLOYEES TUKWILA	9.99%	12.49%
16	INDUSTRIAL CU OF WHATCOM COUNTY Bellingham	10.00%	13.90%
17	CALCOE YAKIMA	10.04%	11.78%
18	RESPONDERS EMERGENCY SERVICES SPOKANE	10.13%	9.30%
19	HARBORSTONE TACOMA	10.24%	14.40%
20	PENINSULA COMMUNITY SHELTON	10.24%	11.36%
21	WASHINGTON STATE EMPLOYEES OLYMPIA	10.24%	18.75%
22	COLUMBIA COMMUNITY VANCOUVER	10.25%	14.25%
23	SPOKANE MEDIA Spokane	10.45%	12.90%
24	GREAT NORTHWEST Aberdeen	10.49%	9.90%
25	GESA RICHLAND	10.50%	12.49%
26	HAPO COMMUNITY Richland	10.97%	14.01%
27	AVISTA CORP. Spokane	10.99%	11.49%
28	PEOPLE'S COMMUNITY VANCOUVER	11.00%	11.74%
29	ALASKA AIR GROUP SEATAC	11.05%	—
30	SPOKANE CITY Spokane	11.13%	9.20%
31	CANOPY SPOKANE	11.49%	9.90%
32	TAPCO Fircrest	11.49%	14.49%
33	SNO FALLS North Bend	11.50%	12.90%
34	CHENEY CHENEY	11.50%	7.25%
35	PUD LONGVIEW	11.72%	9.90%
36	PRIMESOURCE Spokane	11.75%	9.90%
37	SOLARITY Yakima	11.80%	9.80%
38	SAFEWAY Spokane	11.89%	9.90%
39	HORIZON Spokane Valley	11.90%	12.40%
40	LOWER COLUMBIA LONGSHOREMEN LONGVIEW	12.00%	9.90%
41	TACOMA LONGSHOREMEN Tacoma	12.00%	—
42	WHATCOM EDUCATIONAL Bellingham	12.00%	12.90%
43	UTILITY EMPLOYEES ABERDEEN	12.00%	—
44	MILL TOWN EVERETT	12.00%	9.50%
45	TRI-CITIES COMMUNITY Kennewick	12.00%	10.90%
46	NORTH COAST Bellingham	12.00%	13.99%
47	SOUND Tacoma	12.27%	17.55%
48	WESTEDGE BELLINGHAM	12.33%	9.50%
49	FIBRE LONGVIEW	12.49%	8.90%
50	PUGET SOUND REFINERY Anacortes	12.58%	—
51	NORDSTROM Everett	12.67%	10.98%
52	IQ Vancouver	12.74%	13.74%
53	PUGET SOUND COOPERATIVE Bellevue	12.74%	10.90%
54	BLUE MOUNTAIN COLLEGE PLACE	12.78%	11.34%
55	MINT VALLEY LONGVIEW	12.89%	13.31%
56	CONNECTION Silverdale	12.91%	10.17%
57	SNOCOPE Everett	13.00%	9.00%
58	LONGSHOREMEN'S LOCAL 4 Vancouver	13.04%	10.90%
59	KITSAP BREMERTON	13.49%	11.15%
60	LONGSHORE Hoquiam	13.50%	—
61	PROGRESSIONS Spokane	13.50%	12.49%
62	WHITE RIVER Enumclaw	13.70%	12.90%
63	EVERGREENDIRECT Tumwater	13.80%	12.00%
64	SPOKANE TEACHERS LIBERTY LAKE	14.30%	12.62%
65	GRANCO Ephrata	14.50%	—
66	EXPRESS Seattle	14.63%	16.01%
67	OLYMPIA Olympia	14.75%	11.99%
68	VERITY Seattle	15.74%	17.99%
69	PEAK OLYMPIA	16.00%	12.50%
70	QUALSTAR Bothell	16.07%	14.49%
71	AMERICA'S CREDIT UNION, A DuPont	17.00%	8.79%
72	SEATTLE METROPOLITAN Seattle	17.06%	14.55%
73	NEWRIZONS HOQUIAM	18.00%	13.00%
74	O BEE Lacey	28.00%	13.50%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Frequently Asked Questions

What can I use a credit union personal loan for?

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.

Can personal loan rates help me consolidate credit card debt in Washington?

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.

How are these rates determined?

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.

Debt Consolidation — Does It Make Sense?

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.

Share-Secured Loans

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.

Best Personal Loan Rates by City in Washington

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