Personal Loans · District of Columbia
28 credit unions in District of Columbia report personal loan rates to the NCUA. Rates range from 7.00% to 15.00%.
Updated Q1 2026 · NCUA Call Report data
28
CUs Reporting Rates
7.00%
Lowest Rate
10.87%
State Average Rate
2
Cities Covered
28 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | PMI EMPLOYEES Washington | 7.00% | — |
| 2 | GSA Washington | 7.49% | 11.88% |
| 3 | GOVERNMENT PRINTING OFFICE Washington | 7.75% | 9.90% |
| 4 | MT GILEAD WASHINGTON | 8.00% | — |
| 5 | BANK FUND STAFF WASHINGTON | 8.20% | 14.99% |
| 6 | DEPARTMENT OF COMMERCE Washington | 8.91% | 11.09% |
| 7 | MT. AIRY BAPTIST CHURCH Washington | 8.98% | — |
| 8 | DEPARTMENT OF THE INTERIOR Washington | 9.25% | 11.00% |
| 9 | GEORGETOWN UNIVERSITY ALUMNI AND ST Washington | 9.35% | — |
| 10 | IDB GLOBAL WASHINGTON | 9.75% | 10.75% |
| 11 | SARGENT WASHINGTON | 9.90% | — |
| 12 | HUD WASHINGTON | 10.00% | 6.99% |
| 13 | LIBRARY OF CONGRESS Washington | 10.75% | 9.75% |
| 14 | AFL CIO EMPLOYEES Washington | 10.76% | — |
| 15 | DISTRICT OF COLUMBIA TEACHERS Washington | 11.44% | 13.50% |
| 16 | WRIGHT PATMAN CONGRESSIONAL WASHINGTON | 11.49% | 18.00% |
| 17 | ADVANTAGE FINANCIAL WASHINGTON | 11.49% | 10.24% |
| 18 | TREASURY DEPARTMENT WASHINGTON | 11.52% | 11.50% |
| 19 | PARAMOUNT BAPTIST CHURCH Washington | 12.00% | — |
| 20 | JOHN WESLEY AME ZION CHURCH WASHINGTON | 12.00% | — |
| 21 | PEPCO WASHINGTON | 12.50% | 9.99% |
| 22 | EP Washington | 12.95% | 11.53% |
| 23 | DEPT OF LABOR WASHINGTON | 13.11% | 11.76% |
| 24 | PHI BETA SIGMA Washington | 13.47% | — |
| 25 | DC Washington | 13.71% | 13.09% |
| 26 | O.A.S. STAFF Washington | 13.75% | 12.75% |
| 27 | F R B Washington | 13.93% | 9.44% |
| 28 | D C FIRE DEPARTMENT WASHINGTON | 15.00% | — |
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.