Personal Loans · West Virginia
74 credit unions in West Virginia report personal loan rates to the NCUA. Rates range from 7.30% to 16.99%.
Updated Q1 2026 · NCUA Call Report data
74
CUs Reporting Rates
7.30%
Lowest Rate
11.69%
State Average Rate
42
Cities Covered
74 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | W. VIRGINIA STATE CONVENTION Hilltop | 7.30% | — |
| 2 | PACE Huntington | 8.50% | 11.90% |
| 3 | WV NATIONAL GUARD CHARLESTON | 8.55% | — |
| 4 | FIRST PRIORITY Huntington | 8.74% | 10.95% |
| 5 | EASTERN PANHANDLE Martinsburg | 8.98% | 11.70% |
| 6 | MARTINSBURG V.A. CENTER KEARNEYSVILLE | 9.00% | 9.00% |
| 7 | LOCAL NO. 317 I.A.F.F. Charleston | 9.00% | — |
| 8 | BERKELEY COUNTY PUBLIC SCHOOLS Martinsburg | 9.00% | — |
| 9 | HUNTINGTON WEST VA FIREMENS Huntington | 9.00% | — |
| 10 | HUNTINGTON C & O RAILWAY EMPLOYEES Huntington | 9.25% | 9.25% |
| 11 | WEST VIRGINIA CENTRAL Parkersburg | 9.30% | — |
| 12 | 167TH TFR Martinsburg | 9.50% | 7.99% |
| 13 | PEOPLES Nitro | 9.59% | — |
| 14 | MARSHALL COUNTY Moundsville | 9.67% | — |
| 15 | LONG REACH Middlebourne | 9.84% | 10.90% |
| 16 | UNITED HOSPITAL CENTER Bridgeport | 10.00% | — |
| 17 | U S EMPLOYEES Fairmont | 10.00% | — |
| 18 | THE STATE CHARLESTON | 10.00% | 15.00% |
| 19 | NATRIUM EMPLOYEES Proctor | 10.00% | 9.90% |
| 20 | C C M H Parkersburg | 10.00% | — |
| 21 | HOPE Bridgeport | 10.00% | — |
| 22 | HARRISON COUNTY Nutter Fort | 10.00% | — |
| 23 | CITY OF FAIRMONT Fairmont | 10.00% | — |
| 24 | TEAMSTERS LOCAL 697 Wheeling | 10.50% | — |
| 25 | CITY OF CLARKSBURG CLARKSBURG | 10.75% | — |
| 26 | ONE COMMUNITY Parkersburg | 10.80% | — |
| 27 | STRIP STEEL COMMUNITY WEIRTON | 11.00% | 12.00% |
| 28 | METRO COMMUNITY Huntington | 11.27% | 12.99% |
| 29 | WEST VIRGINIA South Charlesto | 11.41% | — |
| 30 | NATIONAL EMPLOYEES BLUEFIELD | 11.50% | — |
| 31 | MARION COUNTY SCHOOL EMPLOYEES Fairmont | 11.50% | — |
| 32 | UNIVERSAL Huntington | 11.54% | — |
| 33 | THE UNITED Morgantown | 11.70% | — |
| 34 | ROMNEY ROMNEY | 11.74% | — |
| 35 | MOUNTAIN HERITAGE PARKERSBURG | 11.75% | 12.50% |
| 36 | FIRST CHOICE AMERICA COMMUNITY Weirton | 11.81% | 14.80% |
| 37 | RAVENSWOOD RAVENSWOOD | 11.97% | 9.90% |
| 38 | RALEIGH CO. EDUCATORS BECKLEY | 12.00% | — |
| 39 | CHARLESTON CHARLESTON | 12.00% | — |
| 40 | MERCER COUNTY W VA TEACHERS Bluefield | 12.00% | — |
| 41 | PUTNAM SCHOOL EMPLOYEES ELEANOR | 12.00% | — |
| 42 | CHHE Huntington | 12.12% | — |
| 43 | WEE Parkersburg | 12.16% | — |
| 44 | PIONEER APPALACHIA Charleston | 12.18% | 11.36% |
| 45 | MEMBERS CHOICE WV Charleston | 12.23% | 9.99% |
| 46 | FAYETTE MOUNT HOPE | 12.25% | — |
| 47 | BAYER HERITAGE New Martinsvill | 12.25% | 9.25% |
| 48 | WVU EMPLOYEES Morgantown | 12.26% | 9.99% |
| 49 | CAMC Charleston | 12.27% | — |
| 50 | UNION TRADES Parkersburg | 12.35% | 12.06% |
| 51 | HOME Clarksburg | 12.39% | 12.90% |
| 52 | ALLOY Alloy | 12.42% | — |
| 53 | IBEW 317 Huntington | 12.49% | 13.82% |
| 54 | KEMBA CHARLESTON Dunbar | 12.60% | 12.50% |
| 55 | EAGLE CAN EMPLOYEES Wellsburg | 12.73% | — |
| 56 | CHARLESTON POSTAL CHARLESTON | 12.93% | 9.40% |
| 57 | FAIRMONT FAIRMONT | 12.97% | — |
| 58 | APPALACHIAN POWER EMPLOYEES HUNTINGTON | 13.00% | — |
| 59 | OHIO COUNTY PUBLIC SCHOOLS WHEELING | 13.00% | 29.00% |
| 60 | MORGANTOWN A E S Morgantown | 13.07% | 13.00% |
| 61 | PRESTON KINGWOOD | 13.19% | — |
| 62 | HUNTINGTONIZED Huntington | 13.23% | 9.90% |
| 63 | ALDERSON FCI Alderson | 13.25% | — |
| 64 | WILLOW ISLAND Saint Marys | 13.25% | — |
| 65 | ELEMENT Charleston | 13.90% | 12.22% |
| 66 | TWIN OAKS Apple Grove | 14.50% | — |
| 67 | STAR USA Charleston | 14.85% | — |
| 68 | CHA-TEL Charleston | 15.00% | — |
| 69 | SOUTH CHARLESTON EMPLOYEES South Charlesto | 15.00% | — |
| 70 | HANCOCK SCHOOL EMP. Weirton | 15.00% | 10.50% |
| 71 | MCDOWELL COUNTY Welch | 15.00% | — |
| 72 | LOGAN COUNTY SCHOOL EMPLOYEES Logan | 15.00% | — |
| 73 | RALEIGH COUNTY BECKLEY | 16.95% | — |
| 74 | CAPE Clarksburg | 16.99% | 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.