Personal Loans · Charleston, West Virginia
11 credit unions in Charleston report personal loan rates to the NCUA. Rates range from 8.55% to 15.00%.
Updated Q1 2026 · NCUA Call Report data
11
CUs Reporting Rates
8.55%
Lowest Rate
12.08%
City Average Rate
11 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | WV NATIONAL GUARD ★ 3.7 · 3 reviews | 8.55% | — |
| 2 | LOCAL NO. 317 I.A.F.F. ★ 5.0 · 2 reviews | 9.00% | — |
| 3 | THE STATE ★ 3.2 · 25 reviews | 10.00% | 15.00% |
| 4 | CHARLESTON ★ 4.8 · 6 reviews | 12.00% | — |
| 5 | PIONEER APPALACHIA ★ 3.7 · 37 reviews | 12.18% | 11.36% |
| 6 | MEMBERS CHOICE WV ★ 4.1 · 36 reviews | 12.23% | 9.99% |
| 7 | CAMC ★ 3.9 · 21 reviews | 12.27% | — |
| 8 | CHARLESTON POSTAL ★ 4.2 · 6 reviews | 12.93% | 9.40% |
| 9 | ELEMENT ★ 4.3 · 35 reviews | 13.90% | 12.22% |
| 10 | STAR USA ★ 2.9 · 26 reviews | 14.85% | — |
| 11 | CHA-TEL ★ 5.0 · 4 reviews | 15.00% | — |
If you have high-rate credit card balances, a personal loan from a Charleston credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.