Personal Loans · Madison, Wisconsin
6 credit unions in Madison report personal loan rates to the NCUA. Rates range from 11.78% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
11.78%
Lowest Rate
13.99%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | MADISON FIRE DEPARTMENT ★ 3.7 · 3 reviews | 11.78% | — |
| 2 | HEARTLAND ★ 3.1 · 78 reviews | 12.49% | 12.75% |
| 3 | UNIVERSITY OF WISCONSIN ★ 4.7 · 209 reviews | 12.74% | 16.70% |
| 4 | MADISON ★ 4.4 · 44 reviews | 13.90% | 16.95% |
| 5 | WEA ★ 5.0 · 3 reviews | 15.00% | 19.75% |
| 6 | SUMMIT ★ 4.6 · 162 reviews | 18.00% | 9.90% |
If you have high-rate credit card balances, a personal loan from a Madison 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.