Best Debt Consolidation Loan Rates — May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has engineered proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial DisclosureRates are actual, verified rates sourced directly from institution websites. Editorial content is independent of advertiser relationships.
Top debt consolidation loan rates currently available include: MembersAlliance Credit UnionMembersAlliance Credit Union2550 S Alpine Rd, Rockford, IL, 61108 7813A+5.0 ★Texas Ratio: 2.78%'s Loan Consolidation (5 year) has an APR of 4.00%, MembersAlliance Credit UnionMembersAlliance Credit Union2550 S Alpine Rd, Rockford, IL, 61108 7813A+5.0 ★Texas Ratio: 2.78%'s Loan Consolidation (5 year) Variable Rate has an APR of 4.00%, Post Office Employees Credit UnionPost Office Employees Credit Union4624 W Napoleon Ave, Metairie, LA, 70001 2492A+5.0 ★Texas Ratio: 1.01%'s Consolidation Loan has an APR of 4.75%, MembersAlliance Credit UnionMembersAlliance Credit Union2550 S Alpine Rd, Rockford, IL, 61108 7813A+5.0 ★Texas Ratio: 2.78%'s Loan Consolidation (10 year) has an APR of 4.75%, and MembersAlliance Credit UnionMembersAlliance Credit Union2550 S Alpine Rd, Rockford, IL, 61108 7813A+5.0 ★Texas Ratio: 2.78%'s Loan Consolidation (10 year) Variable Rate has an APR of 4.75%. Rates as of May 10, 2026 per MonitorBankRates.
A debt consolidation loan combines multiple high-interest debts — credit cards, medical bills, store cards — into a single lower-APR installment loan. Done right, consolidation reduces your monthly payment and total interest paid, and simplifies your finances to a single due date.
We display transparent financial health metrics — A–F Safety Grades, Star Ratings, and Texas Ratios — so you can borrow from a stable, highly-rated institution.
Rates reflect actual verified offers. Last Updated: May 10, 2026
Compare Debt Consolidation Loan Rates Nationwide
Verified Debt Consolidation Rate Data by MonitorBankRates
Institution
Product
APR
Profile
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Loan Consolidation (5 year)
4.00%
▼
APR4.00%
UpdatedMay 2, 2026
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Loan Consolidation (5 year) Variable Rate
4.00%
▼
APR4.00%
UpdatedMay 2, 2026
Details
As Low As
Post Office Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
4624 W Napoleon Ave, Metairie, LA, 70001 2492
Consolidation Loan
4.75%
▼
APR4.75%
UpdatedMay 2, 2026
Details
Annual Percentage Rate (APR) as low as 4.75%; your rate may vary.
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Loan Consolidation (10 year)
4.75%
▼
APR4.75%
UpdatedMay 2, 2026
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Loan Consolidation (10 year) Variable Rate
4.75%
▼
APR4.75%
UpdatedMay 2, 2026
Details
As Low As
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Bill Consolidation Loan
4.75%
▼
APR4.75%
UpdatedMay 2, 2026
Details
No additional details provided.
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
1304 E Churchville Rd, Bel Air, MD, 21014
Debt Consolidation Loan
4.99%
▼
APR4.99%
UpdatedMay 6, 2026
Details
No additional details provided.
CASTPARTS EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
8120 SE Luther Rd, Portland, OR, 97206 9238
Debt Consolidation Loan Special
5.00%
▼
APR5.00%
UpdatedMay 2, 2026
Details
No additional details provided.
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Loan Consolidation (5 year)
5.25%
▼
APR5.25%
UpdatedMay 2, 2026
Details
As Low As
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Bill Consolidation Loan
5.50%
▼
APR5.50%
UpdatedMay 2, 2026
Details
No additional details provided.
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Loan Consolidation (10 year)
5.75%
▼
APR5.75%
UpdatedMay 2, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Post Graduate Consolidation
5.75%
▼
APR5.75%
UpdatedMay 7, 2026
Details
As Low As; Up to $150,000
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT, 84043
Debt Paydown Loan
5.96%
▼
APR5.96%
UpdatedMay 6, 2026
Details
Rates starting at 5.96% APR1
Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1200 N School St, Honolulu, HI, 96817 2013
Bill Consolidation Loan
5.99%
▼
APR5.99%
UpdatedMay 6, 2026
Details
As Low As; Easy to apply! Fixed-rate Bill Consolidation Loan
Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1200 N School St, Honolulu, HI, 96817 2013
Consolidation Loan
5.99%
▼
APR5.99%
UpdatedMay 6, 2026
Details
As Low As; A fixed-rate Consolidation Loan will help clean-up holiday spending and other bills. Flexible terms available, loan rate starts as low as 5.99% APR.
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Bill Consolidation Loan
6.00%
▼
APR6.00%
UpdatedMay 2, 2026
Details
No additional details provided.
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
125 S Anderson St, Elwood, IN, 46036
Debt Free 7 Year Fixed
6.07%
▼
APR6.07%
UpdatedMay 5, 2026
Details
No additional details provided.
STAR Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
125 S Anderson St, Elwood, IN, 46036
Debt Free 10 Year Fixed
6.11%
▼
APR6.11%
UpdatedMay 5, 2026
Details
No additional details provided.
Lexington Postal Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
124 Louie Pl, Lexington, KY, 40511
DEBT RESTRUCTURE
6.24%
▼
APR6.24%
UpdatedMay 2, 2026
Details
Used Vehicle Loan; no cash out; Up to 125% NADA Retail
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD, 20746
Unsecured, Bill Consolidation, Signature
6.99%
▼
APR6.99%
UpdatedMay 4, 2026
Details
As Low As
Plymouth County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2203 Cranberry Hwy, West Wareham, MA, 02576 1210
Debt Consolidation
6.99%
▼
APR6.99%
UpdatedMay 7, 2026
Details
As Low As
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4550 STATE ST, SAGINAW, MI, 48603
Debt Consolidation
6.99%
▼
APR6.99%
UpdatedMay 7, 2026
Details
As Low As
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
291 Pine St, Lewiston, ME, 04240
Consolidation Loan
7.35%
▼
APR7.35%
UpdatedMay 6, 2026
Details
As Low As
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
251 W Garden St, Pensacola, FL, 32502 5728
Debt Consolidation Loan
7.95%
▼
APR7.95%
UpdatedMay 2, 2026
Details
As Low As
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation Loans
7.99%
▼
APR7.99%
UpdatedApril 19, 2026
Details
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
4056 Ryan St, Lake Charles, LA, 70605
Debt Consolidation Loan
7.99%
▼
APR7.99%
UpdatedMay 2, 2026
Details
As Low As; Up to $20,000. Terms based on loan amount. Exclusions and conditions apply.
VAN CORTLANDT COOPERATIVE
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
3960 Hillman Ave, Bronx, NY, 10463
Debt Consolidation
7.99%
▼
APR7.99%
UpdatedMay 2, 2026
Details
No additional details provided.
VAN CORTLANDT COOPERATIVE
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
3960 Hillman Ave, Bronx, NY, 10463
Debt Consolidation Loan
7.99%
▼
APR7.99%
UpdatedMay 2, 2026
Details
No additional details provided.
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
7.99%
▼
APR7.99%
UpdatedMay 7, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Debt Consolidation Loan
7.99%
▼
APR7.99%
UpdatedMay 10, 2026
Details
No additional details provided.
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
5027 Norre Gade, Charlotte Amalie, VI, 00802 6749
Consolidation Loan
8.00%
▼
APR8.00%
UpdatedMay 6, 2026
Details
As Low As
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY, 14624 4537
Debt Relief Loan
8.00%
▼
APR8.00%
UpdatedMay 7, 2026
Details
As Low As; Borrow up to $10,000.00, Delay first payment for 60 days
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
1410 Bywood Ave, Upper Darby, PA, 19082
Consolidation Loan
8.20%
▼
APR8.20%
UpdatedMay 6, 2026
Details
up to 60 months
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.01%
270A Curry St, Richmond, CA, 94801
Consolidation Loan
8.49%
▼
APR8.49%
UpdatedMay 2, 2026
Details
As Low As; 17.45%
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
8.49%
▼
APR8.49%
UpdatedMay 6, 2026
Details
No additional details provided.
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation Loans
8.50%
▼
APR8.50%
UpdatedApril 19, 2026
Details
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
Debt Consolidation Personal Loan
8.74%
▼
APR8.74%
UpdatedMay 6, 2026
Details
As Low As; for up to 36 months on loans from $500 to $20,000. Simplify multiple payments into one and start saving on interest. Funds are paid directly to your creditors for a streamlined payoff process. Take control of your debt.
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
Debt Consolidation Personal Loan Special
8.74%
▼
APR8.74%
UpdatedMay 6, 2026
Details
As Low As; for up to 36 months on loans from $500 to $20,000. Simplify multiple payments into one and start saving on interest. Funds are paid directly to your creditors for a streamlined payoff process. Take control of your debt.
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
Fixed Term Signature Loan Debt Consolidation Special
8.74%
▼
APR8.74%
UpdatedMay 6, 2026
Details
As Low As
AFL-CIO Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.56%
555 New Jersey Ave NW, Washington, DC, 20001
Bill Payer/Debt Consolidation Maximum)
8.74%
▼
APR8.74%
UpdatedMay 6, 2026
Details
$35,000; As Low As
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
124 S Ridgedale AVe, East Hanover, NJ, 07936
Personal and Debt Consolidation Loans
8.75%
▼
APR8.75%
UpdatedMay 6, 2026
Details
As Low As
Glendale Area Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1800 BROADVIEW DR, GLENDALE, CA, 91208
Bill Consolidation
8.99%
▼
APR8.99%
UpdatedApril 19, 2026
Details
No additional details provided.
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
106 N Marketplace Blvd, Lansing, MI, 48917 7753
Debt Consolidation Loan
8.99%
▼
APR8.99%
UpdatedMay 2, 2026
Details
As Low As
CANANDAIGUA
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
3210 Eastern Blvd, Canandaigua, NY, 14424
Consolidation Loan
8.99%
▼
APR8.99%
UpdatedMay 2, 2026
Details
As Low As; up to 120 Months/$30,000
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD, 20746
Unsecured, Bill Consolidation, Signature
8.99%
▼
APR8.99%
UpdatedMay 4, 2026
Details
As Low As
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
107 Broadway, Hornell, NY, 14843
Debt Consolidation Loan
8.99%
▼
APR8.99%
UpdatedMay 6, 2026
Details
No additional details provided.
BMI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
760 Kinnear Rd, Columbus, OH, 43212 1488
Debt Consolidation
8.99%
▼
APR8.99%
UpdatedMay 6, 2026
Details
As Low As
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
40 Pine St, Stoneham, MA, 02180 2048
Consolidation
8.99%
▼
APR8.99%
UpdatedMay 7, 2026
Details
Up To $10,000; Pay vendors
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
8.99%
▼
APR8.99%
UpdatedMay 7, 2026
Details
As Low As; 36 Months
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Consolidation Loan
8.99%
▼
APR8.99%
UpdatedMay 7, 2026
Details
As Low As; Payroll deduction or automatic draft
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
341 Englewood Ave, Buffalo, NY, 14223 2819
Consolidation Loan
9.00%
▼
APR9.00%
UpdatedMay 6, 2026
Details
As Low As
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
14501 Sweitzer Ln, Laurel, MD, 20707
Debt Consolidation
9.00%
▼
APR9.00%
UpdatedMay 7, 2026
Details
As Low As
Provident Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
401 S New St, Dover, DE, 19904
Debt Freedom Loan
9.00%
▼
APR9.00%
UpdatedMay 7, 2026
Details
No additional details provided.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
205 Hance Ave, TINTON FALLS, NJ, 07724
Debt Consolidation
9.00%
▼
APR9.00%
UpdatedMay 7, 2026
Details
As Low As
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
Debt Consolidation Loan
9.00%
▼
APR9.00%
UpdatedMay 7, 2026
Details
No additional details provided.
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL, 60005 3141
BILL CONSOLIDATION LOAN
9.00%
▼
APR9.00%
UpdatedMay 10, 2026
Details
As Low As
TxDot Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
4174 Old Anson Rd, Abilene, TX, 79601
Debt Consolidation
9.00%
▼
APR9.00%
UpdatedMay 10, 2026
Details
No additional details provided.
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
46 Federal Ave NW, Massillon, OH, 44647
Bill Consolidation & Signature Loans
9.19%
▼
APR9.19%
UpdatedMay 2, 2026
Details
As Low As
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
Debt Consolidation
9.20%
▼
APR9.20%
UpdatedMay 10, 2026
Details
As Low As; $26,000 Maximum
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI, 49707 8104
Debt Consolidation Loan
9.20%
▼
APR9.20%
UpdatedMay 4, 2026
Details
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and an example My $ Loan amount financed of $5,000. The payment examples shown above do not include optional insurance premium amounts, which will increase your monthly payment obligation. Your payment may vary based on the term, credit score and amount financed.
AFL-CIO Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.56%
555 New Jersey Ave NW, Washington, DC, 20001
Bill Payer/Debt Consolidation Maximum)
9.24%
▼
APR9.24%
UpdatedMay 6, 2026
Details
$35,000; As Low As
Walker County Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
201 S Duke St, La Fayette, GA, 30728 3518
Debt Consolidation Loans
9.24%
▼
APR9.24%
UpdatedMay 7, 2026
Details
As Low As
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
214 Oil Well Rd, Jackson, TN, 38305 7914
Debt Consolidation
9.24%
▼
APR9.24%
UpdatedMay 10, 2026
Details
No additional details provided.
Access Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1807 W Cermak Rd, Broadview, IL, 60155
Signature / Consolidation Loans
9.25%
▼
APR9.25%
UpdatedMay 2, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD, 20746
Unsecured, Bill Consolidation, Signature
9.25%
▼
APR9.25%
UpdatedMay 4, 2026
Details
As Low As
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
9.25%
▼
APR9.25%
UpdatedMay 7, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 12 Months
9.25%
▼
APR9.25%
UpdatedMay 7, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
70 Airport Rd, Concord, NH, 03301 5205
Personal Loan/Debt Consolidation
9.29%
▼
APR9.29%
UpdatedMay 2, 2026
Details
As Low As
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ, 86313 5001
Debt Consolidation loans
9.30%
▼
APR9.30%
UpdatedMay 6, 2026
Details
As Low As;%
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
9.30%
▼
APR9.30%
UpdatedMay 6, 2026
Details
No additional details provided.
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
701 Poydras St Ste P140, New Orleans, LA, 70139
Debt Consolidation
9.34%
▼
APR9.34%
UpdatedMay 7, 2026
Details
$5,000 to $50,000
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
46 Federal Ave NW, Massillon, OH, 44647
Bill Consolidation & Signature Loans
9.39%
▼
APR9.39%
UpdatedMay 2, 2026
Details
As Low As
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.01%
270A Curry St, Richmond, CA, 94801
Consolidation Loan
9.49%
▼
APR9.49%
UpdatedMay 2, 2026
Details
As Low As; 18.49%
NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
70 Airport Rd, Concord, NH, 03301 5205
Personal Loan/Debt Consolidation
9.49%
▼
APR9.49%
UpdatedMay 2, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
9.49%
▼
APR9.49%
UpdatedMay 6, 2026
Details
Maximum total not to exceed $40,000
360 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
385 Enfield St, Enfield, CT, 06082 1920
Debt Consolidated
9.49%
▼
APR9.49%
UpdatedMay 6, 2026
Details
$500 Minimum Loan Amount
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
9.49%
▼
APR9.49%
UpdatedMay 7, 2026
Details
As Low As; 60 months
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Consolidation Loan
9.49%
▼
APR9.49%
UpdatedMay 7, 2026
Details
As Low As; Non-payroll deducation
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ, 86313 5001
Debt Consolidation loans
9.50%
▼
APR9.50%
UpdatedMay 6, 2026
Details
As Low As;%
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
46 Federal Ave NW, Massillon, OH, 44647
Bill Consolidation & Signature Loans
9.69%
▼
APR9.69%
UpdatedMay 2, 2026
Details
As Low As
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY, 13202
Debt Consolidation
9.74%
▼
APR9.74%
UpdatedMay 7, 2026
Details
No additional details provided.
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX, 77627 8303
Debt Consolidation Loans
9.75%
▼
APR9.75%
UpdatedMay 2, 2026
Details
No additional details provided.
Access Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
1807 W Cermak Rd, Broadview, IL, 60155
Signature / Consolidation Loans
9.75%
▼
APR9.75%
UpdatedMay 2, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
Debt Consolidation Loan
9.75%
▼
APR9.75%
UpdatedMay 10, 2026
Details
minimum $7,500 - maximum $35,000
EMERALD COAST
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
502 WOODWARD AVE, PORT ST JOE, FL, 32456 1744
Consolidation
9.90%
▼
APR9.90%
UpdatedMay 2, 2026
Details
As Low As
TOWN OF HEMPSTEAD EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1830 Grand Ave, North Baldwin, NY, 11510
Bill Consolidation Loan
9.90%
▼
APR9.90%
UpdatedMay 2, 2026
Details
No additional details provided.
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN, 37210
Debt Consolidation Loans
9.95%
▼
APR9.95%
UpdatedApril 19, 2026
Details
As Low As; Rates as low as 9.95%
Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1617 6th Ave Fl 5, Seattle, WA, 98101
Debt Consolidation
9.97%
▼
APR9.97%
UpdatedMay 6, 2026
Details
No additional details provided.
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation Loans
9.99%
▼
APR9.99%
UpdatedApril 19, 2026
Details
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA, 91740 4623
Debt Consolidation
9.99%
▼
APR9.99%
UpdatedMay 2, 2026
Details
No additional details provided.
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
510 E Mound St, Columbus, OH, 43215 5539
Debt Consolidation
9.99%
▼
APR9.99%
UpdatedMay 2, 2026
Details
$1,000-$2,499; As Low As
Education First Credit Union Inc
Institution Rating:
A5.0 ★Texas Ratio: 11.85%
510 E Mound St, Columbus, OH, 43215 5539
Debt Consolidation and over
9.99%
▼
APR9.99%
UpdatedMay 2, 2026
Details
$7,500; As Low As
Omega Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
206 Siebert Rd, Pittsburgh, PA, 15237
Consolidation Loans
9.99%
▼
APR9.99%
UpdatedMay 2, 2026
Details
As Low As
NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
70 Airport Rd, Concord, NH, 03301 5205
Personal Loan/Debt Consolidation
9.99%
▼
APR9.99%
UpdatedMay 2, 2026
Details
As Low As
Mutual Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1000 Bridgeport Ave Ste 503, SHELTON, CT, 06484 4602
Personal Unsecured / Debt Consolidation
9.99%
▼
APR9.99%
UpdatedMay 4, 2026
Details
No additional details provided.
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
125 Wireless Blvd, Hauppauge, NY, 11788 3971
Debt Consolidation loan
9.99%
▼
APR9.99%
UpdatedMay 6, 2026
Details
As Low As; *The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval.
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
516 Spring St, Windsor Locks, CT, 06096
Debt Consolidation Loans
9.99%
▼
APR9.99%
UpdatedMay 6, 2026
Details
As Low As
360 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
385 Enfield St, Enfield, CT, 06082 1920
Debt Consolidated
9.99%
▼
APR9.99%
UpdatedMay 6, 2026
Details
No additional details provided.
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
165 W 46th St, New York, NY, 10036 2508
Balance Consolidation Loan
9.99%
▼
APR9.99%
UpdatedMay 7, 2026
Details
No additional details provided.
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
40 Pine St, Stoneham, MA, 02180 2048
Consolidation
9.99%
▼
APR9.99%
UpdatedMay 7, 2026
Details
Up To $10,000; Pay vendors
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
9.99%
▼
APR9.99%
UpdatedMay 7, 2026
Details
As Low As; 72 Months
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
27 Seneca St, Geneva, NY, 14456 3502
Debt Consolidation
9.99%
▼
APR9.99%
UpdatedMay 7, 2026
Details
As Low As
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
915 N Harrison Ave, Cary, NC, 27513 3904
Debt Consolidation Loans
9.99%
▼
APR9.99%
UpdatedMay 7, 2026
Details
As Low As; Maximum term for lowest rate is 60 months.
Strait View Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
220 S Lincoln St, Port Angeles, WA, 98362 3003
Debt Consolidation w/Collateral
10.00%
▼
APR10.00%
UpdatedMay 2, 2026
Details
No additional details provided.
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX, 77627 8303
Debt Consolidation Loans
10.00%
▼
APR10.00%
UpdatedMay 2, 2026
Details
No additional details provided.
HUD
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
451 7th St Sw Rm 3241, Washington, DC, 20410
Debt Consolidation
10.00%
▼
APR10.00%
UpdatedMay 2, 2026
Details
As Low As
Self Memorial Hospital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
315 EPTING AVE, GREENWOOD, SC, 29646 4039
DEBT CONSOLIDATION LOANS
10.00%
▼
APR10.00%
UpdatedMay 7, 2026
Details
As Low As
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
740 County St, Somerset, MA, 02726
Debt Consolidation Loan
10.00%
▼
APR10.00%
UpdatedMay 7, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
DebtBuster/No Equity Loan
10.00%
▼
APR10.00%
UpdatedMay 10, 2026
Details
5-year payback
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL, 60005 3141
BILL CONSOLIDATION LOAN
10.00%
▼
APR10.00%
UpdatedMay 10, 2026
Details
As Low As
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
10.05%
▼
APR10.05%
UpdatedMay 6, 2026
Details
No additional details provided.
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI, 49548 2306
Debt Consolidation Loan
10.09%
▼
APR10.09%
UpdatedMay 10, 2026
Details
No additional details provided.
Point West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Consolidation Loan
10.24%
▼
APR10.24%
UpdatedApril 19, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
165 W 46th St, New York, NY, 10036 2508
Balance Consolidation Loan
10.24%
▼
APR10.24%
UpdatedMay 7, 2026
Details
No additional details provided.
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY, 13202
Debt Consolidation
10.24%
▼
APR10.24%
UpdatedMay 7, 2026
Details
No additional details provided.
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
10.25%
▼
APR10.25%
UpdatedMay 7, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 13 - 24 Months
10.25%
▼
APR10.25%
UpdatedMay 7, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Merco Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
1911 M ST, Merced, CA, 95340 3706
Debt Consolidation Loan
10.29%
▼
APR10.29%
UpdatedApril 19, 2026
Details
As Low As
Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
1250 Shelburne Rd, South Burlington, VT, 05403 7783
Debt Consolidation Loans
10.49%
▼
APR10.49%
UpdatedApril 19, 2026
Details
No additional details provided.
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.01%
270A Curry St, Richmond, CA, 94801
Consolidation Loan
10.49%
▼
APR10.49%
UpdatedMay 2, 2026
Details
As Low As; 19.49%
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
726 Massachusetts Ave, Indianapolis, IN, 46204
Personal / Signature / Consolidation Loan
10.49%
▼
APR10.49%
UpdatedMay 2, 2026
Details
As Low As
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
516 Spring St, Windsor Locks, CT, 06096
Debt Consolidation Loans
10.49%
▼
APR10.49%
UpdatedMay 6, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
165 W 46th St, New York, NY, 10036 2508
Balance Consolidation Loan
10.49%
▼
APR10.49%
UpdatedMay 7, 2026
Details
No additional details provided.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation
10.49%
▼
APR10.49%
UpdatedMay 7, 2026
Details
As Low As; 84 Months
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY, 13202
Debt Consolidation
10.49%
▼
APR10.49%
UpdatedMay 7, 2026
Details
No additional details provided.
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
280 E 12300 S, Draper, UT, 84020
Personal / Signature / Consolidation Loan
10.49%
▼
APR10.49%
UpdatedMay 10, 2026
Details
As Low As
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
280 E 12300 S, Draper, UT, 84020
Personal Signature Consolidation Loan
10.49%
▼
APR10.49%
UpdatedMay 10, 2026
Details
As Low As
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
540 Broadway, Pawtucket, RI, 02860 1227
Personal/Consolidation Loans
10.49%
▼
APR10.49%
UpdatedMay 10, 2026
Details
Loan amounts up to $10,000
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation Loans
10.50%
▼
APR10.50%
UpdatedApril 19, 2026
Details
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
Tonawanda Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
10 Jefferson Square Ave, Batavia, NY, 14020
Debt Consolidation 12-24 months max
10.50%
▼
APR10.50%
UpdatedMay 7, 2026
Details
As Low As
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1795 English Rd, Rochester, NY, 14616
Consolidation Loans
10.50%
▼
APR10.50%
UpdatedMay 7, 2026
Details
As Low As
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
726 Massachusetts Ave, Indianapolis, IN, 46204
Personal / Signature / Consolidation Loan
10.74%
▼
APR10.74%
UpdatedMay 2, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Debt Consolidation Unsecured
10.74%
▼
APR10.74%
UpdatedMay 4, 2026
Details
up to 48 months
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
10.74%
▼
APR10.74%
UpdatedMay 6, 2026
Details
Maximum total not to exceed $40,000
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
165 W 46th St, New York, NY, 10036 2508
Balance Consolidation Loan
10.74%
▼
APR10.74%
UpdatedMay 7, 2026
Details
No additional details provided.
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
280 E 12300 S, Draper, UT, 84020
Personal Signature Consolidation Loan
10.74%
▼
APR10.74%
UpdatedMay 10, 2026
Details
As Low As
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
5255 Regency Dr, Parma, OH, 44129 5453
Personal/Signature/Bill Consolidation Loans
10.75%
▼
APR10.75%
UpdatedMay 2, 2026
Details
As Low As
Adirondack Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
280 Park St, Tupper Lake, NY, 12986 1909
Consolidation
10.75%
▼
APR10.75%
UpdatedMay 6, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Debt Consolidation Unsecured
10.89%
▼
APR10.89%
UpdatedMay 4, 2026
Details
49 to 60 months
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation Loans
10.99%
▼
APR10.99%
UpdatedApril 19, 2026
Details
As Low As; Minimum loan amount $500. Maximum loan amount $30,000.
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.62%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Consolidation Loans
10.99%
▼
APR10.99%
UpdatedApril 19, 2026
Details
No additional details provided.
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
Debt Consolidation
10.99%
▼
APR10.99%
UpdatedMay 2, 2026
Details
As Low As
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Debt Consolidation Loan
10.99%
▼
APR10.99%
UpdatedMay 2, 2026
Details
No additional details provided.
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
726 Massachusetts Ave, Indianapolis, IN, 46204
Personal / Signature / Consolidation Loan
10.99%
▼
APR10.99%
UpdatedMay 2, 2026
Details
As Low As
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
4620 SE International Way Ste 105, Milwaukie, OR, 97222
Consolidation Loans
10.99%
▼
APR10.99%
UpdatedMay 2, 2026
Details
As Low As; APR = Annual Percentage Rate. **Monthly payments determined by loan amount, term, and APR. All loans, rates, and terms are subject to credit approval and creditworthiness, are subject to change at any time, and must meet Cutting Edge Federal Credit Union lending policies.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Personal Loan (including Debt Consolidation)
10.99%
▼
APR10.99%
UpdatedMay 2, 2026
Details
As Low As
Mutual Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1000 Bridgeport Ave Ste 503, SHELTON, CT, 06484 4602
Personal Unsecured / Debt Consolidation
10.99%
▼
APR10.99%
UpdatedMay 4, 2026
Details
No additional details provided.
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
516 Spring St, Windsor Locks, CT, 06096
Debt Consolidation Loans
10.99%
▼
APR10.99%
UpdatedMay 6, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
165 W 46th St, New York, NY, 10036 2508
Balance Consolidation Loan
10.99%
▼
APR10.99%
UpdatedMay 7, 2026
Details
No additional details provided.
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
280 E 12300 S, Draper, UT, 84020
Personal Signature Consolidation Loan
10.99%
▼
APR10.99%
UpdatedMay 10, 2026
Details
As Low As
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
540 Broadway, Pawtucket, RI, 02860 1227
Personal/Consolidation Loans
10.99%
▼
APR10.99%
UpdatedMay 10, 2026
Details
Loan amounts $10,001 - $15,000
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX, 77627 8303
Debt Consolidation Loans
11.00%
▼
APR11.00%
UpdatedMay 2, 2026
Details
No additional details provided.
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 18.78%
1481 Harlem Rd, Cheektowaga, NY, 14206
Consolidation (Max
11.00%
▼
APR11.00%
UpdatedMay 2, 2026
Details
$30,000
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.05%
14501 Sweitzer Ln, Laurel, MD, 20707
Debt Consolidation
11.00%
▼
APR11.00%
UpdatedMay 7, 2026
Details
As Low As
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL, 60005 3141
BILL CONSOLIDATION LOAN
11.00%
▼
APR11.00%
UpdatedMay 10, 2026
Details
As Low As
People Driven Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
24333 Lahser Rd, Southfield, MI, 48033 6041
Debt Consolidation
11.04%
▼
APR11.04%
UpdatedMay 10, 2026
Details
As Low As
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
726 Massachusetts Ave, Indianapolis, IN, 46204
Personal / Signature / Consolidation Loan
11.24%
▼
APR11.24%
UpdatedMay 2, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Personal and Debt Consolidation
11.24%
▼
APR11.24%
UpdatedMay 6, 2026
Details
No additional details provided.
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
280 E 12300 S, Draper, UT, 84020
Personal Signature Consolidation Loan
11.24%
▼
APR11.24%
UpdatedMay 10, 2026
Details
As Low As
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★Texas Ratio: 18.78%
1481 Harlem Rd, Cheektowaga, NY, 14206
Consolidation (Max
11.25%
▼
APR11.25%
UpdatedMay 2, 2026
Details
$30,000
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD, 20746
Unsecured, Bill Consolidation, Signature
11.25%
▼
APR11.25%
UpdatedMay 4, 2026
Details
As Low As
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
11.25%
▼
APR11.25%
UpdatedMay 7, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 25 - 36 Months
11.25%
▼
APR11.25%
UpdatedMay 7, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
11.30%
▼
APR11.30%
UpdatedMay 6, 2026
Details
No additional details provided.
Granite State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
1415 Elm St, Manchester, NH, 03101 1325
Debt Consolidation Loan
11.41%
▼
APR11.41%
UpdatedMay 2, 2026
Details
No additional details provided.
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.62%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Consolidation Loans
11.49%
▼
APR11.49%
UpdatedApril 19, 2026
Details
No additional details provided.
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
516 Spring St, Windsor Locks, CT, 06096
Debt Consolidation Loans
11.49%
▼
APR11.49%
UpdatedMay 6, 2026
Details
As Low As
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
516 Spring St, Windsor Locks, CT, 06096
Debt Management Loans
11.49%
▼
APR11.49%
UpdatedMay 6, 2026
Details
As Low As
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
27 Seneca St, Geneva, NY, 14456 3502
Debt Consolidation
11.49%
▼
APR11.49%
UpdatedMay 7, 2026
Details
As Low As
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI, 48604
Debt Consolidation
11.49%
▼
APR11.49%
UpdatedMay 10, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
5711 Allentown Rd, Suitland, MD, 20746
Unsecured, Bill Consolidation, Signature
11.50%
▼
APR11.50%
UpdatedMay 4, 2026
Details
As Low As
Tonawanda Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
10 Jefferson Square Ave, Batavia, NY, 14020
Debt Consolidation 25-60 months max
11.50%
▼
APR11.50%
UpdatedMay 7, 2026
Details
As Low As
Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
740 County St, Somerset, MA, 02726
Debt Consolidation Loan
11.50%
▼
APR11.50%
UpdatedMay 7, 2026
Details
As Low As
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
225 Riverside St, Portland, ME, 04103 1038
Debt Consolidation Loan
11.74%
▼
APR11.74%
UpdatedMay 2, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
11.74%
▼
APR11.74%
UpdatedMay 6, 2026
Details
Maximum total not to exceed $40,000
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
46 Federal Ave NW, Massillon, OH, 44647
Bill Consolidation & Signature Loans
11.89%
▼
APR11.89%
UpdatedMay 2, 2026
Details
As Low As
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.62%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Consolidation Loans
11.99%
▼
APR11.99%
UpdatedApril 19, 2026
Details
No additional details provided.
Coasthills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3880 CONSTELLATION RD, LOMPOC, CA, 93436 1404
Signature Debt Consolidation
11.99%
▼
APR11.99%
UpdatedMay 2, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Debt Consolidation Loan
11.99%
▼
APR11.99%
UpdatedMay 2, 2026
Details
As Low As; with Loyalty Discount
Mutual Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1000 Bridgeport Ave Ste 503, SHELTON, CT, 06484 4602
Personal Unsecured / Debt Consolidation
11.99%
▼
APR11.99%
UpdatedMay 4, 2026
Details
No additional details provided.
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
120 W Carlson St, Cheyenne, WY, 82009
Debt Consolidation Loans
11.99%
▼
APR11.99%
UpdatedMay 6, 2026
Details
No additional details provided.
Rancho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
12620 Erickson Ave Ste H, Downey, CA, 90242 4019
Consolidation Loans
12.00%
▼
APR12.00%
UpdatedMay 6, 2026
Details
As Low As
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
300 S Glendale Ave, Glendale, CA, 91205 5305
Debt Consolidation
12.00%
▼
APR12.00%
UpdatedMay 6, 2026
Details
As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
302 W Towne St, Glendive, MT, 59330 1744
Debt Consolidation
12.00%
▼
APR12.00%
UpdatedMay 6, 2026
Details
No additional details provided.
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
202 BUSSEY ST, DEDHAM, MA, 02026
Debt Consolidation Loan (790+ FICO)
12.00%
▼
APR12.00%
UpdatedMay 7, 2026
Details
No additional details provided.
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL, 60005 3141
BILL CONSOLIDATION LOAN
12.00%
▼
APR12.00%
UpdatedMay 10, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
2300 Texas Ave, Texas City, TX, 77590
Debt Consolidation Loan
12.05%
▼
APR12.05%
UpdatedMay 6, 2026
Details
No additional details provided.
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
12.20%
▼
APR12.20%
UpdatedMay 7, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 37 - 48 Months
12.20%
▼
APR12.20%
UpdatedMay 7, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Personal and Debt Consolidation
12.24%
▼
APR12.24%
UpdatedMay 6, 2026
Details
No additional details provided.
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
406 REFORMATORY CIR, EL RENO, OK, 73036 2174
DEBT CONSOLIDATION
12.25%
▼
APR12.25%
UpdatedMay 6, 2026
Details
MAXIMUM $5,000. CALL CREDIT UNION FOR ELIGIBILITY
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
726 Massachusetts Ave, Indianapolis, IN, 46204
Personal / Signature / Consolidation Loan
12.29%
▼
APR12.29%
UpdatedMay 2, 2026
Details
As Low As
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
280 E 12300 S, Draper, UT, 84020
Personal Signature Consolidation Loan
12.29%
▼
APR12.29%
UpdatedMay 10, 2026
Details
As Low As
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
12.30%
▼
APR12.30%
UpdatedMay 6, 2026
Details
No additional details provided.
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
12.30%
▼
APR12.30%
UpdatedMay 7, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
12.35%
▼
APR12.35%
UpdatedMay 7, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
12.40%
▼
APR12.40%
UpdatedMay 7, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
12.45%
▼
APR12.45%
UpdatedMay 7, 2026
Details
As Low As
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1619 Plainfield AVE NE, Grand Rapids, MI, 49505 4703
Debt Consolidation
12.49%
▼
APR12.49%
UpdatedMay 2, 2026
Details
No additional details provided.
Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
103 S Tyndall Pkwy, Panama City, FL, 32404 6722
Freedom Loan (Debt Consolidation)
12.49%
▼
APR12.49%
UpdatedMay 2, 2026
Details
17.99%
UFCW Local 1776 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3031A Walton Rd Ste 310, Plymouth Meeting, PA, 19462 2369
Debt Consolidation
12.49%
▼
APR12.49%
UpdatedMay 7, 2026
Details
As Low As; 0 to months * For Qualified Buyer
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
27 Seneca St, Geneva, NY, 14456 3502
Debt Consolidation
12.49%
▼
APR12.49%
UpdatedMay 7, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
12.74%
▼
APR12.74%
UpdatedMay 6, 2026
Details
Maximum total not to exceed $40,000
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3200 S Dairy Ashford Rd, Houston, TX, 77082 2319
Debt Consolidation Loan
12.74%
▼
APR12.74%
UpdatedMay 10, 2026
Details
Debt Consolidation
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
46 Federal Ave NW, Massillon, OH, 44647
Bill Consolidation & Signature Loans
12.89%
▼
APR12.89%
UpdatedMay 2, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Consolidation
12.90%
▼
APR12.90%
UpdatedMay 2, 2026
Details
No additional details provided.
Covenant Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
2904 E Stan Schlueter loop Bldg A, Killeen, TX, 76542 4813
Debt Consolidation Loans
12.90%
▼
APR12.90%
UpdatedMay 7, 2026
Details
As Low As
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
246 Brookdale Dr, Springfield, MA, 01104
Debt Consolidation Revolving
12.95%
▼
APR12.95%
UpdatedMay 2, 2026
Details
As Low As
Mutual Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1000 Bridgeport Ave Ste 503, SHELTON, CT, 06484 4602
Personal Unsecured / Debt Consolidation
12.99%
▼
APR12.99%
UpdatedMay 4, 2026
Details
No additional details provided.
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA, 95118 3633
Bill Consolidation
13.00%
▼
APR13.00%
UpdatedMay 2, 2026
Details
As Low As; $500 Minimum; $50,000 Maximum
Cornerstone Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
1515 Black Rock Tpke, Fairfield, CT, 06825
CONSOLIDATION
13.00%
▼
APR13.00%
UpdatedMay 2, 2026
Details
No additional details provided.
Elizabeth NJ Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
411 Irvington Ave, Elizabeth, NJ, 07208 2044
Debt Consolidation Loan
13.00%
▼
APR13.00%
UpdatedMay 6, 2026
Details
Proceeds made directly to creditors only!
AAEC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
1104 S Arlington Heights Rd, Arlington Heights, IL, 60005 3141
BILL CONSOLIDATION LOAN
13.00%
▼
APR13.00%
UpdatedMay 10, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
2300 Texas Ave, Texas City, TX, 77590
Debt Consolidation Loan
13.05%
▼
APR13.05%
UpdatedMay 6, 2026
Details
No additional details provided.
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Personal and Debt Consolidation
13.24%
▼
APR13.24%
UpdatedMay 6, 2026
Details
No additional details provided.
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
13.25%
▼
APR13.25%
UpdatedMay 7, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan 49 - 60 Months (5K Plus)
13.25%
▼
APR13.25%
UpdatedMay 7, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation
13.30%
▼
APR13.30%
UpdatedMay 6, 2026
Details
No additional details provided.
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
13304 Alondra Blvd, Cerritos, CA, 90703
Special Debt Consolidation
13.49%
▼
APR13.49%
UpdatedMay 7, 2026
Details
No additional details provided.
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY, 12901
Debt Consolidation
13.50%
▼
APR13.50%
UpdatedMay 7, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Consolidation
13.60%
▼
APR13.60%
UpdatedMay 6, 2026
Details
As Low As
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA, 95118 3633
Bill Consolidation
13.75%
▼
APR13.75%
UpdatedMay 2, 2026
Details
As Low As; $500 Minimum; $50,000 Maximum
St Jeans Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
155 State St, Newburyport, MA, 01950
Debt Consolidation
13.90%
▼
APR13.90%
UpdatedApril 19, 2026
Details
No additional details provided.
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
222 E Upham St, Marshfield, WI, 54449 1543
Personal Loan Consolidation Loan
13.99%
▼
APR13.99%
UpdatedApril 19, 2026
Details
No additional details provided.
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
777 E Main St, Torrington, CT, 06790 3915
Debt Consolidation Loans
13.99%
▼
APR13.99%
UpdatedMay 7, 2026
Details
As Low As
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
202 BUSSEY ST, DEDHAM, MA, 02026
Debt Consolidation Loan (720 -789 FICO)
14.00%
▼
APR14.00%
UpdatedMay 7, 2026
Details
No additional details provided.
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV, 26041 1605
Debt Consolidation (checks written to creditors, accounts must be closed)
14.00%
▼
APR14.00%
UpdatedMay 7, 2026
Details
No additional details provided.
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
516 Spring St, Windsor Locks, CT, 06096
Debt Management Loans
14.24%
▼
APR14.24%
UpdatedMay 6, 2026
Details
As Low As
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA, 95118 3633
Bill Consolidation
14.25%
▼
APR14.25%
UpdatedMay 2, 2026
Details
As Low As; $500 Minimum; $50,000 Maximum
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
14.45%
▼
APR14.45%
UpdatedMay 7, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
14.49%
▼
APR14.49%
UpdatedMay 6, 2026
Details
Maximum total not to exceed $40,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA, 90250
Debt Consolidation Loan
14.49%
▼
APR14.49%
UpdatedMay 7, 2026
Details
No additional details provided.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA, 90250
Debt Consolidation Loans
14.49%
▼
APR14.49%
UpdatedMay 7, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY, 12207
Debt Consolidation Loan
14.50%
▼
APR14.50%
UpdatedMay 4, 2026
Details
No additional details provided.
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA, 95118 3633
Bill Consolidation
14.75%
▼
APR14.75%
UpdatedMay 2, 2026
Details
As Low As; $500 Minimum; $50,000 Maximum
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY, 13461
Consolidation
14.85%
▼
APR14.85%
UpdatedMay 6, 2026
Details
As Low As
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA, 02150
Debt Consolidation
14.90%
▼
APR14.90%
UpdatedMay 6, 2026
Details
$15,000 Maximum
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
2430 Hamilton Ave, Hamilton, NJ, 08619
Debt Consolidation Loan
14.99%
▼
APR14.99%
UpdatedMay 6, 2026
Details
Up to 48 month term. Max of $20,000.00
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
14.99%
▼
APR14.99%
UpdatedMay 6, 2026
Details
Maximum total not to exceed $40,000
ELLIS COUNTY TEACHERS AND EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
1001 BUTCHER RD, WAXAHACHIE, TX, 75165
Consolidation
15.00%
▼
APR15.00%
UpdatedMay 2, 2026
Details
UP TO $2,500.00
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
516 Spring St, Windsor Locks, CT, 06096
Debt Management Loans
15.24%
▼
APR15.24%
UpdatedMay 6, 2026
Details
As Low As
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC, 27103 5779
Debt Consolidation
15.45%
▼
APR15.45%
UpdatedMay 10, 2026
Details
No additional details provided.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
15.49%
▼
APR15.49%
UpdatedMay 6, 2026
Details
Maximum total not to exceed $40,000
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
202 BUSSEY ST, DEDHAM, MA, 02026
Debt Consolidation Loan (670 - 719 FICO)
15.75%
▼
APR15.75%
UpdatedMay 7, 2026
Details
No additional details provided.
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Debt Consolidation Loan
15.99%
▼
APR15.99%
UpdatedMay 2, 2026
Details
No additional details provided.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Debt Consolidation Loans
16.00%
▼
APR16.00%
UpdatedMay 10, 2026
Details
No additional details provided.
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
51 Willow St, Lynn, MA, 01901
Debt Consolidation
16.00%
▼
APR16.00%
UpdatedMay 10, 2026
Details
No additional details provided.
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
16.44%
▼
APR16.44%
UpdatedMay 7, 2026
Details
As Low As
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
16.49%
▼
APR16.49%
UpdatedMay 6, 2026
Details
Maximum total not to exceed $40,000
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
202 BUSSEY ST, DEDHAM, MA, 02026
Debt Consolidation Loan (630 - 669 FICO)
16.75%
▼
APR16.75%
UpdatedMay 7, 2026
Details
No additional details provided.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA, 23606
Debt Consolidation
16.99%
▼
APR16.99%
UpdatedMay 4, 2026
Details
No additional details provided.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI, 48823 8029
Debt Consolidation Loan
17.99%
▼
APR17.99%
UpdatedMay 7, 2026
Details
As Low As
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
202 BUSSEY ST, DEDHAM, MA, 02026
Debt Consolidation Loan (500 - 629 FICO)
18.00%
▼
APR18.00%
UpdatedMay 7, 2026
Details
No additional details provided.
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Consolidation Loan
18.00%
▼
APR18.00%
UpdatedMay 7, 2026
Details
Variable rate
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
1112 Saint Nicholas Ave, New York, NY, 10032
Debt Consolidation Loans
18.00%
▼
APR18.00%
UpdatedMay 10, 2026
Details
discount with direct deposit
Powered byMonitorBankRates
Debt Consolidation Loan APR Trend
Daily national average APR for debt consolidation loans
Daily averages compiled from our database of 8,500+ banks and credit unions — updated daily.
Debt Consolidation — National Avg APR
10.75%
Debt consolidation loan APRs currently average 10.75% APR, compiled from verified rates across banks and credit unions nationwide.
Powered by
MonitorBankRates
Frequently Asked Questions about Debt Consolidation Loans
What is a debt consolidation loan?
A debt consolidation loan is a personal loan used to pay off multiple existing debts, replacing them with a single monthly payment at (ideally) a lower APR. It is most effective when the consolidation rate is lower than the weighted average rate of your existing debts.
Will debt consolidation hurt my credit score?
Applying creates a hard inquiry that may temporarily lower your score by a few points. However, paying off revolving credit card balances reduces your credit utilization ratio, which typically improves your score over the medium term.
How much can I save by consolidating debt?
Savings depend on the amounts, the rate difference, and the loan term. Consolidating $15,000 of credit card debt at 22% into a 5-year loan at 10% APR saves roughly $6,000–$8,000 in interest, depending on minimum payments on the original cards.
Banks vs. credit unions for consolidation loans?
Credit unions typically offer lower APRs and more flexible underwriting for debt consolidation than banks. They are not-for-profit, so rates more directly reflect the cost of funding. If you qualify for membership, start your search there.
What debts can I consolidate?
You can consolidate credit card balances, medical bills, store charge cards, and other unsecured personal debts. Secured debts such as auto loans and mortgages are generally not eligible for unsecured consolidation loans.
Top Debt Consolidation Rates Today
Is a balance transfer or a consolidation loan better?
A 0% intro balance transfer card can beat a consolidation loan if you can pay the balance within the intro period (typically 12–21 months). For larger balances or longer payoff timelines, a fixed-rate consolidation loan from a credit union usually costs less overall.
- MembersAlliance Credit Union: 4.00% APR (Loan Consolidation (5 year))
- MembersAlliance Credit Union: 4.00% APR (Loan Consolidation (5 year) Variable Rate)
- Post Office Employees Credit Union: 4.75% APR (Consolidation Loan)
- MembersAlliance Credit Union: 4.75% APR (Loan Consolidation (10 year))
- MembersAlliance Credit Union: 4.75% APR (Loan Consolidation (10 year) Variable Rate)
Rates reflect actual verified offers. Last Updated: May 10, 2026
More Loan & Card Options
Rate Assistant
MonitorBankRates.com · Live Data
Try asking