Best Debt Consolidation Loan Rates — June 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
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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: 2.61%'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: 2.61%'s Loan Consolidation (10 year) has an APR of 4.75%, HAWAIIAN ELECTRIC EMPLOYEESHAWAIIAN ELECTRIC EMPLOYEES770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813A+5.0 ★Texas Ratio: 1.30%'s Bill Consolidation Loan2 has an APR of 4.75%, Freedom Of Maryland Federal Credit UnionFreedom Of Maryland Federal Credit Union1304 E Churchville Rd, Bel Air, MD, 21014A5.0 ★Texas Ratio: 8.78%'s Debt Consolidation Loan has an APR of 4.99%, and Freedom Of Maryland Federal Credit UnionFreedom Of Maryland Federal Credit Union1304 E Churchville Rd, Bel Air, MD, 21014A5.0 ★Texas Ratio: 8.78%'s Debt Consolidation Loans has an APR of 4.99%. Rates as of June 27, 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: June 27, 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: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Loan Consolidation (5 year)
4.00%
▼
APR4.00%
UpdatedJune 27, 2026
Details
Variable Rate** (as low as)
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Loan Consolidation (10 year)
4.75%
▼
APR4.75%
UpdatedJune 27, 2026
Details
Variable Rate** (as low as)
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Bill Consolidation Loan2
4.75%
▼
APR4.75%
UpdatedJune 27, 2026
Details
No additional details provided.
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
1304 E Churchville Rd, Bel Air, MD, 21014
Debt Consolidation Loan
4.99%
▼
APR4.99%
UpdatedJune 23, 2026
Details
Rate quoted based on 36 month term, $500 up to $30,000 for an Anything Loan or borrow $1,000 up to $30,000 for a Debt Consolidation Loan. 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates).
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
1304 E Churchville Rd, Bel Air, MD, 21014
Debt Consolidation Loans
4.99%
▼
APR4.99%
UpdatedJune 23, 2026
Details
As Low As
CASTPARTS EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
8120 SE Luther Rd, Portland, OR, 97206 9238
Debt Consolidation Loan
5.00%
▼
APR5.00%
UpdatedJune 21, 2026
Details
As Low As
CASTPARTS EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
8120 SE Luther Rd, Portland, OR, 97206 9238
Debt Consolidation Loan Special
5.00%
▼
APR5.00%
UpdatedJune 21, 2026
Details
No additional details provided.
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Loan Consolidation (5 year)
5.25%
▼
APR5.25%
UpdatedJune 27, 2026
Details
Fixed Rate* (as low as)
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Bill Consolidation Loan2
5.50%
▼
APR5.50%
UpdatedJune 27, 2026
Details
No additional details provided.
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Loan Consolidation (10 year)
5.75%
▼
APR5.75%
UpdatedJune 27, 2026
Details
Fixed Rate* (as low as)
Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1200 N School St, Honolulu, HI, 96817 2013
Bill Consolidation Loan
5.99%
▼
APR5.99%
UpdatedJune 23, 2026
Details
Fixed-rate; Flexible terms available
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Bill Consolidation Loan2
6.00%
▼
APR6.00%
UpdatedJune 27, 2026
Details
No additional details provided.
Lexington Postal Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
124 Louie Pl, Lexington, KY, 40511
Debt Restructure Loan
6.24%
▼
APR6.24%
UpdatedJune 16, 2026
Details
Used Vehicle Loan; no cash out; Up to 125% NADA Retail
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation Loans
6.99%
▼
APR6.99%
UpdatedJune 26, 2026
Details
As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
9901 S Kedzie Ave, Evergreen Park, IL, 60805 3416
Debt Consolidation Loan
7.25%
▼
APR7.25%
UpdatedJune 16, 2026
Details
Credit Union rates range from ONLY 7.25% to 13.25%; Maximum loan amount $15,000
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
400 Russell Ave Bldg 509, New Orleans, LA, 70143 5077
Debt Consolidation Loan
7.25%
▼
APR7.25%
UpdatedJune 16, 2026
Details
As Low As; Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value.
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY, 12401
Debt Consolidation Loan
7.49%
▼
APR7.49%
UpdatedJune 16, 2026
Details
No hidden fees. Perfect for getting ahead of higher-rate credit card debt.
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
291 Pine St, Lewiston, ME, 04240
Consolidation Loan
7.50%
▼
APR7.50%
UpdatedJune 23, 2026
Details
As Low As; Consolidation Loan
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation Loans
7.50%
▼
APR7.50%
UpdatedJune 26, 2026
Details
As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
251 W Garden St, Pensacola, FL, 32502 5728
Debt Consolidation Loan
7.95%
▼
APR7.95%
UpdatedJune 21, 2026
Details
As Low As
Southwest Louisiana Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
4056 Ryan St, Lake Charles, LA, 70605
Debt Consolidation Loan
7.99%
▼
APR7.99%
UpdatedJune 16, 2026
Details
As Low As; Up to $20,000. Terms based on loan amount. Exclusions and conditions apply.
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
7.99%
▼
APR7.99%
UpdatedJune 26, 2026
Details
As Low As; 1
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation Loans
7.99%
▼
APR7.99%
UpdatedJune 26, 2026
Details
Minimum loan amount $500. Maximum loan amount $30,000.
VAN CORTLANDT COOPERATIVE
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3960 Hillman Ave, Bronx, NY, 10463
Debt Consolidation Loan
7.99%
▼
APR7.99%
UpdatedJune 27, 2026
Details
View all rates | Application
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2998 Chili Ave, Rochester, NY, 14624 4537
Debt Relief Loan
8.00%
▼
APR8.00%
UpdatedJune 16, 2026
Details
As Low As; Borrow up to $10,000.00, Delay first payment for 60 days; *
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
801 River St, Ontonagon, MI, 49953 1620
Debt Consolidation Loan
8.00%
▼
APR8.00%
UpdatedJune 16, 2026
Details
On debt consolidation loans, bills that are to be paid with the proceeds must be presented to the Credit Union for payment.
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
5027 Norre Gade, Charlotte Amalie, VI, 00802 6749
Consolidation Loan
8.00%
▼
APR8.00%
UpdatedJune 23, 2026
Details
As Low As
Upper Darby Bell Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
1410 Bywood Ave, Upper Darby, PA, 19082
Consolidation Loan
8.20%
▼
APR8.20%
UpdatedJune 23, 2026
Details
No additional details provided.
CANANDAIGUA
Institution Rating:
A+5.0 ★Texas Ratio: 9.03%
3210 Eastern Blvd, Canandaigua, NY, 14424
Consolidation Loan
8.25%
▼
APR8.25%
UpdatedJune 21, 2026
Details
As Low As
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation Loan
8.49%
▼
APR8.49%
UpdatedJune 23, 2026
Details
No additional details provided.
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
Consolidation Loan
8.49%
▼
APR8.49%
UpdatedJune 26, 2026
Details
No additional details provided.
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation Loans
8.50%
▼
APR8.50%
UpdatedJune 26, 2026
Details
Minimum loan amount $500. Maximum loan amount $30,000.
Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
1400 S Park Ave, Linden, NJ, 07036
CREDIT CRUNCHER (Debt Consolidation) Loan
8.60%
▼
APR8.60%
UpdatedJune 23, 2026
Details
Max $20,000; As Low As; Rates are determined by your personal credit history and payment method, so your rate may differ.; APR = Annual Percentage Rate.; Rates subject to change at any time. Other restrictions & details may apply.
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
Fixed Term Signature Loan Debt Consolidation Special
8.74%
▼
APR8.74%
UpdatedJune 23, 2026
Details
As Low As; $500 - $20,000. Limited time offer
AFL-CIO Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.88%
555 New Jersey Ave NW, Washington, DC, 20001
Bill Payer/Debt Consolidation Loan
8.74%
▼
APR8.74%
UpdatedJune 23, 2026
Details
No additional details provided.
Ridgedale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
124 S Ridgedale AVe, East Hanover, NJ, 07936
Personal and Debt Consolidation Loans
8.75%
▼
APR8.75%
UpdatedJune 23, 2026
Details
As Low As; RATE MAY VARY BASED ON CREDIT WORTHINESS AND TERM. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED.
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
40 Pine St, Stoneham, MA, 02180 2048
Consolidation Loan
8.99%
▼
APR8.99%
UpdatedJune 16, 2026
Details
Up to $10,000; CU will pay vendors directly; current SMEFCU Loans are not eligible
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation Loan
8.99%
▼
APR8.99%
UpdatedJune 16, 2026
Details
No additional details provided.
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation Loans
8.99%
▼
APR8.99%
UpdatedJune 26, 2026
Details
As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Debt Consolidation Loan
9.00%
▼
APR9.00%
UpdatedJune 16, 2026
Details
No additional details provided.
Provident Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
401 S New St, Dover, DE, 19904
Debt Freedom Loan
9.00%
▼
APR9.00%
UpdatedJune 16, 2026
Details
No additional details provided.
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
205 Hance Ave, TINTON FALLS, NJ, 07724
Debt Consolidation Loan
9.00%
▼
APR9.00%
UpdatedJune 16, 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
9.00%
▼
APR9.00%
UpdatedJune 16, 2026
Details
As Low As
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
341 Englewood Ave, Buffalo, NY, 14223 2819
Consolidation Loan
9.00%
▼
APR9.00%
UpdatedJune 23, 2026
Details
As Low As*
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
Debt Consolidation Loan
9.00%
▼
APR9.00%
UpdatedJune 26, 2026
Details
No additional details provided.
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
Debt Consolidation Maximum) Loan
9.20%
▼
APR9.20%
UpdatedJune 16, 2026
Details
$26,000; As Low As
Walker County Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
201 S Duke St, La Fayette, GA, 30728 3518
Debt Consolidation Loans
9.24%
▼
APR9.24%
UpdatedJune 16, 2026
Details
As Low As
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
214 Oil Well Rd, Jackson, TN, 38305 7914
Debt Consolidation Loan
9.24%
▼
APR9.24%
UpdatedJune 16, 2026
Details
No additional details provided.
AFL-CIO Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.88%
555 New Jersey Ave NW, Washington, DC, 20001
Bill Payer/Debt Consolidation Loan
9.24%
▼
APR9.24%
UpdatedJune 23, 2026
Details
No additional details provided.
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
9.25%
▼
APR9.25%
UpdatedJune 16, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
801 BOX BUTTE AVE, HEMINGFORD, NE, 69348 9700
20% Debt Ratio Loan
9.25%
▼
APR9.25%
UpdatedJune 23, 2026
Details
No additional details provided.
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
801 BOX BUTTE AVE, HEMINGFORD, NE, 69348 9700
30% Debt Ratio Loan
9.25%
▼
APR9.25%
UpdatedJune 23, 2026
Details
No additional details provided.
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
801 BOX BUTTE AVE, HEMINGFORD, NE, 69348 9700
40% Debt Ratio Loan
9.25%
▼
APR9.25%
UpdatedJune 23, 2026
Details
No additional details provided.
NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
70 Airport Rd, Concord, NH, 03301 5205
Personal Loan/Debt Consolidation
9.29%
▼
APR9.29%
UpdatedJune 27, 2026
Details
No additional details provided.
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
500 N State Route 89, Prescott, AZ, 86313 5001
Debt Consolidation loans
9.30%
▼
APR9.30%
UpdatedJune 23, 2026
Details
No additional details provided.
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation Loan
9.30%
▼
APR9.30%
UpdatedJune 23, 2026
Details
No additional details provided.
Butler Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
660 N University Blvd, Middletown, OH, 45042 3356
Personal Loan & Debt Consolidation
9.49%
▼
APR9.49%
UpdatedJune 16, 2026
Details
For a limited time, take 1.50% off personal loan rates. Offer available through July 31, 2026.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation Loan
9.49%
▼
APR9.49%
UpdatedJune 16, 2026
Details
No additional details provided.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
9.49%
▼
APR9.49%
UpdatedJune 23, 2026
Details
total not to exceed $40,000
360 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
385 Enfield St, Enfield, CT, 06082 1920
Debt Consolidated Loan
9.49%
▼
APR9.49%
UpdatedJune 23, 2026
Details
$500 Minimum Loan Amount
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
701 Poydras St Ste P140, New Orleans, LA, 70139
Debt Consolidation Loan
9.49%
▼
APR9.49%
UpdatedJune 26, 2026
Details
As Low As; $5,000 to $50,000; 2.00% Loan Origination Fee will be assessed on each loan
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
Consolidation Loan
9.49%
▼
APR9.49%
UpdatedJune 26, 2026
Details
No additional details provided.
NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
70 Airport Rd, Concord, NH, 03301 5205
Personal Loan/Debt Consolidation
9.49%
▼
APR9.49%
UpdatedJune 27, 2026
Details
No additional details provided.
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
500 N State Route 89, Prescott, AZ, 86313 5001
Debt Consolidation loans
9.50%
▼
APR9.50%
UpdatedJune 23, 2026
Details
No additional details provided.
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation Loans
9.50%
▼
APR9.50%
UpdatedJune 26, 2026
Details
As Low As; Minimum loan amount $500. Maximum loan amount $30,000. Loan funds will be paid directly to supplier.
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
Debt Consolidation Loan
9.75%
▼
APR9.75%
UpdatedJune 16, 2026
Details
maximum $35,000
TOWN OF HEMPSTEAD EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1830 Grand Ave, North Baldwin, NY, 11510
Bill Consolidation Loan
9.90%
▼
APR9.90%
UpdatedJune 21, 2026
Details
Available up to $30,000 for qualified members. Simplify your bill payment and organize your personal finances.
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME, 04330
Personal & Debt Consolidation Loan
9.95%
▼
APR9.95%
UpdatedJune 26, 2026
Details
As low as; Maximum Amount: $10,000
Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1617 6th Ave Fl 5, Seattle, WA, 98101
Debt Consolidation Loan
9.97%
▼
APR9.97%
UpdatedJune 23, 2026
Details
No additional details provided.
Mutual Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1000 Bridgeport Ave Ste 503, SHELTON, CT, 06484 4602
Personal Unsecured / Debt Consolidation Loan
9.99%
▼
APR9.99%
UpdatedJune 16, 2026
Details
F
Somerville Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
236 Holland St, Somerville, MA, 02144
Debt Consolidation Loan
9.99%
▼
APR9.99%
UpdatedJune 16, 2026
Details
As Low As; to $15,000
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, New York, NY, 10036 2508
Balance Consolidation Loan
9.99%
▼
APR9.99%
UpdatedJune 16, 2026
Details
No additional details provided.
Stoneham Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
40 Pine St, Stoneham, MA, 02180 2048
Consolidation Loan
9.99%
▼
APR9.99%
UpdatedJune 16, 2026
Details
Up to $10,000; CU will pay vendors directly; current SMEFCU Loans are not eligible
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation Loan
9.99%
▼
APR9.99%
UpdatedJune 16, 2026
Details
No additional details provided.
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Debt Consolidation Loan
9.99%
▼
APR9.99%
UpdatedJune 16, 2026
Details
APR with Discount as low as*: 9.49%
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.48%
915 N Harrison Ave, Cary, NC, 27513 3904
Debt Consolidation Loans
9.99%
▼
APR9.99%
UpdatedJune 16, 2026
Details
As Low As; Maximum term for lowest rate is 60 months.
KeyPoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
7062 Market Place Dr, Goleta, CA, 93117 5902
Debt Consolidation Loan
9.99%
▼
APR9.99%
UpdatedJune 16, 2026
Details
No additional details provided.
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
125 Wireless Blvd, Hauppauge, NY, 11788 3971
Debt Consolidation Loan
9.99%
▼
APR9.99%
UpdatedJune 23, 2026
Details
Qualifications Required: direct deposit of net pay and a checking account; 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: 0.45%
516 Spring St, Windsor Locks, CT, 06096
Debt Consolidation Loans
9.99%
▼
APR9.99%
UpdatedJune 23, 2026
Details
No additional details provided.
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
516 Spring St, Windsor Locks, CT, 06096
Debt Consolidation Loans 1 Year
9.99%
▼
APR9.99%
UpdatedJune 23, 2026
Details
As Low As
360 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
385 Enfield St, Enfield, CT, 06082 1920
Debt Consolidated Loan
9.99%
▼
APR9.99%
UpdatedJune 23, 2026
Details
No additional details provided.
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation Loans
9.99%
▼
APR9.99%
UpdatedJune 26, 2026
Details
Minimum loan amount $500. Maximum loan amount $30,000.
NEW HAMPSHIRE
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
70 Airport Rd, Concord, NH, 03301 5205
Personal Loan/Debt Consolidation
9.99%
▼
APR9.99%
UpdatedJune 27, 2026
Details
No additional details provided.
Self Memorial Hospital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
315 EPTING AVE, GREENWOOD, SC, 29646 4039
Debt Consolidation Loans
10.00%
▼
APR10.00%
UpdatedJune 16, 2026
Details
All rates (APR) are as low as
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
DebtBuster/No Equity Loan
10.00%
▼
APR10.00%
UpdatedJune 16, 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
10.00%
▼
APR10.00%
UpdatedJune 16, 2026
Details
As Low As
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation Loan
10.05%
▼
APR10.05%
UpdatedJune 23, 2026
Details
No additional details provided.
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI, 49548 2306
Debt Consolidation Loan
10.09%
▼
APR10.09%
UpdatedJune 16, 2026
Details
No additional details provided.
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, New York, NY, 10036 2508
Balance Consolidation Loan
10.24%
▼
APR10.24%
UpdatedJune 16, 2026
Details
No additional details provided.
Point West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Consolidation Loan
10.24%
▼
APR10.24%
UpdatedJune 26, 2026
Details
As Low As
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
10.25%
▼
APR10.25%
UpdatedJune 16, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, New York, NY, 10036 2508
Balance Consolidation Loan
10.49%
▼
APR10.49%
UpdatedJune 16, 2026
Details
No additional details provided.
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1460 Broad St, Bloomfield, NJ, 07003
Debt Consolidation Loan
10.49%
▼
APR10.49%
UpdatedJune 16, 2026
Details
No additional details provided.
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
516 Spring St, Windsor Locks, CT, 06096
Debt Consolidation Loans
10.49%
▼
APR10.49%
UpdatedJune 23, 2026
Details
No additional details provided.
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
516 Spring St, Windsor Locks, CT, 06096
Debt Consolidation Loans 2 Years
10.49%
▼
APR10.49%
UpdatedJune 23, 2026
Details
As Low As
Atchison Village Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
Consolidation Loan
10.49%
▼
APR10.49%
UpdatedJune 26, 2026
Details
No additional details provided.
Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.46%
1250 Shelburne Rd, South Burlington, VT, 05403 7783
Debt Consolidation Loans
10.49%
▼
APR10.49%
UpdatedJune 26, 2026
Details
No additional details provided.
Tonawanda Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
10 Jefferson Square Ave, Batavia, NY, 14020
Debt Consolidation Loan
10.50%
▼
APR10.50%
UpdatedJune 26, 2026
Details
As Low As; Debt Consolidation
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
1795 English Rd, Rochester, NY, 14616
Consolidation Loans
10.50%
▼
APR10.50%
UpdatedJune 26, 2026
Details
As Low As; Max Amount: $15,000
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation Loans
10.50%
▼
APR10.50%
UpdatedJune 26, 2026
Details
Minimum loan amount $500. Maximum loan amount $30,000.
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Debt Consolidation Unsecured - up to 48 months Loan
10.74%
▼
APR10.74%
UpdatedJune 16, 2026
Details
No additional details provided.
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Debt Consolidation Unsecured Loan
10.74%
▼
APR10.74%
UpdatedJune 16, 2026
Details
No additional details provided.
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, New York, NY, 10036 2508
Balance Consolidation Loan
10.74%
▼
APR10.74%
UpdatedJune 16, 2026
Details
No additional details provided.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
10.74%
▼
APR10.74%
UpdatedJune 23, 2026
Details
total not to exceed $40,000
PSE Credit Union Inc
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
5255 Regency Dr, Parma, OH, 44129 5453
Personal/Signature/Bill Consolidation Loans
10.75%
▼
APR10.75%
UpdatedJune 27, 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 - 49 to 60 months Loan
10.89%
▼
APR10.89%
UpdatedJune 16, 2026
Details
No additional details provided.
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Debt Consolidation Unsecured Loan
10.89%
▼
APR10.89%
UpdatedJune 16, 2026
Details
No additional details provided.
Connecticut Labor Dept Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
200 Folly Brook Blvd, Wethersfield, CT, 06109
Debt Consolidation Loan
10.90%
▼
APR10.90%
UpdatedJune 23, 2026
Details
As Low As; $10,000.00 maximum limit
Mutual Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1000 Bridgeport Ave Ste 503, SHELTON, CT, 06484 4602
Personal Unsecured / Debt Consolidation Loan
10.99%
▼
APR10.99%
UpdatedJune 16, 2026
Details
F
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, New York, NY, 10036 2508
Balance Consolidation Loan
10.99%
▼
APR10.99%
UpdatedJune 16, 2026
Details
No additional details provided.
GARDEN SAVINGS
Institution Rating:
A+5.0 ★Texas Ratio: 8.45%
129 Littleton Rd, Parsippany, NJ, 07054 1869
Personal Loan (including Debt Consolidation)
10.99%
▼
APR10.99%
UpdatedJune 21, 2026
Details
No additional details provided.
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
516 Spring St, Windsor Locks, CT, 06096
Debt Consolidation Loans
10.99%
▼
APR10.99%
UpdatedJune 23, 2026
Details
No additional details provided.
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
516 Spring St, Windsor Locks, CT, 06096
Debt Consolidation Loans 3 Years
10.99%
▼
APR10.99%
UpdatedJune 23, 2026
Details
As Low As
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME, 04103
Personal Loans & Debt Consolidation Loans
10.99%
▼
APR10.99%
UpdatedJune 26, 2026
Details
Minimum loan amount $500. Maximum loan amount $30,000.
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Consolidation Loans
10.99%
▼
APR10.99%
UpdatedJune 26, 2026
Details
No additional details provided.
WSSC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
14501 Sweitzer Ln, Laurel, MD, 20707
Debt Consolidation Loan
11.00%
▼
APR11.00%
UpdatedJune 16, 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
11.00%
▼
APR11.00%
UpdatedJune 16, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Personal and Debt Consolidation Loan
11.24%
▼
APR11.24%
UpdatedJune 23, 2026
Details
No additional details provided.
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
11.25%
▼
APR11.25%
UpdatedJune 16, 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: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation Loan
11.30%
▼
APR11.30%
UpdatedJune 23, 2026
Details
No additional details provided.
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Debt Consolidation Loan
11.49%
▼
APR11.49%
UpdatedJune 16, 2026
Details
APR with Discount as low as*: 10.99%
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6640 Bay Rd, Saginaw, MI, 48604
Debt Consolidation Loan
11.49%
▼
APR11.49%
UpdatedJune 16, 2026
Details
As Low As; Loans are based on credit approval. Rates are subject to change without notice. Call the credit union for current rate. Rates are based on the applicant's credit score. There are no transaction, membership, activity, or participation fees.
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
516 Spring St, Windsor Locks, CT, 06096
Debt Consolidation Loans
11.49%
▼
APR11.49%
UpdatedJune 23, 2026
Details
Loan amount of $4,000 and higher
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
516 Spring St, Windsor Locks, CT, 06096
Debt Consolidation Loans 4 Years
11.49%
▼
APR11.49%
UpdatedJune 23, 2026
Details
As Low As; ($4,000 and higher)
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
516 Spring St, Windsor Locks, CT, 06096
Debt Management Loans
11.49%
▼
APR11.49%
UpdatedJune 23, 2026
Details
As Low As
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Consolidation Loans
11.49%
▼
APR11.49%
UpdatedJune 26, 2026
Details
No additional details provided.
Tonawanda Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
10 Jefferson Square Ave, Batavia, NY, 14020
Debt Consolidation Loan
11.50%
▼
APR11.50%
UpdatedJune 26, 2026
Details
As Low As; Debt Consolidation
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME, 04103 1038
Debt Consolidation Loan
11.74%
▼
APR11.74%
UpdatedJune 11, 2026
Details
As Low As; *
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
11.74%
▼
APR11.74%
UpdatedJune 23, 2026
Details
total not to exceed $40,000
Mutual Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1000 Bridgeport Ave Ste 503, SHELTON, CT, 06484 4602
Personal Unsecured / Debt Consolidation Loan
11.99%
▼
APR11.99%
UpdatedJune 16, 2026
Details
F
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
120 W Carlson St, Cheyenne, WY, 82009
Debt Consolidation Loans
11.99%
▼
APR11.99%
UpdatedJune 23, 2026
Details
No additional details provided.
Power Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Consolidation Loans
11.99%
▼
APR11.99%
UpdatedJune 26, 2026
Details
No additional details provided.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Debt Consolidation Loan
11.99%
▼
APR11.99%
UpdatedJune 27, 2026
Details
As Low As; Loyalty Discount**
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
202 BUSSEY ST, DEDHAM, MA, 02026
DEBT CONSOLIDATION Loan
12.00%
▼
APR12.00%
UpdatedJune 16, 2026
Details
FICO Score: 790+
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%
UpdatedJune 16, 2026
Details
As Low As
Rancho Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
12620 Erickson Ave Ste H, Downey, CA, 90242 4019
Consolidation Loans
12.00%
▼
APR12.00%
UpdatedJune 23, 2026
Details
Loan amounts up to $25,000. No annual or prepayment penalties.
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
300 S Glendale Ave, Glendale, CA, 91205 5305
Debt Consolidation Loan
12.00%
▼
APR12.00%
UpdatedJune 23, 2026
Details
No additional details provided.
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
302 W Towne St, Glendive, MT, 59330 1744
Debt Consolidation Loan
12.00%
▼
APR12.00%
UpdatedJune 23, 2026
Details
No additional details provided.
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
Debt Consolidation Loan
12.05%
▼
APR12.05%
UpdatedJune 23, 2026
Details
Maximum APR: 18.00%
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
12.20%
▼
APR12.20%
UpdatedJune 16, 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: 3.24%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Personal and Debt Consolidation Loan
12.24%
▼
APR12.24%
UpdatedJune 23, 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 Loan
12.25%
▼
APR12.25%
UpdatedJune 23, 2026
Details
MAXIMUM $5,000. CALL CREDIT UNION FOR ELIGIBILITY; Fixed
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation Loan
12.30%
▼
APR12.30%
UpdatedJune 23, 2026
Details
No additional details provided.
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
12.30%
▼
APR12.30%
UpdatedJune 26, 2026
Details
As Low As; 1
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
12.35%
▼
APR12.35%
UpdatedJune 26, 2026
Details
As Low As; 1
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
12.40%
▼
APR12.40%
UpdatedJune 26, 2026
Details
As Low As; 1
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
12.45%
▼
APR12.45%
UpdatedJune 26, 2026
Details
As Low As; 1
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 Loan
12.49%
▼
APR12.49%
UpdatedJune 16, 2026
Details
As Low As
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Debt Consolidation Loan
12.49%
▼
APR12.49%
UpdatedJune 16, 2026
Details
APR with Discount as low as*: 11.99%
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1619 Plainfield AVE NE, Grand Rapids, MI, 49505 4703
Debt Consolidation Loan
12.49%
▼
APR12.49%
UpdatedJune 16, 2026
Details
No additional details provided.
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
1020 S Brawley Ave, Brawley, CA, 92227
Debt Consolidation Loan
12.74%
▼
APR12.74%
UpdatedJune 11, 2026
Details
As Low As; based on term
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
12.74%
▼
APR12.74%
UpdatedJune 23, 2026
Details
total not to exceed $40,000
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Consolidation Loan
12.90%
▼
APR12.90%
UpdatedJune 11, 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%
UpdatedJune 16, 2026
Details
As Low As
Central Credit Union of Maryland
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
8501 La Salle Rd, Baltimore, MD, 21286 5914
Debt Consolidation Loan
12.90%
▼
APR12.90%
UpdatedJune 16, 2026
Details
As Low As
PIONEER VALLEY
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
246 Brookdale Dr, Springfield, MA, 01104
Debt Consolidation Loan
12.95%
▼
APR12.95%
UpdatedJune 21, 2026
Details
Rates as low as APR1
Mutual Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1000 Bridgeport Ave Ste 503, SHELTON, CT, 06484 4602
Personal Unsecured / Debt Consolidation Loan
12.99%
▼
APR12.99%
UpdatedJune 16, 2026
Details
F
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%
UpdatedJune 16, 2026
Details
As Low As
Elizabeth NJ Firemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
411 Irvington Ave, Elizabeth, NJ, 07208 2044
Debt Consolidation Loan
13.00%
▼
APR13.00%
UpdatedJune 23, 2026
Details
UP TO $30,000.00, A and A+ paper only
Cornerstone Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
1515 Black Rock Tpke, Fairfield, CT, 06825
CONSOLIDATION Loan
13.00%
▼
APR13.00%
UpdatedJune 27, 2026
Details
No additional details provided.
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
Debt Consolidation Loan
13.05%
▼
APR13.05%
UpdatedJune 23, 2026
Details
Maximum APR: 18.00%
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Personal and Debt Consolidation Loan
13.24%
▼
APR13.24%
UpdatedJune 23, 2026
Details
No additional details provided.
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
Debt Consolidation Loan
13.25%
▼
APR13.25%
UpdatedJune 16, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
9901 S Kedzie Ave, Evergreen Park, IL, 60805 3416
Debt Consolidation Loan
13.25%
▼
APR13.25%
UpdatedJune 16, 2026
Details
Credit Union rates range from ONLY 7.25% to 13.25%; Maximum loan amount $15,000
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
20101 Hamilton Ave Ste 150, Torrance, CA, 90502 1306
Signature/Debt Consolidation Loan
13.30%
▼
APR13.30%
UpdatedJune 23, 2026
Details
No additional details provided.
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
13304 Alondra Blvd, Cerritos, CA, 90703
Special Debt Consolidation Loan
13.49%
▼
APR13.49%
UpdatedJune 26, 2026
Details
As Low As; **
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
274 Rugar St, Plattsburgh, NY, 12901
Debt Consolidation Loan
13.50%
▼
APR13.50%
UpdatedJune 16, 2026
Details
As Low As; APR*
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
390 W Seneca St, Sherrill, NY, 13461
Consolidation Loan
13.60%
▼
APR13.60%
UpdatedJune 23, 2026
Details
No additional details provided.
Torrington Municipal & Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
777 E Main St, Torrington, CT, 06790 3915
Debt Consolidation Loans
13.99%
▼
APR13.99%
UpdatedJune 16, 2026
Details
As low as; Debt Consolidation Loans
Inland Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
9389 Cherry Ave, Fontana, CA, 92335
Debt Consolidation Loan
13.99%
▼
APR13.99%
UpdatedJune 23, 2026
Details
As Low As; $30,000 maximum - consolidate your high rate loans. Risked Based Lending system. Rates may be adjusted based on Transunion Vantage Score.
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
202 BUSSEY ST, DEDHAM, MA, 02026
DEBT CONSOLIDATION Loan
14.00%
▼
APR14.00%
UpdatedJune 16, 2026
Details
FICO Score: 720 -789
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV, 26041 1605
Debt Consolidation Loan
14.00%
▼
APR14.00%
UpdatedJune 16, 2026
Details
(checks written to creditors, accounts must be closed)
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
516 Spring St, Windsor Locks, CT, 06096
Debt Management Loans
14.24%
▼
APR14.24%
UpdatedJune 23, 2026
Details
As Low As
Lincoln Public School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
5621 N St, Lincoln, NE, 68510
Debt Consolidation Loan
14.40%
▼
APR14.40%
UpdatedJune 23, 2026
Details
10K Limit >600 Credit Score
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
14.45%
▼
APR14.45%
UpdatedJune 26, 2026
Details
As Low As; 1
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
14550 Aviation Blvd, Hawthorne, CA, 90250
Debt Consolidation Loan
14.49%
▼
APR14.49%
UpdatedJune 16, 2026
Details
No additional details provided.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
14.49%
▼
APR14.49%
UpdatedJune 23, 2026
Details
total not to exceed $40,000
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY, 12207
Debt Consolidation Loan
14.50%
▼
APR14.50%
UpdatedJune 16, 2026
Details
No additional details provided.
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
390 W Seneca St, Sherrill, NY, 13461
Consolidation Loan
14.85%
▼
APR14.85%
UpdatedJune 23, 2026
Details
No additional details provided.
Chelsea Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
311 Chestnut St, Chelsea, MA, 02150
Debt Consolidation Loan
14.90%
▼
APR14.90%
UpdatedJune 23, 2026
Details
$15,000 Maximum
Central Jersey Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2430 Hamilton Ave, Hamilton, NJ, 08619
Debt Consolidation Loan
14.99%
▼
APR14.99%
UpdatedJune 23, 2026
Details
Max of $20,000.00
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
14.99%
▼
APR14.99%
UpdatedJune 23, 2026
Details
total not to exceed $40,000
ELLIS COUNTY TEACHERS AND EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
1001 BUTCHER RD, WAXAHACHIE, TX, 75165
Consolidation Loan
15.00%
▼
APR15.00%
UpdatedJune 21, 2026
Details
UP TO $2,500.00
Riverbank Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
516 Spring St, Windsor Locks, CT, 06096
Debt Management Loans
15.24%
▼
APR15.24%
UpdatedJune 23, 2026
Details
As Low As
Lincoln Public School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
5621 N St, Lincoln, NE, 68510
Debt Consolidation Loan
15.40%
▼
APR15.40%
UpdatedJune 23, 2026
Details
Payroll deduction or ACH
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC, 27103 5779
Debt Consolidation Loan
15.45%
▼
APR15.45%
UpdatedJune 16, 2026
Details
No additional details provided.
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
15.49%
▼
APR15.49%
UpdatedJune 23, 2026
Details
total not to exceed $40,000
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
202 BUSSEY ST, DEDHAM, MA, 02026
DEBT CONSOLIDATION Loan
15.75%
▼
APR15.75%
UpdatedJune 16, 2026
Details
FICO Score: 670 - 719
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Debt Consolidation Loans
16.00%
▼
APR16.00%
UpdatedJune 16, 2026
Details
No additional details provided.
Massachusetts Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
51 Willow St, Lynn, MA, 01901
Debt Consolidation Loan
16.00%
▼
APR16.00%
UpdatedJune 16, 2026
Details
No additional details provided.
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
770 Golden Gate Ave, San Francisco, CA, 94102 3120
Debt Consolidation Loans
16.44%
▼
APR16.44%
UpdatedJune 26, 2026
Details
As Low As; 1
Picatinny Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
100 Mineral Springs RD, Dover, NJ, 07801
Debt Consolidation Loan
16.49%
▼
APR16.49%
UpdatedJune 23, 2026
Details
total not to exceed $40,000
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
202 BUSSEY ST, DEDHAM, MA, 02026
DEBT CONSOLIDATION Loan
16.75%
▼
APR16.75%
UpdatedJune 16, 2026
Details
FICO Score: 630 - 669
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
721 Lakefront Cmns, Newport News, VA, 23606
Debt Consolidation Loan
16.99%
▼
APR16.99%
UpdatedJune 16, 2026
Details
No additional details provided.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI, 48823 8029
Debt Consolidation Loan
17.99%
▼
APR17.99%
UpdatedJune 26, 2026
Details
As Low As
Dedham Town Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
202 BUSSEY ST, DEDHAM, MA, 02026
DEBT CONSOLIDATION Loan
18.00%
▼
APR18.00%
UpdatedJune 16, 2026
Details
FICO Score: 500 - 629
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.98%
1112 Saint Nicholas Ave, New York, NY, 10032
Debt Consolidation Loans
18.00%
▼
APR18.00%
UpdatedJune 26, 2026
Details
Fixed rate; discount with direct deposit; $20 application fee; 1% origination fee* (upon approval of the loan)
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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
10.92%
Debt consolidation loan APRs currently average 10.92% APR, compiled from verified rates across banks and credit unions nationwide.
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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: 4.75% APR (Loan Consolidation (10 year))
- HAWAIIAN ELECTRIC EMPLOYEES: 4.75% APR (Bill Consolidation Loan2)
- Freedom Of Maryland Federal Credit Union: 4.99% APR (Debt Consolidation Loan)
- Freedom Of Maryland Federal Credit Union: 4.99% APR (Debt Consolidation Loans)
Rates reflect actual verified offers. Last Updated: June 27, 2026
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