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Steele, Alabama Best Personal Loan Rates - August 2026

Current personal loan options available to borrowers in Steele, Alabama include: Mid Island Federal Credit UnionMid Island Federal Credit UnionA+5.0 ★Texas Ratio: 3.50% offering Other Loans - Personal at 5.00% APR, Garden Island Federal Credit UnionGarden Island Federal Credit UnionA+5.0 ★Texas Ratio: 2.31% offering Personal Loan at 5.00% APR, Hotel And Travel Industry Federal Credit UnionHotel And Travel Industry Federal Credit UnionA5.0 ★Texas Ratio: 7.21% offering Signature W/Collateral Loan at 6.50% APR, Lanai Federal Credit UnionLanai Federal Credit UnionA+5.0 ★Texas Ratio: 0.58% offering Platinum Personal Loan at 7.00% APR, and Platinum Federal Credit UnionPlatinum Federal Credit UnionA+5.0 ★Texas Ratio: 1.87% offering Personal Loan at 7.25% APR. Personal loan rates as of August 28, 2026 according to verified data from MonitorBankRates.

Steele borrowers have access to 66 lenders serving the Alabama area, with personal loan rates as low as 5.00% APR from Mid Island Federal Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.

We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Steele, Alabama.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Steele, Alabama. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: August 28, 2026

Steele Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Mid Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
Other Loans - Personal
5.00%
APR5.00%
Last UpdatedAugust 29, 2026
Details

As low as; Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Personal Loan
5.00%
APR5.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Signature W/Collateral Loan
6.50%
APR6.50%
Last UpdatedAugust 29, 2026
Details

As low as

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Platinum Personal Loan
7.00%
APR7.00%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $15,000

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Signature W/Collateral Loan
7.00%
APR7.00%
Last UpdatedAugust 29, 2026
Details

As low as

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Personal Loans
7.25%
APR7.25%
Last UpdatedAugust 29, 2026
Details

As low as

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Personal Loan
7.25%
APR7.25%
Last UpdatedAugust 29, 2026
Details

As low as

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Signature Loan
7.25%
APR7.25%
Last UpdatedAugust 29, 2026
Details

As low as

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Platinum Personal Loan
7.50%
APR7.50%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $15,000

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Signature W/Collateral Loan
7.50%
APR7.50%
Last UpdatedAugust 29, 2026
Details

As low as

Demopolis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Signature Loans
7.50%
APR7.50%
Last UpdatedAugust 29, 2026
Details

As Low As

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
Unsecured / Signature Loan
7.50%
APR7.50%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Personal Loans
7.75%
APR7.75%
Last UpdatedAugust 29, 2026
Details

As low as

EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
7.99%
APR7.99%
Last UpdatedAugust 29, 2026
Details

As Low As; Max amount of $20,000.00

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Platinum Personal Loan
8.00%
APR8.00%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $15,000

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Preferred Personal Loan
8.00%
APR8.00%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $15,000

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Signature W/Collateral Loan
8.00%
APR8.00%
Last UpdatedAugust 29, 2026
Details

As low as

WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Personal Loan
8.00%
APR8.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

FEDMONT
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
Personal (Unsecured) Loans
8.00%
APR8.00%
Last UpdatedAugust 29, 2026
Details

$2,500 to $10,000

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Personal Loans
8.25%
APR8.25%
Last UpdatedAugust 29, 2026
Details

As low as

Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
Signature Loans
8.49%
APR8.49%
Last UpdatedAugust 29, 2026
Details

Rates as Low As

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Signature Loans
8.49%
APR8.49%
Last UpdatedAugust 29, 2026
Details

As Low As

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Preferred Personal Loan
8.50%
APR8.50%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $15,000

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Signature W/Collateral Loan
8.50%
APR8.50%
Last UpdatedAugust 29, 2026
Details

As low as

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
Unsecured/Signature Loans
8.50%
APR8.50%
Last UpdatedAugust 29, 2026
Details

Advertised "as low as" annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Personal Loans
8.75%
APR8.75%
Last UpdatedAugust 29, 2026
Details

As low as

Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.35%
Other Unsecured Loan
8.90%
APR8.90%
Last UpdatedAugust 29, 2026
Details

As Low As

Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.35%
Unsecured Loan
8.90%
APR8.90%
Last UpdatedAugust 29, 2026
Details

As Low As

Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Personal Loan
8.90%
APR8.90%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Personal Loan
8.90%
APR8.90%
Last UpdatedAugust 29, 2026
Details

As Low As; APRs ranging from 8.90% to 17.90%.

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
Pool Loans
8.95%
APR8.95%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
Signature Loans
8.95%
APR8.95%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Solutions First Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.79%
Pool Loans
8.95%
APR8.95%
Last UpdatedAugust 29, 2026
Details

As Low As; Rates and credit approval may vary based on credit score and maturity.

Solutions First Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.79%
Signature Loans
8.95%
APR8.95%
Last UpdatedAugust 29, 2026
Details

As Low As; Rates and credit approval may vary based on credit score and maturity.

HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★Texas Ratio: 38.77%
Unsecured Loan
8.99%
APR8.99%
Last UpdatedAugust 29, 2026
Details

Credit Rating: S (775+); Unsecured Limit: $15,000.00

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Consolidation Loan
8.99%
APR8.99%
Last UpdatedAugust 29, 2026
Details

Checks to creditors, no internal refinances, no cash out.

Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
Personal Loans
8.99%
APR8.99%
Last UpdatedAugust 29, 2026
Details

Rates subject to credit score and term

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Kasasa Personal Loan - Signature Loans
8.99%
APR8.99%
Last UpdatedAugust 29, 2026
Details

As low as

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Preferred Personal Loan
9.00%
APR9.00%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $15,000

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Personal Loans
9.25%
APR9.25%
Last UpdatedAugust 29, 2026
Details

As low as

WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Personal Loan
9.25%
APR9.25%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Alabama Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Personal Loans
9.38%
APR9.38%
Last UpdatedAugust 29, 2026
Details

As Low As

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Personal Signature Loan
9.49%
APR9.49%
Last UpdatedAugust 29, 2026
Details

Fixed APR as low as; All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.

New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Personal/Signature Loan
9.49%
APR9.49%
Last UpdatedAugust 29, 2026
Details

As Low As

Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
Unsecured Loan
9.50%
APR9.50%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Chattahoochee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Signature Loan
9.50%
APR9.50%
Last UpdatedAugust 29, 2026
Details

As Low As; Rates are subject to change without notice. Your rate will be calculated based on the type of loan requested, the term of the loan, collateral offered, other services you use at Chattahoochee Federal Credit Union, and your own credit history. This allows us to give each individual member a tailor-made rate. So, it really does pay you to achieve and maintain good credit!

FLORENCE
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Personal Unsecured Loan
9.50%
APR9.50%
Last UpdatedAugust 29, 2026
Details

As Low As

Alabama Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Personal Loans
9.63%
APR9.63%
Last UpdatedAugust 29, 2026
Details

As Low As

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Personal Loan
9.74%
APR9.74%
Last UpdatedAugust 29, 2026
Details

Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.

Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Personal Loans
9.75%
APR9.75%
Last UpdatedAugust 29, 2026
Details

As low as

Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.87%
Personal Property Loan
9.75%
APR9.75%
Last UpdatedAugust 29, 2026
Details

Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.

Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Personal Signature Loans (Closed End)
9.75%
APR9.75%
Last UpdatedAugust 29, 2026
Details

As Low As

Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Signature Loan
9.75%
APR9.75%
Last UpdatedAugust 29, 2026
Details

As Low As

Alabama Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Personal Loans
9.88%
APR9.88%
Last UpdatedAugust 29, 2026
Details

As Low As

TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Signature Loan
9.95%
APR9.95%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Signature Loan
9.99%
APR9.99%
Last UpdatedAugust 29, 2026
Details

Your credit score will determine your rate, maximum loan amount and term. All loans are subject to credit approval, and final rate may vary based on several factors including FICO 9 credit score, personal credit history and term of loan. Advertised rates are subject to change without notice. Verification of income may be required. Must be 18 years of age to qualify for a loan. Membership at Electrical Credit Union is required to participate.

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Signature/Personal Loan
9.99%
APR9.99%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
Personal Unsecured Loan
9.99%
APR9.99%
Last UpdatedAugust 29, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Personal Loan
9.99%
APR9.99%
Last UpdatedAugust 29, 2026
Details

Up to $15,000

Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Unsecured loan
9.99%
APR9.99%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Personal Loan
9.99%
APR9.99%
Last UpdatedAugust 29, 2026
Details

Term lengths range from 12 to 60 months. The actual APR may vary based on the applicant's credit history.

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Standard Personal Loan
10.00%
APR10.00%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $10,000

Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
Signature/Personal Loan
10.00%
APR10.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Personal Loan
10.00%
APR10.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Signature Loan - Closed End
10.00%
APR10.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Unsecured Loan
10.00%
APR10.00%
Last UpdatedAugust 29, 2026
Details

APR = Annual Percentage Rate. Annual percentage rates are based on credit worthiness. Contact a loan officer to determine what your rate will be. Subject to credit approval. All Credit Union lending policies apply. Subject to some restrictions. All rates are subject to change. Existing fixed rate loans are not eligible to refinance. Fees and other conditions could reduce earnings.

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Personal Loans
10.00%
APR10.00%
Last UpdatedAugust 29, 2026
Details

As Low As; *Annual Percentage Rate

Alabama Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Personal Loans
10.13%
APR10.13%
Last UpdatedAugust 29, 2026
Details

As Low As

Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
Personal Unsecured Loan
10.29%
APR10.29%
Last UpdatedAugust 29, 2026
Details

As Low As

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Personal Loans
10.45%
APR10.45%
Last UpdatedAugust 29, 2026
Details

Rates subject to change. Please call for quote. Additional discounts may be available.

Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Personal Loan
10.49%
APR10.49%
Last UpdatedAugust 29, 2026
Details

As low as; Personal

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Personal Loan
10.49%
APR10.49%
Last UpdatedAugust 29, 2026
Details

Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Standard Personal Loan
10.50%
APR10.50%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $10,000

Councill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
10.50%
APR10.50%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Personal Loans
10.50%
APR10.50%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
Personal Loan
10.50%
APR10.50%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
Personal Term Note Loan
10.50%
APR10.50%
Last UpdatedAugust 29, 2026
Details

$20,000 Maximum - Individual & Joint

Alabama Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Personal Loans
10.63%
APR10.63%
Last UpdatedAugust 29, 2026
Details

As Low As

Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Personal Loans
10.75%
APR10.75%
Last UpdatedAugust 29, 2026
Details

As low as

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Personal Unsecured Signature - 60 months Loan
10.79%
APR10.79%
Last UpdatedAugust 29, 2026
Details

As Low As; Max $50,000

Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loans
10.80%
APR10.80%
Last UpdatedAugust 29, 2026
Details

Signature loan amounts of $500.00 to $15,000.00. Convenient payments using payroll deduction. Electronic Signatures Available.

ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Personal/Signature Loan
10.90%
APR10.90%
Last UpdatedAugust 29, 2026
Details

As low as; Rates based on Credit Score. Exact rate quoted at time of approval; Down payment may be required; Longer terms may require a minimum loan amount; Rates and terms are subject to change without notice

eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Signature Loans - Closed End
10.90%
APR10.90%
Last UpdatedAugust 29, 2026
Details

As Low As;*

HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★Texas Ratio: 38.77%
Unsecured Loan
10.99%
APR10.99%
Last UpdatedAugust 29, 2026
Details

Credit Rating: A (700-774); Unsecured Limit: $10,000.00

Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
Signature / Unsecured Loan
10.99%
APR10.99%
Last UpdatedAugust 29, 2026
Details

As Low As; Intro rate expires: ; Regular APR:

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Personal Unsecured Signature - 72 months Loan
10.99%
APR10.99%
Last UpdatedAugust 29, 2026
Details

As Low As; Max $50,000

The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Personal Loan
10.99%
APR10.99%
Last UpdatedAugust 29, 2026
Details

No additional details available.

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Personal Loan
10.99%
APR10.99%
Last UpdatedAugust 29, 2026
Details

$15,000 - $25,000

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
Personal Loan
10.99%
APR10.99%
Last UpdatedAugust 29, 2026
Details

As Low As; All Rates as of October 31, 2025. Rates are subject to change at any time without notice. APR - Annual Percentage Rate. All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term. Loan Example for the above advertised loan type: $10,000 at 10.99% APR for 36 months = $327.30

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Personal Loan
10.99%
APR10.99%
Last UpdatedAugust 29, 2026
Details

As low as

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Standard Personal Loan
11.00%
APR11.00%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $10,000

WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Personal Loan
11.00%
APR11.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Personal Loan
11.00%
APR11.00%
Last UpdatedAugust 29, 2026
Details

As Low As

Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
Signature Loans
11.00%
APR11.00%
Last UpdatedAugust 29, 2026
Details

As Low As

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
Personal Loan
11.00%
APR11.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Signature Loans
11.20%
APR11.20%
Last UpdatedAugust 29, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Unsecured Loan
11.24%
APR11.24%
Last UpdatedAugust 29, 2026
Details

As low as

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Personal Loan
11.24%
APR11.24%
Last UpdatedAugust 29, 2026
Details

Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.

Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature (Unsecured) Loan
11.49%
APR11.49%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Signature Loan
11.50%
APR11.50%
Last UpdatedAugust 29, 2026
Details

As Low As

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
Personal Loan
11.50%
APR11.50%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Signature Loan
11.75%
APR11.75%
Last UpdatedAugust 29, 2026
Details

As Low As

eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Signature Loans - Closed End
11.90%
APR11.90%
Last UpdatedAugust 29, 2026
Details

As Low As;*

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Personal Loan
11.99%
APR11.99%
Last UpdatedAugust 29, 2026
Details

$25,000 or more

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Personal Loan
11.99%
APR11.99%
Last UpdatedAugust 29, 2026
Details

Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Signature Loans - Open End
12.00%
APR12.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Personal Loan
12.00%
APR12.00%
Last UpdatedAugust 29, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Unsecured Loan
12.24%
APR12.24%
Last UpdatedAugust 29, 2026
Details

As low as

Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Personal Loans
12.75%
APR12.75%
Last UpdatedAugust 29, 2026
Details

As low as

Social Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
Personal Loan (Closed End)
12.75%
APR12.75%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Personal Lines of Credit (Open End) Loan
12.75%
APR12.75%
Last UpdatedAugust 29, 2026
Details

As Low As

HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★Texas Ratio: 38.77%
Unsecured Loan
12.99%
APR12.99%
Last UpdatedAugust 29, 2026
Details

Credit Rating: B (650-699); Unsecured Limit: $7,500.00

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
Signature Loan
12.99%
APR12.99%
Last UpdatedAugust 29, 2026
Details

Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Personal Loan
13.00%
APR13.00%
Last UpdatedAugust 29, 2026
Details

As Low As

Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.86%
Personal Signature Loans
13.25%
APR13.25%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Personal Loan
13.25%
APR13.25%
Last UpdatedAugust 29, 2026
Details

As Low As; $1000.00 Minimum

Social Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
Personal Loan (Closed End)
13.75%
APR13.75%
Last UpdatedAugust 29, 2026
Details

No additional details available.

eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Signature Loans - Closed End
13.90%
APR13.90%
Last UpdatedAugust 29, 2026
Details

As Low As;*

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
Signature Loan
13.99%
APR13.99%
Last UpdatedAugust 29, 2026
Details

Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Personal Loan
14.00%
APR14.00%
Last UpdatedAugust 29, 2026
Details

As Low As

Social Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
Personal Loan (Closed End)
14.75%
APR14.75%
Last UpdatedAugust 29, 2026
Details

No additional details available.

HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★Texas Ratio: 38.77%
Unsecured Loan
14.99%
APR14.99%
Last UpdatedAugust 29, 2026
Details

Credit Rating: C (600-649); Unsecured Limit: $5,000.00

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
Signature Loan
14.99%
APR14.99%
Last UpdatedAugust 29, 2026
Details

Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Credit Builder Personal Loan
15.00%
APR15.00%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $3,000

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
EZ Open-End Personal Loan
15.00%
APR15.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Personal Loan
15.00%
APR15.00%
Last UpdatedAugust 29, 2026
Details

As Low As; Minimum finance $10,000 up to maximum $25,000

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Credit Builder Personal Loan
16.00%
APR16.00%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $3,000

HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★Texas Ratio: 38.77%
Unsecured Loan
16.99%
APR16.99%
Last UpdatedAugust 29, 2026
Details

Credit Rating: D (550-599); Unsecured Limit: $2,500.00

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Credit Builder Personal Loan
17.00%
APR17.00%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $3,000

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Personal Stretch Loan
17.00%
APR17.00%
Last UpdatedAugust 29, 2026
Details

As Low As; Min $500 up to Max $1,600

HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★Texas Ratio: 38.77%
Unsecured Loan
17.99%
APR17.99%
Last UpdatedAugust 29, 2026
Details

Credit Rating: E (549 -); Unsecured Limit: $1,000.00

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
Personal / Signature Loan
18.00%
APR18.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
Unsecured Loan
18.00%
APR18.00%
Last UpdatedAugust 29, 2026
Details

Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.

Genuine Parts Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
18.00%
APR18.00%
Last UpdatedAugust 29, 2026
Details

Maximum repayment term is 12 months. Maximum interest rate for any Genuine Parts Credit Union loan is 18.00%.

Steele Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Personal Loan
5.00%
APR5.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Platinum Personal Loan
7.00%
APR7.00%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $15,000

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Personal Loans
7.25%
APR7.25%
Last UpdatedAugust 29, 2026
Details

As low as

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Personal Loan
7.25%
APR7.25%
Last UpdatedAugust 29, 2026
Details

As low as

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Platinum Personal Loan
7.50%
APR7.50%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $15,000

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Personal Loans
7.75%
APR7.75%
Last UpdatedAugust 29, 2026
Details

As low as

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Platinum Personal Loan
8.00%
APR8.00%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $15,000

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Preferred Personal Loan
8.00%
APR8.00%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $15,000

WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Personal Loan
8.00%
APR8.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Personal Loans
8.25%
APR8.25%
Last UpdatedAugust 29, 2026
Details

As low as

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Preferred Personal Loan
8.50%
APR8.50%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $15,000

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Personal Loans
8.75%
APR8.75%
Last UpdatedAugust 29, 2026
Details

As low as

Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Personal Loan
8.90%
APR8.90%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Personal Loan
8.90%
APR8.90%
Last UpdatedAugust 29, 2026
Details

As Low As; APRs ranging from 8.90% to 17.90%.

Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
Personal Loans
8.99%
APR8.99%
Last UpdatedAugust 29, 2026
Details

Rates subject to credit score and term

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Kasasa Personal Loan - Signature Loans
8.99%
APR8.99%
Last UpdatedAugust 29, 2026
Details

As low as

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Preferred Personal Loan
9.00%
APR9.00%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $15,000

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Personal Loans
9.25%
APR9.25%
Last UpdatedAugust 29, 2026
Details

As low as

WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Personal Loan
9.25%
APR9.25%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Alabama Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Personal Loans
9.38%
APR9.38%
Last UpdatedAugust 29, 2026
Details

As Low As

Alabama Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Personal Loans
9.63%
APR9.63%
Last UpdatedAugust 29, 2026
Details

As Low As

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Personal Loan
9.74%
APR9.74%
Last UpdatedAugust 29, 2026
Details

Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.

Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Personal Loans
9.75%
APR9.75%
Last UpdatedAugust 29, 2026
Details

As low as

Alabama Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Personal Loans
9.88%
APR9.88%
Last UpdatedAugust 29, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Signature/Personal Loan
9.99%
APR9.99%
Last UpdatedAugust 29, 2026
Details

No additional details available.

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Personal Loan
9.99%
APR9.99%
Last UpdatedAugust 29, 2026
Details

Up to $15,000

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Personal Loan
9.99%
APR9.99%
Last UpdatedAugust 29, 2026
Details

Term lengths range from 12 to 60 months. The actual APR may vary based on the applicant's credit history.

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Standard Personal Loan
10.00%
APR10.00%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $10,000

Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
Signature/Personal Loan
10.00%
APR10.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Personal Loan
10.00%
APR10.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Personal Loans
10.00%
APR10.00%
Last UpdatedAugust 29, 2026
Details

As Low As; *Annual Percentage Rate

Alabama Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Personal Loans
10.13%
APR10.13%
Last UpdatedAugust 29, 2026
Details

As Low As

MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Personal Loans
10.45%
APR10.45%
Last UpdatedAugust 29, 2026
Details

Rates subject to change. Please call for quote. Additional discounts may be available.

Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Personal Loan
10.49%
APR10.49%
Last UpdatedAugust 29, 2026
Details

As low as; Personal

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Personal Loan
10.49%
APR10.49%
Last UpdatedAugust 29, 2026
Details

Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Standard Personal Loan
10.50%
APR10.50%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $10,000

Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Personal Loans
10.50%
APR10.50%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
Personal Loan
10.50%
APR10.50%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Alabama Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Personal Loans
10.63%
APR10.63%
Last UpdatedAugust 29, 2026
Details

As Low As

Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Personal Loans
10.75%
APR10.75%
Last UpdatedAugust 29, 2026
Details

As low as

Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loans
10.80%
APR10.80%
Last UpdatedAugust 29, 2026
Details

Signature loan amounts of $500.00 to $15,000.00. Convenient payments using payroll deduction. Electronic Signatures Available.

The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Personal Loan
10.99%
APR10.99%
Last UpdatedAugust 29, 2026
Details

No additional details available.

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Personal Loan
10.99%
APR10.99%
Last UpdatedAugust 29, 2026
Details

$15,000 - $25,000

Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
Personal Loan
10.99%
APR10.99%
Last UpdatedAugust 29, 2026
Details

As Low As; All Rates as of October 31, 2025. Rates are subject to change at any time without notice. APR - Annual Percentage Rate. All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term. Loan Example for the above advertised loan type: $10,000 at 10.99% APR for 36 months = $327.30

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Personal Loan
10.99%
APR10.99%
Last UpdatedAugust 29, 2026
Details

As low as

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Standard Personal Loan
11.00%
APR11.00%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $10,000

WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Personal Loan
11.00%
APR11.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Personal Loan
11.00%
APR11.00%
Last UpdatedAugust 29, 2026
Details

As Low As

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
Personal Loan
11.00%
APR11.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Personal Loan
11.24%
APR11.24%
Last UpdatedAugust 29, 2026
Details

Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
Personal Loan
11.50%
APR11.50%
Last UpdatedAugust 29, 2026
Details

No additional details available.

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Personal Loan
11.99%
APR11.99%
Last UpdatedAugust 29, 2026
Details

$25,000 or more

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Personal Loan
11.99%
APR11.99%
Last UpdatedAugust 29, 2026
Details

Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Personal Loan
12.00%
APR12.00%
Last UpdatedAugust 29, 2026
Details

As Low As

Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Personal Loans
12.75%
APR12.75%
Last UpdatedAugust 29, 2026
Details

As low as

Social Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
Personal Loan (Closed End)
12.75%
APR12.75%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Personal Loan
13.00%
APR13.00%
Last UpdatedAugust 29, 2026
Details

As Low As

Max Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
Personal Loan
13.25%
APR13.25%
Last UpdatedAugust 29, 2026
Details

As Low As; $1000.00 Minimum

Social Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
Personal Loan (Closed End)
13.75%
APR13.75%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Personal Loan
14.00%
APR14.00%
Last UpdatedAugust 29, 2026
Details

As Low As

Social Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
Personal Loan (Closed End)
14.75%
APR14.75%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Credit Builder Personal Loan
15.00%
APR15.00%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $3,000

North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
EZ Open-End Personal Loan
15.00%
APR15.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Personal Loan
15.00%
APR15.00%
Last UpdatedAugust 29, 2026
Details

As Low As; Minimum finance $10,000 up to maximum $25,000

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Credit Builder Personal Loan
16.00%
APR16.00%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $3,000

Lanai Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Credit Builder Personal Loan
17.00%
APR17.00%
Last UpdatedAugust 29, 2026
Details

Dollar Limit: $3,000

Steele Debt Consolidation Loan Rates

No debt consolidation personal loan rates found in Steele, AL currently.

Steele Signature Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Signature W/Collateral Loan
6.50%
APR6.50%
Last UpdatedAugust 29, 2026
Details

As low as

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Signature W/Collateral Loan
7.00%
APR7.00%
Last UpdatedAugust 29, 2026
Details

As low as

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Signature Loan
7.25%
APR7.25%
Last UpdatedAugust 29, 2026
Details

As low as

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Signature W/Collateral Loan
7.50%
APR7.50%
Last UpdatedAugust 29, 2026
Details

As low as

Demopolis Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Signature Loans
7.50%
APR7.50%
Last UpdatedAugust 29, 2026
Details

As Low As

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
Unsecured / Signature Loan
7.50%
APR7.50%
Last UpdatedAugust 29, 2026
Details

No additional details available.

EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
7.99%
APR7.99%
Last UpdatedAugust 29, 2026
Details

As Low As; Max amount of $20,000.00

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Signature W/Collateral Loan
8.00%
APR8.00%
Last UpdatedAugust 29, 2026
Details

As low as

Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
Signature Loans
8.49%
APR8.49%
Last UpdatedAugust 29, 2026
Details

Rates as Low As

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Signature Loans
8.49%
APR8.49%
Last UpdatedAugust 29, 2026
Details

As Low As

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Signature W/Collateral Loan
8.50%
APR8.50%
Last UpdatedAugust 29, 2026
Details

As low as

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
Unsecured/Signature Loans
8.50%
APR8.50%
Last UpdatedAugust 29, 2026
Details

Advertised "as low as" annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount.

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
Signature Loans
8.95%
APR8.95%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Solutions First Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.79%
Signature Loans
8.95%
APR8.95%
Last UpdatedAugust 29, 2026
Details

As Low As; Rates and credit approval may vary based on credit score and maturity.

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Kasasa Personal Loan - Signature Loans
8.99%
APR8.99%
Last UpdatedAugust 29, 2026
Details

As low as

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Personal Signature Loan
9.49%
APR9.49%
Last UpdatedAugust 29, 2026
Details

Fixed APR as low as; All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.

New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Personal/Signature Loan
9.49%
APR9.49%
Last UpdatedAugust 29, 2026
Details

As Low As

Chattahoochee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Signature Loan
9.50%
APR9.50%
Last UpdatedAugust 29, 2026
Details

As Low As; Rates are subject to change without notice. Your rate will be calculated based on the type of loan requested, the term of the loan, collateral offered, other services you use at Chattahoochee Federal Credit Union, and your own credit history. This allows us to give each individual member a tailor-made rate. So, it really does pay you to achieve and maintain good credit!

Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Personal Signature Loans (Closed End)
9.75%
APR9.75%
Last UpdatedAugust 29, 2026
Details

As Low As

Alabama Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
Signature Loan
9.75%
APR9.75%
Last UpdatedAugust 29, 2026
Details

As Low As

TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
Signature Loan
9.95%
APR9.95%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Signature Loan
9.99%
APR9.99%
Last UpdatedAugust 29, 2026
Details

Your credit score will determine your rate, maximum loan amount and term. All loans are subject to credit approval, and final rate may vary based on several factors including FICO 9 credit score, personal credit history and term of loan. Advertised rates are subject to change without notice. Verification of income may be required. Must be 18 years of age to qualify for a loan. Membership at Electrical Credit Union is required to participate.

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Signature/Personal Loan
9.99%
APR9.99%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
Signature/Personal Loan
10.00%
APR10.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Signature Loan - Closed End
10.00%
APR10.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Councill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
10.50%
APR10.50%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Personal Unsecured Signature - 60 months Loan
10.79%
APR10.79%
Last UpdatedAugust 29, 2026
Details

As Low As; Max $50,000

ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Personal/Signature Loan
10.90%
APR10.90%
Last UpdatedAugust 29, 2026
Details

As low as; Rates based on Credit Score. Exact rate quoted at time of approval; Down payment may be required; Longer terms may require a minimum loan amount; Rates and terms are subject to change without notice

eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Signature Loans - Closed End
10.90%
APR10.90%
Last UpdatedAugust 29, 2026
Details

As Low As;*

Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
Signature / Unsecured Loan
10.99%
APR10.99%
Last UpdatedAugust 29, 2026
Details

As Low As; Intro rate expires: ; Regular APR:

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Personal Unsecured Signature - 72 months Loan
10.99%
APR10.99%
Last UpdatedAugust 29, 2026
Details

As Low As; Max $50,000

Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.56%
Signature Loans
11.00%
APR11.00%
Last UpdatedAugust 29, 2026
Details

As Low As

AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Signature Loans
11.20%
APR11.20%
Last UpdatedAugust 29, 2026
Details

As Low As

Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature (Unsecured) Loan
11.49%
APR11.49%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Signature Loan
11.50%
APR11.50%
Last UpdatedAugust 29, 2026
Details

As Low As

Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Signature Loan
11.75%
APR11.75%
Last UpdatedAugust 29, 2026
Details

As Low As

eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Signature Loans - Closed End
11.90%
APR11.90%
Last UpdatedAugust 29, 2026
Details

As Low As;*

Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Signature Loans - Open End
12.00%
APR12.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
Signature Loan
12.99%
APR12.99%
Last UpdatedAugust 29, 2026
Details

Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.

Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.86%
Personal Signature Loans
13.25%
APR13.25%
Last UpdatedAugust 29, 2026
Details

No additional details available.

eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Signature Loans - Closed End
13.90%
APR13.90%
Last UpdatedAugust 29, 2026
Details

As Low As;*

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
Signature Loan
13.99%
APR13.99%
Last UpdatedAugust 29, 2026
Details

Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.

Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
Signature Loan
14.99%
APR14.99%
Last UpdatedAugust 29, 2026
Details

Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
Personal / Signature Loan
18.00%
APR18.00%
Last UpdatedAugust 29, 2026
Details

No additional details available.

Genuine Parts Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
18.00%
APR18.00%
Last UpdatedAugust 29, 2026
Details

Maximum repayment term is 12 months. Maximum interest rate for any Genuine Parts Credit Union loan is 18.00%.

Steele, AL Personal Loan Rate Trends

Compare local Steele, AL personal loan rates against the statewide average

Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Alabama Personal Loan Trends →
Personal Loan — AL Avg
11.078%
▼ 0.135 vs 7 days ago

Alabama personal loan rates fell 0.135 points over the past 7 days to 11.078% APR.

Signature Loan — AL Avg
10.555%
▼ 0.319 vs 7 days ago

Alabama signature loan rates fell 0.319 points over the past 7 days to 10.555% APR.

As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

What Would Your Monthly Payment Be?

Estimated monthly payments at the current AL average personal loan APR of 11.08%, across the terms lenders serving Steele, Alabama most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.

Loan Amount 24 Months 36 Months 48 Months 60 Months
$5,000 $233.22/mo $163.88/mo $129.42/mo $108.91/mo
$10,000 $466.44/mo $327.76/mo $258.83/mo $217.81/mo
$15,000 $699.66/mo $491.64/mo $388.25/mo $326.72/mo
$25,000 $1,166.10/mo $819.39/mo $647.09/mo $544.53/mo
$35,000 $1,632.54/mo $1,147.15/mo $905.92/mo $762.35/mo

Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.

Consolidating Credit Card Debt in Steele, Alabama

Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the AL personal loan average versus a range of typical credit card APRs.

Repayment Option APR Monthly Payment Total Interest Interest Saved
Personal Loan — AL average 11.08% $388.25 $3,636
Credit card at 18% APR 18.00% $440.62 $6,150 $2,514
Credit card at 22% APR 22.00% $472.59 $7,684 $4,048
Credit card at 26% APR 26.00% $505.76 $9,276 $5,640

The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average — check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.

About Our Steele, Alabama Personal Loan Rate Database

66 Local Lenders Tracked Banks & Credit Unions Updated Daily

Our Steele, Alabama tables currently track 66 banks and credit unions offering personal, debt consolidation, and signature loans to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so what you compare here is what lenders are actually advertising today — not stale or estimated numbers.

The lowest verified personal loan APR in our Steele, Alabama database right now is 5.00% APR from Mid Island Federal Credit Union. Advertised APRs are the lender’s best-qualified rate and generally require strong credit, so treat them as the floor of a range rather than a quote. Prequalifying with a soft credit check is the only way to see the rate you would actually receive.

How to Get the Best Personal Loan Rate in Steele, Alabama

1

Prequalify With a Soft Credit Check

Most lenders serving Steele, Alabama will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying — the advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.

2

Compare APR, Not the Interest Rate

Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.

3

Check Local Credit Unions First

Credit unions consistently publish the lowest personal loan APRs in our Alabama data, and many charge no origination fee. Membership is usually easier than expected — many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.

4

Borrow Only What You Need, for as Short a Term as You Can

Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.

A personal loan may not be the cheapest option for your situation

Steele, Alabama Financial Snapshot

Local demographics and economic context for borrowers — Source: U.S. Census Bureau

$45,543
Median Individual Earnings
National avg: $47,340
5.7%
Unemployment Rate
National avg: 4.8%
7.0%
Poverty Rate
National avg: 11.1%
$388/mo
Payment on a $15K / 48-mo Loan
At the AL average 11.08% APR

A $388 monthly loan payment is roughly 10.2% of the median individual income in Steele, Alabama. Lenders generally want your total monthly debt payments — including housing — to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.

Personal Loan vs. Other Ways to Borrow

A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Steele, Alabama.

Feature Personal Loan Credit Card 0% Balance Transfer Home Equity Loan / HELOC
Typical APR Level Mid — fixed Highest — variable 0% for a promo window Usually lowest
Collateral Required None None None Your home is at risk
Payment Predictability Fixed payment and payoff date Revolving, can last indefinitely Rate jumps when promo ends Fixed for loans, variable for HELOCs
Speed to Funding Often 1–3 business days Immediate if you hold the card Card approval plus transfer time Weeks — appraisal and closing
Upfront Costs Origination fee up to ~10% None Transfer fee, typically 3–5% Closing costs possible
Best For Consolidation and one-off costs, no collateral Small balances paid in full monthly Debt you can clear inside the promo window Large projects when you have equity and time

General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt — missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.

Personal Loan Payment Calculator

Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current AL average — or click any rate on the right to apply it instantly.

$
%
%
Current Rates — Click to Apply
$0
Estimated Monthly Payment
Total Interest Paid$0
Total of All Payments$0
Origination Fee$0
Cash You Actually Receive$0
Total Cost of Borrowing$0

Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds — you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Steele, Alabama personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Steele, Alabama directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Steele, Alabama. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in AL.

Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.

Frequently Asked Questions

What credit score do I need for a personal loan in Alabama?

Most lenders in Steele, Alabama require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Alabama often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Steele, Alabama require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in Alabama?

Yes. Debt consolidation is one of the most common uses of personal loans in Steele, Alabama. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Steele, Alabama?

Credit unions in Steele, Alabama often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What is an origination fee on a personal loan?

An origination fee is a one-time charge some lenders deduct from your loan proceeds, commonly 1% to 10% of the amount borrowed. On a $15,000 loan a 5% fee means you receive $14,250 but still owe interest on the full $15,000. The fee is built into the APR but not the interest rate, so compare lenders serving Steele, Alabama on APR. Many credit unions charge no origination fee at all.

Does checking personal loan rates hurt my credit score?

Prequalifying does not. Most lenders let you check an estimated rate with a soft credit inquiry that is invisible to other lenders and does not affect your score. Only a formal application triggers a hard inquiry. If you submit several full applications, group them within a short shopping window so credit scoring models treat them as one rate-shopping event.

Can I pay off a personal loan early?

Most personal loans from banks and credit unions serving Steele, Alabama carry no prepayment penalty, so paying early reduces your total interest. Confirm before signing, because a small number of lenders charge a prepayment fee or use precomputed interest, which removes the benefit of paying ahead of schedule.

What are the best personal loan rates in Steele, Alabama?

  • Mid Island Federal Credit Union: 5.00% (Other Loans - Personal)
  • Garden Island Federal Credit Union: 5.00% (Personal Loan)
  • Hotel And Travel Industry Federal Credit Union: 6.50% (Signature W/Collateral Loan)
  • Lanai Federal Credit Union: 7.00% (Platinum Personal Loan)
  • Platinum Federal Credit Union: 7.25% (Personal Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Steele, Alabama. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: August 28, 2026.

Steele, Alabama Rates & Resources