Best Personal Loan Rates in Iowa (IA) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Iowa borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Iowa include: Members1st Community Credit UnionMembers1st Community Credit Union104 W Anson St, Marshalltown, IA, 50158A+5.0 ★Texas Ratio: 3.76% offering 61 - 72 Months (Loan must be or more) at 4.74% APR, Fort Dodge Family Credit UnionFort Dodge Family Credit Union407 2nd Ave S, Fort Dodge, IA, 50501A5.0 ★Texas Ratio: 10.12% offering Unsecured at 5.60% APR, Cedar Falls Community Credit UnionCedar Falls Community Credit Union123 W 4th St, Cedar Falls, IA, 50613 2831A+5.0 ★Texas Ratio: 3.75% offering 1 Year Construction Loan at 5.75% APR, R.I.A. Federal Credit UnionR.I.A. Federal Credit Union4343 Utica Ridge Rd, Bettendorf, IA, 52722A5.0 ★Texas Ratio: 7.00% offering 120-month Power Equity Loan at 6.71% APR, and First Class Community Credit UnionFirst Class Community Credit Union2051 Westown Pkwy, West Des Moines, IA, 50265 1541A+5.0 ★Texas Ratio: 1.71% offering Recreational Loans at 7.25% APR. Personal loan rates as of May 7, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Iowa side-by-side. Iowa personal loan rates currently start as low as 4.74% APR from Members1st Community Credit Union at 104 W Anson St, Marshalltown, IA, 50158. 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 Iowa.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Iowa. 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: May 7, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
104 W Anson St, Marshalltown, IA, 50158
61 - 72 Months (Loan must be or more)
4.74%
▼
APR4.74%
Last UpdatedMay 9, 2026
Details
$18,001; As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
104 W Anson St, Marshalltown, IA, 50158
73-84 Months (Loan must be or more & mileage under 25,000 miles)
4.99%
▼
APR4.99%
Last UpdatedMay 9, 2026
Details
$30,001; As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Unsecured
5.60%
▼
APR5.60%
Last UpdatedMay 9, 2026
Details
No additional details available.
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
1 Year Construction Loan
5.75%
▼
APR5.75%
Last UpdatedMay 9, 2026
Details
No additional details available.
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
120-month Power Equity Loan
6.72%
▼
APR6.72%
Last UpdatedMay 9, 2026
Details
No additional details available.
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Recreational Loans
7.25%
▼
APR7.25%
Last UpdatedMay 9, 2026
Details
As Low As; 2024 or Newer
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1200 Associates Dr, Dubuque, IA, 52002 2282
Loan
7.45%
▼
APR7.45%
Last UpdatedMay 9, 2026
Details
No additional details available.
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1200 Associates Dr, Dubuque, IA, 52002 2282
Personal Loan
7.45%
▼
APR7.45%
Last UpdatedMay 9, 2026
Details
As Low As; Offer valid 4/1/2026 - 6/30/2026. Valid only on new loans submitted and approved. Certain qualifications apply.
River Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
644 W 2nd St, Ottumwa, IA, 52501 2358
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedMay 9, 2026
Details
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Recreational Loans
7.75%
▼
APR7.75%
Last UpdatedMay 9, 2026
Details
As Low As; 2023-2021
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
2625 Nw Arterial, Dubuque, IA, 52002
Construction Loan
7.93%
▼
APR7.93%
Last UpdatedMay 9, 2026
Details
Credit Score: 700+
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) Up to 12 Months Relationship Rate
8.00%
▼
APR8.00%
Last UpdatedMay 9, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 13 to 24 Months Relationship Rate
8.20%
▼
APR8.20%
Last UpdatedMay 9, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Recreational Loans
8.25%
▼
APR8.25%
Last UpdatedMay 9, 2026
Details
As Low As; 2020-2018
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) Up to 12 Months
8.25%
▼
APR8.25%
Last UpdatedMay 9, 2026
Details
As Low As
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1200 Associates Dr, Dubuque, IA, 52002 2282
Loan
8.45%
▼
APR8.45%
Last UpdatedMay 9, 2026
Details
No additional details available.
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 13 to 24 Months
8.45%
▼
APR8.45%
Last UpdatedMay 9, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 25 to 36 Months Relationship Rate
8.45%
▼
APR8.45%
Last UpdatedMay 9, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 9, 2026
Details
As Low As
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
739 Pennsylvania Ave, Ottumwa, IA, 52501
Holiday Loan
8.49%
▼
APR8.49%
Last UpdatedMay 9, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Credit Builder Loan
8.50%
▼
APR8.50%
Last UpdatedMay 9, 2026
Details
As Low As; 8.50% (fixed)
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 25 to 36 Months
8.70%
▼
APR8.70%
Last UpdatedMay 9, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Recreational Loans
8.75%
▼
APR8.75%
Last UpdatedMay 9, 2026
Details
As Low As; 2017 or Older
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
801 Lincoln Way, Ames, IA, 50010
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 9, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
IMAGINE LOAN
8.99%
▼
APR8.99%
Last UpdatedMay 9, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Family Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1211 N Grand Ave, Charles City, IA, 50616 1320
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMay 9, 2026
Details
As Low As; * Actual Rate you receive is based on your credit score and term.
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Unsecured
9.10%
▼
APR9.10%
Last UpdatedMay 9, 2026
Details
As Low As; 9.10%
Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
Personal
9.25%
▼
APR9.25%
Last UpdatedMay 9, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedMay 9, 2026
Details
As Low As
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1200 Associates Dr, Dubuque, IA, 52002 2282
Loan
9.45%
▼
APR9.45%
Last UpdatedMay 9, 2026
Details
No additional details available.
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 37 to 48 Months Relationship Rate
9.45%
▼
APR9.45%
Last UpdatedMay 9, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
IMAGINE LOAN
9.49%
▼
APR9.49%
Last UpdatedMay 9, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedMay 9, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Unsecured
9.60%
▼
APR9.60%
Last UpdatedMay 9, 2026
Details
As Low As; 9.60%
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 37 to 48 Months
9.70%
▼
APR9.70%
Last UpdatedMay 9, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedMay 9, 2026
Details
As Low As
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
115 8th Ave SW, Cedar Rapids, IA, 52404
Unsecured Loans - 6 - 24 months
9.99%
▼
APR9.99%
Last UpdatedMay 9, 2026
Details
No additional details available.
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3299 Hillcrest Rd, Dubuque, IA, 52001 3928
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 9, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Signature
9.99%
▼
APR9.99%
Last UpdatedMay 9, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
IMAGINE LOAN
9.99%
▼
APR9.99%
Last UpdatedMay 9, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
739 Pennsylvania Ave, Ottumwa, IA, 52501
Consumer Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 9, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Unsecured
10.25%
▼
APR10.25%
Last UpdatedMay 9, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Signature
10.29%
▼
APR10.29%
Last UpdatedMay 9, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) Up to 60 Relationship Rate
10.45%
▼
APR10.45%
Last UpdatedMay 9, 2026
Details
As Low As
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1200 Associates Dr, Dubuque, IA, 52002 2282
Loan
10.45%
▼
APR10.45%
Last UpdatedMay 9, 2026
Details
No additional details available.
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3299 Hillcrest Rd, Dubuque, IA, 52001 3928
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 9, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
IMAGINE LOAN
10.49%
▼
APR10.49%
Last UpdatedMay 9, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) Up to 60
10.70%
▼
APR10.70%
Last UpdatedMay 9, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Unsecured
10.75%
▼
APR10.75%
Last UpdatedMay 9, 2026
Details
As Low As
Citizens Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
115 S 29th St, Fort Dodge, IA, 50501
Unsecured Loans
10.90%
▼
APR10.90%
Last UpdatedMay 9, 2026
Details
As Low As
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Signature - Up to 60 months
10.99%
▼
APR10.99%
Last UpdatedMay 9, 2026
Details
No additional details available.
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3299 Hillcrest Rd, Dubuque, IA, 52001 3928
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 9, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
IMAGINE LOAN
10.99%
▼
APR10.99%
Last UpdatedMay 9, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
United Credit Union Council Bluffs, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1900 W Broadway, Council Bluffs, IA, 51501
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedMay 9, 2026
Details
No additional details available.
Casebine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
485 W Burlington Ave, Burlington, IA, 52601
General Unsecured
11.04%
▼
APR11.04%
Last UpdatedMay 9, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
2825 Avenue G, Council Bluffs, IA, 51501
Personal Loans (Unsecured)
11.24%
▼
APR11.24%
Last UpdatedMay 9, 2026
Details
As Low As
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.47%
1207 North 2nd Street, Cherokee, IA, 51012
Signature (Closed End)
11.24%
▼
APR11.24%
Last UpdatedMay 9, 2026
Details
As Low As; Maximum Amount Financed: $10,000
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
Personal Loan Greater than
11.25%
▼
APR11.25%
Last UpdatedMay 9, 2026
Details
$5,000
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Unsecured
11.25%
▼
APR11.25%
Last UpdatedMay 9, 2026
Details
As Low As
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1200 Associates Dr, Dubuque, IA, 52002 2282
Loan
11.45%
▼
APR11.45%
Last UpdatedMay 9, 2026
Details
No additional details available.
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
2118 Middle Rd, Bettendorf, IA, 52722
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedMay 9, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
2825 Avenue G, Council Bluffs, IA, 51501
Personal Loans (Unsecured)
11.49%
▼
APR11.49%
Last UpdatedMay 9, 2026
Details
As Low As
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
2019 Grant St, Bettendorf, IA, 52722
Signature loans - No collateral required
11.50%
▼
APR11.50%
Last UpdatedMay 9, 2026
Details
11.50% APR (Rate is based on credit score and automatic payment)
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
2825 Avenue G, Council Bluffs, IA, 51501
Personal Loans (Unsecured)
11.74%
▼
APR11.74%
Last UpdatedMay 9, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Unsecured
11.75%
▼
APR11.75%
Last UpdatedMay 9, 2026
Details
As Low As
Sioux Valley Community Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.29%
1120 6th St, Sioux City, IA, 51101 1908
Unsecured
11.90%
▼
APR11.90%
Last UpdatedMay 9, 2026
Details
Up to $1,000
Sioux Valley Community Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.29%
1120 6th St, Sioux City, IA, 51101 1908
to $2,999 Unsecured
11.90%
▼
APR11.90%
Last UpdatedMay 9, 2026
Details
Over $1,000
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
115 8th Ave SW, Cedar Rapids, IA, 52404
Unsecured Loans - 25 - 48 months
11.99%
▼
APR11.99%
Last UpdatedMay 9, 2026
Details
No additional details available.
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
159 Colorado St, Muscatine, IA, 52761
Unsecured Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMay 9, 2026
Details
No additional details available.
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
915 Short St Ste 105, Decorah, IA, 52101 2412
Unsecured Loan
12.11%
▼
APR12.11%
Last UpdatedMay 9, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
2825 Avenue G, Council Bluffs, IA, 51501
Personal Loans (Unsecured)
12.24%
▼
APR12.24%
Last UpdatedMay 9, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Unsecured
12.25%
▼
APR12.25%
Last UpdatedMay 9, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3299 Hillcrest Rd, Dubuque, IA, 52001 3928
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedMay 9, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Unsecured
12.75%
▼
APR12.75%
Last UpdatedMay 9, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Unsecured
12.99%
▼
APR12.99%
Last UpdatedMay 9, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Unsecured Loan
12.99%
▼
APR12.99%
Last UpdatedMay 9, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Unsecured Loan
13.22%
▼
APR13.22%
Last UpdatedMay 9, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Unsecured
13.22%
▼
APR13.22%
Last UpdatedMay 9, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Unsecured
13.47%
▼
APR13.47%
Last UpdatedMay 9, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Unsecured Loan
13.47%
▼
APR13.47%
Last UpdatedMay 9, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
Signature Loan & Personal Loan
13.50%
▼
APR13.50%
Last UpdatedMay 9, 2026
Details
No additional details available.
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA, 50265
Personal/Unsecured Loan
13.97%
▼
APR13.97%
Last UpdatedMay 9, 2026
Details
Loan Amount: $7,500
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
2920 Gordon Dr, Sioux City, IA, 51105
Personal
14.00%
▼
APR14.00%
Last UpdatedMay 9, 2026
Details
No additional details available.
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1513 S 18th St, Centerville, IA, 52544
Signature
14.00%
▼
APR14.00%
Last UpdatedMay 9, 2026
Details
No additional details available.
First Bank Hampton
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
211 1st Ave Nw, Hampton, IA, 50441
Signature Travel
14.74%
▼
APR14.74%
Last UpdatedMay 9, 2026
Details
Regular APR: 14.74% - 24.74%
First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Safety Check Loan
18.00%
▼
APR18.00%
Last UpdatedMay 9, 2026
Details
Click here for important product information.
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Rapid Cash Loan
18.99%
▼
APR18.99%
Last UpdatedMay 9, 2026
Details
No additional details available.
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
739 Pennsylvania Ave, Ottumwa, IA, 52501
Payday Alternative Loan
19.00%
▼
APR19.00%
Last UpdatedMay 9, 2026
Details
As Low As
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1200 Associates Dr, Dubuque, IA, 52002 2282
Personal Loan
7.45%
▼
APR7.45%
Last UpdatedMay 9, 2026
Details
As Low As; Offer valid 4/1/2026 - 6/30/2026. Valid only on new loans submitted and approved. Certain qualifications apply.
River Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
644 W 2nd St, Ottumwa, IA, 52501 2358
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedMay 9, 2026
Details
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) Up to 12 Months Relationship Rate
8.00%
▼
APR8.00%
Last UpdatedMay 9, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 13 to 24 Months Relationship Rate
8.20%
▼
APR8.20%
Last UpdatedMay 9, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) Up to 12 Months
8.25%
▼
APR8.25%
Last UpdatedMay 9, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 13 to 24 Months
8.45%
▼
APR8.45%
Last UpdatedMay 9, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 25 to 36 Months Relationship Rate
8.45%
▼
APR8.45%
Last UpdatedMay 9, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 9, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 25 to 36 Months
8.70%
▼
APR8.70%
Last UpdatedMay 9, 2026
Details
As Low As
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
801 Lincoln Way, Ames, IA, 50010
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 9, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedMay 9, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 37 to 48 Months Relationship Rate
9.45%
▼
APR9.45%
Last UpdatedMay 9, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedMay 9, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 37 to 48 Months
9.70%
▼
APR9.70%
Last UpdatedMay 9, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedMay 9, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3299 Hillcrest Rd, Dubuque, IA, 52001 3928
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 9, 2026
Details
As Low As
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
739 Pennsylvania Ave, Ottumwa, IA, 52501
Consumer Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 9, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) Up to 60 Relationship Rate
10.45%
▼
APR10.45%
Last UpdatedMay 9, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3299 Hillcrest Rd, Dubuque, IA, 52001 3928
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 9, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) Up to 60
10.70%
▼
APR10.70%
Last UpdatedMay 9, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3299 Hillcrest Rd, Dubuque, IA, 52001 3928
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 9, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
2825 Avenue G, Council Bluffs, IA, 51501
Personal Loans (Unsecured)
11.24%
▼
APR11.24%
Last UpdatedMay 9, 2026
Details
As Low As
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
Personal Loan Greater than
11.25%
▼
APR11.25%
Last UpdatedMay 9, 2026
Details
$5,000
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
2118 Middle Rd, Bettendorf, IA, 52722
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedMay 9, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
2825 Avenue G, Council Bluffs, IA, 51501
Personal Loans (Unsecured)
11.49%
▼
APR11.49%
Last UpdatedMay 9, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
2825 Avenue G, Council Bluffs, IA, 51501
Personal Loans (Unsecured)
11.74%
▼
APR11.74%
Last UpdatedMay 9, 2026
Details
As Low As
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
159 Colorado St, Muscatine, IA, 52761
Unsecured Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMay 9, 2026
Details
No additional details available.
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
2825 Avenue G, Council Bluffs, IA, 51501
Personal Loans (Unsecured)
12.24%
▼
APR12.24%
Last UpdatedMay 9, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3299 Hillcrest Rd, Dubuque, IA, 52001 3928
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedMay 9, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
Signature Loan & Personal Loan
13.50%
▼
APR13.50%
Last UpdatedMay 9, 2026
Details
No additional details available.
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No debt consolidation personal loan rates found in Iowa currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Family Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1211 N Grand Ave, Charles City, IA, 50616 1320
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMay 9, 2026
Details
As Low As; * Actual Rate you receive is based on your credit score and term.
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Signature
9.99%
▼
APR9.99%
Last UpdatedMay 9, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Signature
10.29%
▼
APR10.29%
Last UpdatedMay 9, 2026
Details
As Low As
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Signature - Up to 60 months
10.99%
▼
APR10.99%
Last UpdatedMay 9, 2026
Details
No additional details available.
United Credit Union Council Bluffs, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1900 W Broadway, Council Bluffs, IA, 51501
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedMay 9, 2026
Details
No additional details available.
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.47%
1207 North 2nd Street, Cherokee, IA, 51012
Signature (Closed End)
11.24%
▼
APR11.24%
Last UpdatedMay 9, 2026
Details
As Low As; Maximum Amount Financed: $10,000
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
2019 Grant St, Bettendorf, IA, 52722
Signature loans - No collateral required
11.50%
▼
APR11.50%
Last UpdatedMay 9, 2026
Details
11.50% APR (Rate is based on credit score and automatic payment)
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
Signature Loan & Personal Loan
13.50%
▼
APR13.50%
Last UpdatedMay 9, 2026
Details
No additional details available.
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1513 S 18th St, Centerville, IA, 52544
Signature
14.00%
▼
APR14.00%
Last UpdatedMay 9, 2026
Details
No additional details available.
First Bank Hampton
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
211 1st Ave Nw, Hampton, IA, 50441
Signature Travel
14.74%
▼
APR14.74%
Last UpdatedMay 9, 2026
Details
Regular APR: 14.74% - 24.74%
Powered by
MonitorBankRates
No home improvement personal loan rates found in Iowa currently.
Iowa Personal Loan Rate Trends
Compare local Iowa 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.
Personal Loan — IA Avg
10.875%
▲ 0.386 vs 7 days ago
Iowa personal loan rates rose 0.386 points over the past 7 days to 10.875% APR.
Signature Loan — IA Avg
11.857%
Unchanged vs 7 days ago
Iowa signature loan rates currently average 11.857% APR.
As of May 9, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Iowa?
Most lenders in Iowa 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 Iowa often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Iowa 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 Iowa?
Yes. Debt consolidation is one of the most common uses of personal loans in Iowa. 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 Iowa?
Credit unions in Iowa 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 are the best personal loan rates in Iowa?
- Members1st Community Credit Union: 4.74% (61 - 72 Months (Loan must be or more))
- Fort Dodge Family Credit Union: 5.60% (Unsecured)
- Cedar Falls Community Credit Union: 5.75% (1 Year Construction Loan)
- R.I.A. Federal Credit Union: 6.71% (120-month Power Equity Loan)
- First Class Community Credit Union: 7.25% (Recreational Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Iowa. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 7, 2026.
