Best Personal Loan Rates in Council Bluffs, Iowa (IA) - March 2026
Content reviewed by
Brian McKay
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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 Council Bluffs, Iowa include: United Credit Union Council Bluffs, IAUnited Credit Union Council Bluffs, IA1900 W Broadway, Council Bluffs, IA, 51501A+5.0 ★Texas Ratio: 1.05% offering Signature Loans at 11.00% APR, Centris Federal Credit UnionCentris Federal Credit Union2825 Avenue G, Council Bluffs, IA, 51501A-4.9 ★Texas Ratio: 16.42% offering Personal Loans (Unsecured) at 11.24% APR, North Western Employees Credit UnionNorth Western Employees Credit Union1411 W Broadway, Council Bluffs, IA, 51501 3922A+5.0 ★Texas Ratio: 0.00% offering Unsecured at 14.50% APR, Fort Dodge Family Credit UnionFort Dodge Family Credit Union407 2nd Ave S, Fort Dodge, IA, 50501A5.0 ★Texas Ratio: 10.12% offering Teen Loan Special Unsecured at 5.60% APR, and 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 5.62% APR. Personal loan rates as of March 27, 2026 according to verified data from MonitorBankRates.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Council Bluffs, Iowa can save you significantly over the life of your loan.
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 Council Bluffs, Iowa.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Council Bluffs, 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: March 27, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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 UpdatedMarch 27, 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)
11.24%
▼
APR11.24%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As
North Western Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1411 W Broadway, Council Bluffs, IA, 51501 3922
Unsecured
14.50%
▼
APR14.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Teen Loan Special Unsecured
5.60%
▼
APR5.60%
Last UpdatedMarch 27, 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
5.63%
▼
APR5.63%
Last UpdatedMarch 27, 2026
Details
As Low As
SECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
10-year fixed loan
5.69%
▼
APR5.69%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Fidelity Bank & Trust (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
124 1st St Se, Waverly, IA, 50677
Construction Loan*
5.80%
▼
APR5.80%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Northwest Bank (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
101 W Adams St, Creston, IA, 50801
Equipment Term Loans
5.99%
▼
APR5.99%
Last UpdatedMarch 27, 2026
Details
As Low As; Offer valid on equipment term loans only.. No lines of credit. Offer expires 4/15/2026. No refinancing of Northwest exisiting debt. SBA Loans and business credit cards are not eligible for promotional offer. All standard rates and terms apply. See bank for detials.
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1240 8th Ave, Marion, IA, 52302
VA Loans
6.13%
▼
APR6.13%
Last UpdatedMarch 27, 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
Recreation Loans New 2024 & Newer Model Year
6.19%
▼
APR6.19%
Last UpdatedMarch 27, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans New 2024 & Newer Model Year
6.44%
▼
APR6.44%
Last UpdatedMarch 27, 2026
Details
As Low As
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1240 8th Ave, Marion, IA, 52302
VA Loan Rate
6.45%
▼
APR6.45%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1240 8th Ave, Marion, IA, 52302
VA Loans
6.45%
▼
APR6.45%
Last UpdatedMarch 27, 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
Recreation Loans 2022-2023 Model Year
6.69%
▼
APR6.69%
Last UpdatedMarch 27, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans New 2024 & Newer Model Year
6.69%
▼
APR6.69%
Last UpdatedMarch 27, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans 2020-2021 Model Year
6.94%
▼
APR6.94%
Last UpdatedMarch 27, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans 2022-2023 Model Year
6.94%
▼
APR6.94%
Last UpdatedMarch 27, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 27, 2026
Details
$12K Unsecured Limit
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans 2019 & Older Model Year
7.19%
▼
APR7.19%
Last UpdatedMarch 27, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans 2020-2021 Model Year
7.19%
▼
APR7.19%
Last UpdatedMarch 27, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans 2022-2023 Model Year
7.19%
▼
APR7.19%
Last UpdatedMarch 27, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans New 2024 & Newer Model Year
7.19%
▼
APR7.19%
Last UpdatedMarch 27, 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
7.25%
▼
APR7.25%
Last UpdatedMarch 27, 2026
Details
As Low As; Up to 72 Months
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans 2019 & Older Model Year
7.44%
▼
APR7.44%
Last UpdatedMarch 27, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans 2020-2021 Model Year
7.44%
▼
APR7.44%
Last UpdatedMarch 27, 2026
Details
As Low As
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Unsecured Loans
7.50%
▼
APR7.50%
Last UpdatedMarch 27, 2026
Details
up to $8000; Call Tim for more details at 563-582-9515.
DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
Lot Loan (75% LTV)
7.51%
▼
APR7.51%
Last UpdatedMarch 27, 2026
Details
$35,000
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans 2019 & Older Model Year
7.69%
▼
APR7.69%
Last UpdatedMarch 27, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans 2022-2023 Model Year
7.69%
▼
APR7.69%
Last UpdatedMarch 27, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans New 2024 & Newer Model Year
7.69%
▼
APR7.69%
Last UpdatedMarch 27, 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
7.75%
▼
APR7.75%
Last UpdatedMarch 27, 2026
Details
As Low As; Up to 72 Months
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Unsecured Loans
7.75%
▼
APR7.75%
Last UpdatedMarch 27, 2026
Details
up to $8000; Call Tim for more details at 563-582-9515.
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans New 2024 & Newer Model Year
7.85%
▼
APR7.85%
Last UpdatedMarch 27, 2026
Details
As Low As
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 UpdatedMarch 27, 2026
Details
Credit Score: 700+
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans 2020-2021 Model Year
7.94%
▼
APR7.94%
Last UpdatedMarch 27, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 27, 2026
Details
$12K Unsecured Limit
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 UpdatedMarch 27, 2026
Details
As Low As
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Unsecured Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 27, 2026
Details
up to $8000; Call Tim for more details at 563-582-9515.
DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
Lot Loan (80% LTV)
8.02%
▼
APR8.02%
Last UpdatedMarch 27, 2026
Details
$35,000
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans 2022-2023 Model Year
8.15%
▼
APR8.15%
Last UpdatedMarch 27, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans 2019 & Older Model Year
8.19%
▼
APR8.19%
Last UpdatedMarch 27, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans 2022-2023 Model Year
8.19%
▼
APR8.19%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As; Up to 72 Months
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans 2020-2021 Model Year
8.44%
▼
APR8.44%
Last UpdatedMarch 27, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans 2020-2021 Model Year
8.45%
▼
APR8.45%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 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 Loan
8.49%
▼
APR8.49%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As; (fixed)
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans 2019 & Older Model Year
8.60%
▼
APR8.60%
Last UpdatedMarch 27, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Recreation Loans 2019 & Older Model Year
8.69%
▼
APR8.69%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Signature Loans
8.75%
▼
APR8.75%
Last UpdatedMarch 27, 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
8.75%
▼
APR8.75%
Last UpdatedMarch 27, 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
8.75%
▼
APR8.75%
Last UpdatedMarch 27, 2026
Details
As Low As; Up to 48 Months
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 UpdatedMarch 27, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
City & County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
4800 Edgewood Rd SW, Cedar Rapids, IA, 52404 7220
Low-Rate Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 27, 2026
Details
As Low As; Flexible loan terms; Plus - make no payments for 60 days!
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
801 Lincoln Way, Ames, IA, 50010
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 27, 2026
Details
As Low As
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 UpdatedMarch 27, 2026
Details
As Low As; Actual Rate you receive is based on your credit score and term.
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan Special
9.00%
▼
APR9.00%
Last UpdatedMarch 27, 2026
Details
Unsecured Limit: $20K
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 27, 2026
Details
$12K Unsecured Limit
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Unsecured Personal Loan
9.10%
▼
APR9.10%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedMarch 27, 2026
Details
As Low As
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1602 S MONROE AVE, MASON CITY, IA, 50401
CLOSED END SIGNATURE
9.50%
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details
As Low As; UP TO 12 MONTHS
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan Special
9.50%
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details
Unsecured Limit: $20K
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details
$12K Unsecured Limit
Quaker Oats Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3535 CENTER POINT RD NE, CEDAR RAPIDS, IA, 52402
Signature Loan
9.50%
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
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 UpdatedMarch 27, 2026
Details
As Low As
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
453 7th St, Des Moines, IA, 50309
Unsecured Loan
9.51%
▼
APR9.51%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Unsecured Personal Loan
9.60%
▼
APR9.60%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Signature Loans
9.75%
▼
APR9.75%
Last UpdatedMarch 27, 2026
Details
No additional details available.
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 UpdatedMarch 27, 2026
Details
No additional details available.
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
2811 E 13th St, Ames, IA, 50010
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
116 Main St, Williams, IA, 50271
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
Offer available through August 1, 2026.
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 UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
No Collateral Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2495 208th St, Montrose, IA, 52639
Signature Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
801 Lincoln Way, Ames, IA, 50010
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1602 S MONROE AVE, MASON CITY, IA, 50401
CLOSED END SIGNATURE
10.00%
▼
APR10.00%
Last UpdatedMarch 27, 2026
Details
As Low As; 13 TO 36 MONTHS
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan Special
10.00%
▼
APR10.00%
Last UpdatedMarch 27, 2026
Details
Unsecured Limit: $20K
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 27, 2026
Details
$12K Unsecured Limit
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 UpdatedMarch 27, 2026
Details
As Low As
The Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1400 Rockingham Rd, Davenport, IA, 52802
Variable APR (80.1% to 100% Loan to Value)
10.25%
▼
APR10.25%
Last UpdatedMarch 27, 2026
Details
Floor 6.75%
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 UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
2811 E 13th St, Ames, IA, 50010
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMarch 27, 2026
Details
As Low As
Quaker Oats Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3535 CENTER POINT RD NE, CEDAR RAPIDS, IA, 52402
Signature Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 27, 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) Up to 60
10.70%
▼
APR10.70%
Last UpdatedMarch 27, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedMarch 27, 2026
Details
No additional details available.
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 UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
2811 E 13th St, Ames, IA, 50010
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Signature
10.99%
▼
APR10.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
No Collateral Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
801 Lincoln Way, Ames, IA, 50010
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 27, 2026
Details
As Low As
The Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1400 Rockingham Rd, Davenport, IA, 52802
Signature Loans
10.99%
▼
APR10.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan Special
11.00%
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details
Unsecured Limit: $20K
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1602 S MONROE AVE, MASON CITY, IA, 50401
OPEN END SIGNATURE
11.00%
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details
As Low As; 24 MONTH REVIEW
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 UpdatedMarch 27, 2026
Details
As Low As
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
Signature Loan
11.09%
▼
APR11.09%
Last UpdatedMarch 27, 2026
Details
APR based on $10,000 loan and $250 fee (e.g. A five year $10,000 loan at 11.088% APR requires a monthly payment of $212.46)
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 UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As
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 UpdatedMarch 27, 2026
Details
As Low As
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
801 Lincoln Way, Ames, IA, 50010
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
APR (Rate is based on credit score and automatic payment)
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
104 W Anson St, Marshalltown, IA, 50158
Personal/Signature Loan
11.74%
▼
APR11.74%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As
DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
Personal Loan
11.84%
▼
APR11.84%
Last UpdatedMarch 27, 2026
Details
48 months at 11.84%; 48 payments at $26.26 per $1,000 borrowed; Payments are monthly. Does apply to real estate, home equity or business loans. Membership with DuTrac is required.
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 UpdatedMarch 27, 2026
Details
Over $1,000
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 UpdatedMarch 27, 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
Unsecured to $2,999
11.90%
▼
APR11.90%
Last UpdatedMarch 27, 2026
Details
Over $1,000
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 UpdatedMarch 27, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
Unsecured Loan
11.99%
▼
APR11.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
801 Lincoln Way, Ames, IA, 50010
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMarch 27, 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 25 - 48 months
11.99%
▼
APR11.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
No Collateral Loan
11.99%
▼
APR11.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan Special
12.00%
▼
APR12.00%
Last UpdatedMarch 27, 2026
Details
Unsecured Limit: $20K
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 UpdatedMarch 27, 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 UpdatedMarch 27, 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
12.49%
▼
APR12.49%
Last UpdatedMarch 27, 2026
Details
As Low As
Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
131 Tower Park Dr, Waterloo, IA, 50701
Consumer Loan Less than 80% Retail
12.50%
▼
APR12.50%
Last UpdatedMarch 27, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
104 W Anson St, Marshalltown, IA, 50158
Personal/Signature Loan
12.74%
▼
APR12.74%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
Unsecured Loan
12.99%
▼
APR12.99%
Last UpdatedMarch 27, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
2811 E 13th St, Ames, IA, 50010
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
No Collateral Loan
12.99%
▼
APR12.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
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 UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA, 52156
Operating Loans
13.24%
▼
APR13.24%
Last UpdatedMarch 27, 2026
Details
Loan payment is $457.52 for 60 payments at 13.24%.
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 UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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 UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 27, 2026
Details
$12K Unsecured Limit
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 27, 2026
Details
$12K Unsecured Limit
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 UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 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 Loan
8.49%
▼
APR8.49%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 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
8.75%
▼
APR8.75%
Last UpdatedMarch 27, 2026
Details
No additional details available.
City & County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
4800 Edgewood Rd SW, Cedar Rapids, IA, 52404 7220
Low-Rate Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 27, 2026
Details
As Low As; Flexible loan terms; Plus - make no payments for 60 days!
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
801 Lincoln Way, Ames, IA, 50010
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 27, 2026
Details
$12K Unsecured Limit
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan Special
9.00%
▼
APR9.00%
Last UpdatedMarch 27, 2026
Details
Unsecured Limit: $20K
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Unsecured Personal Loan
9.10%
▼
APR9.10%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 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 Loan
9.49%
▼
APR9.49%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details
$12K Unsecured Limit
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan Special
9.50%
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details
Unsecured Limit: $20K
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Unsecured Personal Loan
9.60%
▼
APR9.60%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
2811 E 13th St, Ames, IA, 50010
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Iowa Falls State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
116 Main St, Williams, IA, 50271
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
Offer available through August 1, 2026.
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 UpdatedMarch 27, 2026
Details
As Low As
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
801 Lincoln Way, Ames, IA, 50010
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 27, 2026
Details
$12K Unsecured Limit
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan Special
10.00%
▼
APR10.00%
Last UpdatedMarch 27, 2026
Details
Unsecured Limit: $20K
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 UpdatedMarch 27, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
2811 E 13th St, Ames, IA, 50010
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMarch 27, 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 Loan
10.49%
▼
APR10.49%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
2811 E 13th St, Ames, IA, 50010
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
801 Lincoln Way, Ames, IA, 50010
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan Special
11.00%
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details
Unsecured Limit: $20K
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 UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
801 Lincoln Way, Ames, IA, 50010
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedMarch 27, 2026
Details
As Low As
DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
Personal Loan
11.84%
▼
APR11.84%
Last UpdatedMarch 27, 2026
Details
48 months at 11.84%; 48 payments at $26.26 per $1,000 borrowed; Payments are monthly. Does apply to real estate, home equity or business loans. Membership with DuTrac is required.
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
801 Lincoln Way, Ames, IA, 50010
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Personal Loan Special
12.00%
▼
APR12.00%
Last UpdatedMarch 27, 2026
Details
Unsecured Limit: $20K
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
159 Colorado St, Muscatine, IA, 52761
Unsecured Personal Loan
12.49%
▼
APR12.49%
Last UpdatedMarch 27, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
2811 E 13th St, Ames, IA, 50010
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedMarch 27, 2026
Details
As Low As
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No debt consolidation personal loan rates found in Council Bluffs, IA currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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 UpdatedMarch 27, 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
Signature Loans
8.75%
▼
APR8.75%
Last UpdatedMarch 27, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
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 UpdatedMarch 27, 2026
Details
As Low As; Actual Rate you receive is based on your credit score and term.
Quaker Oats Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3535 CENTER POINT RD NE, CEDAR RAPIDS, IA, 52402
Signature Loan
9.50%
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1602 S MONROE AVE, MASON CITY, IA, 50401
CLOSED END SIGNATURE
9.50%
▼
APR9.50%
Last UpdatedMarch 27, 2026
Details
As Low As; UP TO 12 MONTHS
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
123 W 4th St, Cedar Falls, IA, 50613 2831
Signature Loans
9.75%
▼
APR9.75%
Last UpdatedMarch 27, 2026
Details
No additional details available.
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 UpdatedMarch 27, 2026
Details
As Low As
Fox Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2495 208th St, Montrose, IA, 52639
Signature Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1602 S MONROE AVE, MASON CITY, IA, 50401
CLOSED END SIGNATURE
10.00%
▼
APR10.00%
Last UpdatedMarch 27, 2026
Details
As Low As; 13 TO 36 MONTHS
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 UpdatedMarch 27, 2026
Details
As Low As
Quaker Oats Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3535 CENTER POINT RD NE, CEDAR RAPIDS, IA, 52402
Signature Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 27, 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
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Signature
10.99%
▼
APR10.99%
Last UpdatedMarch 27, 2026
Details
As Low As
The Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1400 Rockingham Rd, Davenport, IA, 52802
Signature Loans
10.99%
▼
APR10.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1602 S MONROE AVE, MASON CITY, IA, 50401
OPEN END SIGNATURE
11.00%
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details
As Low As; 24 MONTH REVIEW
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
Signature Loan
11.09%
▼
APR11.09%
Last UpdatedMarch 27, 2026
Details
APR based on $10,000 loan and $250 fee (e.g. A five year $10,000 loan at 11.088% APR requires a monthly payment of $212.46)
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 UpdatedMarch 27, 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 UpdatedMarch 27, 2026
Details
APR (Rate is based on credit score and automatic payment)
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
104 W Anson St, Marshalltown, IA, 50158
Personal/Signature Loan
11.74%
▼
APR11.74%
Last UpdatedMarch 27, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
104 W Anson St, Marshalltown, IA, 50158
Personal/Signature Loan
12.74%
▼
APR12.74%
Last UpdatedMarch 27, 2026
Details
As Low As
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No home improvement personal loan rates found in Council Bluffs, IA currently.
Frequently Asked Questions
What credit score do I need for a personal loan in Iowa?
Most lenders in Council Bluffs, 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 Council Bluffs, 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 Council Bluffs, 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 Council Bluffs, Iowa?
Credit unions in Council Bluffs, 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 Council Bluffs, Iowa?
- United Credit Union Council Bluffs, IA: 11.00% (Signature Loans)
- Centris Federal Credit Union: 11.24% (Personal Loans (Unsecured))
- North Western Employees Credit Union: 14.50% (Unsecured)
- Fort Dodge Family Credit Union: 5.60% (Teen Loan Special Unsecured)
- Cedar Falls Community Credit Union: 5.62% (1 Year Construction Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Council Bluffs, Iowa. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 27, 2026.
Personal Loan Calculators
