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Best Personal Loan Rates in Des Moines, Iowa (IA) - March 2026

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Brian McKay Brian McKay
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| i Editorial Disclosure
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.
| ✓Fact Checked | Personal Loan Rates — Last Updated and Verified: March 24, 2026

Current personal loan options available to borrowers in Des Moines, Iowa include: First Class Community Credit UnionFirst Class Community Credit Union303 Euclid Ave, Des Moines, IA, 50313 4349A+5.0 ★Texas Ratio: 1.71% offering Recreational Loans at 7.25% APR, Collins Community Credit UnionCollins Community Credit Union601 E Court Ave, Des Moines, IA, 50309B-4.3 ★Texas Ratio: 23.97% offering Credit Builder Loan at 8.50% APR, Greater Iowa Credit UnionGreater Iowa Credit Union600 E 30th St, Des Moines, IA, 50317 2406A5.0 ★Texas Ratio: 8.63% offering Personal Loan at 8.99% APR, Serve Credit UnionServe Credit Union423 E Court Ave, Des Moines, IA, 50309 2010A+5.0 ★Texas Ratio: 2.97% offering IMAGINE LOAN at 8.99% APR, and Bankers Trust CompanyBankers Trust Company453 7th St, Des Moines, IA, 50309A+5.0 ★Texas Ratio: 2.53% offering Unsecured Loan at 9.51% APR.

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 Des Moines, 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 Des Moines, Iowa.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Des Moines, 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 24, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Recreational Loans
7.25%
View
▼
APR7.25%
Last UpdatedMarch 24, 2026
Details

As Low As; Up to 72 Months

First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Recreational Loans
7.75%
View
▼
APR7.75%
Last UpdatedMarch 24, 2026
Details

As Low As; Up to 72 Months

First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Recreational Loans
8.25%
View
▼
APR8.25%
Last UpdatedMarch 24, 2026
Details

As Low As; Up to 72 Months

First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Personal Loan
8.49%
View
▼
APR8.49%
Last UpdatedMarch 24, 2026
Details

As Low As

Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA, 50309
Credit Builder Loan
8.50%
View
▼
APR8.50%
Last UpdatedMarch 24, 2026
Details

As Low As; (fixed)

First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Recreational Loans
8.75%
View
▼
APR8.75%
Last UpdatedMarch 24, 2026
Details

As Low As; Up to 48 Months

Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA, 50317 2406
Personal Loan
8.99%
View
▼
APR8.99%
Last UpdatedMarch 24, 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%
View
▼
APR8.99%
Last UpdatedMarch 24, 2026
Details

As Low As; Money for anything you can imagine. (Fixed term)

Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA, 50309
Unsecured Personal Loan
9.10%
View
▼
APR9.10%
Last UpdatedMarch 24, 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%
View
▼
APR9.49%
Last UpdatedMarch 24, 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%
303 Euclid Ave, Des Moines, IA, 50313 4349
Personal Loan
9.49%
View
▼
APR9.49%
Last UpdatedMarch 24, 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%
View
▼
APR9.51%
Last UpdatedMarch 24, 2026
Details

Fixed interest rate; Available in 36-month term; Minimum loan amount of $5,000

Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA, 50309
Unsecured Personal Loan
9.60%
View
▼
APR9.60%
Last UpdatedMarch 24, 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%
View
▼
APR9.99%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA, 50317 2406
Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 24, 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%
View
▼
APR9.99%
Last UpdatedMarch 24, 2026
Details

As Low As; Money for anything you can imagine. (Fixed term)

Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Signature
9.99%
View
▼
APR9.99%
Last UpdatedMarch 24, 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%
View
▼
APR10.29%
Last UpdatedMarch 24, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Personal Loan
10.49%
View
▼
APR10.49%
Last UpdatedMarch 24, 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%
View
▼
APR10.49%
Last UpdatedMarch 24, 2026
Details

As Low As; Money for anything you can imagine. (Fixed term)

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%
View
▼
APR10.99%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA, 50317 2406
Personal Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 24, 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%
View
▼
APR10.99%
Last UpdatedMarch 24, 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%
View
▼
APR10.99%
Last UpdatedMarch 24, 2026
Details

As Low As

Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA, 50317 2406
Personal Loan
11.49%
View
▼
APR11.49%
Last UpdatedMarch 24, 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
11.99%
View
▼
APR11.99%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA, 50317 2406
Personal Loan
11.99%
View
▼
APR11.99%
Last UpdatedMarch 24, 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%
View
▼
APR12.99%
Last UpdatedMarch 24, 2026
Details

No additional details available.

Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4605 Fleur Dr, Des Moines, IA, 50321
Personal Loan
13.97%
View
▼
APR13.97%
Last UpdatedMarch 24, 2026
Details

Loan Amount: $7,500

Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA, 50317 2406
Personal Loan
15.99%
View
▼
APR15.99%
Last UpdatedMarch 24, 2026
Details

As Low As; for loans less than $2,500

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%
View
▼
APR5.60%
Last UpdatedMarch 24, 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%
View
▼
APR5.63%
Last UpdatedMarch 24, 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%
View
▼
APR5.69%
Last UpdatedMarch 24, 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%
View
▼
APR5.80%
Last UpdatedMarch 24, 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%
View
▼
APR5.99%
Last UpdatedMarch 24, 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%
View
▼
APR6.13%
Last UpdatedMarch 24, 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%
View
▼
APR6.19%
Last UpdatedMarch 24, 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%
View
▼
APR6.44%
Last UpdatedMarch 24, 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%
View
▼
APR6.45%
Last UpdatedMarch 24, 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%
View
▼
APR6.45%
Last UpdatedMarch 24, 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%
View
▼
APR6.69%
Last UpdatedMarch 24, 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%
View
▼
APR6.69%
Last UpdatedMarch 24, 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%
View
▼
APR6.94%
Last UpdatedMarch 24, 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%
View
▼
APR6.94%
Last UpdatedMarch 24, 2026
Details

As Low As

City & County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
4800 Edgewood Rd SW, Cedar Rapids, IA, 52404 7220
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 24, 2026
Details

As Low As; Enjoy 60 days with No Payments

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%
View
▼
APR7.00%
Last UpdatedMarch 24, 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 New 2024 & Newer Model Year
7.19%
View
▼
APR7.19%
Last UpdatedMarch 24, 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%
View
▼
APR7.19%
Last UpdatedMarch 24, 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%
View
▼
APR7.19%
Last UpdatedMarch 24, 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
7.19%
View
▼
APR7.19%
Last UpdatedMarch 24, 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
7.44%
View
▼
APR7.44%
Last UpdatedMarch 24, 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%
View
▼
APR7.44%
Last UpdatedMarch 24, 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 Loan
7.50%
View
▼
APR7.50%
Last UpdatedMarch 24, 2026
Details

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%
View
▼
APR7.51%
Last UpdatedMarch 24, 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%
View
▼
APR7.69%
Last UpdatedMarch 24, 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%
View
▼
APR7.69%
Last UpdatedMarch 24, 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%
View
▼
APR7.69%
Last UpdatedMarch 24, 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 Loan
7.75%
View
▼
APR7.75%
Last UpdatedMarch 24, 2026
Details

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%
View
▼
APR7.85%
Last UpdatedMarch 24, 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%
View
▼
APR7.93%
Last UpdatedMarch 24, 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%
View
▼
APR7.94%
Last UpdatedMarch 24, 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 Loan
8.00%
View
▼
APR8.00%
Last UpdatedMarch 24, 2026
Details

Call Tim for more details at 563-582-9515

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%
View
▼
APR8.00%
Last UpdatedMarch 24, 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%
View
▼
APR8.00%
Last UpdatedMarch 24, 2026
Details

As Low As

DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
Lot Loan (80% LTV)
8.02%
View
▼
APR8.02%
Last UpdatedMarch 24, 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%
View
▼
APR8.15%
Last UpdatedMarch 24, 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%
View
▼
APR8.19%
Last UpdatedMarch 24, 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%
View
▼
APR8.19%
Last UpdatedMarch 24, 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%
View
▼
APR8.20%
Last UpdatedMarch 24, 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%
View
▼
APR8.25%
Last UpdatedMarch 24, 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
8.44%
View
▼
APR8.44%
Last UpdatedMarch 24, 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%
View
▼
APR8.45%
Last UpdatedMarch 24, 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%
View
▼
APR8.45%
Last UpdatedMarch 24, 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%
View
▼
APR8.45%
Last UpdatedMarch 24, 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%
View
▼
APR8.49%
Last UpdatedMarch 24, 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
8.60%
View
▼
APR8.60%
Last UpdatedMarch 24, 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%
View
▼
APR8.69%
Last UpdatedMarch 24, 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%
View
▼
APR8.70%
Last UpdatedMarch 24, 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%
View
▼
APR8.75%
Last UpdatedMarch 24, 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%
View
▼
APR8.75%
Last UpdatedMarch 24, 2026
Details

As Low As

City & County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
4800 Edgewood Rd SW, Cedar Rapids, IA, 52404 7220
Personal Loan
8.99%
View
▼
APR8.99%
Last UpdatedMarch 24, 2026
Details

As Low As; Flexible loan terms; Plus - make no payments for 60 days!

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%
View
▼
APR9.00%
Last UpdatedMarch 24, 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%
View
▼
APR9.00%
Last UpdatedMarch 24, 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
9.00%
View
▼
APR9.00%
Last UpdatedMarch 24, 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%
View
▼
APR9.00%
Last UpdatedMarch 24, 2026
Details

Unsecured Limit: $20K

Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
Personal Loans
9.25%
View
▼
APR9.25%
Last UpdatedMarch 24, 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%
View
▼
APR9.45%
Last UpdatedMarch 24, 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
9.50%
View
▼
APR9.50%
Last UpdatedMarch 24, 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
CLOSED END SIGNATURE
9.50%
View
▼
APR9.50%
Last UpdatedMarch 24, 2026
Details

As Low As; UP TO 12 MONTHS

Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
Personal Loans
9.50%
View
▼
APR9.50%
Last UpdatedMarch 24, 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%
View
▼
APR9.50%
Last UpdatedMarch 24, 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%
View
▼
APR9.50%
Last UpdatedMarch 24, 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
9.70%
View
▼
APR9.70%
Last UpdatedMarch 24, 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%
View
▼
APR9.75%
Last UpdatedMarch 24, 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%
View
▼
APR9.75%
Last UpdatedMarch 24, 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%
View
▼
APR9.99%
Last UpdatedMarch 24, 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%
View
▼
APR9.99%
Last UpdatedMarch 24, 2026
Details

Offer available through August 1, 2026.

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%
View
▼
APR9.99%
Last UpdatedMarch 24, 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%
View
▼
APR9.99%
Last UpdatedMarch 24, 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
Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 24, 2026
Details

Fixed rates starting at

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%
View
▼
APR9.99%
Last UpdatedMarch 24, 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%
View
▼
APR10.00%
Last UpdatedMarch 24, 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%
View
▼
APR10.00%
Last UpdatedMarch 24, 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
CLOSED END SIGNATURE
10.00%
View
▼
APR10.00%
Last UpdatedMarch 24, 2026
Details

As Low As; 13 TO 36 MONTHS

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%
View
▼
APR10.25%
Last UpdatedMarch 24, 2026
Details

Floor 6.75%

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%
View
▼
APR10.25%
Last UpdatedMarch 24, 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%
View
▼
APR10.45%
Last UpdatedMarch 24, 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%
View
▼
APR10.49%
Last UpdatedMarch 24, 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%
View
▼
APR10.50%
Last UpdatedMarch 24, 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%
View
▼
APR10.70%
Last UpdatedMarch 24, 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%
View
▼
APR10.75%
Last UpdatedMarch 24, 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%
View
▼
APR10.75%
Last UpdatedMarch 24, 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%
View
▼
APR10.90%
Last UpdatedMarch 24, 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%
View
▼
APR10.99%
Last UpdatedMarch 24, 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%
View
▼
APR10.99%
Last UpdatedMarch 24, 2026
Details

As Low As

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%
View
▼
APR11.00%
Last UpdatedMarch 24, 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
11.00%
View
▼
APR11.00%
Last UpdatedMarch 24, 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%
View
▼
APR11.00%
Last UpdatedMarch 24, 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%
View
▼
APR11.04%
Last UpdatedMarch 24, 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%
View
▼
APR11.09%
Last UpdatedMarch 24, 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%
View
▼
APR11.24%
Last UpdatedMarch 24, 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%
View
▼
APR11.24%
Last UpdatedMarch 24, 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%
View
▼
APR11.25%
Last UpdatedMarch 24, 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%
View
▼
APR11.25%
Last UpdatedMarch 24, 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%
View
▼
APR11.49%
Last UpdatedMarch 24, 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%
View
▼
APR11.49%
Last UpdatedMarch 24, 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%
View
▼
APR11.50%
Last UpdatedMarch 24, 2026
Details

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%
View
▼
APR11.74%
Last UpdatedMarch 24, 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
11.74%
View
▼
APR11.74%
Last UpdatedMarch 24, 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%
View
▼
APR11.75%
Last UpdatedMarch 24, 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%
View
▼
APR11.84%
Last UpdatedMarch 24, 2026
Details

No additional details available.

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%
View
▼
APR11.90%
Last UpdatedMarch 24, 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%
View
▼
APR11.90%
Last UpdatedMarch 24, 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%
View
▼
APR11.90%
Last UpdatedMarch 24, 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%
View
▼
APR11.99%
Last UpdatedMarch 24, 2026
Details

No additional details available.

First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
Unsecured
11.99%
View
▼
APR11.99%
Last UpdatedMarch 24, 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%
View
▼
APR11.99%
Last UpdatedMarch 24, 2026
Details

As Low As; *APR = Annual Percentage Rate. Loan rates listed above show the best rate available and apply to those with an excellent credit rating. Rates current as of 07/10/23 and are subject to change without notice. Fixed-rate mortgage APR may vary based on loan amount. All loans are subject to approval based on credit union lending guidelines. Rate may vary based on personal credit history, Loan to Value (LTV), vehicle year and mileage. Membership is required: $5 minimum share deposit. Federally insured by NCUA.

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%
View
▼
APR12.00%
Last UpdatedMarch 24, 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%
View
▼
APR12.11%
Last UpdatedMarch 24, 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%
View
▼
APR12.24%
Last UpdatedMarch 24, 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%
View
▼
APR12.25%
Last UpdatedMarch 24, 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%
View
▼
APR12.49%
Last UpdatedMarch 24, 2026
Details

As Low As; *APR = Annual Percentage Rate. Loan rates listed above show the best rate available and apply to those with an excellent credit rating. Rates current as of 07/10/23 and are subject to change without notice. Fixed-rate mortgage APR may vary based on loan amount. All loans are subject to approval based on credit union lending guidelines. Rate may vary based on personal credit history, Loan to Value (LTV), vehicle year and mileage. Membership is required: $5 minimum share deposit. Federally insured by NCUA.

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%
View
▼
APR12.50%
Last UpdatedMarch 24, 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%
View
▼
APR12.74%
Last UpdatedMarch 24, 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%
View
▼
APR12.75%
Last UpdatedMarch 24, 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
12.99%
View
▼
APR12.99%
Last UpdatedMarch 24, 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%
View
▼
APR12.99%
Last UpdatedMarch 24, 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%
View
▼
APR12.99%
Last UpdatedMarch 24, 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%
View
▼
APR12.99%
Last UpdatedMarch 24, 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%
View
▼
APR13.22%
Last UpdatedMarch 24, 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%
View
▼
APR13.22%
Last UpdatedMarch 24, 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%
View
▼
APR13.47%
Last UpdatedMarch 24, 2026
Details

As Low As

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Personal Loan
8.49%
View
▼
APR8.49%
Last UpdatedMarch 24, 2026
Details

As Low As

Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA, 50317 2406
Personal Loan
8.99%
View
▼
APR8.99%
Last UpdatedMarch 24, 2026
Details

As Low As

Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA, 50309
Unsecured Personal Loan
9.10%
View
▼
APR9.10%
Last UpdatedMarch 24, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Personal Loan
9.49%
View
▼
APR9.49%
Last UpdatedMarch 24, 2026
Details

As Low As

Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA, 50309
Unsecured Personal Loan
9.60%
View
▼
APR9.60%
Last UpdatedMarch 24, 2026
Details

As Low As

Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA, 50317 2406
Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 24, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Personal Loan
10.49%
View
▼
APR10.49%
Last UpdatedMarch 24, 2026
Details

As Low As

Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA, 50317 2406
Personal Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 24, 2026
Details

As Low As

Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA, 50317 2406
Personal Loan
11.49%
View
▼
APR11.49%
Last UpdatedMarch 24, 2026
Details

As Low As

Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA, 50317 2406
Personal Loan
11.99%
View
▼
APR11.99%
Last UpdatedMarch 24, 2026
Details

As Low As

Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
4605 Fleur Dr, Des Moines, IA, 50321
Personal Loan
13.97%
View
▼
APR13.97%
Last UpdatedMarch 24, 2026
Details

Loan Amount: $7,500

Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA, 50317 2406
Personal Loan
15.99%
View
▼
APR15.99%
Last UpdatedMarch 24, 2026
Details

As Low As; for loans less than $2,500

City & County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
4800 Edgewood Rd SW, Cedar Rapids, IA, 52404 7220
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 24, 2026
Details

As Low As; Enjoy 60 days with No Payments

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%
View
▼
APR7.00%
Last UpdatedMarch 24, 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%
View
▼
APR8.00%
Last UpdatedMarch 24, 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%
View
▼
APR8.00%
Last UpdatedMarch 24, 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) 13 to 24 Months Relationship Rate
8.20%
View
▼
APR8.20%
Last UpdatedMarch 24, 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%
View
▼
APR8.25%
Last UpdatedMarch 24, 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%
View
▼
APR8.45%
Last UpdatedMarch 24, 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%
View
▼
APR8.45%
Last UpdatedMarch 24, 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%
View
▼
APR8.70%
Last UpdatedMarch 24, 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%
View
▼
APR8.75%
Last UpdatedMarch 24, 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
Personal Loan
8.99%
View
▼
APR8.99%
Last UpdatedMarch 24, 2026
Details

As Low As; Flexible loan terms; Plus - make no payments for 60 days!

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%
View
▼
APR9.00%
Last UpdatedMarch 24, 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%
View
▼
APR9.00%
Last UpdatedMarch 24, 2026
Details

Unsecured Limit: $20K

Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
Personal Loans
9.25%
View
▼
APR9.25%
Last UpdatedMarch 24, 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%
View
▼
APR9.45%
Last UpdatedMarch 24, 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
9.50%
View
▼
APR9.50%
Last UpdatedMarch 24, 2026
Details

Unsecured Limit: $20K

Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
Personal Loans
9.50%
View
▼
APR9.50%
Last UpdatedMarch 24, 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%
View
▼
APR9.50%
Last UpdatedMarch 24, 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) 37 to 48 Months
9.70%
View
▼
APR9.70%
Last UpdatedMarch 24, 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%
View
▼
APR9.75%
Last UpdatedMarch 24, 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%
View
▼
APR9.99%
Last UpdatedMarch 24, 2026
Details

As Low As

City & County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
4800 Edgewood Rd SW, Cedar Rapids, IA, 52404 7220
Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 24, 2026
Details

Fixed rates starting at

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%
View
▼
APR9.99%
Last UpdatedMarch 24, 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%
View
▼
APR9.99%
Last UpdatedMarch 24, 2026
Details

Offer available through August 1, 2026.

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%
View
▼
APR10.00%
Last UpdatedMarch 24, 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%
View
▼
APR10.00%
Last UpdatedMarch 24, 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%
View
▼
APR10.45%
Last UpdatedMarch 24, 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%
View
▼
APR10.49%
Last UpdatedMarch 24, 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%
View
▼
APR10.70%
Last UpdatedMarch 24, 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%
View
▼
APR10.99%
Last UpdatedMarch 24, 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%
View
▼
APR11.00%
Last UpdatedMarch 24, 2026
Details

Unsecured Limit: $20K

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%
View
▼
APR11.24%
Last UpdatedMarch 24, 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%
View
▼
APR11.25%
Last UpdatedMarch 24, 2026
Details

$5,000

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%
View
▼
APR11.49%
Last UpdatedMarch 24, 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%
View
▼
APR11.49%
Last UpdatedMarch 24, 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%
View
▼
APR11.74%
Last UpdatedMarch 24, 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%
View
▼
APR11.84%
Last UpdatedMarch 24, 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%
View
▼
APR11.99%
Last UpdatedMarch 24, 2026
Details

As Low As; *APR = Annual Percentage Rate. Loan rates listed above show the best rate available and apply to those with an excellent credit rating. Rates current as of 07/10/23 and are subject to change without notice. Fixed-rate mortgage APR may vary based on loan amount. All loans are subject to approval based on credit union lending guidelines. Rate may vary based on personal credit history, Loan to Value (LTV), vehicle year and mileage. Membership is required: $5 minimum share deposit. Federally insured by NCUA.

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%
View
▼
APR12.00%
Last UpdatedMarch 24, 2026
Details

Unsecured Limit: $20K

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%
View
▼
APR12.24%
Last UpdatedMarch 24, 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%
View
▼
APR12.49%
Last UpdatedMarch 24, 2026
Details

As Low As; *APR = Annual Percentage Rate. Loan rates listed above show the best rate available and apply to those with an excellent credit rating. Rates current as of 07/10/23 and are subject to change without notice. Fixed-rate mortgage APR may vary based on loan amount. All loans are subject to approval based on credit union lending guidelines. Rate may vary based on personal credit history, Loan to Value (LTV), vehicle year and mileage. Membership is required: $5 minimum share deposit. Federally insured by NCUA.

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%
View
▼
APR12.99%
Last UpdatedMarch 24, 2026
Details

As Low As

No debt consolidation personal loan rates found in Des Moines, IA currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Signature
9.99%
View
▼
APR9.99%
Last UpdatedMarch 24, 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%
View
▼
APR10.29%
Last UpdatedMarch 24, 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
10.99%
View
▼
APR10.99%
Last UpdatedMarch 24, 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%
View
▼
APR8.75%
Last UpdatedMarch 24, 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%
View
▼
APR9.00%
Last UpdatedMarch 24, 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%
View
▼
APR9.00%
Last UpdatedMarch 24, 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%
View
▼
APR9.50%
Last UpdatedMarch 24, 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%
View
▼
APR9.50%
Last UpdatedMarch 24, 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%
View
▼
APR9.75%
Last UpdatedMarch 24, 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%
View
▼
APR9.99%
Last UpdatedMarch 24, 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%
View
▼
APR10.00%
Last UpdatedMarch 24, 2026
Details

As Low As; 13 TO 36 MONTHS

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%
View
▼
APR10.50%
Last UpdatedMarch 24, 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%
View
▼
APR10.75%
Last UpdatedMarch 24, 2026
Details

No additional details available.

The Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1400 Rockingham Rd, Davenport, IA, 52802
Signature Loans
10.99%
View
▼
APR10.99%
Last UpdatedMarch 24, 2026
Details

As Low As

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%
View
▼
APR11.00%
Last UpdatedMarch 24, 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
OPEN END SIGNATURE
11.00%
View
▼
APR11.00%
Last UpdatedMarch 24, 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%
View
▼
APR11.09%
Last UpdatedMarch 24, 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%
View
▼
APR11.24%
Last UpdatedMarch 24, 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%
View
▼
APR11.50%
Last UpdatedMarch 24, 2026
Details

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%
View
▼
APR11.74%
Last UpdatedMarch 24, 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%
View
▼
APR12.74%
Last UpdatedMarch 24, 2026
Details

As Low As

No home improvement personal loan rates found in Des Moines, IA currently.

Frequently Asked Questions

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

Most lenders in Des Moines, 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 Des Moines, 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 Des Moines, 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 Des Moines, Iowa?

Credit unions in Des Moines, 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 Des Moines, Iowa?

  • First Class Community Credit Union: 7.25% (Recreational Loans)
  • Collins Community Credit Union: 8.50% (Credit Builder Loan)
  • Greater Iowa Credit Union: 8.99% (Personal Loan)
  • Serve Credit Union: 8.99% (IMAGINE LOAN)
  • Bankers Trust Company: 9.51% (Unsecured Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Des Moines, Iowa. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 24, 2026.

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