Best Personal Loan Rates in Ottumwa, Iowa - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Ottumwa, Iowa include: Community 1st Credit Union Ottumwa, IACommunity 1st Credit Union Ottumwa, IA739 Pennsylvania Ave, Ottumwa, IA, 52501B-4.3 ★Texas Ratio: 21.04% offering Consumer (Model Year: 2023-2026; Terms up to 48 months) Loan at 4.59% APR, River Community Credit UnionRiver Community Credit Union644 W 2nd St, Ottumwa, IA, 52501 2358A+5.0 ★Texas Ratio: 2.00% offering Personal Loans at 7.50% APR, Meridian Credit UnionMeridian Credit Union1206 N Jefferson St, Ottumwa, IA, 52501 2020A+5.0 ★Texas Ratio: 2.10% offering Personal Loan at 9.25% APR, Sioux Valley Community Credit UnionSioux Valley Community Credit UnionC+4.1 ★Texas Ratio: 25.21% offering 2018 and Older Loan at 4.35% APR, and Community Choice Credit Union Johnston, IACommunity Choice Credit Union Johnston, IAA+5.0 ★Texas Ratio: 2.96% offering 2025 & Newer Loan at 4.52% APR. Personal loan rates as of June 27, 2026 according to verified data from MonitorBankRates.
Ottumwa has 3 local institutions in our database, with personal loan rates as low as 4.59% APR from Community 1st Credit Union Ottumwa, IA at 739 Pennsylvania Ave, Ottumwa, IA, 52501. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Ottumwa, Iowa.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Ottumwa, 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: June 27, 2026
Ottumwa Personal Loan Rates
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No additional details available.
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As low as**
As Low As; APR*
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As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
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Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
APR*
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
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As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
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As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
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Relationship Rate: 5.14%*
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
No additional details available.
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
APR*
As Low As; Term: 66
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Term: 60
Loan Amount: $25,000
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Relationship Rate: 5.34%*
As Low As; Term: 48
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Term: 36
Rates may vary based on term and credit qualifications. See credit union for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
No additional details available.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
APR*
80% loan-to-value ratio, Refinanced (existing loans) must add an additional $5,000 to receive this rate **Up to 180 months with 66 month balloon for loans over $15,000; APR*
No additional details available.
Interest Rate
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As Low As; Loyalty APR: 5.59%
No additional details available.
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As Low As; Term: 60
No additional details available.
As Low As; Term: 48
As Low As; Loyalty APR: 5.79%
As Low As; Term: 36
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Loan Amount: $20,000
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For $20,000, the monthly payment will be approximately $229.00.
No additional details available.
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As Low As; Loyalty APR: 6.34%
APR effective 10/1/2025
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Under $25,000
No additional details available.
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No additional details available.
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Rates may vary based on term and credit qualifications. See credit union for details.
Over $25,000
Rates subject to change. See loan officer for details.
As Low As; Term: 36
APR effective 10/1/2025
Credit Score: 700+
No additional details available.
Rates subject to change. See loan officer for details.
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No additional details available.
As Low As; Loyalty APR: 7.99%
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Loyalty APR: 8.04%
Relationship Rate: 8.35%
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Loan Amount: $15,000
As Low As; Special APR: 6.47%
As Low As; Special APR: 6.46%
No additional details available.
As Low As; Special APR: 6.56%
Actual Rate you receive is based on your credit score and term.
$20
As Low As; Special APR: 6.68%
As Low As; Special APR: 6.67%
Under $25,000
No additional details available.
Loan Amount: $10,000
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$20
Relationship Rate: 9.35%
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No additional details available.
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As Low As; rates vary by term and creditworthiness
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$20
As Low As; Loyalty APR: 9.69%
No additional details available.
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Over $25,000
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Over $25,000
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Ottumwa Personal Loan Rates
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Ottumwa Debt Consolidation Loan Rates
Ottumwa Signature Loan Rates
Actual Rate you receive is based on your credit score and term.
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As Low As; rates vary by term and creditworthiness
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Ottumwa, IA Personal Loan Rate Trends
Compare local Ottumwa, IA personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Iowa personal loan rates currently average 12.139% APR.
Iowa signature loan rates currently average 11.993% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Ottumwa, Iowa personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Ottumwa, Iowa directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Ottumwa, Iowa. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in IA.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Iowa?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Iowa?
Are credit unions or banks better for personal loans in Ottumwa, Iowa?
What are the best personal loan rates in Ottumwa, Iowa?
- Community 1st Credit Union Ottumwa, IA: 4.59% (Consumer (Model Year: 2023-2026; Terms up to 48 months) Loan)
- River Community Credit Union: 7.50% (Personal Loans)
- Meridian Credit Union: 9.25% (Personal Loan)
- Sioux Valley Community Credit Union: 4.35% (2018 and Older Loan)
- Community Choice Credit Union Johnston, IA: 4.52% (2025 & Newer Loan)
Personal Loan Calculators
