Best Personal Loan Rates in West Des Moines, Iowa (IA) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Iowa borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in West Des Moines, Iowa include: First Class Community Credit UnionFirst Class Community Credit Union2051 Westown Pkwy, West Des Moines, IA, 50265 1541A+5.0 ★Texas Ratio: 1.71% offering Personal Loans at 8.49% APR, Collins Community Credit UnionCollins Community Credit Union6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004B-4.3 ★Texas Ratio: 23.97% offering Credit Builder Loan at 8.50% APR, Greater Iowa Credit UnionGreater Iowa Credit Union1630 22nd St, West Des Moines, IA, 50266 1407A5.0 ★Texas Ratio: 8.63% offering Personal Loans at 8.99% APR, Marine Credit UnionMarine Credit Union909 9th St, West Des Moines, IA, 50265A-4.9 ★Texas Ratio: 16.80% offering Unsecured Loan at 12.11% APR, and Midwest Heritage BankMidwest Heritage Bank3580 Ep True Pkwy, West Des Moines, IA, 50265A+5.0 ★Texas Ratio: 0.99% offering Personal/Unsecured Loan at 13.97% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
West Des Moines has 5 local institutions in our database, with personal loan rates as low as 8.49% APR from First Class Community Credit Union at 2051 Westown Pkwy, West Des Moines, IA, 50265 1541. 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 West Des Moines, Iowa.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in West 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: May 12, 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%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 14, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
Credit Builder Loan
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
As Low As
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
1630 22nd St, West Des Moines, IA, 50266 1407
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 14, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
Unsecured Personal Loan
9.10%
▼
APR9.10%
Last UpdatedMay 14, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
Unsecured Personal Loan
9.60%
▼
APR9.60%
Last UpdatedMay 14, 2026
Details
As Low As
Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.80%
909 9th St, West Des Moines, IA, 50265
Unsecured Loan
12.11%
▼
APR12.11%
Last UpdatedMay 14, 2026
Details
As Low As
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA, 50265
Personal/Unsecured Loan
13.97%
▼
APR13.97%
Last UpdatedMay 14, 2026
Details
Loan Amount: $7,500
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1 Year Construction Loan
5.75%
▼
APR5.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
120-month Power Equity Loan
6.72%
▼
APR6.72%
Last UpdatedMay 14, 2026
Details
No additional details available.
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedMay 14, 2026
Details
$12K Unsecured Limit
APR7.45%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR7.45%
Last UpdatedMay 14, 2026
Details
As Low As; Offer valid 4/1/2026 - 6/30/2026. Valid only on new loans submitted and approved. Certain qualifications apply.
River Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedMay 14, 2026
Details
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
APR7.74%
Last UpdatedMay 14, 2026
Details
3 Years
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
Construction Loan
7.93%
▼
APR7.93%
Last UpdatedMay 14, 2026
Details
Credit Score: 700+
APR7.99%
Last UpdatedMay 14, 2026
Details
4 Years
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
$12K Unsecured Limit
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) Up to 12 Months Relationship Rate
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 13 to 24 Months Relationship Rate
8.20%
▼
APR8.20%
Last UpdatedMay 14, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) Up to 12 Months
8.25%
▼
APR8.25%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.45%
Last UpdatedMay 14, 2026
Details
No additional details available.
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 13 to 24 Months
8.45%
▼
APR8.45%
Last UpdatedMay 14, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 25 to 36 Months Relationship Rate
8.45%
▼
APR8.45%
Last UpdatedMay 14, 2026
Details
As Low As
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
Holiday Loan
8.49%
▼
APR8.49%
Last UpdatedMay 14, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 25 to 36 Months
8.70%
▼
APR8.70%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.99%
Last UpdatedMay 14, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Family Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMay 14, 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%
Personal Loan Special
9.00%
▼
APR9.00%
Last UpdatedMay 14, 2026
Details
Unsecured Limit: $20K
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMay 14, 2026
Details
$12K Unsecured Limit
APR9.25%
Last UpdatedMay 14, 2026
Details
As Low As
APR9.25%
Last UpdatedMay 14, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
APR9.45%
Last UpdatedMay 14, 2026
Details
No additional details available.
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 37 to 48 Months Relationship Rate
9.45%
▼
APR9.45%
Last UpdatedMay 14, 2026
Details
As Low As
APR9.49%
Last UpdatedMay 14, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
APR9.50%
Last UpdatedMay 14, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
9.50%
▼
APR9.50%
Last UpdatedMay 14, 2026
Details
Unsecured Limit: $20K
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedMay 14, 2026
Details
$12K Unsecured Limit
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
CLOSED END SIGNATURE
9.50%
▼
APR9.50%
Last UpdatedMay 14, 2026
Details
As Low As; UP TO 12 MONTHS
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 37 to 48 Months
9.70%
▼
APR9.70%
Last UpdatedMay 14, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
SUMMER LOAN SPECIAL
9.74%
▼
APR9.74%
Last UpdatedMay 14, 2026
Details
As Low As
APR9.75%
Last UpdatedMay 14, 2026
Details
As Low As
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
Consumer Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR9.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Unsecured Loans 6 - 24 months
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
CLOSED END SIGNATURE
10.00%
▼
APR10.00%
Last UpdatedMay 14, 2026
Details
As Low As; 13 TO 36 MONTHS
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMay 14, 2026
Details
$12K Unsecured Limit
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
10.00%
▼
APR10.00%
Last UpdatedMay 14, 2026
Details
Unsecured Limit: $20K
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
Unsecured
10.25%
▼
APR10.25%
Last UpdatedMay 14, 2026
Details
As Low As
APR10.29%
Last UpdatedMay 14, 2026
Details
As Low As
APR10.45%
Last UpdatedMay 14, 2026
Details
No additional details available.
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) Up to 60 Relationship Rate
10.45%
▼
APR10.45%
Last UpdatedMay 14, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 14, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 14, 2026
Details
As Low As
APR10.49%
Last UpdatedMay 14, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) Up to 60
10.70%
▼
APR10.70%
Last UpdatedMay 14, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
Unsecured
10.75%
▼
APR10.75%
Last UpdatedMay 14, 2026
Details
As Low As
Citizens Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Unsecured Loans
10.90%
▼
APR10.90%
Last UpdatedMay 14, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
United Credit Union Council Bluffs, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
11.00%
▼
APR11.00%
Last UpdatedMay 14, 2026
Details
Unsecured Limit: $20K
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
OPEN END SIGNATURE
11.00%
▼
APR11.00%
Last UpdatedMay 14, 2026
Details
As Low As; 24 MONTH REVIEW
Casebine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
General Unsecured
11.04%
▼
APR11.04%
Last UpdatedMay 14, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Personal Loans (Unsecured)
11.24%
▼
APR11.24%
Last UpdatedMay 14, 2026
Details
As Low As
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.47%
Signature (Closed End)
11.24%
▼
APR11.24%
Last UpdatedMay 14, 2026
Details
As Low As
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
Personal Loan Greater than
11.25%
▼
APR11.25%
Last UpdatedMay 14, 2026
Details
$5,000
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
Unsecured
11.25%
▼
APR11.25%
Last UpdatedMay 14, 2026
Details
As Low As
APR11.45%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR11.49%
Last UpdatedMay 14, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Personal Loans (Unsecured)
11.49%
▼
APR11.49%
Last UpdatedMay 14, 2026
Details
As Low As
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
Signature loans - No collateral required
11.50%
▼
APR11.50%
Last UpdatedMay 14, 2026
Details
APR (Rate is based on credit score and automatic payment)
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Personal Loans (Unsecured)
11.74%
▼
APR11.74%
Last UpdatedMay 14, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Personal/Signature Loan
11.74%
▼
APR11.74%
Last UpdatedMay 14, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
Unsecured
11.75%
▼
APR11.75%
Last UpdatedMay 14, 2026
Details
As Low As
Sioux Valley Community Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.29%
to $2,999 Unsecured
11.90%
▼
APR11.90%
Last UpdatedMay 14, 2026
Details
Over $1,000
Sioux Valley Community Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.29%
Unsecured
11.90%
▼
APR11.90%
Last UpdatedMay 14, 2026
Details
Up to $1,000
APR11.99%
Last UpdatedMay 14, 2026
Details
As Low As
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Unsecured Loans 25 - 48 months
11.99%
▼
APR11.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Unsecured Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMay 14, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
12.00%
▼
APR12.00%
Last UpdatedMay 14, 2026
Details
Unsecured Limit: $20K
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Personal Loans (Unsecured)
12.24%
▼
APR12.24%
Last UpdatedMay 14, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
Unsecured
12.25%
▼
APR12.25%
Last UpdatedMay 14, 2026
Details
As Low As
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Unsecured Personal Loan
12.49%
▼
APR12.49%
Last UpdatedMay 14, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedMay 14, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Personal/Signature Loan
12.74%
▼
APR12.74%
Last UpdatedMay 14, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
Unsecured
12.75%
▼
APR12.75%
Last UpdatedMay 14, 2026
Details
As Low As
APR12.99%
Last UpdatedMay 14, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR12.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR12.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR13.22%
Last UpdatedMay 14, 2026
Details
As Low As
APR13.22%
Last UpdatedMay 14, 2026
Details
As Low As
APR13.47%
Last UpdatedMay 14, 2026
Details
As Low As
APR13.47%
Last UpdatedMay 14, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Signature Loan & Personal Loan
13.50%
▼
APR13.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR13.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR14.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature
14.00%
▼
APR14.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR14.74%
Last UpdatedMay 14, 2026
Details
Regular APR: 14.74% - 24.74%
First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
Safety Check Loan
18.00%
▼
APR18.00%
Last UpdatedMay 14, 2026
Details
Click here for important product information.
APR18.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
Payday Alternative Loan
19.00%
▼
APR19.00%
Last UpdatedMay 14, 2026
Details
As Low As
Powered by
MonitorBankRates
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%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 14, 2026
Details
As Low As
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
1630 22nd St, West Des Moines, IA, 50266 1407
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 14, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
Unsecured Personal Loan
9.10%
▼
APR9.10%
Last UpdatedMay 14, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004
Unsecured Personal Loan
9.60%
▼
APR9.60%
Last UpdatedMay 14, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedMay 14, 2026
Details
$12K Unsecured Limit
APR7.45%
Last UpdatedMay 14, 2026
Details
As Low As; Offer valid 4/1/2026 - 6/30/2026. Valid only on new loans submitted and approved. Certain qualifications apply.
River Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedMay 14, 2026
Details
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
$12K Unsecured Limit
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) Up to 12 Months Relationship Rate
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 13 to 24 Months Relationship Rate
8.20%
▼
APR8.20%
Last UpdatedMay 14, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) Up to 12 Months
8.25%
▼
APR8.25%
Last UpdatedMay 14, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 25 to 36 Months Relationship Rate
8.45%
▼
APR8.45%
Last UpdatedMay 14, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 13 to 24 Months
8.45%
▼
APR8.45%
Last UpdatedMay 14, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 25 to 36 Months
8.70%
▼
APR8.70%
Last UpdatedMay 14, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMay 14, 2026
Details
$12K Unsecured Limit
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
9.00%
▼
APR9.00%
Last UpdatedMay 14, 2026
Details
Unsecured Limit: $20K
APR9.25%
Last UpdatedMay 14, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 37 to 48 Months Relationship Rate
9.45%
▼
APR9.45%
Last UpdatedMay 14, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedMay 14, 2026
Details
$12K Unsecured Limit
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
9.50%
▼
APR9.50%
Last UpdatedMay 14, 2026
Details
Unsecured Limit: $20K
APR9.50%
Last UpdatedMay 14, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 37 to 48 Months
9.70%
▼
APR9.70%
Last UpdatedMay 14, 2026
Details
As Low As
APR9.75%
Last UpdatedMay 14, 2026
Details
As Low As
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
Consumer Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMay 14, 2026
Details
$12K Unsecured Limit
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
10.00%
▼
APR10.00%
Last UpdatedMay 14, 2026
Details
Unsecured Limit: $20K
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) Up to 60 Relationship Rate
10.45%
▼
APR10.45%
Last UpdatedMay 14, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 14, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 14, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) Up to 60
10.70%
▼
APR10.70%
Last UpdatedMay 14, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
11.00%
▼
APR11.00%
Last UpdatedMay 14, 2026
Details
Unsecured Limit: $20K
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Personal Loans (Unsecured)
11.24%
▼
APR11.24%
Last UpdatedMay 14, 2026
Details
As Low As
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
Personal Loan Greater than
11.25%
▼
APR11.25%
Last UpdatedMay 14, 2026
Details
$5,000
APR11.49%
Last UpdatedMay 14, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Personal Loans (Unsecured)
11.49%
▼
APR11.49%
Last UpdatedMay 14, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Personal Loans (Unsecured)
11.74%
▼
APR11.74%
Last UpdatedMay 14, 2026
Details
As Low As
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Unsecured Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMay 14, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
12.00%
▼
APR12.00%
Last UpdatedMay 14, 2026
Details
Unsecured Limit: $20K
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Personal Loans (Unsecured)
12.24%
▼
APR12.24%
Last UpdatedMay 14, 2026
Details
As Low As
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Unsecured Personal Loan
12.49%
▼
APR12.49%
Last UpdatedMay 14, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedMay 14, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedMay 14, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Signature Loan & Personal Loan
13.50%
▼
APR13.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
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No debt consolidation personal loan rates found in West Des Moines, IA currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Family Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMay 14, 2026
Details
As Low As; * Actual Rate you receive is based on your credit score and term.
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
CLOSED END SIGNATURE
9.50%
▼
APR9.50%
Last UpdatedMay 14, 2026
Details
As Low As; UP TO 12 MONTHS
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR9.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
CLOSED END SIGNATURE
10.00%
▼
APR10.00%
Last UpdatedMay 14, 2026
Details
As Low As; 13 TO 36 MONTHS
APR10.29%
Last UpdatedMay 14, 2026
Details
As Low As
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
OPEN END SIGNATURE
11.00%
▼
APR11.00%
Last UpdatedMay 14, 2026
Details
As Low As; 24 MONTH REVIEW
United Credit Union Council Bluffs, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.47%
Signature (Closed End)
11.24%
▼
APR11.24%
Last UpdatedMay 14, 2026
Details
As Low As
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
Signature loans - No collateral required
11.50%
▼
APR11.50%
Last UpdatedMay 14, 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%
Personal/Signature Loan
11.74%
▼
APR11.74%
Last UpdatedMay 14, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Personal/Signature Loan
12.74%
▼
APR12.74%
Last UpdatedMay 14, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Signature Loan & Personal Loan
13.50%
▼
APR13.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature
14.00%
▼
APR14.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR14.74%
Last UpdatedMay 14, 2026
Details
Regular APR: 14.74% - 24.74%
Powered by
MonitorBankRates
No home improvement personal loan rates found in West Des Moines, IA currently.
West Des Moines, IA Personal Loan Rate Trends
Compare local West Des Moines, 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.
Personal Loan — IA Avg
10.679%
▼ 0.196 vs 7 days ago
Iowa personal loan rates fell 0.196 points over the past 7 days to 10.679% APR.
Signature Loan — IA Avg
11.950%
▲ 0.093 vs 7 days ago
Iowa signature loan rates rose 0.093 points over the past 7 days to 11.950% APR.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Iowa?
Most lenders in West 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 West 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 West 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 West Des Moines, Iowa?
Credit unions in West 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 West Des Moines, Iowa?
- First Class Community Credit Union: 8.49% (Personal Loans)
- Collins Community Credit Union: 8.50% (Credit Builder Loan)
- Greater Iowa Credit Union: 8.99% (Personal Loans)
- Marine Credit Union: 12.11% (Unsecured Loan)
- Midwest Heritage Bank: 13.97% (Personal/Unsecured Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in West Des Moines, Iowa. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026.
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