Best Personal Loan Rates in Albert Lea, Minnesota - July
Brian McKay
Brian McKay
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Current personal loan options available to borrowers in Albert Lea, Minnesota include: Accentra Credit UnionAccentra Credit Union1619 Blake Ave, Albert Lea, MN, 56007B+4.8 ★Texas Ratio: 15.75% offering 36 Months - 0-2 years Loan at 4.87% APR, United Employees Credit UnionUnited Employees Credit Union430 Bridge Ave, Albert Lea, MN, 56007A+5.0 ★Texas Ratio: 1.92% offering Signature Loans at 9.99% APR, Trades & Labor Federal Credit UnionTrades & Labor Federal Credit Union610 S BROADWAY AVE, ALBERT LEA, MN, 56007 4526A+5.0 ★Texas Ratio: 4.24% offering PERSONAL LOAN (SIGNATURE) at 9.99% APR, Genisys Credit UnionGenisys Credit UnionA+5.0 ★Texas Ratio: 4.68% offering Transfer Balances & Save Money Loan at 3.99% APR, and TopLine Financial Credit UnionTopLine Financial Credit UnionA5.0 ★Texas Ratio: 6.35% offering 2022 & Newer Loan at 3.99% APR. Personal loan rates as of June 27, 2026 according to verified data from MonitorBankRates.
Albert Lea has 3 local institutions in our database, with personal loan rates as low as 4.87% APR from Accentra Credit Union at 1619 Blake Ave, Albert Lea, MN, 56007. 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 Albert Lea, Minnesota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Albert Lea, Minnesota. 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
Albert Lea Personal Loan Rates
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As Low As; Based On Credit (Beacon) Score for Equifax Credit Services
As Low As
As low as; APR is Annual Percentage Rate. Click for details.
As Low As; starting at 3.99%
Annual Percentage Rate. The interest rate is 4.000% (4.009% ARP) is based on a $1,000 personal loan secured by $1,000 held in a Lake Central Bank savings account, with the loan payment term being twelve (12) months. Payment example: 12 monthly payments of $85.05 for $1,000 borrowed. Rates effective as of 3/1/2019 and are subject to change without notice.
As Low As; starting at 4.49%
As Low As; starting at 4.49%
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As Low As; starting at 4.89%
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As Low As; starting at 4.99%
As Low As; starting at 4.99%
Maximum loan amount is $5,000. Co-signer may be required. Loan Funds will be deposited into an AHCU Checking Account. Supports students with little to no credit history.
$4,000-$7,000
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As Low As; starting at 5.49%
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$4,000-$8,000
As Low As*; Annual Percentage Yield designated as APR. Rates, terms and availability of product subject to change without notice. Proof of Income is required. Approximate monthly payment would be $85.95 per $1,000 borrowed at 5.74% for 12 months.
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As Low As; starting at 5.79%
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As Low As; Rates as low as 5.9% for up to 36 months.
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Rates start at; Your actual rate may be different depending on your payment and credit history.
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Albert Lea Personal Loan Rates
As Low As; Loan Amount: Up to $10,000
As Low As; Based On Credit (Beacon) Score for Equifax Credit Services
As Low As*; Annual Percentage Yield designated as APR. Rates, terms and availability of product subject to change without notice. Proof of Income is required. Approximate monthly payment would be $85.95 per $1,000 borrowed at 5.74% for 12 months.
As Low As; Rates as low as 5.9% for up to 36 months.
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Albert Lea Debt Consolidation Loan Rates
Albert Lea Signature Loan Rates
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As Low As; Based On Credit (Beacon) Score for Equifax Credit Services
Albert Lea, MN Personal Loan Rate Trends
Compare local Albert Lea, MN 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.
Minnesota personal loan rates fell 0.001 points over the past 7 days to 10.424% APR.
Minnesota signature loan rates rose 2.468 points over the past 7 days to 12.648% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Albert Lea, Minnesota 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 Albert Lea, Minnesota 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 Albert Lea, Minnesota. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MN.
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 Minnesota?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Minnesota?
Are credit unions or banks better for personal loans in Albert Lea, Minnesota?
What are the best personal loan rates in Albert Lea, Minnesota?
- Accentra Credit Union: 4.87% (36 Months - 0-2 years Loan)
- United Employees Credit Union: 9.99% (Signature Loans)
- Trades & Labor Federal Credit Union: 9.99% (PERSONAL LOAN (SIGNATURE))
- Genisys Credit Union: 3.99% (Transfer Balances & Save Money Loan)
- TopLine Financial Credit Union: 3.99% (2022 & Newer Loan)
Albert Lea, Minnesota Rates & Resources
Personal Loan Calculators
