Best Personal Loan Rates in Odessa, Texas (TX) - May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Texas 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 Odessa, Texas include: Southwest Heritage Credit UnionSouthwest Heritage Credit Union2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125A+5.0 ★Texas Ratio: 4.59% offering Signature Loan at 8.00% APR, West Texas Credit UnionWest Texas Credit Union1001 N Lee Ave, Odessa, TX, 79761 3948A+5.0 ★Texas Ratio: 5.61% offering Personal Loans at 8.74% APR, Odessa Employees Credit UnionOdessa Employees Credit Union1006 E 7th St, Odessa, TX, 79761 4623A+5.0 ★Texas Ratio: 0.00% offering Signature at 8.90% APR, Complex Community Federal Credit UnionComplex Community Federal Credit Union4519 E 51st St, Odessa, TX, 79762A+5.0 ★Texas Ratio: 3.26% offering Personal Loans at 8.95% APR, and TxDot Credit UnionTxDot Credit Union4692 E University Blvd Ste 102, Odessa, TX, 79762 6100A+5.0 ★Texas Ratio: 1.30% offering Debt Consolidation at 9.00% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Odessa has 6 local institutions in our database, with personal loan rates as low as 8.00% APR from Southwest Heritage Credit Union at 2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125. 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 Odessa, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Odessa, Texas. 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
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
Up to 6 months
West Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
1001 N Lee Ave, Odessa, TX, 79761 3948
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedMay 14, 2026
Details
As Low As
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
Signature
8.90%
▼
APR8.90%
Last UpdatedMay 14, 2026
Details
As Low As
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
4519 E 51st St, Odessa, TX, 79762
Personal Loans
8.95%
▼
APR8.95%
Last UpdatedMay 14, 2026
Details
No additional details available.
TxDot Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
4692 E University Blvd Ste 102, Odessa, TX, 79762 6100
Debt Consolidation
9.00%
▼
APR9.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
Signature Loan
9.35%
▼
APR9.35%
Last UpdatedMay 14, 2026
Details
Up to 12 months
TxDot Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
4692 E University Blvd Ste 102, Odessa, TX, 79762 6100
Personal
10.00%
▼
APR10.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
Signature Loan
10.35%
▼
APR10.35%
Last UpdatedMay 14, 2026
Details
Up to 24 months
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
Signature Loan
11.85%
▼
APR11.85%
Last UpdatedMay 14, 2026
Details
Up to 36 months
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Personal Loans
12.49%
▼
APR12.49%
Last UpdatedMay 14, 2026
Details
As Low As
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Personal Loans
12.74%
▼
APR12.74%
Last UpdatedMay 14, 2026
Details
As Low As
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Unsecured Loans
12.74%
▼
APR12.74%
Last UpdatedMay 14, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
4.49%
▼
APR4.49%
Last UpdatedMay 14, 2026
Details
As Low As
APR4.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
Recreational/Title Loans
4.58%
▼
APR4.58%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR4.64%
Last UpdatedMay 14, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
4.74%
▼
APR4.74%
Last UpdatedMay 14, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMay 14, 2026
Details
As Low As
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
PERSONAL LOAN
4.89%
▼
APR4.89%
Last UpdatedMay 14, 2026
Details
No additional details available.
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
Credit Builder And Mender Loan
4.90%
▼
APR4.90%
Last UpdatedMay 14, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
4.99%
▼
APR4.99%
Last UpdatedMay 14, 2026
Details
As Low As
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Personal Loans with Collateral
5.00%
▼
APR5.00%
Last UpdatedMay 14, 2026
Details
A+ rating
APR5.00%
Last UpdatedMay 14, 2026
Details
As Low As; Call the credit union for loan promotion rates
APR5.25%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR5.25%
Last UpdatedMay 14, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
5.49%
▼
APR5.49%
Last UpdatedMay 14, 2026
Details
As Low As
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
Loan Special
5.50%
▼
APR5.50%
Last UpdatedMay 14, 2026
Details
As Low As; No Refinancing of existing loans; Rate based on Credit Score; Limited to one loan special every 90 days
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
Signature Loan Special
5.50%
▼
APR5.50%
Last UpdatedMay 14, 2026
Details
As Low As; Borrow up to $2,000 for up to 24 months.
APR5.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR5.59%
Last UpdatedMay 14, 2026
Details
As Low As; Restrictions Apply
APR5.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Unimproved Property Loan
5.75%
▼
APR5.75%
Last UpdatedMay 14, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Interim Construction Loan
5.75%
▼
APR5.75%
Last UpdatedMay 14, 2026
Details
As Low As
APR5.99%
Last UpdatedMay 14, 2026
Details
As Low As; Up to 70%
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedMay 14, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Unsecured Financing A+
6.00%
▼
APR6.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR6.00%
Last UpdatedMay 14, 2026
Details
Months
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
6.24%
▼
APR6.24%
Last UpdatedMay 14, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Unsecured Loan
6.45%
▼
APR6.45%
Last UpdatedMay 14, 2026
Details
As Low As; Up to $10,000
APR6.50%
Last UpdatedMay 14, 2026
Details
As Low As
APR6.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 14, 2026
Details
As Low As
APR6.50%
Last UpdatedMay 14, 2026
Details
As Low As
APR6.50%
Last UpdatedMay 14, 2026
Details
As Low As; Borrow up to $25,000
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
6.59%
▼
APR6.59%
Last UpdatedMay 14, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
Adventure Loans
6.59%
▼
APR6.59%
Last UpdatedMay 14, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Special Signature Rate
6.59%
▼
APR6.59%
Last UpdatedMay 14, 2026
Details
No additional details available.
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
Personal Loans
6.60%
▼
APR6.60%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR6.65%
Last UpdatedMay 14, 2026
Details
As Low As; Regular APR: 10.090%
APR6.70%
Last UpdatedMay 14, 2026
Details
As Low As
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Instant Cash Loans
6.75%
▼
APR6.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
Brazos Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Back on Track Loans
6.75%
▼
APR6.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR6.79%
Last UpdatedMay 14, 2026
Details
No additional details available.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
Signature Loans
6.83%
▼
APR6.83%
Last UpdatedMay 14, 2026
Details
No additional details available.
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
Construction Loan
6.88%
▼
APR6.88%
Last UpdatedMay 14, 2026
Details
As Low As
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
Land Loan 10 Year Fixed
6.88%
▼
APR6.88%
Last UpdatedMay 14, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Special Signature Rate
6.89%
▼
APR6.89%
Last UpdatedMay 14, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Unsecured Loan
6.95%
▼
APR6.95%
Last UpdatedMay 14, 2026
Details
As Low As; $10,001-$15,000
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
Personal/Longevity
6.95%
▼
APR6.95%
Last UpdatedMay 14, 2026
Details
As Low As
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
Personal/Longevity Up to 60 Months
6.95%
▼
APR6.95%
Last UpdatedMay 14, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Land Loan 5-year Fixed
6.99%
▼
APR6.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR6.99%
Last UpdatedMay 14, 2026
Details
As Low As; 71% to 80%
APR6.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR6.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.00%
Last UpdatedMay 14, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Annual Loan
7.00%
▼
APR7.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Personal Loans with Collateral
7.00%
▼
APR7.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
Summer/Holiday Loan
7.00%
▼
APR7.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
7.09%
▼
APR7.09%
Last UpdatedMay 14, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
Unsecured Personal Loans
7.14%
▼
APR7.14%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.14%
Last UpdatedMay 14, 2026
Details
No additional details available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured Signature Loans
7.24%
▼
APR7.24%
Last UpdatedMay 14, 2026
Details
As Low As
Allied Plastics Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
Recreational Loans
7.25%
▼
APR7.25%
Last UpdatedMay 14, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
Land Loans
7.25%
▼
APR7.25%
Last UpdatedMay 14, 2026
Details
No additional details available.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.25%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.29%
Last UpdatedMay 14, 2026
Details
No additional details available.
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Anything Loan
7.35%
▼
APR7.35%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.39%
Last UpdatedMay 14, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Unsecured Loan
7.45%
▼
APR7.45%
Last UpdatedMay 14, 2026
Details
As Low As; $15,001-$25,000
APR7.49%
Last UpdatedMay 14, 2026
Details
As Low As; 81% to 90%
APR7.49%
Last UpdatedMay 14, 2026
Details
No additional details available.
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Land Loan 10-year Fixed
7.49%
▼
APR7.49%
Last UpdatedMay 14, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Hot Tub/Sauna Loans
7.50%
▼
APR7.50%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.50%
Last UpdatedMay 14, 2026
Details
As Low As
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Special Occasion Loans
7.50%
▼
APR7.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
ELLIS COUNTY TEACHERS AND EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
Personal Property NEW
7.50%
▼
APR7.50%
Last UpdatedMay 14, 2026
Details
UP TO 48 MONTHS
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
7.59%
▼
APR7.59%
Last UpdatedMay 14, 2026
Details
As Low As
First Priority Credit Union Abilene, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
7.64%
▼
APR7.64%
Last UpdatedMay 14, 2026
Details
As Low As; ends April 30; call for details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
Unsecured Personal Loans
7.64%
▼
APR7.64%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.75%
Last UpdatedMay 14, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Hot Tub/Sauna Loans
7.75%
▼
APR7.75%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.79%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR7.82%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.84%
Last UpdatedMay 14, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans
7.90%
▼
APR7.90%
Last UpdatedMay 14, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans 12 months
7.90%
▼
APR7.90%
Last UpdatedMay 14, 2026
Details
As Low As
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Personal Loans
7.90%
▼
APR7.90%
Last UpdatedMay 14, 2026
Details
As Low As
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Signature
7.90%
▼
APR7.90%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR7.95%
Last UpdatedMay 14, 2026
Details
As Low As; APR quoted represents up to a 36-month term for a personal loan. Estimated monthly payment of $86.30 per $1,000 borrowed for 12-month term. Your rate may vary. Qualifications based on credit history, debt and ability to repay. Loan amounts $1,000 - $25,000. Refinancing of existing Mesquite Credit Union loan is not permitted.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Any Time, Any Day Loan
7.95%
▼
APR7.95%
Last UpdatedMay 14, 2026
Details
No additional details available.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Anytime Any Day Loans
7.95%
▼
APR7.95%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.98%
Last UpdatedMay 14, 2026
Details
As Low As; Up to $35,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Personal/Unsecured
7.99%
▼
APR7.99%
Last UpdatedMay 14, 2026
Details
(Fixed)
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal /Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As; from $1,001 to $75,000
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Unsecured Financing A
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR8.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR8.00%
Last UpdatedMay 14, 2026
Details
Rate, amount and length of payout set according to credit rating). May be renewed every 6 months if there have been no delinquencies on BFCU loans
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Signature
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.00%
Last UpdatedMay 14, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Hot Tub/Sauna Loans
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
up to $5,000; As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
up to $15,000
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
Disaster Preparedness Loan
8.05%
▼
APR8.05%
Last UpdatedMay 14, 2026
Details
Minimum APR (has an AMOCO Mortgage Loan)
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
8.09%
▼
APR8.09%
Last UpdatedMay 14, 2026
Details
As Low As
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Signature & Lifestyle Loans Up to 12 Months
8.24%
▼
APR8.24%
Last UpdatedMay 14, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.24%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.24%
Last UpdatedMay 14, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.25%
▼
APR8.25%
Last UpdatedMay 14, 2026
Details
up to $15,000
APR8.25%
Last UpdatedMay 14, 2026
Details
As Low As
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Signature Loans
8.40%
▼
APR8.40%
Last UpdatedMay 14, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Unsecured Loan
8.45%
▼
APR8.45%
Last UpdatedMay 14, 2026
Details
As Low As; $25,001-$50,000
APR8.45%
Last UpdatedMay 14, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.49%
Last UpdatedMay 14, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Signature
8.49%
▼
APR8.49%
Last UpdatedMay 14, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedMay 14, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Signature Loan
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Premier Loan
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
As Low As; from $75,001 to $250,000
APR8.50%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.50%
Last UpdatedMay 14, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Miscellaneous Equipment Loan
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
As Low As; Maximum Loan Discount: 0.75%
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
12 Months 1 Payment Loan
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
up to $15,000
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
Signature
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
8.59%
▼
APR8.59%
Last UpdatedMay 14, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Signature Loan(closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedMay 14, 2026
Details
No additional details available.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 14, 2026
Details
No additional details available.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
Signature
8.74%
▼
APR8.74%
Last UpdatedMay 14, 2026
Details
No additional details available.
Communities Of Abilene Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
SIGNATURE LOANS
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
As Low As
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Signature Loans
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
As Low As
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Signature Loan
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
As Low As
Wichita Falls Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Signature
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
up to $15,000
Ben E Keith Company Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
As Low As
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMay 14, 2026
Details
As Low As; Loan Amount $500-$40,000
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Energy Efficiency Loans
8.90%
▼
APR8.90%
Last UpdatedMay 14, 2026
Details
Tier Level: A+ (Equifax Score 750+)
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Signature Loan
8.90%
▼
APR8.90%
Last UpdatedMay 14, 2026
Details
As Low As; Fixed rate for the life of the loan; Terms up to 48 months *Disclosing restrictions apply
APR8.90%
Last UpdatedMay 14, 2026
Details
As Low As
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Signature Loans
8.90%
▼
APR8.90%
Last UpdatedMay 14, 2026
Details
As Low As
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
New Personal Loans
8.90%
▼
APR8.90%
Last UpdatedMay 14, 2026
Details
As Low As; Maximum Loan: up to $7,500.00 or approved limit.
ELLIS COUNTY TEACHERS AND EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
Personal Property USED
8.90%
▼
APR8.90%
Last UpdatedMay 14, 2026
Details
UP TO 48 MONTHS
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
West Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
1001 N Lee Ave, Odessa, TX, 79761 3948
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedMay 14, 2026
Details
As Low As
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
4519 E 51st St, Odessa, TX, 79762
Personal Loans
8.95%
▼
APR8.95%
Last UpdatedMay 14, 2026
Details
No additional details available.
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Personal Loans
12.49%
▼
APR12.49%
Last UpdatedMay 14, 2026
Details
As Low As
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
4037 E 42nd St, Odessa, TX, 79762 5935
Personal Loans
12.74%
▼
APR12.74%
Last UpdatedMay 14, 2026
Details
As Low As
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
PERSONAL LOAN
4.89%
▼
APR4.89%
Last UpdatedMay 14, 2026
Details
No additional details available.
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Personal Loans with Collateral
5.00%
▼
APR5.00%
Last UpdatedMay 14, 2026
Details
A+ rating
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedMay 14, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 14, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
Personal Loans
6.60%
▼
APR6.60%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR6.99%
Last UpdatedMay 14, 2026
Details
As Low As
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Personal Loans with Collateral
7.00%
▼
APR7.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
Unsecured Personal Loans
7.14%
▼
APR7.14%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.14%
Last UpdatedMay 14, 2026
Details
No additional details available.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.50%
Last UpdatedMay 14, 2026
Details
As Low As
First Priority Credit Union Abilene, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
7.64%
▼
APR7.64%
Last UpdatedMay 14, 2026
Details
As Low As; ends April 30; call for details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
Unsecured Personal Loans
7.64%
▼
APR7.64%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.75%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.84%
Last UpdatedMay 14, 2026
Details
As Low As
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Personal Loans
7.90%
▼
APR7.90%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.98%
Last UpdatedMay 14, 2026
Details
As Low As; Up to $35,000
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
up to $15,000
APR8.00%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.24%
Last UpdatedMay 14, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.24%
Last UpdatedMay 14, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.25%
▼
APR8.25%
Last UpdatedMay 14, 2026
Details
up to $15,000
APR8.25%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.45%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.49%
Last UpdatedMay 14, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 14, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
up to $15,000
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.50%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.50%
Last UpdatedMay 14, 2026
Details
As Low As
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 14, 2026
Details
No additional details available.
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
up to $15,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMay 14, 2026
Details
As Low As; Loan Amount $500-$40,000
Concho Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
New Personal Loans
8.90%
▼
APR8.90%
Last UpdatedMay 14, 2026
Details
As Low As; Maximum Loan: up to $7,500.00 or approved limit.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
TxDot Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
4692 E University Blvd Ste 102, Odessa, TX, 79762 6100
Debt Consolidation
9.00%
▼
APR9.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Debt Consolidation
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As; Up to 72 Months
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
Debt Consolidation Loan
12.05%
▼
APR12.05%
Last UpdatedMay 14, 2026
Details
No additional details available.
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Debt Consolidation Loan
12.74%
▼
APR12.74%
Last UpdatedMay 14, 2026
Details
Debt Consolidation
Covenant Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
Debt Consolidation Loans
12.90%
▼
APR12.90%
Last UpdatedMay 14, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
Debt Consolidation Loan
13.05%
▼
APR13.05%
Last UpdatedMay 14, 2026
Details
No additional details available.
Access Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
Debt Consolidation
13.99%
▼
APR13.99%
Last UpdatedMay 14, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 14, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
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
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
Up to 6 months
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1006 E 7th St, Odessa, TX, 79761 4623
Signature
8.90%
▼
APR8.90%
Last UpdatedMay 14, 2026
Details
As Low As
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
Signature Loan
9.35%
▼
APR9.35%
Last UpdatedMay 14, 2026
Details
Up to 12 months
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
Signature Loan
10.35%
▼
APR10.35%
Last UpdatedMay 14, 2026
Details
Up to 24 months
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
Signature Loan
11.85%
▼
APR11.85%
Last UpdatedMay 14, 2026
Details
Up to 36 months
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
Signature Loan Special
5.50%
▼
APR5.50%
Last UpdatedMay 14, 2026
Details
As Low As; Borrow up to $2,000 for up to 24 months.
APR6.00%
Last UpdatedMay 14, 2026
Details
Months
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Special Signature Rate
6.59%
▼
APR6.59%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR6.79%
Last UpdatedMay 14, 2026
Details
No additional details available.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
Signature Loans
6.83%
▼
APR6.83%
Last UpdatedMay 14, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Special Signature Rate
6.89%
▼
APR6.89%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR6.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR7.00%
Last UpdatedMay 14, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured Signature Loans
7.24%
▼
APR7.24%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.29%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR7.39%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR7.49%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR7.79%
Last UpdatedMay 14, 2026
Details
No additional details available.
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Signature
7.90%
▼
APR7.90%
Last UpdatedMay 14, 2026
Details
No additional details available.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans 12 months
7.90%
▼
APR7.90%
Last UpdatedMay 14, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans
7.90%
▼
APR7.90%
Last UpdatedMay 14, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal /Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As; from $1,001 to $75,000
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
up to $5,000; As Low As
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Signature
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Signature & Lifestyle Loans Up to 12 Months
8.24%
▼
APR8.24%
Last UpdatedMay 14, 2026
Details
No additional details available.
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Signature Loans
8.40%
▼
APR8.40%
Last UpdatedMay 14, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Signature
8.49%
▼
APR8.49%
Last UpdatedMay 14, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedMay 14, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Signature Loan
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
Signature
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Signature Loan(closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedMay 14, 2026
Details
No additional details available.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
Signature
8.74%
▼
APR8.74%
Last UpdatedMay 14, 2026
Details
No additional details available.
Ben E Keith Company Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
As Low As
Wichita Falls Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Signature
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
Communities Of Abilene Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
SIGNATURE LOANS
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
As Low As
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Signature Loan
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
As Low As
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Signature Loans
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
As Low As
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Signature Loan
8.90%
▼
APR8.90%
Last UpdatedMay 14, 2026
Details
As Low As; Fixed rate for the life of the loan; Terms up to 48 months *Disclosing restrictions apply
APR8.90%
Last UpdatedMay 14, 2026
Details
As Low As
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Signature Loans
8.90%
▼
APR8.90%
Last UpdatedMay 14, 2026
Details
As Low As
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No home improvement personal loan rates found in Odessa, TX currently.
Odessa, TX Personal Loan Rate Trends
Compare local Odessa, TX 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 — TX Avg
10.784%
▼ 0.037 vs 7 days ago
Texas personal loan rates fell 0.037 points over the past 7 days to 10.784% APR.
Signature Loan — TX Avg
12.436%
▼ 0.237 vs 7 days ago
Texas signature loan rates fell 0.237 points over the past 7 days to 12.436% 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 Texas?
Most lenders in Odessa, Texas 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 Texas often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Odessa, Texas 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 Texas?
Yes. Debt consolidation is one of the most common uses of personal loans in Odessa, Texas. 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 Odessa, Texas?
Credit unions in Odessa, Texas 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 Odessa, Texas?
- Southwest Heritage Credit Union: 8.00% (Signature Loan)
- West Texas Credit Union: 8.74% (Personal Loans)
- Odessa Employees Credit Union: 8.90% (Signature)
- Complex Community Federal Credit Union: 8.95% (Personal Loans)
- TxDot Credit Union: 9.00% (Debt Consolidation)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Odessa, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026.
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