Best Personal Loan Rates in Texas City, Texas - 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 Texas City, Texas include: Amoco Federal Credit UnionAmoco Federal Credit Union2300 Texas Ave, Texas City, TX, 77590A5.0 ★Texas Ratio: 5.99% offering Credit Builder And Mender Loan at 4.90% APR, Synergy Federal Credit UnionSynergy Federal Credit Union1201 25th Ave N, Texas City, TX, 77590 5525A+5.0 ★Texas Ratio: 0.96% offering Other Collateral Loan at 6.50% APR, Gulf Shore Federal Credit UnionGulf Shore Federal Credit Union1306 N Logan St, Texas City, TX, 77590 5046A5.0 ★Texas Ratio: 6.68% offering New Tractor Loan at 8.75% APR, Associated Credit Union Of TexasAssociated Credit Union Of Texas1326 9th Ave N, Texas City, TX, 77590 7413A5.0 ★Texas Ratio: 9.07% offering Unsecured Personal Loan at 9.29% APR, and City of Deer Park Federal Credit UnionCity of Deer Park Federal Credit UnionA+5.0 ★Texas Ratio: 0.18% offering Credit Rating A+ 0-48 Months Loan at 3.99% APR. Personal loan rates as of June 29, 2026 according to verified data from MonitorBankRates.
Texas City has 4 local institutions in our database, with personal loan rates as low as 4.90% APR from Amoco Federal Credit Union at 2300 Texas Ave, Texas City, TX, 77590. 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 Texas City, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Texas City, 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: June 29, 2026
Texas City Personal Loan Rates
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As Low As
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Minimum APR (has an AMOCO Mortgage Loan): 8.05% - 18.00%
Maximum APR: 18.00%
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As Low As; *
As Low As; Learn More about personal loans
Maximum APR: 18.00%
Maximum APR: 18.00%
As Low As; *
No additional details available.
Minimum APR: 10.05% - 18.00%
Maximum APR: 18.00%
Rates are Variable*
Intro rate expires: 6 months; Regular APR: 10.65% - 18.00%
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Maximum APR: 18.00%
As Low As; *
Maximum APR: 18.00%
Maximum APR: 18.00%
Rates are Variable*
Rates are Variable*
Rates are Variable*
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Equifax Score: 750+
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Maximum Loan Discount: 0.75%
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Fixed
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As Low As
As Low As; Qualified buyers: Take 90 days to make your first payment.
Maximum Loan Discount: 0.75%
Equifax Score: 750+
As Low As
Minimum balance of $20,000 required.
As Low As; Qualified buyers: Take 90 days to make your first payment.
No additional details available.
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Intro rate expires: 9 months; Regular APR: 4.99%
Equifax Score: 750+
Maximum Loan Discount: 0.75%
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As Low As; *
A+ rating
Model Year: 2011 to 2015
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Model Year: 2016 to 2019
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Equifax Score: 700-749
No additional details available.
Monthly Payment per $10,000 Borrowed as low as $189.87
Equifax Score: 750+
Equifax Score: 750+
As Low As; Annual Percentage Rate
Model Year: 2020 to 2024
As Low As; Qualified buyers: Take 90 days to make your first payment.
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Model Year: 2025 to 2027
As Low As
Minimum balance of $30,000 required.
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Model Year: 2025 to 2027
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Maximum Loan Discount: 0.75%
As Low As
As Low As
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As Low As; Qualified buyers: Take 90 days to make your first payment.
Borrow up to $2,000. June & July 2026.
AS LOW AS
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As Low As; Apply Now »
As Low As
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Equifax Score: 700-749
Monthly Payment per $10,000 Borrowed as low as $109.78
As Low As; Qualified buyers: Take 90 days to make your first payment.
Equifax Score: 750+
No additional details available.
As Low As; More rate info
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
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MAX
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With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
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As low as; Rate and term based on year model, amount financed, and credit score. Rates subject to change.
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LTV: Up to 70%
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As Low As; Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc.
Equifax Score: 750+
Equifax Score: 700-749
No additional details available.
As Low As
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As Low As
+2.00% above Share Savings Dividend Rate*
APR*
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As Low As; Qualified buyers: Take 90 days to make your first payment.
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MAX
As Low As; Apply Now »
Model Year: 2025 to 2027
Maximum loan amount $100,000.00
No additional details available.
As Low As*
Maximum Loan Discount: 0.75%
Maximum Term: 72 Months**
Equifax Score: 700-749
Equifax Score: 700-749
Equifax Score: 750+
As Low As; APR= Annual Percentage Rate
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; Qualified buyers: Take 90 days to make your first payment.
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As Low As
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Maximum loan amount $50,000.00
$150,000; quoted with 20% down payment
Up to $10,000; As Low As
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As Low As
Up to $250,000
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As Low As
As Low As
As Low As; Loan Amount: $500 - $25,000
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interest only with remaining accrued interest and principal due at maturity
As Low As; Investment Property
As Low As; Investment Property
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$100,000; quoted with 20% down payment
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As Low As
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As Low As
As Low As; New - 2025 Model Year. Minimum to Finance: < $10K: Add 2.00% to applicable rate
Texas City Personal Loan Rates
As Low As; Learn More about personal loans
As Low As; *
Maximum APR: 18.00%
Maximum APR: 18.00%
A+ rating
As Low As
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As Low As
As Low As; Loan Amount: $500 - $25,000
Texas City Debt Consolidation Loan Rates
Maximum APR: 18.00%
Maximum APR: 18.00%
As Low As
No additional details available.
Texas City Signature Loan Rates
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Borrow up to $2,000. June & July 2026.
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Texas City, TX Personal Loan Rate Trends
Compare local Texas City, 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.
Texas personal loan rates rose 0.061 points over the past 7 days to 11.089% APR.
Texas signature loan rates fell 0.077 points over the past 7 days to 12.180% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Texas City, Texas 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 Texas City, Texas 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 Texas City, Texas. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in TX.
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 Texas?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Texas?
Are credit unions or banks better for personal loans in Texas City, Texas?
What are the best personal loan rates in Texas City, Texas?
- Amoco Federal Credit Union: 4.90% (Credit Builder And Mender Loan)
- Synergy Federal Credit Union: 6.50% (Other Collateral Loan)
- Gulf Shore Federal Credit Union: 8.75% (New Tractor Loan)
- Associated Credit Union Of Texas: 9.29% (Unsecured Personal Loan)
- City of Deer Park Federal Credit Union: 3.99% (Credit Rating A+ 0-48 Months Loan)
Personal Loan Calculators
