Best Personal Loan Rates in Waco, 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 Waco, Texas include: Texell Credit UnionTexell Credit Union1221 Hewitt Dr, Waco, TX, 76712 8896A+5.0 ★Texas Ratio: 3.58% offering Land Loan 5-year Fixed at 6.99% APR, Allied Plastics Federal Credit UnionAllied Plastics Federal Credit Union5213 Lake Shore Dr, Waco, TX, 76710 1732A5.0 ★Texas Ratio: 6.28% offering Recreational Loans at 7.25% APR, Members Choice of Central Texas Federal Credit UnionMembers Choice of Central Texas Federal Credit Union4631 W Waco Dr, Waco, TX, 76710A+5.0 ★Texas Ratio: 0.18% offering Personal Loans at 8.75% APR, Heart O\' Texas Federal Credit UnionHeart O\' Texas Federal Credit Union7500 Imperial Drive, Waco, TX, 76712A5.0 ★Texas Ratio: 7.49% offering Personal Loans at 9.99% APR, and Linkage Credit UnionLinkage Credit Union4527 SPEIGHT AVE, WACO, TX, 76711A+5.0 ★Texas Ratio: 1.79% offering Personal Loans at 10.00% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Waco has 7 local institutions in our database, with personal loan rates as low as 6.99% APR from Texell Credit Union at 1221 Hewitt Dr, Waco, TX, 76712 8896. 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 Waco, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Waco, 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
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX, 76712 8896
Land Loan 5-year Fixed
6.99%
▼
APR6.99%
Last UpdatedMay 13, 2026
Details
As Low As
Allied Plastics Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5213 Lake Shore Dr, Waco, TX, 76710 1732
Recreational Loans
7.25%
▼
APR7.25%
Last UpdatedMay 13, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX, 76712 8896
Land Loan 10-year Fixed
7.49%
▼
APR7.49%
Last UpdatedMay 13, 2026
Details
As Low As
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX, 76710
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 13, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX, 76712 8896
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedMay 13, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX, 76712 8896
Personal Loans 12-month
9.49%
▼
APR9.49%
Last UpdatedMay 13, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX, 76712 8896
Personal Loans 24-month
9.49%
▼
APR9.49%
Last UpdatedMay 13, 2026
Details
As Low As
Heart O\' Texas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
7500 Imperial Drive, Waco, TX, 76712
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX, 76712 8896
Personal Loans 48-month
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
As Low As
Linkage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
4527 SPEIGHT AVE, WACO, TX, 76711
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedMay 13, 2026
Details
As Low As; Personal Loans available up to 10% of your annual income $10,000 maximum - whichever is less.
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX, 76710 4848
Personal
10.65%
▼
APR10.65%
Last UpdatedMay 13, 2026
Details
As Low As
Allied Plastics Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5213 Lake Shore Dr, Waco, TX, 76710 1732
Personal Loans
11.00%
▼
APR11.00%
Last UpdatedMay 13, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX, 76712 8896
Personal Loans 72-month
11.49%
▼
APR11.49%
Last UpdatedMay 13, 2026
Details
As Low As
Educators Credit Union Waco, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
100 BOLLING Dr, WACO, TX, 76705
Personal Loans
11.69%
▼
APR11.69%
Last UpdatedMay 13, 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 13, 2026
Details
As Low As
APR4.50%
Last UpdatedMay 13, 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 13, 2026
Details
No additional details available.
APR4.64%
Last UpdatedMay 13, 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 13, 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 13, 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 13, 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 13, 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 13, 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 13, 2026
Details
A+ rating
APR5.00%
Last UpdatedMay 13, 2026
Details
As Low As; Call the credit union for loan promotion rates
APR5.25%
Last UpdatedMay 13, 2026
Details
No additional details available.
APR5.25%
Last UpdatedMay 13, 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 13, 2026
Details
As Low As
APR5.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
Signature Loan Special
5.50%
▼
APR5.50%
Last UpdatedMay 13, 2026
Details
As Low As; Borrow up to $2,000 for up to 24 months.
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
Loan Special
5.50%
▼
APR5.50%
Last UpdatedMay 13, 2026
Details
As Low As; No Refinancing of existing loans; Rate based on Credit Score; Limited to one loan special every 90 days
APR5.59%
Last UpdatedMay 13, 2026
Details
As Low As; Restrictions Apply
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Interim Construction Loan
5.75%
▼
APR5.75%
Last UpdatedMay 13, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Unimproved Property Loan
5.75%
▼
APR5.75%
Last UpdatedMay 13, 2026
Details
As Low As
APR5.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
APR5.99%
Last UpdatedMay 13, 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 13, 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 13, 2026
Details
No additional details available.
APR6.00%
Last UpdatedMay 13, 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 13, 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 13, 2026
Details
As Low As; Up to $10,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 13, 2026
Details
As Low As
APR6.50%
Last UpdatedMay 13, 2026
Details
As Low As; Borrow up to $25,000
APR6.50%
Last UpdatedMay 13, 2026
Details
As Low As
APR6.50%
Last UpdatedMay 13, 2026
Details
As Low As
APR6.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
6.59%
▼
APR6.59%
Last UpdatedMay 13, 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 13, 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 13, 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 13, 2026
Details
No additional details available.
APR6.65%
Last UpdatedMay 13, 2026
Details
As Low As; Regular APR: 10.090%
APR6.70%
Last UpdatedMay 13, 2026
Details
As Low As
Brazos Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Back on Track Loans
6.75%
▼
APR6.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Instant Cash Loans
6.75%
▼
APR6.75%
Last UpdatedMay 13, 2026
Details
No additional details available.
APR6.79%
Last UpdatedMay 13, 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 13, 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 13, 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 13, 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 13, 2026
Details
No additional details available.
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 13, 2026
Details
As Low As
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
Personal/Longevity
6.95%
▼
APR6.95%
Last UpdatedMay 13, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Unsecured Loan
6.95%
▼
APR6.95%
Last UpdatedMay 13, 2026
Details
As Low As; $10,001-$15,000
APR6.99%
Last UpdatedMay 13, 2026
Details
As Low As; 71% to 80%
APR6.99%
Last UpdatedMay 13, 2026
Details
As Low As
APR6.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
APR7.00%
Last UpdatedMay 13, 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 13, 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 13, 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 13, 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 13, 2026
Details
As Low As
APR7.14%
Last UpdatedMay 13, 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 13, 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 13, 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 13, 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 13, 2026
Details
As Low As
APR7.25%
Last UpdatedMay 13, 2026
Details
As Low As
APR7.29%
Last UpdatedMay 13, 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 13, 2026
Details
As Low As
APR7.39%
Last UpdatedMay 13, 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 13, 2026
Details
As Low As; $15,001-$25,000
APR7.49%
Last UpdatedMay 13, 2026
Details
As Low As; 81% to 90%
APR7.49%
Last UpdatedMay 13, 2026
Details
No additional details available.
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Hot Tub/Sauna Loans
7.50%
▼
APR7.50%
Last UpdatedMay 13, 2026
Details
As Low As
APR7.50%
Last UpdatedMay 13, 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 13, 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 13, 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 13, 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 13, 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 13, 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 13, 2026
Details
As Low As
APR7.75%
Last UpdatedMay 13, 2026
Details
As Low As
APR7.79%
Last UpdatedMay 13, 2026
Details
No additional details available.
APR7.82%
Last UpdatedMay 13, 2026
Details
As Low As
APR7.84%
Last UpdatedMay 13, 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 13, 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 13, 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 13, 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 13, 2026
Details
No additional details available.
APR7.95%
Last UpdatedMay 13, 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 13, 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 13, 2026
Details
As Low As
APR7.98%
Last UpdatedMay 13, 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 13, 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 13, 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 13, 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 13, 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 13, 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 13, 2026
Details
No additional details available.
APR8.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
APR8.00%
Last UpdatedMay 13, 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 Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMay 13, 2026
Details
Up to 6 months
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Signature
8.00%
▼
APR8.00%
Last UpdatedMay 13, 2026
Details
As Low As
APR8.00%
Last UpdatedMay 13, 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 13, 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 13, 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 13, 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 13, 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 13, 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 13, 2026
Details
No additional details available.
APR8.24%
Last UpdatedMay 13, 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 13, 2026
Details
As Low As
APR8.24%
Last UpdatedMay 13, 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 13, 2026
Details
up to $15,000
APR8.25%
Last UpdatedMay 13, 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 13, 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 13, 2026
Details
As Low As; $25,001-$50,000
APR8.45%
Last UpdatedMay 13, 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 13, 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 13, 2026
Details
As Low As
APR8.49%
Last UpdatedMay 13, 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 13, 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 13, 2026
Details
up to $15,000
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
12 Months 1 Payment Loan
8.50%
▼
APR8.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Miscellaneous Equipment Loan
8.50%
▼
APR8.50%
Last UpdatedMay 13, 2026
Details
As Low As; Maximum Loan Discount: 0.75%
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
Signature
8.50%
▼
APR8.50%
Last UpdatedMay 13, 2026
Details
No additional details available.
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedMay 13, 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 13, 2026
Details
As Low As
APR8.50%
Last UpdatedMay 13, 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 13, 2026
Details
As Low As; from $75,001 to $250,000
APR8.50%
Last UpdatedMay 13, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
8.59%
▼
APR8.59%
Last UpdatedMay 13, 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 13, 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 13, 2026
Details
No additional details available.
APR8.74%
Last UpdatedMay 13, 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 13, 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 13, 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 13, 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 13, 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 13, 2026
Details
up to $15,000
Wichita Falls Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Signature
8.75%
▼
APR8.75%
Last UpdatedMay 13, 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 13, 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 13, 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 13, 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 13, 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 13, 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 13, 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 13, 2026
Details
As Low As; Maximum Loan: up to $7,500.00 or approved limit.
APR8.90%
Last UpdatedMay 13, 2026
Details
As Low As
ELLIS COUNTY TEACHERS AND EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
Personal Property USED
8.90%
▼
APR8.90%
Last UpdatedMay 13, 2026
Details
UP TO 48 MONTHS
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Personal Loans
8.95%
▼
APR8.95%
Last UpdatedMay 13, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX, 76710
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 13, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX, 76712 8896
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedMay 13, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX, 76712 8896
Personal Loans 12-month
9.49%
▼
APR9.49%
Last UpdatedMay 13, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX, 76712 8896
Personal Loans 24-month
9.49%
▼
APR9.49%
Last UpdatedMay 13, 2026
Details
As Low As
Heart O\' Texas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
7500 Imperial Drive, Waco, TX, 76712
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX, 76712 8896
Personal Loans 48-month
9.99%
▼
APR9.99%
Last UpdatedMay 13, 2026
Details
As Low As
Linkage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
4527 SPEIGHT AVE, WACO, TX, 76711
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedMay 13, 2026
Details
As Low As; Personal Loans available up to 10% of your annual income $10,000 maximum - whichever is less.
Allied Plastics Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5213 Lake Shore Dr, Waco, TX, 76710 1732
Personal Loans
11.00%
▼
APR11.00%
Last UpdatedMay 13, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX, 76712 8896
Personal Loans 72-month
11.49%
▼
APR11.49%
Last UpdatedMay 13, 2026
Details
As Low As
Educators Credit Union Waco, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
100 BOLLING Dr, WACO, TX, 76705
Personal Loans
11.69%
▼
APR11.69%
Last UpdatedMay 13, 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 13, 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 13, 2026
Details
A+ rating
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedMay 13, 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 13, 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 13, 2026
Details
No additional details available.
APR6.99%
Last UpdatedMay 13, 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 13, 2026
Details
No additional details available.
APR7.14%
Last UpdatedMay 13, 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 13, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedMay 13, 2026
Details
As Low As
APR7.50%
Last UpdatedMay 13, 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 13, 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 13, 2026
Details
As Low As
APR7.75%
Last UpdatedMay 13, 2026
Details
As Low As
APR7.84%
Last UpdatedMay 13, 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 13, 2026
Details
As Low As
APR7.98%
Last UpdatedMay 13, 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 13, 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 13, 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 13, 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 13, 2026
Details
up to $15,000
APR8.00%
Last UpdatedMay 13, 2026
Details
As Low As
APR8.24%
Last UpdatedMay 13, 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 13, 2026
Details
As Low As
APR8.24%
Last UpdatedMay 13, 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 13, 2026
Details
up to $15,000
APR8.25%
Last UpdatedMay 13, 2026
Details
As Low As
APR8.45%
Last UpdatedMay 13, 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 13, 2026
Details
As Low As
APR8.49%
Last UpdatedMay 13, 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 13, 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 13, 2026
Details
As Low As
APR8.50%
Last UpdatedMay 13, 2026
Details
As Low As
APR8.50%
Last UpdatedMay 13, 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 13, 2026
Details
No additional details available.
APR8.74%
Last UpdatedMay 13, 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 13, 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 13, 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 13, 2026
Details
As Low As; Maximum Loan: up to $7,500.00 or approved limit.
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Personal Loans
8.95%
▼
APR8.95%
Last UpdatedMay 13, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
APR9.00%
Last UpdatedMay 13, 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 13, 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 13, 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 13, 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 13, 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 13, 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 13, 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 13, 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 13, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
Signature Loan Special
5.50%
▼
APR5.50%
Last UpdatedMay 13, 2026
Details
As Low As; Borrow up to $2,000 for up to 24 months.
APR6.00%
Last UpdatedMay 13, 2026
Details
Months
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Special Signature Rate
6.59%
▼
APR6.59%
Last UpdatedMay 13, 2026
Details
No additional details available.
APR6.79%
Last UpdatedMay 13, 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 13, 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 13, 2026
Details
No additional details available.
APR6.99%
Last UpdatedMay 13, 2026
Details
No additional details available.
APR7.00%
Last UpdatedMay 13, 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 13, 2026
Details
As Low As
APR7.29%
Last UpdatedMay 13, 2026
Details
No additional details available.
APR7.39%
Last UpdatedMay 13, 2026
Details
No additional details available.
APR7.49%
Last UpdatedMay 13, 2026
Details
No additional details available.
APR7.79%
Last UpdatedMay 13, 2026
Details
No additional details available.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans
7.90%
▼
APR7.90%
Last UpdatedMay 13, 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 13, 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 13, 2026
Details
No additional details available.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal /Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMay 13, 2026
Details
As Low As; from $1,001 to $75,000
APR8.00%
Last UpdatedMay 13, 2026
Details
No additional details available.
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMay 13, 2026
Details
Up to 6 months
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Signature
8.00%
▼
APR8.00%
Last UpdatedMay 13, 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 13, 2026
Details
up to $5,000; 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 13, 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 13, 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 13, 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 13, 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 13, 2026
Details
No additional details available.
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Signature Loan
8.50%
▼
APR8.50%
Last UpdatedMay 13, 2026
Details
As Low As
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
Signature
8.74%
▼
APR8.74%
Last UpdatedMay 13, 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 13, 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 13, 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 13, 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 13, 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 13, 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 13, 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 13, 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 13, 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 13, 2026
Details
As Low As
APR8.90%
Last UpdatedMay 13, 2026
Details
As Low As
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MonitorBankRates
No home improvement personal loan rates found in Waco, TX currently.
Waco, TX Personal Loan Rate Trends
Compare local Waco, 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%
▼ 0.095 vs 7 days ago
Texas personal loan rates fell 0.095 points over the past 7 days to 10.784% APR.
Signature Loan — TX Avg
12.436%
▼ 0.256 vs 7 days ago
Texas signature loan rates fell 0.256 points over the past 7 days to 12.436% APR.
As of May 13, 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 Waco, 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 Waco, 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 Waco, 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 Waco, Texas?
Credit unions in Waco, 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 Waco, Texas?
- Texell Credit Union: 6.99% (Land Loan 5-year Fixed)
- Allied Plastics Federal Credit Union: 7.25% (Recreational Loans)
- Members Choice of Central Texas Federal Credit Union: 8.75% (Personal Loans)
- Heart O\' Texas Federal Credit Union: 9.99% (Personal Loans)
- Linkage Credit Union: 10.00% (Personal Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Waco, 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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