Best Personal Loan Rates in Cairo, West Virginia (WV) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 West Virginia 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 Cairo, West Virginia include: WEPCO Federal Credit UnionWEPCO Federal Credit UnionA+5.0 ★Texas Ratio: 3.70% offering Signature Loan at 4.00% APR, Strip Steel Community Federal Credit UnionStrip Steel Community Federal Credit UnionA+5.0 ★Texas Ratio: 0.12% offering Tax loans at 4.75% APR, Chessie Federal Credit UnionChessie Federal Credit UnionA+5.0 ★Texas Ratio: 5.80% offering lot loans at 4.75% APR, Ohio County Public Schools Federal Credit UnionOhio County Public Schools Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering Labor and Leisure Loan at 5.00% APR, and First Peoples Community Federal Credit UnionFirst Peoples Community Federal Credit UnionA+5.0 ★Texas Ratio: 2.11% offering Summer Loan Special at 5.99% APR. Personal loan rates as of May 7, 2026 according to verified data from MonitorBankRates.
Cairo borrowers have access to 35 lenders serving the West Virginia area, with personal loan rates as low as 4.00% APR from WEPCO Federal Credit Union. 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 Cairo, West Virginia.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Cairo, West Virginia. 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 7, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
4.00%
▼
APR4.00%
Last UpdatedMay 8, 2026
Details
As Low As
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
Tax loans
4.75%
▼
APR4.75%
Last UpdatedMay 8, 2026
Details
With auto pay
APR4.75%
Last UpdatedMay 8, 2026
Details
As Low As
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Lot Loans - 3 year balloon
4.75%
▼
APR4.75%
Last UpdatedMay 8, 2026
Details
As Low As
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
Tax loans
5.00%
▼
APR5.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
Ohio County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Labor and Leisure Loan
5.00%
▼
APR5.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
Ohio County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Vacation Loan
5.00%
▼
APR5.00%
Last UpdatedMay 8, 2026
Details
Available all year
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Lot Loans - 5 year balloon
5.25%
▼
APR5.25%
Last UpdatedMay 8, 2026
Details
As Low As
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Summer Loan Special
5.99%
▼
APR5.99%
Last UpdatedMay 8, 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 8, 2026
Details
As Low As
APR6.50%
Last UpdatedMay 8, 2026
Details
As Low As; Borrow up to $25,000
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
6.50%
▼
APR6.50%
Last UpdatedMay 8, 2026
Details
Up to 12 Months
APR6.99%
Last UpdatedMay 8, 2026
Details
As Low As
APR7.24%
Last UpdatedMay 8, 2026
Details
As Low As
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
7.25%
▼
APR7.25%
Last UpdatedMay 8, 2026
Details
Up to 24 Months
APR7.49%
Last UpdatedMay 8, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Property Loans
7.49%
▼
APR7.49%
Last UpdatedMay 8, 2026
Details
As Low As
APR7.74%
Last UpdatedMay 8, 2026
Details
As Low As
APR7.75%
Last UpdatedMay 8, 2026
Details
As Low As; Variable
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
7.75%
▼
APR7.75%
Last UpdatedMay 8, 2026
Details
Up to 36 Months
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 8, 2026
Details
As Low As
Metro Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.95%
Unsecured
7.99%
▼
APR7.99%
Last UpdatedMay 8, 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 8, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 8, 2026
Details
As Low As; 12 months
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 8, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 8, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Term Loans
8.49%
▼
APR8.49%
Last UpdatedMay 8, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedMay 8, 2026
Details
No additional details available.
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
8.75%
▼
APR8.75%
Last UpdatedMay 8, 2026
Details
Up to 48 Months
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMay 8, 2026
Details
As Low As; Loan Amount $500-$40,000
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Signature Loan
8.90%
▼
APR8.90%
Last UpdatedMay 8, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 8, 2026
Details
As Low As
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Unsecured Signature Loans
8.99%
▼
APR8.99%
Last UpdatedMay 8, 2026
Details
UP TO $10,000.00
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Computer Loan
9.00%
▼
APR9.00%
Last UpdatedMay 8, 2026
Details
As Low As; * All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness.
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
One-Payment Loans
9.00%
▼
APR9.00%
Last UpdatedMay 8, 2026
Details
As Low As
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Unsecured Loan A+ Credit Score above 740
9.00%
▼
APR9.00%
Last UpdatedMay 8, 2026
Details
up to $20,000.00
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Vacation & Holiday Loans
9.00%
▼
APR9.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
Martinsburg VA Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedMay 8, 2026
Details
As Low As
APR9.15%
Last UpdatedMay 8, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedMay 8, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedMay 8, 2026
Details
No additional details available.
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Unsecured Loan A Credit Score 700-739
9.50%
▼
APR9.50%
Last UpdatedMay 8, 2026
Details
up to $15,000.00
Union Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Personal
9.50%
▼
APR9.50%
Last UpdatedMay 8, 2026
Details
As Low As
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedMay 8, 2026
Details
As Low As; Minimum Loan $500.00
APR9.55%
Last UpdatedMay 8, 2026
Details
As Low As
APR9.70%
Last UpdatedMay 8, 2026
Details
No additional details available.
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Unsecured Signature Loans Closed End
9.74%
▼
APR9.74%
Last UpdatedMay 8, 2026
Details
No additional details available.
Huntingtonized Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Personal Loan
9.90%
▼
APR9.90%
Last UpdatedMay 8, 2026
Details
As Low As
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
All Unsecured Loans
9.95%
▼
APR9.95%
Last UpdatedMay 8, 2026
Details
No additional details available.
APR9.99%
Last UpdatedMay 8, 2026
Details
As Low As
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 8, 2026
Details
As Low As
Romney Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
Personal loans
9.99%
▼
APR9.99%
Last UpdatedMay 8, 2026
Details
Starting at; up to $7,500
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 8, 2026
Details
No additional details available.
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMay 8, 2026
Details
As Low As
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Signature Loans Over 780
10.00%
▼
APR10.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Personal Lending
10.00%
▼
APR10.00%
Last UpdatedMay 8, 2026
Details
As Low As; * All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness.
Hope Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMay 8, 2026
Details
$10,000 Maximum
Hope Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Co-signer Loan
10.00%
▼
APR10.00%
Last UpdatedMay 8, 2026
Details
$20,000 Maximum
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
10.25%
▼
APR10.25%
Last UpdatedMay 8, 2026
Details
As Low As
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedMay 8, 2026
Details
No additional details available.
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
10.25%
▼
APR10.25%
Last UpdatedMay 8, 2026
Details
Up to 60 Months
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Signature Loans
10.49%
▼
APR10.49%
Last UpdatedMay 8, 2026
Details
As Low As
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 8, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 8, 2026
Details
No additional details available.
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedMay 8, 2026
Details
No additional details available.
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
10.50%
▼
APR10.50%
Last UpdatedMay 8, 2026
Details
As Low As
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedMay 8, 2026
Details
No additional details available.
APR10.60%
Last UpdatedMay 8, 2026
Details
No additional details available.
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Unsecured Signature Loans
10.74%
▼
APR10.74%
Last UpdatedMay 8, 2026
Details
No additional details available.
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
10.75%
▼
APR10.75%
Last UpdatedMay 8, 2026
Details
No additional details available.
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 8, 2026
Details
As Low As
Home Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
Credit Builder Loan
10.99%
▼
APR10.99%
Last UpdatedMay 8, 2026
Details
No additional details available.
APR11.00%
Last UpdatedMay 8, 2026
Details
As Low As
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMay 8, 2026
Details
As Low As; >$10,000
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedMay 8, 2026
Details
As Low As
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
11.00%
▼
APR11.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
APR11.04%
Last UpdatedMay 8, 2026
Details
No additional details available.
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
11.25%
▼
APR11.25%
Last UpdatedMay 8, 2026
Details
No additional details available.
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
Unsecured Loan Platinum
11.25%
▼
APR11.25%
Last UpdatedMay 8, 2026
Details
Score: 730 +
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedMay 8, 2026
Details
No additional details available.
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Unsecured Loan B Credit Score 640-699
11.50%
▼
APR11.50%
Last UpdatedMay 8, 2026
Details
up to $15,000.00
APR11.56%
Last UpdatedMay 8, 2026
Details
No additional details available.
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedMay 8, 2026
Details
As Low As
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
All Unsecured Loans
11.95%
▼
APR11.95%
Last UpdatedMay 8, 2026
Details
No additional details available.
APR11.99%
Last UpdatedMay 8, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMay 8, 2026
Details
No additional details available.
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
Personal/Signature Loans
11.99%
▼
APR11.99%
Last UpdatedMay 8, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
11.99%
▼
APR11.99%
Last UpdatedMay 8, 2026
Details
As Low As
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
Signature Loans
12.00%
▼
APR12.00%
Last UpdatedMay 8, 2026
Details
As Low As
Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.31%
Commendable Member Loan
12.00%
▼
APR12.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Signature Loans 680-779
12.00%
▼
APR12.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
Unsecured Loan A
12.25%
▼
APR12.25%
Last UpdatedMay 8, 2026
Details
Score: 680 - 729
APR12.66%
Last UpdatedMay 8, 2026
Details
As Low As
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
All Unsecured Loans
12.95%
▼
APR12.95%
Last UpdatedMay 8, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedMay 8, 2026
Details
As Low As; Loan Amount $250-$40,000
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedMay 8, 2026
Details
As Low As
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
Unsecured Loan B
13.25%
▼
APR13.25%
Last UpdatedMay 8, 2026
Details
Score: 640 - 679
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMay 8, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMay 8, 2026
Details
As Low As
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Debt Consolidation (checks written to creditors, accounts must be closed)
14.00%
▼
APR14.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Signature Loans 630-679
14.00%
▼
APR14.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
Unsecured Loan C
14.25%
▼
APR14.25%
Last UpdatedMay 8, 2026
Details
Score: 600 - 639
APR14.37%
Last UpdatedMay 8, 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 8, 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 8, 2026
Details
As Low As
Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.31%
Unsecured
15.00%
▼
APR15.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
All Unsecured Loans
15.95%
▼
APR15.95%
Last UpdatedMay 8, 2026
Details
No additional details available.
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Signature Loans 530-629
16.00%
▼
APR16.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Unsecured Loan C Credit Score 590-639
16.00%
▼
APR16.00%
Last UpdatedMay 8, 2026
Details
up to $10,000.00
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
Unsecured Loan D
16.75%
▼
APR16.75%
Last UpdatedMay 8, 2026
Details
Score: 550 - 599
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Signature Loans 529-500
17.00%
▼
APR17.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
Express Signature Loans
17.37%
▼
APR17.37%
Last UpdatedMay 8, 2026
Details
As Low As; $1000 minimum loan amount. $20.00 processing fee. Interest rate is 13.50%. Example: $1,000 loan with a 17.37% APR would have a monthly payment of $89.55. Rates may change without notice. All loans subject to credit approval.
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
Unsecured Loan E
17.50%
▼
APR17.50%
Last UpdatedMay 8, 2026
Details
Score: 549 or less
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Unsecured Loan D Credit Score 589 and lower
18.00%
▼
APR18.00%
Last UpdatedMay 8, 2026
Details
up to $10,000.00
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MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 8, 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 8, 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 8, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 8, 2026
Details
As Low As; 12 months
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 8, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 8, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedMay 8, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMay 8, 2026
Details
As Low As; Loan Amount $500-$40,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 8, 2026
Details
As Low As
APR9.15%
Last UpdatedMay 8, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedMay 8, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedMay 8, 2026
Details
No additional details available.
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedMay 8, 2026
Details
As Low As; Minimum Loan $500.00
APR9.70%
Last UpdatedMay 8, 2026
Details
No additional details available.
Huntingtonized Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Personal Loan
9.90%
▼
APR9.90%
Last UpdatedMay 8, 2026
Details
As Low As
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 8, 2026
Details
As Low As
Romney Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
Personal loans
9.99%
▼
APR9.99%
Last UpdatedMay 8, 2026
Details
Starting at; up to $7,500
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 8, 2026
Details
No additional details available.
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedMay 8, 2026
Details
No additional details available.
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 8, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 8, 2026
Details
No additional details available.
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedMay 8, 2026
Details
No additional details available.
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedMay 8, 2026
Details
No additional details available.
APR10.60%
Last UpdatedMay 8, 2026
Details
No additional details available.
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
10.75%
▼
APR10.75%
Last UpdatedMay 8, 2026
Details
No additional details available.
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 8, 2026
Details
As Low As
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
11.00%
▼
APR11.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMay 8, 2026
Details
As Low As; >$10,000
APR11.04%
Last UpdatedMay 8, 2026
Details
No additional details available.
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
11.25%
▼
APR11.25%
Last UpdatedMay 8, 2026
Details
No additional details available.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedMay 8, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMay 8, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
11.99%
▼
APR11.99%
Last UpdatedMay 8, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedMay 8, 2026
Details
As Low As; Loan Amount $250-$40,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMay 8, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMay 8, 2026
Details
As Low As
Powered by
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Debt Consolidation (checks written to creditors, accounts must be closed)
14.00%
▼
APR14.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 8, 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 8, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
4.00%
▼
APR4.00%
Last UpdatedMay 8, 2026
Details
As Low As
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
6.50%
▼
APR6.50%
Last UpdatedMay 8, 2026
Details
Up to 12 Months
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
7.25%
▼
APR7.25%
Last UpdatedMay 8, 2026
Details
Up to 24 Months
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
7.75%
▼
APR7.75%
Last UpdatedMay 8, 2026
Details
Up to 36 Months
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
8.75%
▼
APR8.75%
Last UpdatedMay 8, 2026
Details
Up to 48 Months
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Signature Loan
8.90%
▼
APR8.90%
Last UpdatedMay 8, 2026
Details
As Low As
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Unsecured Signature Loans
8.99%
▼
APR8.99%
Last UpdatedMay 8, 2026
Details
UP TO $10,000.00
Martinsburg VA Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedMay 8, 2026
Details
As Low As
APR9.55%
Last UpdatedMay 8, 2026
Details
As Low As
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Unsecured Signature Loans Closed End
9.74%
▼
APR9.74%
Last UpdatedMay 8, 2026
Details
No additional details available.
APR9.99%
Last UpdatedMay 8, 2026
Details
As Low As
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 8, 2026
Details
As Low As
Hope Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMay 8, 2026
Details
$10,000 Maximum
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMay 8, 2026
Details
As Low As
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Signature Loans Over 780
10.00%
▼
APR10.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
10.25%
▼
APR10.25%
Last UpdatedMay 8, 2026
Details
As Low As
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
10.25%
▼
APR10.25%
Last UpdatedMay 8, 2026
Details
Up to 60 Months
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Signature Loans
10.49%
▼
APR10.49%
Last UpdatedMay 8, 2026
Details
As Low As
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 8, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
10.50%
▼
APR10.50%
Last UpdatedMay 8, 2026
Details
As Low As
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Unsecured Signature Loans
10.74%
▼
APR10.74%
Last UpdatedMay 8, 2026
Details
No additional details available.
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 8, 2026
Details
As Low As
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMay 8, 2026
Details
As Low As; >$10,000
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedMay 8, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedMay 8, 2026
Details
As Low As
APR11.99%
Last UpdatedMay 8, 2026
Details
As Low As
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
Personal/Signature Loans
11.99%
▼
APR11.99%
Last UpdatedMay 8, 2026
Details
As Low As
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
Signature Loans
12.00%
▼
APR12.00%
Last UpdatedMay 8, 2026
Details
As Low As
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Signature Loans 680-779
12.00%
▼
APR12.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
APR12.66%
Last UpdatedMay 8, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedMay 8, 2026
Details
As Low As
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Signature Loans 630-679
14.00%
▼
APR14.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Signature Loans 530-629
16.00%
▼
APR16.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Signature Loans 529-500
17.00%
▼
APR17.00%
Last UpdatedMay 8, 2026
Details
No additional details available.
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
Express Signature Loans
17.37%
▼
APR17.37%
Last UpdatedMay 8, 2026
Details
As Low As; $1000 minimum loan amount. $20.00 processing fee. Interest rate is 13.50%. Example: $1,000 loan with a 17.37% APR would have a monthly payment of $89.55. Rates may change without notice. All loans subject to credit approval.
Powered by
MonitorBankRates
No home improvement personal loan rates found in Cairo, WV currently.
Cairo, WV Personal Loan Rate Trends
Compare local Cairo, WV 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 — WV Avg
11.242%
▲ 1.500 vs 7 days ago
West Virginia personal loan rates rose 1.500 points over the past 7 days to 11.242% APR.
Signature Loan — WV Avg
10.639%
▼ 0.294 vs 7 days ago
West Virginia signature loan rates fell 0.294 points over the past 7 days to 10.639% APR.
As of May 8, 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 West Virginia?
Most lenders in Cairo, West Virginia 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 West Virginia often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Cairo, West Virginia 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 West Virginia?
Yes. Debt consolidation is one of the most common uses of personal loans in Cairo, West Virginia. 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 Cairo, West Virginia?
Credit unions in Cairo, West Virginia 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 Cairo, West Virginia?
- WEPCO Federal Credit Union: 4.00% (Signature Loan)
- Strip Steel Community Federal Credit Union: 4.75% (Tax loans)
- Chessie Federal Credit Union: 4.75% (lot loans)
- Ohio County Public Schools Federal Credit Union: 5.00% (Labor and Leisure Loan)
- First Peoples Community Federal Credit Union: 5.99% (Summer Loan Special)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Cairo, West Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 7, 2026.
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