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Survey Results We asked readers after the Fed’s Sept. 16 hike: 72% of borrowers would use a personal loan to pay off other debt. See the full results
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Personal Loan Rate Trends

Westover, West Virginia Best Personal Loan Rates - October 2026

Westover, West Virginia personal loan rates from lenders serving West Virginia range from 4.50% to 18.00% APR, verified by MonitorBankRates as of October 12, 2026. Current personal loan options available to borrowers in Westover, West Virginia include: Teamsters Local 697 Federal Credit UnionTeamsters Local 697 Federal Credit UnionA-5.0 ★Texas Ratio: 15.52% offering Sharesecured Loan at 4.50% APR, Huntington C&O Railway Employees Federal Credit UnionHuntington C&O Railway Employees Federal Credit UnionA5.0 ★Texas Ratio: 13.10% offering Signature/Unsecured Loan at 6.50% APR, Hancock School Employees Federal Credit UnionHancock School Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.72% offering Debt Consolidation - 0-48 Months Loan at 7.00% APR, Justice Federal Credit UnionJustice Federal Credit UnionA5.0 ★Texas Ratio: 7.57% offering Personal Loan at 7.99% APR, and Metro Community Federal Credit UnionMetro Community Federal Credit UnionA5.0 ★Texas Ratio: 13.70% offering Unsecured Loan at 7.99% APR. Personal loan rates as of October 12, 2026 according to verified data from MonitorBankRates.

Westover borrowers have access to 47 lenders serving the West Virginia area, with personal loan rates as low as 4.50% APR from Teamsters Local 697 Federal Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated, so 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 Westover, West Virginia.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Westover, 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: October 12, 2026

Westover Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.52%
Sharesecured LoanTerm: 120 months
4.50%
▼
APR4.50%
Term120 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 9, 2026: 4.50% APROct 9, 2026Oct 13, 2026
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.10%
Signature/Unsecured LoanTerm: Up to 12 Months
6.50%
▼
APR6.50%
TermUp to 12 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 6.50% APR · checked 6 times
6.00%6.50%7.00%Sep 17, 2026: 6.50% APRSep 17, 2026Oct 13, 2026
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Debt Consolidation - 0-48 Months LoanTerm: 0-48 months
7.00%
▼
APR7.00%
Term0-48 months
Last UpdatedNot available
Details

Credit Rating: A+

Rate History
No change since Oct 5, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Oct 5, 2026: 7.00% APROct 5, 2026Oct 13, 2026
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.10%
Signature/Unsecured LoanTerm: Up to 24 Months
7.25%
▼
APR7.25%
TermUp to 24 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 7.25% APR · checked 6 times
6.75%7.25%7.75%Sep 17, 2026: 7.25% APRSep 17, 2026Oct 13, 2026
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Debt Consolidation - 0-48 Months LoanTerm: 0-48 months
7.75%
▼
APR7.75%
Term0-48 months
Last UpdatedNot available
Details

Credit Rating: A

Rate History
No change since Oct 5, 2026 · 7.75% APR · checked 2 times
7.25%7.75%8.25%Oct 5, 2026: 7.75% APROct 5, 2026Oct 13, 2026
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.10%
Signature/Unsecured LoanTerm: Up to 36 Months
7.75%
▼
APR7.75%
TermUp to 36 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 7.75% APR · checked 6 times
7.25%7.75%8.25%Sep 17, 2026: 7.75% APRSep 17, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Personal LoanTerm: Up to 12 months
7.99%
▼
APR7.99%
TermUp to 12 months
Last UpdatedNot available
Details

As Low As; Loan Amount: $500+

Rate History
No change since Sep 16, 2026 · 7.99% APR · checked 4 times
7.49%7.99%8.49%Sep 16, 2026: 7.99% APRSep 16, 2026Oct 13, 2026
Metro Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
Unsecured Loan
7.99%
▼
APR7.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle; APR for terms up to 84 months for members who qualify

Rate History
No change since Sep 12, 2026 · 7.99% APR · checked 8 times
7.49%7.99%8.49%Sep 12, 2026: 7.99% APRSep 12, 2026Oct 13, 2026
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
Signature/ Unsecured LoanTerm: 60 Months
8.00%
▼
APR8.00%
Term60 Months
Last UpdatedNot available
Details

Maximum: $10,000

Rate History
No change since Oct 9, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 9, 2026: 8.00% APROct 9, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Personal LoanTerm: 36 months
8.24%
▼
APR8.24%
Term36 months
Last UpdatedNot available
Details

As Low As; Loan Amount: $2,500+

Rate History
No change since Sep 16, 2026 · 8.24% APR · checked 4 times
7.74%8.24%8.74%Sep 16, 2026: 8.24% APRSep 16, 2026Oct 13, 2026
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Personal Property LoanTerm: 12 months
8.24%
▼
APR8.24%
Term12 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 8.24% APR · checked 7 times
7.74%8.24%8.74%Sep 14, 2026: 8.24% APRSep 14, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Personal LoanTerm: 48 months
8.49%
▼
APR8.49%
Term48 months
Last UpdatedNot available
Details

As Low As; Loan Amount: $3,000+

Rate History
No change since Sep 16, 2026 · 8.49% APR · checked 5 times
7.99%8.49%8.99%Sep 16, 2026: 8.49% APRSep 16, 2026Oct 13, 2026
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Personal LoansTerm: up to 60 months
8.49%
▼
APR8.49%
Termup to 60 months
Last UpdatedNot available
Details

With qualifying credit and direct deposit with automatic payment.

Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 6 times
7.99%8.49%8.99%Sep 14, 2026: 8.49% APRSep 14, 2026Oct 13, 2026
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Debt Consolidation - 0-48 Months LoanTerm: 0-48 months
8.50%
▼
APR8.50%
Term0-48 months
Last UpdatedNot available
Details

Credit Rating: B

Rate History
No change since Oct 5, 2026 · 8.50% APR · checked 2 times
8.00%8.50%9.00%Oct 5, 2026: 8.50% APROct 5, 2026Oct 13, 2026
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Personal Property LoanTerm: 24 months
8.74%
▼
APR8.74%
Term24 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 8.74% APR · checked 7 times
8.24%8.74%9.24%Sep 14, 2026: 8.74% APRSep 14, 2026Oct 13, 2026
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.10%
Signature/Unsecured LoanTerm: Up to 48 Months
8.75%
▼
APR8.75%
TermUp to 48 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 8.75% APR · checked 6 times
8.25%8.75%9.25%Sep 17, 2026: 8.75% APRSep 17, 2026Oct 13, 2026
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Signature LoanTerm: 60 Months
8.90%
▼
APR8.90%
Term60 Months
Last UpdatedNot available
Details

Maximum Amount: $10,000.00

Rate History
1 change since Sep 14, 2026 · 10.90% → 8.90% ▼ 2.00 pts · high 10.90% / low 8.90%
6.90%9.90%12.90%Sep 14, 2026: 10.90% APRSep 21, 2026: 8.90% APRSep 14, 2026Oct 13, 2026
  • Sep 21, 20268.90%▼ from 10.90%
  • Sep 14, 202610.90%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Personal LoanTerm: 60 months
8.99%
▼
APR8.99%
Term60 months
Last UpdatedNot available
Details

As Low As; Loan Amount: $5,000+

Rate History
No change since Sep 16, 2026 · 8.99% APR · checked 5 times
8.49%8.99%9.49%Sep 16, 2026: 8.99% APRSep 16, 2026Oct 13, 2026
Ravenswood Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Unsecured LoanTerm: 72 months
8.99%
▼
APR8.99%
Term72 months
Last UpdatedNot available
Details

Rates as low as 8.99%. Maximum loan amount $15,000.

Rate History
No change since Sep 17, 2026 · 8.99% APR · checked 8 times
8.49%8.99%9.49%Sep 17, 2026: 8.99% APRSep 17, 2026Oct 13, 2026
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
Unsecured Signature Loans - Closed EndTerm: 24 months
8.99%
▼
APR8.99%
Term24 months
Last UpdatedNot available
Details

Published APR range: 8.99% - 17.99%. UP TO $10,000.00

Rate History
No change since Oct 9, 2026 · 8.99% APR
8.49%8.99%9.49%Oct 9, 2026: 8.99% APROct 9, 2026Oct 13, 2026
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Unsecured Loan A+ Credit Score above 740Term: up to 60 months
9.00%
▼
APR9.00%
Termup to 60 months
Last UpdatedNot available
Details

up to $20,000.00; Fixed

Rate History
No change since Sep 21, 2026 · 9.00% APR · checked 5 times
8.50%9.00%9.50%Sep 21, 2026: 9.00% APRSep 21, 2026Oct 13, 2026
Martinsburg VA Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Signature Loans
9.00%
▼
APR9.00%
TermN/A
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 6 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Personal LoanTerm: 24 months
9.46%
▼
APR9.46%
Interest Rate8.80%
Term24 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 9.46% APR · checked 6 times
8.96%9.46%9.96%Sep 14, 2026: 9.46% APRSep 14, 2026Oct 13, 2026
Lb&t
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Personal LoanTerm: 2-year
9.49%
▼
APR9.49%
Term2-year
Last UpdatedNot available
Details

As Low As; The Annual Percentage Rate (APR) shown is for a personal loan of at least $2,000, with a 2-year term. Your actual APR may be higher than the rate shown. Rates shown are as of 2/10/2026 and are subject to change without notice. Your Annual Percentage Rate (APR) will be based on the amount of credit requested, loan term and your creditworthiness. The lowest rate available assumes excellent credit history.

Rate History
No change since Sep 15, 2026 · 9.49% APR · checked 5 times
8.99%9.49%9.99%Sep 15, 2026: 9.49% APRSep 15, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Personal LoanTerm: 72 months
9.49%
▼
APR9.49%
Term72 months
Last UpdatedNot available
Details

As Low As; Loan Amount: $5,000+

Rate History
No change since Sep 16, 2026 · 9.49% APR · checked 5 times
8.99%9.49%9.99%Sep 16, 2026: 9.49% APRSep 16, 2026Oct 13, 2026
The United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
Unsecured Loans
9.49%
▼
APR9.49%
Interest Rate9.49%
TermN/A
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 8 times
8.99%9.49%9.99%Sep 14, 2026: 9.49% APRSep 14, 2026Oct 13, 2026
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Personal Property LoanTerm: 36 months
9.49%
▼
APR9.49%
Term36 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 7 times
8.99%9.49%9.99%Sep 14, 2026: 9.49% APRSep 14, 2026Oct 13, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
Personal (Signature) LoansTerm: 0-60 months
9.50%
▼
APR9.50%
Term0-60 months
Last UpdatedNot available
Details

As Low As; Minimum Loan $500.00

Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 7 times
9.00%9.50%10.00%Sep 14, 2026: 9.50% APRSep 14, 2026Oct 13, 2026
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Signature Personal LoansTerm: Up to 60 months
9.50%
▼
APR9.50%
TermUp to 60 months
Last UpdatedNot available
Details

up to $10,000.00

Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 7 times
9.00%9.50%10.00%Sep 14, 2026: 9.50% APRSep 14, 2026Oct 13, 2026
Union Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Unsecured Loans (Signature)
9.50%
▼
APR9.50%
TermN/A
Last UpdatedNot available
Details

Rates are based on individual credit worthiness. As Low As

Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 8 times
9.00%9.50%10.00%Sep 14, 2026: 9.50% APRSep 14, 2026Oct 13, 2026
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Unsecured Loan A Credit Score 700-739Term: up to 60 months
9.50%
▼
APR9.50%
Termup to 60 months
Last UpdatedNot available
Details

up to $15,000.00; Fixed

Rate History
No change since Sep 21, 2026 · 9.50% APR · checked 5 times
9.00%9.50%10.00%Sep 21, 2026: 9.50% APRSep 21, 2026Oct 13, 2026
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Signature Loan
9.70%
▼
APR9.70%
TermN/A
Last UpdatedNot available
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 9.55% → 9.70% ▲ 0.15 pts · high 9.70% / low 9.55%
9.05%9.63%10.20%Sep 14, 2026: 9.55% APRSep 25, 2026: 9.70% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20269.70%▲ from 9.55%
  • Sep 14, 20269.55%first recorded
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
Unsecured Signature Loans - Closed EndTerm: 36 months
9.74%
▼
APR9.74%
Term36 months
Last UpdatedNot available
Details

Published APR range: 9.74% - 17.99%.

Rate History
No change since Oct 9, 2026 · 9.74% APR
9.24%9.74%10.24%Oct 9, 2026: 9.74% APROct 9, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature LoansTerm: 24 months
9.75%
▼
APR9.75%
Interest Rate9.75%
Term24 months
Last UpdatedNot available
Details

Up to $2,500

Rate History
No change since Sep 14, 2026 · 9.75% APR · checked 8 times
9.25%9.75%10.25%Sep 14, 2026: 9.75% APRSep 14, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature Loans to $15,000Term: 24 months
9.75%
▼
APR9.75%
Interest Rate9.75%
Term24 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 9.75% APR · checked 3 times
9.25%9.75%10.25%Oct 9, 2026: 9.75% APROct 9, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature Loans to $5,000Term: 24 months
9.75%
▼
APR9.75%
Interest Rate9.75%
Term24 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 9.75% APR · checked 3 times
9.25%9.75%10.25%Oct 9, 2026: 9.75% APROct 9, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature Loans to $7,500Term: 24 months
9.75%
▼
APR9.75%
Interest Rate9.75%
Term24 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 9.75% APR · checked 3 times
9.25%9.75%10.25%Oct 9, 2026: 9.75% APROct 9, 2026Oct 13, 2026
Huntingtonized Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
Personal Loan
9.90%
▼
APR9.90%
TermN/A
Last UpdatedNot available
Details

As Low As; Starting at 9.90% Annual Percentage Rate

Rate History
No change since Sep 16, 2026 · 9.90% APR · checked 5 times
9.40%9.90%10.40%Sep 16, 2026: 9.90% APRSep 16, 2026Oct 13, 2026
Home Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Signature Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Rate subject to change without notice. Interest rate based on credit score. Terms based on dollar amount financed. Loan subject to credit approval.

Rate History
No change since Sep 12, 2026 · 9.99% APR · checked 7 times
9.49%9.99%10.49%Sep 12, 2026: 9.99% APRSep 12, 2026Oct 13, 2026
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Personal Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Loan qualification is based on an assessment of individual creditworthiness and our underwriting standards.

Rate History
No change since Sep 17, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 17, 2026: 9.99% APRSep 17, 2026Oct 13, 2026
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Personal Property LoanTerm: 48 months
9.99%
▼
APR9.99%
Term48 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 7 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Hope Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Signature LoanTerm: 84 Months
10.00%
▼
APR10.00%
Term84 Months
Last UpdatedNot available
Details

Unsecured Personal; $10,000 Maximum; Not available to any member that has a Cosigner Loan

Rate History
No change since Sep 16, 2026 · 10.00% APR · checked 5 times
9.50%10.00%10.50%Sep 16, 2026: 10.00% APRSep 16, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Signature LoanTerm: 0-12 Month
10.00%
▼
APR10.00%
Term0-12 Month
Last UpdatedNot available
Details

As Low As; Signature Loans rates effective as of April 1, 2026

Rate History
No change since Sep 12, 2026 · 10.00% APR · checked 7 times
9.50%10.00%10.50%Sep 12, 2026: 10.00% APRSep 12, 2026Oct 13, 2026
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Signature LoansTerm: 60 months
10.00%
▼
APR10.00%
Term60 months
Last UpdatedNot available
Details

Loan Amount Eligibility is based on the fair issac credit score: Over 780

Rate History
No change since Sep 21, 2026 · 10.00% APR · checked 5 times
9.50%10.00%10.50%Sep 21, 2026: 10.00% APRSep 21, 2026Oct 13, 2026
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Debt Consolidation - 0-48 Months LoanTerm: 0-48 months
10.00%
▼
APR10.00%
Term0-48 months
Last UpdatedNot available
Details

Credit Rating: C

Rate History
No change since Oct 5, 2026 · 10.00% APR · checked 2 times
9.50%10.00%10.50%Oct 5, 2026: 10.00% APROct 5, 2026Oct 13, 2026
Raleigh County Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Unsecured LoanTerm: 48 Months
10.00%
▼
APR10.00%
Term48 Months
Last UpdatedNot available
Details

Credit Score: 750 - 850

Rate History
No change since Sep 21, 2026 · 10.00% APR · checked 4 times
9.50%10.00%10.50%Sep 21, 2026: 10.00% APRSep 21, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Signature LoanTerm: 13-24 Months
10.25%
▼
APR10.25%
Term13-24 Months
Last UpdatedNot available
Details

As Low As; Signature Loans rates effective as of April 1, 2026

Rate History
No change since Sep 12, 2026 · 10.25% APR · checked 7 times
9.75%10.25%10.75%Sep 12, 2026: 10.25% APRSep 12, 2026Oct 13, 2026
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal LoansTerm: 12 months
10.25%
▼
APR10.25%
Interest Rate10.25%
Term12 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 10.25% APR · checked 7 times
9.75%10.25%10.75%Sep 17, 2026: 10.25% APRSep 17, 2026Oct 13, 2026
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.10%
Signature/Unsecured LoanTerm: Up to 60 Months
10.25%
▼
APR10.25%
TermUp to 60 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 10.25% APR · checked 6 times
9.75%10.25%10.75%Sep 17, 2026: 10.25% APRSep 17, 2026Oct 13, 2026
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Personal LoanTerm: 36 months
10.45%
▼
APR10.45%
Interest Rate9.99%
Term36 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.45% APR · checked 6 times
9.95%10.45%10.95%Sep 14, 2026: 10.45% APRSep 14, 2026Oct 13, 2026
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
Signature LoansTerm: up to 60 months
10.49%
▼
APR10.49%
Termup to 60 months
Last UpdatedNot available
Details

As Low As; Personal Loans

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 7 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Signature / Personal LoanTerm: 0 - 12 Months
10.49%
▼
APR10.49%
Term0 - 12 Months
Last UpdatedNot available
Details

As Low As; APR* as low as

Rate History
1 change since Sep 12, 2026 · 9.99% → 10.49% ▲ 0.50 pts · high 10.49% / low 9.99%
9.49%10.24%10.99%Sep 12, 2026: 9.99% APROct 4, 2026: 10.49% APRSep 12, 2026Oct 13, 2026
  • Oct 4, 202610.49%▲ from 9.99%
  • Sep 12, 20269.99%first recorded
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Personal LoanTerm: 24 months
10.49%
▼
APR10.49%
Term24 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 18, 2026 · 10.49% APR · checked 6 times
9.99%10.49%10.99%Sep 18, 2026: 10.49% APRSep 18, 2026Oct 13, 2026
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Personal Property LoanTerm: 60 months
10.49%
▼
APR10.49%
Term60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 7 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Signature LoanTerm: 25-36 Months
10.50%
▼
APR10.50%
Term25-36 Months
Last UpdatedNot available
Details

As Low As; Signature Loans rates effective as of April 1, 2026

Rate History
No change since Sep 12, 2026 · 10.50% APR · checked 7 times
10.00%10.50%11.00%Sep 12, 2026: 10.50% APRSep 12, 2026Oct 13, 2026
Romney Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.74%
Personal loans
10.50%
▼
APR10.50%
TermN/A
Last UpdatedNot available
Details

up to $7,500; As Low As; APR as printed on homepage carousel

Rate History
1 change since Sep 14, 2026 · 9.99% → 10.50% ▲ 0.51 pts · high 10.50% / low 9.99%
9.48%10.25%11.01%Sep 14, 2026: 9.99% APROct 4, 2026: 10.50% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 202610.50%▲ from 9.99%
  • Sep 14, 20269.99%first recorded
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Signature / Co-Maker LoanTerm: 60 Months
10.50%
▼
APR10.50%
Term60 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 8 times
10.00%10.50%11.00%Sep 14, 2026: 10.50% APRSep 14, 2026Oct 13, 2026
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal LoansTerm: 36 months
10.50%
▼
APR10.50%
Interest Rate10.50%
Term36 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 10.50% APR · checked 7 times
10.00%10.50%11.00%Sep 17, 2026: 10.50% APRSep 17, 2026Oct 13, 2026
Ohio Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
Personal LoansTerm: Up to 48 months
10.50%
▼
APR10.50%
TermUp to 48 months
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 30, 2026 · 10.50% APR · checked 4 times
10.00%10.50%11.00%Sep 30, 2026: 10.50% APRSep 30, 2026Oct 13, 2026
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
Unsecured Signature Loans - Closed EndTerm: 48 months
10.74%
▼
APR10.74%
Term48 months
Last UpdatedNot available
Details

Published APR range: 10.74% - 17.99%.

Rate History
No change since Oct 9, 2026 · 10.74% APR
10.24%10.74%11.24%Oct 9, 2026: 10.74% APROct 9, 2026Oct 13, 2026
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal LoansTerm: 48 months
10.75%
▼
APR10.75%
Interest Rate10.75%
Term48 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 10.75% APR · checked 7 times
10.25%10.75%11.25%Sep 17, 2026: 10.75% APRSep 17, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature Loans to $15,000Term: 36 months
10.75%
▼
APR10.75%
Interest Rate10.75%
Term36 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 10.75% APR · checked 3 times
10.25%10.75%11.25%Oct 9, 2026: 10.75% APROct 9, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature Loans to $5,000Term: 36 months
10.75%
▼
APR10.75%
Interest Rate10.75%
Term36 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 10.75% APR · checked 3 times
10.25%10.75%11.25%Oct 9, 2026: 10.75% APROct 9, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature Loans to $7,500Term: 36 months
10.75%
▼
APR10.75%
Interest Rate10.75%
Term36 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 10.75% APR · checked 3 times
10.25%10.75%11.25%Oct 9, 2026: 10.75% APROct 9, 2026Oct 13, 2026
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Personal LoanTerm: 48 months
10.85%
▼
APR10.85%
Interest Rate10.49%
Term48 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.85% APR · checked 6 times
10.35%10.85%11.35%Sep 14, 2026: 10.85% APRSep 14, 2026Oct 13, 2026
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Signature LoanTerm: 60 Months
10.90%
▼
APR10.90%
Term60 Months
Last UpdatedNot available
Details

Maximum Amount: $7,500.00

Rate History
1 change since Sep 14, 2026 · 14.40% → 10.90% ▼ 3.50 pts · high 14.40% / low 10.90%
7.40%12.65%17.90%Sep 14, 2026: 14.40% APRSep 21, 2026: 10.90% APRSep 14, 2026Oct 13, 2026
  • Sep 21, 202610.90%▼ from 14.40%
  • Sep 14, 202614.40%first recorded
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Signature / Personal LoanTerm: 13 - 36 Months
10.99%
▼
APR10.99%
Term13 - 36 Months
Last UpdatedNot available
Details

As Low As; APR* as low as

Rate History
1 change since Sep 12, 2026 · 10.49% → 10.99% ▲ 0.50 pts · high 10.99% / low 10.49%
9.99%10.74%11.49%Sep 12, 2026: 10.49% APROct 4, 2026: 10.99% APRSep 12, 2026Oct 13, 2026
  • Oct 4, 202610.99%▲ from 10.49%
  • Sep 12, 202610.49%first recorded
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Signature LoanTerm: 37-48 Months
11.00%
▼
APR11.00%
Term37-48 Months
Last UpdatedNot available
Details

As Low As; Signature Loans rates effective as of April 1, 2026

Rate History
No change since Sep 12, 2026 · 11.00% APR · checked 7 times
10.50%11.00%11.50%Sep 12, 2026: 11.00% APRSep 12, 2026Oct 13, 2026
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal LoansTerm: 60 months
11.00%
▼
APR11.00%
Interest Rate11.00%
Term60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 11.00% APR · checked 7 times
10.50%11.00%11.50%Sep 17, 2026: 11.00% APRSep 17, 2026Oct 13, 2026
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Personal LoanTerm: 60 months
11.04%
▼
APR11.04%
Interest Rate10.75%
Term60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 11.04% APR · checked 6 times
10.54%11.04%11.54%Sep 14, 2026: 11.04% APRSep 14, 2026Oct 13, 2026
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal LoansTerm: 72 months
11.25%
▼
APR11.25%
Interest Rate11.25%
Term72 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 11.25% APR · checked 7 times
10.75%11.25%11.75%Sep 17, 2026: 11.25% APRSep 17, 2026Oct 13, 2026
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Unsecured Loans
11.25%
▼
APR11.25%
TermN/A
Last UpdatedNot available
Details

Credit Score: 730 +; Grade of Paper: Platinum

Rate History
1 change since Sep 14, 2026 · 12.25% → 11.25% ▼ 1.00 pts · high 12.25% / low 11.25%
10.25%11.75%13.25%Sep 14, 2026: 12.25% APROct 9, 2026: 11.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202611.25%▼ from 12.25%
  • Sep 14, 202612.25%first recorded
Ohio Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
Personal LoansTerm: Up to 60 months
11.25%
▼
APR11.25%
TermUp to 60 months
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 30, 2026 · 11.25% APR · checked 4 times
10.75%11.25%11.75%Sep 30, 2026: 11.25% APRSep 30, 2026Oct 13, 2026
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Signature / Personal LoanTerm: 37 - 48 Months
11.49%
▼
APR11.49%
Term37 - 48 Months
Last UpdatedNot available
Details

As Low As; APR* as low as

Rate History
1 change since Sep 12, 2026 · 10.99% → 11.49% ▲ 0.50 pts · high 11.49% / low 10.99%
10.49%11.24%11.99%Sep 12, 2026: 10.99% APROct 4, 2026: 11.49% APRSep 12, 2026Oct 13, 2026
  • Oct 4, 202611.49%▲ from 10.99%
  • Sep 12, 202610.99%first recorded
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Personal LoanTerm: 60 months
11.49%
▼
APR11.49%
Term60 months
Last UpdatedNot available
Details

As Low As

Rate History
1 change since Sep 12, 2026 · 6.50% → 11.49% ▲ 4.99 pts · high 11.49% / low 6.50%
1.51%9.00%16.48%Sep 12, 2026: 6.50% APRSep 18, 2026: 11.49% APRSep 12, 2026Oct 13, 2026
  • Sep 18, 202611.49%▲ from 6.50%
  • Sep 12, 20266.50%first recorded
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Debt Consolidation - 0-48 Months LoanTerm: 0-48 months
11.50%
▼
APR11.50%
Term0-48 months
Last UpdatedNot available
Details

Credit Rating: D

Rate History
No change since Oct 5, 2026 · 11.50% APR · checked 2 times
11.00%11.50%12.00%Oct 5, 2026: 11.50% APROct 5, 2026Oct 13, 2026
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Unsecured Loan B Credit Score 640-699Term: up to 60 months
11.50%
▼
APR11.50%
Termup to 60 months
Last UpdatedNot available
Details

up to $15,000.00; Fixed

Rate History
No change since Sep 21, 2026 · 11.50% APR · checked 5 times
11.00%11.50%12.00%Sep 21, 2026: 11.50% APRSep 21, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Personal Loan
11.74%
▼
APR11.74%
TermN/A
Last UpdatedNot available
Details

Additional APR listed for this product: 13.24%. Loan Amount: $500.00 - $25,000.00

Rate History
No change since Sep 29, 2026 · 11.74% APR
11.24%11.74%12.24%Sep 29, 2026: 11.74% APRSep 29, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Signature LoanTerm: 49-60 Months
11.75%
▼
APR11.75%
Term49-60 Months
Last UpdatedNot available
Details

As Low As; Signature Loans rates effective as of April 1, 2026

Rate History
No change since Sep 12, 2026 · 11.75% APR · checked 7 times
11.25%11.75%12.25%Sep 12, 2026: 11.75% APRSep 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Personal LoanTerm: 84 months
11.99%
▼
APR11.99%
Term84 months
Last UpdatedNot available
Details

As Low As; Loan Amount: $5,000+

Rate History
No change since Sep 16, 2026 · 11.99% APR · checked 5 times
11.49%11.99%12.49%Sep 16, 2026: 11.99% APRSep 16, 2026Oct 13, 2026
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Signature / Personal LoanTerm: 49 - 60 Months
11.99%
▼
APR11.99%
Term49 - 60 Months
Last UpdatedNot available
Details

As Low As; APR* as low as; >$10,000

Rate History
1 change since Sep 12, 2026 · 11.00% → 11.99% ▲ 0.99 pts · high 11.99% / low 11.00%
10.01%11.50%12.98%Sep 12, 2026: 11.00% APROct 4, 2026: 11.99% APRSep 12, 2026Oct 13, 2026
  • Oct 4, 202611.99%▲ from 11.00%
  • Sep 12, 202611.00%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
Personal/Signature LoansTerm: Flexible terms avail
11.99%
▼
APR11.99%
TermFlexible terms avail
Last UpdatedNot available
Details

Term: Flexible terms available; Annual Percentage Rate (APR) shown is for applicant with credit scores 735 or higher. Rates apply to new loans to Patriot. Example: $7,500 loan, monthly payment will be $249.07 for 36 months at 11.99%. Other rates and terms available. Rates may change without notice. All loans subject to credit approval. Rates effective as of September 2, 2026

Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 8 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
Element Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
LOC & Personal Loans
11.99%
▼
APR11.99%
TermN/A
Last UpdatedNot available
Details

Rates as low as

Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 6 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
Cape Federal Credit Union
Institution Rating:
B4.1 ★Texas Ratio: 7.27%
Signature Loan
11.99%
▼
APR11.99%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 6 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
Signature LoansTerm: 60 months
12.00%
▼
APR12.00%
Term60 months
Last UpdatedNot available
Details

Published APR range: 12.00% - 18.00%.

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 8 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
DEBT CONSOLIDATION LOANTerm: 60 months
12.00%
▼
APR12.00%
Term60 months
Last UpdatedNot available
Details

$10,000 Maximum (Proceeds payable directly to creditors)

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 6 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
PERSONAL LOANSTerm: 60 months
12.00%
▼
APR12.00%
Term60 months
Last UpdatedNot available
Details

$10,000 Maximum

Rate History
No change since Sep 21, 2026 · 12.00% APR · checked 4 times
11.50%12.00%12.50%Sep 21, 2026: 12.00% APRSep 21, 2026Oct 13, 2026
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Signature Personal Loans to $15,000.00Term: Up to 60 months
12.00%
▼
APR12.00%
TermUp to 60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 6 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Signature LoansTerm: 60 months
12.00%
▼
APR12.00%
Term60 months
Last UpdatedNot available
Details

Loan Amount Eligibility is based on the fair issac credit score: 680-779

Rate History
No change since Sep 21, 2026 · 12.00% APR · checked 5 times
11.50%12.00%12.50%Sep 21, 2026: 12.00% APRSep 21, 2026Oct 13, 2026
Raleigh County Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Unsecured LoanTerm: 48 Months
12.00%
▼
APR12.00%
Term48 Months
Last UpdatedNot available
Details

Credit Score: 700 - 749

Rate History
No change since Sep 21, 2026 · 12.00% APR · checked 4 times
11.50%12.00%12.50%Sep 21, 2026: 12.00% APRSep 21, 2026Oct 13, 2026
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Unsecured Loans
12.25%
▼
APR12.25%
TermN/A
Last UpdatedNot available
Details

Credit Score: 680 - 729; Grade of Paper: A

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 8 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
Charleston Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Personal Loan
12.25%
▼
APR12.25%
TermN/A
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 7 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Personal Unsecured LoanTerm: 36 Months
12.34%
▼
APR12.34%
Interest Rate11.99%
Term36 Months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 12.34% APR · checked 8 times
11.84%12.34%12.84%Sep 14, 2026: 12.34% APRSep 14, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature Loans to $15,000Term: 48 months
12.50%
▼
APR12.50%
Interest Rate12.50%
Term48 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 12.50% APR · checked 3 times
12.00%12.50%13.00%Oct 9, 2026: 12.50% APROct 9, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature Loans to $7,500Term: 48 months
12.50%
▼
APR12.50%
Interest Rate12.50%
Term48 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 12.50% APR · checked 3 times
12.00%12.50%13.00%Oct 9, 2026: 12.50% APROct 9, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Signature LoanTerm: 3 years
12.66%
▼
APR12.66%
Interest Rate11.99%
Term3 years
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 12.66% APR · checked 8 times
12.16%12.66%13.16%Sep 14, 2026: 12.66% APRSep 14, 2026Oct 13, 2026
Appalachian Power Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
Signature loansTerm: 48 Months
13.00%
▼
APR13.00%
Term48 Months
Last UpdatedNot available
Details

Signature loans available up to $5000.00

Rate History
No change since Oct 8, 2026 · 13.00% APR · checked 2 times
12.50%13.00%13.50%Oct 8, 2026: 13.00% APROct 8, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Signature LoanTerm: 61-72 Months
13.00%
▼
APR13.00%
Term61-72 Months
Last UpdatedNot available
Details

As Low As; Signature Loans rates effective as of April 1, 2026

Rate History
No change since Sep 12, 2026 · 13.00% APR · checked 7 times
12.50%13.00%13.50%Sep 12, 2026: 13.00% APRSep 12, 2026Oct 13, 2026
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Unsecured Loans
13.25%
▼
APR13.25%
TermN/A
Last UpdatedNot available
Details

Credit Score: 640 - 679; Grade of Paper: B

Rate History
1 change since Sep 14, 2026 · 12.25% → 13.25% ▲ 1.00 pts · high 13.25% / low 12.25%
11.25%12.75%14.25%Sep 14, 2026: 12.25% APROct 9, 2026: 13.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202613.25%▲ from 12.25%
  • Sep 14, 202612.25%first recorded
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Personal Unsecured LoanTerm: 48 Months
13.26%
▼
APR13.26%
Interest Rate12.99%
Term48 Months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 13.26% APR · checked 8 times
12.76%13.26%13.76%Sep 14, 2026: 13.26% APRSep 14, 2026Oct 13, 2026
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Debt Consolidation - 0-48 Months LoanTerm: 0-48 months
13.75%
▼
APR13.75%
Term0-48 months
Last UpdatedNot available
Details

Credit Rating: E

Rate History
No change since Oct 5, 2026 · 13.75% APR · checked 2 times
13.25%13.75%14.25%Oct 5, 2026: 13.75% APROct 5, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature Loans to $15,000Term: 60 months
13.75%
▼
APR13.75%
Interest Rate13.75%
Term60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 13.75% APR · checked 3 times
13.25%13.75%14.25%Oct 9, 2026: 13.75% APROct 9, 2026Oct 13, 2026
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
Unsecured Loans
14.00%
▼
APR14.00%
Interest Rate14.00%
TermN/A
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 16, 2026 · 14.00% APR · checked 6 times
13.50%14.00%14.50%Sep 16, 2026: 14.00% APRSep 16, 2026Oct 13, 2026
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Signature LoansTerm: 48 months
14.00%
▼
APR14.00%
Term48 months
Last UpdatedNot available
Details

Loan Amount Eligibility is based on the fair issac credit score: 630-679

Rate History
No change since Sep 21, 2026 · 14.00% APR · checked 5 times
13.50%14.00%14.50%Sep 21, 2026: 14.00% APRSep 21, 2026Oct 13, 2026
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Debt Consolidation (checks written to creditors, accounts must be closed) Loan
14.00%
▼
APR14.00%
Interest Rate14.00%
TermN/A
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 5, 2026 · 14.00% APR · checked 2 times
13.50%14.00%14.50%Oct 5, 2026: 14.00% APROct 5, 2026Oct 13, 2026
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Unsecured Loans
14.25%
▼
APR14.25%
TermN/A
Last UpdatedNot available
Details

Credit Score: 600 - 639; Grade of Paper: C

Rate History
1 change since Sep 14, 2026 · 12.25% → 14.25% ▲ 2.00 pts · high 14.25% / low 12.25%
10.25%13.25%16.25%Sep 14, 2026: 12.25% APROct 9, 2026: 14.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202614.25%▲ from 12.25%
  • Sep 14, 202612.25%first recorded
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
Personal LoanTerm: 48 months
14.37%
▼
APR14.37%
Interest Rate12.95%
Term48 months
Last UpdatedNot available
Details

As Low As

Rate History
3 changes since Sep 16, 2026 · 14.37% → 14.37% ▼ 0.00 pts · high 14.37% / low 14.37%
13.87%14.37%14.87%Sep 16, 2026: 14.37% APRSep 25, 2026: 14.37% APRSep 28, 2026: 14.37% APROct 4, 2026: 14.37% APRSep 16, 2026Oct 13, 2026
  • Oct 4, 202614.37%▼ from 14.37%
  • Sep 28, 202614.37%▼ from 14.37%
  • Sep 25, 202614.37%▼ from 14.37%
  • Sep 16, 202614.37%first recorded
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Signature LoanTerm: 60 Months
14.40%
▼
APR14.40%
Term60 Months
Last UpdatedNot available
Details

Maximum Amount: $2,500.00

Rate History
1 change since Sep 14, 2026 · 15.50% → 14.40% ▼ 1.10 pts · high 15.50% / low 14.40%
13.30%14.95%16.60%Sep 14, 2026: 15.50% APRSep 21, 2026: 14.40% APRSep 14, 2026Oct 13, 2026
  • Sep 21, 202614.40%▼ from 15.50%
  • Sep 14, 202615.50%first recorded
Raleigh County Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Unsecured LoanTerm: 42 Months
14.50%
▼
APR14.50%
Term42 Months
Last UpdatedNot available
Details

Credit Score: 650 - 699

Rate History
No change since Sep 21, 2026 · 14.50% APR · checked 4 times
14.00%14.50%15.00%Sep 21, 2026: 14.50% APRSep 21, 2026Oct 13, 2026
Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.52%
Unsecured LoanTerm: 36 months
15.00%
▼
APR15.00%
Term36 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 15.00% APR
14.50%15.00%15.50%Oct 9, 2026: 15.00% APROct 9, 2026Oct 13, 2026
Raleigh County Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
Unsecured LoanTerm: 36 Months
15.00%
▼
APR15.00%
Term36 Months
Last UpdatedNot available
Details

Credit Score: 600 - 649

Rate History
No change since Sep 21, 2026 · 15.00% APR · checked 4 times
14.50%15.00%15.50%Sep 21, 2026: 15.00% APRSep 21, 2026Oct 13, 2026
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Signature LoanTerm: 60 Months
15.50%
▼
APR15.50%
Term60 Months
Last UpdatedNot available
Details

Maximum Amount: $500.00

Rate History
No change since Sep 14, 2026 · 15.50% APR · checked 6 times
15.00%15.50%16.00%Sep 14, 2026: 15.50% APRSep 14, 2026Oct 13, 2026
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Signature LoansTerm: 36 months
16.00%
▼
APR16.00%
Term36 months
Last UpdatedNot available
Details

Loan Amount Eligibility is based on the fair issac credit score: 530-629

Rate History
No change since Sep 21, 2026 · 16.00% APR · checked 5 times
15.50%16.00%16.50%Sep 21, 2026: 16.00% APRSep 21, 2026Oct 13, 2026
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Unsecured Loan C Credit Score 590-639Term: up to 60 months
16.00%
▼
APR16.00%
Termup to 60 months
Last UpdatedNot available
Details

up to $10,000.00; Fixed

Rate History
No change since Sep 21, 2026 · 16.00% APR · checked 5 times
15.50%16.00%16.50%Sep 21, 2026: 16.00% APRSep 21, 2026Oct 13, 2026
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Unsecured Loans
16.75%
▼
APR16.75%
TermN/A
Last UpdatedNot available
Details

Credit Score: 550 - 599; Grade of Paper: D

Rate History
1 change since Sep 14, 2026 · 12.25% → 16.75% ▲ 4.50 pts · high 16.75% / low 12.25%
7.75%14.50%21.25%Sep 14, 2026: 12.25% APROct 9, 2026: 16.75% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202616.75%▲ from 12.25%
  • Sep 14, 202612.25%first recorded
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Signature LoansTerm: 24 months
17.00%
▼
APR17.00%
Term24 months
Last UpdatedNot available
Details

Loan Amount Eligibility is based on the fair issac credit score: 529-500

Rate History
No change since Sep 21, 2026 · 17.00% APR · checked 5 times
16.50%17.00%17.50%Sep 21, 2026: 17.00% APRSep 21, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
Express Signature LoanTerm: 12 months
17.37%
▼
APR17.37%
Term12 months
Last UpdatedNot available
Details

Annual Percentage Rate (APR) $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. Rates effective as of September 2, 2026. As low as

Rate History
No change since Sep 14, 2026 · 17.37% APR · checked 8 times
16.87%17.37%17.87%Sep 14, 2026: 17.37% APRSep 14, 2026Oct 13, 2026
Long Reach Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Unsecured Loans
17.50%
▼
APR17.50%
TermN/A
Last UpdatedNot available
Details

Credit Score: 549 or less; Grade of Paper: E

Rate History
1 change since Sep 14, 2026 · 12.25% → 17.50% ▲ 5.25 pts · high 17.50% / low 12.25%
7.00%14.88%22.75%Sep 14, 2026: 12.25% APROct 9, 2026: 17.50% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202617.50%▲ from 12.25%
  • Sep 14, 202612.25%first recorded
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Unsecured Loan D Credit Score 589 and lowerTerm: up to 60 months
18.00%
▼
APR18.00%
Termup to 60 months
Last UpdatedNot available
Details

up to $10,000.00; Fixed

Rate History
No change since Sep 21, 2026 · 18.00% APR · checked 5 times
17.50%18.00%18.50%Sep 21, 2026: 18.00% APRSep 21, 2026Oct 13, 2026

Westover Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Personal LoanTerm: Up to 12 months
7.99%
▼
APR7.99%
TermUp to 12 months
Last UpdatedNot available
Details

As Low As; Loan Amount: $500+

Rate History
No change since Sep 16, 2026 · 7.99% APR · checked 4 times
7.49%7.99%8.49%Sep 16, 2026: 7.99% APRSep 16, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Personal LoanTerm: 36 months
8.24%
▼
APR8.24%
Term36 months
Last UpdatedNot available
Details

As Low As; Loan Amount: $2,500+

Rate History
No change since Sep 16, 2026 · 8.24% APR · checked 4 times
7.74%8.24%8.74%Sep 16, 2026: 8.24% APRSep 16, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Personal LoanTerm: 48 months
8.49%
▼
APR8.49%
Term48 months
Last UpdatedNot available
Details

As Low As; Loan Amount: $3,000+

Rate History
No change since Sep 16, 2026 · 8.49% APR · checked 5 times
7.99%8.49%8.99%Sep 16, 2026: 8.49% APRSep 16, 2026Oct 13, 2026
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Personal LoansTerm: up to 60 months
8.49%
▼
APR8.49%
Termup to 60 months
Last UpdatedNot available
Details

With qualifying credit and direct deposit with automatic payment.

Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 6 times
7.99%8.49%8.99%Sep 14, 2026: 8.49% APRSep 14, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Personal LoanTerm: 60 months
8.99%
▼
APR8.99%
Term60 months
Last UpdatedNot available
Details

As Low As; Loan Amount: $5,000+

Rate History
No change since Sep 16, 2026 · 8.99% APR · checked 5 times
8.49%8.99%9.49%Sep 16, 2026: 8.99% APRSep 16, 2026Oct 13, 2026
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Personal LoanTerm: 24 months
9.46%
▼
APR9.46%
Interest Rate8.80%
Term24 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 9.46% APR · checked 6 times
8.96%9.46%9.96%Sep 14, 2026: 9.46% APRSep 14, 2026Oct 13, 2026
Lb&t
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Personal LoanTerm: 2-year
9.49%
▼
APR9.49%
Term2-year
Last UpdatedNot available
Details

As Low As; The Annual Percentage Rate (APR) shown is for a personal loan of at least $2,000, with a 2-year term. Your actual APR may be higher than the rate shown. Rates shown are as of 2/10/2026 and are subject to change without notice. Your Annual Percentage Rate (APR) will be based on the amount of credit requested, loan term and your creditworthiness. The lowest rate available assumes excellent credit history.

Rate History
No change since Sep 15, 2026 · 9.49% APR · checked 5 times
8.99%9.49%9.99%Sep 15, 2026: 9.49% APRSep 15, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Personal LoanTerm: 72 months
9.49%
▼
APR9.49%
Term72 months
Last UpdatedNot available
Details

As Low As; Loan Amount: $5,000+

Rate History
No change since Sep 16, 2026 · 9.49% APR · checked 5 times
8.99%9.49%9.99%Sep 16, 2026: 9.49% APRSep 16, 2026Oct 13, 2026
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Signature Personal LoansTerm: Up to 60 months
9.50%
▼
APR9.50%
TermUp to 60 months
Last UpdatedNot available
Details

up to $10,000.00

Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 7 times
9.00%9.50%10.00%Sep 14, 2026: 9.50% APRSep 14, 2026Oct 13, 2026
Huntingtonized Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
Personal Loan
9.90%
▼
APR9.90%
TermN/A
Last UpdatedNot available
Details

As Low As; Starting at 9.90% Annual Percentage Rate

Rate History
No change since Sep 16, 2026 · 9.90% APR · checked 5 times
9.40%9.90%10.40%Sep 16, 2026: 9.90% APRSep 16, 2026Oct 13, 2026
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Personal Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Loan qualification is based on an assessment of individual creditworthiness and our underwriting standards.

Rate History
No change since Sep 17, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 17, 2026: 9.99% APRSep 17, 2026Oct 13, 2026
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal LoansTerm: 12 months
10.25%
▼
APR10.25%
Interest Rate10.25%
Term12 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 10.25% APR · checked 7 times
9.75%10.25%10.75%Sep 17, 2026: 10.25% APRSep 17, 2026Oct 13, 2026
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Personal LoanTerm: 36 months
10.45%
▼
APR10.45%
Interest Rate9.99%
Term36 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.45% APR · checked 6 times
9.95%10.45%10.95%Sep 14, 2026: 10.45% APRSep 14, 2026Oct 13, 2026
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Signature / Personal LoanTerm: 0 - 12 Months
10.49%
▼
APR10.49%
Term0 - 12 Months
Last UpdatedNot available
Details

As Low As; APR* as low as

Rate History
1 change since Sep 12, 2026 · 9.99% → 10.49% ▲ 0.50 pts · high 10.49% / low 9.99%
9.49%10.24%10.99%Sep 12, 2026: 9.99% APROct 4, 2026: 10.49% APRSep 12, 2026Oct 13, 2026
  • Oct 4, 202610.49%▲ from 9.99%
  • Sep 12, 20269.99%first recorded
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Personal LoanTerm: 24 months
10.49%
▼
APR10.49%
Term24 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 18, 2026 · 10.49% APR · checked 6 times
9.99%10.49%10.99%Sep 18, 2026: 10.49% APRSep 18, 2026Oct 13, 2026
Romney Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.74%
Personal loans
10.50%
▼
APR10.50%
TermN/A
Last UpdatedNot available
Details

up to $7,500; As Low As; APR as printed on homepage carousel

Rate History
1 change since Sep 14, 2026 · 9.99% → 10.50% ▲ 0.51 pts · high 10.50% / low 9.99%
9.48%10.25%11.01%Sep 14, 2026: 9.99% APROct 4, 2026: 10.50% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 202610.50%▲ from 9.99%
  • Sep 14, 20269.99%first recorded
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal LoansTerm: 36 months
10.50%
▼
APR10.50%
Interest Rate10.50%
Term36 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 10.50% APR · checked 7 times
10.00%10.50%11.00%Sep 17, 2026: 10.50% APRSep 17, 2026Oct 13, 2026
Ohio Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
Personal LoansTerm: Up to 48 months
10.50%
▼
APR10.50%
TermUp to 48 months
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 30, 2026 · 10.50% APR · checked 4 times
10.00%10.50%11.00%Sep 30, 2026: 10.50% APRSep 30, 2026Oct 13, 2026
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal LoansTerm: 48 months
10.75%
▼
APR10.75%
Interest Rate10.75%
Term48 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 10.75% APR · checked 7 times
10.25%10.75%11.25%Sep 17, 2026: 10.75% APRSep 17, 2026Oct 13, 2026
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Personal LoanTerm: 48 months
10.85%
▼
APR10.85%
Interest Rate10.49%
Term48 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.85% APR · checked 6 times
10.35%10.85%11.35%Sep 14, 2026: 10.85% APRSep 14, 2026Oct 13, 2026
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Signature / Personal LoanTerm: 13 - 36 Months
10.99%
▼
APR10.99%
Term13 - 36 Months
Last UpdatedNot available
Details

As Low As; APR* as low as

Rate History
1 change since Sep 12, 2026 · 10.49% → 10.99% ▲ 0.50 pts · high 10.99% / low 10.49%
9.99%10.74%11.49%Sep 12, 2026: 10.49% APROct 4, 2026: 10.99% APRSep 12, 2026Oct 13, 2026
  • Oct 4, 202610.99%▲ from 10.49%
  • Sep 12, 202610.49%first recorded
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal LoansTerm: 60 months
11.00%
▼
APR11.00%
Interest Rate11.00%
Term60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 11.00% APR · checked 7 times
10.50%11.00%11.50%Sep 17, 2026: 11.00% APRSep 17, 2026Oct 13, 2026
First Mutual Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Personal LoanTerm: 60 months
11.04%
▼
APR11.04%
Interest Rate10.75%
Term60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 11.04% APR · checked 6 times
10.54%11.04%11.54%Sep 14, 2026: 11.04% APRSep 14, 2026Oct 13, 2026
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal LoansTerm: 72 months
11.25%
▼
APR11.25%
Interest Rate11.25%
Term72 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 11.25% APR · checked 7 times
10.75%11.25%11.75%Sep 17, 2026: 11.25% APRSep 17, 2026Oct 13, 2026
Ohio Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.01%
Personal LoansTerm: Up to 60 months
11.25%
▼
APR11.25%
TermUp to 60 months
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 30, 2026 · 11.25% APR · checked 4 times
10.75%11.25%11.75%Sep 30, 2026: 11.25% APRSep 30, 2026Oct 13, 2026
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Signature / Personal LoanTerm: 37 - 48 Months
11.49%
▼
APR11.49%
Term37 - 48 Months
Last UpdatedNot available
Details

As Low As; APR* as low as

Rate History
1 change since Sep 12, 2026 · 10.99% → 11.49% ▲ 0.50 pts · high 11.49% / low 10.99%
10.49%11.24%11.99%Sep 12, 2026: 10.99% APROct 4, 2026: 11.49% APRSep 12, 2026Oct 13, 2026
  • Oct 4, 202611.49%▲ from 10.99%
  • Sep 12, 202610.99%first recorded
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Personal LoanTerm: 60 months
11.49%
▼
APR11.49%
Term60 months
Last UpdatedNot available
Details

As Low As

Rate History
1 change since Sep 12, 2026 · 6.50% → 11.49% ▲ 4.99 pts · high 11.49% / low 6.50%
1.51%9.00%16.48%Sep 12, 2026: 6.50% APRSep 18, 2026: 11.49% APRSep 12, 2026Oct 13, 2026
  • Sep 18, 202611.49%▲ from 6.50%
  • Sep 12, 20266.50%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Personal Loan
11.74%
▼
APR11.74%
TermN/A
Last UpdatedNot available
Details

Additional APR listed for this product: 13.24%. Loan Amount: $500.00 - $25,000.00

Rate History
No change since Sep 29, 2026 · 11.74% APR
11.24%11.74%12.24%Sep 29, 2026: 11.74% APRSep 29, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Personal LoanTerm: 84 months
11.99%
▼
APR11.99%
Term84 months
Last UpdatedNot available
Details

As Low As; Loan Amount: $5,000+

Rate History
No change since Sep 16, 2026 · 11.99% APR · checked 5 times
11.49%11.99%12.49%Sep 16, 2026: 11.99% APRSep 16, 2026Oct 13, 2026
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Signature / Personal LoanTerm: 49 - 60 Months
11.99%
▼
APR11.99%
Term49 - 60 Months
Last UpdatedNot available
Details

As Low As; APR* as low as; >$10,000

Rate History
1 change since Sep 12, 2026 · 11.00% → 11.99% ▲ 0.99 pts · high 11.99% / low 11.00%
10.01%11.50%12.98%Sep 12, 2026: 11.00% APROct 4, 2026: 11.99% APRSep 12, 2026Oct 13, 2026
  • Oct 4, 202611.99%▲ from 11.00%
  • Sep 12, 202611.00%first recorded
Element Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
LOC & Personal Loans
11.99%
▼
APR11.99%
TermN/A
Last UpdatedNot available
Details

Rates as low as

Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 6 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
PERSONAL LOANSTerm: 60 months
12.00%
▼
APR12.00%
Term60 months
Last UpdatedNot available
Details

$10,000 Maximum

Rate History
No change since Sep 21, 2026 · 12.00% APR · checked 4 times
11.50%12.00%12.50%Sep 21, 2026: 12.00% APRSep 21, 2026Oct 13, 2026
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Signature Personal Loans to $15,000.00Term: Up to 60 months
12.00%
▼
APR12.00%
TermUp to 60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 6 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Charleston Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Personal Loan
12.25%
▼
APR12.25%
TermN/A
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 7 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
Personal LoanTerm: 48 months
14.37%
▼
APR14.37%
Interest Rate12.95%
Term48 months
Last UpdatedNot available
Details

As Low As

Rate History
3 changes since Sep 16, 2026 · 14.37% → 14.37% ▼ 0.00 pts · high 14.37% / low 14.37%
13.87%14.37%14.87%Sep 16, 2026: 14.37% APRSep 25, 2026: 14.37% APRSep 28, 2026: 14.37% APROct 4, 2026: 14.37% APRSep 16, 2026Oct 13, 2026
  • Oct 4, 202614.37%▼ from 14.37%
  • Sep 28, 202614.37%▼ from 14.37%
  • Sep 25, 202614.37%▼ from 14.37%
  • Sep 16, 202614.37%first recorded

Westover Debt Consolidation Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Debt Consolidation - 0-48 Months LoanTerm: 0-48 months
7.00%
▼
APR7.00%
Term0-48 months
Last UpdatedNot available
Details

Credit Rating: A+

Rate History
No change since Oct 5, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Oct 5, 2026: 7.00% APROct 5, 2026Oct 13, 2026
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Debt Consolidation - 0-48 Months LoanTerm: 0-48 months
7.75%
▼
APR7.75%
Term0-48 months
Last UpdatedNot available
Details

Credit Rating: A

Rate History
No change since Oct 5, 2026 · 7.75% APR · checked 2 times
7.25%7.75%8.25%Oct 5, 2026: 7.75% APROct 5, 2026Oct 13, 2026
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Debt Consolidation - 0-48 Months LoanTerm: 0-48 months
8.50%
▼
APR8.50%
Term0-48 months
Last UpdatedNot available
Details

Credit Rating: B

Rate History
No change since Oct 5, 2026 · 8.50% APR · checked 2 times
8.00%8.50%9.00%Oct 5, 2026: 8.50% APROct 5, 2026Oct 13, 2026
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Debt Consolidation - 0-48 Months LoanTerm: 0-48 months
10.00%
▼
APR10.00%
Term0-48 months
Last UpdatedNot available
Details

Credit Rating: C

Rate History
No change since Oct 5, 2026 · 10.00% APR · checked 2 times
9.50%10.00%10.50%Oct 5, 2026: 10.00% APROct 5, 2026Oct 13, 2026
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Debt Consolidation - 0-48 Months LoanTerm: 0-48 months
11.50%
▼
APR11.50%
Term0-48 months
Last UpdatedNot available
Details

Credit Rating: D

Rate History
No change since Oct 5, 2026 · 11.50% APR · checked 2 times
11.00%11.50%12.00%Oct 5, 2026: 11.50% APROct 5, 2026Oct 13, 2026
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
DEBT CONSOLIDATION LOANTerm: 60 months
12.00%
▼
APR12.00%
Term60 months
Last UpdatedNot available
Details

$10,000 Maximum (Proceeds payable directly to creditors)

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 6 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Debt Consolidation - 0-48 Months LoanTerm: 0-48 months
13.75%
▼
APR13.75%
Term0-48 months
Last UpdatedNot available
Details

Credit Rating: E

Rate History
No change since Oct 5, 2026 · 13.75% APR · checked 2 times
13.25%13.75%14.25%Oct 5, 2026: 13.75% APROct 5, 2026Oct 13, 2026
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Debt Consolidation (checks written to creditors, accounts must be closed) Loan
14.00%
▼
APR14.00%
Interest Rate14.00%
TermN/A
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 5, 2026 · 14.00% APR · checked 2 times
13.50%14.00%14.50%Oct 5, 2026: 14.00% APROct 5, 2026Oct 13, 2026

Westover Signature Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.10%
Signature/Unsecured LoanTerm: Up to 12 Months
6.50%
▼
APR6.50%
TermUp to 12 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 6.50% APR · checked 6 times
6.00%6.50%7.00%Sep 17, 2026: 6.50% APRSep 17, 2026Oct 13, 2026
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.10%
Signature/Unsecured LoanTerm: Up to 24 Months
7.25%
▼
APR7.25%
TermUp to 24 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 7.25% APR · checked 6 times
6.75%7.25%7.75%Sep 17, 2026: 7.25% APRSep 17, 2026Oct 13, 2026
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.10%
Signature/Unsecured LoanTerm: Up to 36 Months
7.75%
▼
APR7.75%
TermUp to 36 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 7.75% APR · checked 6 times
7.25%7.75%8.25%Sep 17, 2026: 7.75% APRSep 17, 2026Oct 13, 2026
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
Signature/ Unsecured LoanTerm: 60 Months
8.00%
▼
APR8.00%
Term60 Months
Last UpdatedNot available
Details

Maximum: $10,000

Rate History
No change since Oct 9, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 9, 2026: 8.00% APROct 9, 2026Oct 13, 2026
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.10%
Signature/Unsecured LoanTerm: Up to 48 Months
8.75%
▼
APR8.75%
TermUp to 48 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 8.75% APR · checked 6 times
8.25%8.75%9.25%Sep 17, 2026: 8.75% APRSep 17, 2026Oct 13, 2026
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Signature LoanTerm: 60 Months
8.90%
▼
APR8.90%
Term60 Months
Last UpdatedNot available
Details

Maximum Amount: $10,000.00

Rate History
1 change since Sep 14, 2026 · 10.90% → 8.90% ▼ 2.00 pts · high 10.90% / low 8.90%
6.90%9.90%12.90%Sep 14, 2026: 10.90% APRSep 21, 2026: 8.90% APRSep 14, 2026Oct 13, 2026
  • Sep 21, 20268.90%▼ from 10.90%
  • Sep 14, 202610.90%first recorded
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
Unsecured Signature Loans - Closed EndTerm: 24 months
8.99%
▼
APR8.99%
Term24 months
Last UpdatedNot available
Details

Published APR range: 8.99% - 17.99%. UP TO $10,000.00

Rate History
No change since Oct 9, 2026 · 8.99% APR
8.49%8.99%9.49%Oct 9, 2026: 8.99% APROct 9, 2026Oct 13, 2026
Martinsburg VA Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Signature Loans
9.00%
▼
APR9.00%
TermN/A
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 6 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
Personal (Signature) LoansTerm: 0-60 months
9.50%
▼
APR9.50%
Term0-60 months
Last UpdatedNot available
Details

As Low As; Minimum Loan $500.00

Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 7 times
9.00%9.50%10.00%Sep 14, 2026: 9.50% APRSep 14, 2026Oct 13, 2026
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Signature Personal LoansTerm: Up to 60 months
9.50%
▼
APR9.50%
TermUp to 60 months
Last UpdatedNot available
Details

up to $10,000.00

Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 7 times
9.00%9.50%10.00%Sep 14, 2026: 9.50% APRSep 14, 2026Oct 13, 2026
Union Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Unsecured Loans (Signature)
9.50%
▼
APR9.50%
TermN/A
Last UpdatedNot available
Details

Rates are based on individual credit worthiness. As Low As

Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 8 times
9.00%9.50%10.00%Sep 14, 2026: 9.50% APRSep 14, 2026Oct 13, 2026
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.03%
Signature Loan
9.70%
▼
APR9.70%
TermN/A
Last UpdatedNot available
Details

No additional details available.

Rate History
1 change since Sep 14, 2026 · 9.55% → 9.70% ▲ 0.15 pts · high 9.70% / low 9.55%
9.05%9.63%10.20%Sep 14, 2026: 9.55% APRSep 25, 2026: 9.70% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20269.70%▲ from 9.55%
  • Sep 14, 20269.55%first recorded
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
Unsecured Signature Loans - Closed EndTerm: 36 months
9.74%
▼
APR9.74%
Term36 months
Last UpdatedNot available
Details

Published APR range: 9.74% - 17.99%.

Rate History
No change since Oct 9, 2026 · 9.74% APR
9.24%9.74%10.24%Oct 9, 2026: 9.74% APROct 9, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature LoansTerm: 24 months
9.75%
▼
APR9.75%
Interest Rate9.75%
Term24 months
Last UpdatedNot available
Details

Up to $2,500

Rate History
No change since Sep 14, 2026 · 9.75% APR · checked 8 times
9.25%9.75%10.25%Sep 14, 2026: 9.75% APRSep 14, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature Loans to $15,000Term: 24 months
9.75%
▼
APR9.75%
Interest Rate9.75%
Term24 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 9.75% APR · checked 3 times
9.25%9.75%10.25%Oct 9, 2026: 9.75% APROct 9, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature Loans to $5,000Term: 24 months
9.75%
▼
APR9.75%
Interest Rate9.75%
Term24 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 9.75% APR · checked 3 times
9.25%9.75%10.25%Oct 9, 2026: 9.75% APROct 9, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature Loans to $7,500Term: 24 months
9.75%
▼
APR9.75%
Interest Rate9.75%
Term24 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 9.75% APR · checked 3 times
9.25%9.75%10.25%Oct 9, 2026: 9.75% APROct 9, 2026Oct 13, 2026
Home Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Signature Loan
9.99%
▼
APR9.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Rate subject to change without notice. Interest rate based on credit score. Terms based on dollar amount financed. Loan subject to credit approval.

Rate History
No change since Sep 12, 2026 · 9.99% APR · checked 7 times
9.49%9.99%10.49%Sep 12, 2026: 9.99% APRSep 12, 2026Oct 13, 2026
Hope Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Signature LoanTerm: 84 Months
10.00%
▼
APR10.00%
Term84 Months
Last UpdatedNot available
Details

Unsecured Personal; $10,000 Maximum; Not available to any member that has a Cosigner Loan

Rate History
No change since Sep 16, 2026 · 10.00% APR · checked 5 times
9.50%10.00%10.50%Sep 16, 2026: 10.00% APRSep 16, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Signature LoanTerm: 0-12 Month
10.00%
▼
APR10.00%
Term0-12 Month
Last UpdatedNot available
Details

As Low As; Signature Loans rates effective as of April 1, 2026

Rate History
No change since Sep 12, 2026 · 10.00% APR · checked 7 times
9.50%10.00%10.50%Sep 12, 2026: 10.00% APRSep 12, 2026Oct 13, 2026
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Signature LoansTerm: 60 months
10.00%
▼
APR10.00%
Term60 months
Last UpdatedNot available
Details

Loan Amount Eligibility is based on the fair issac credit score: Over 780

Rate History
No change since Sep 21, 2026 · 10.00% APR · checked 5 times
9.50%10.00%10.50%Sep 21, 2026: 10.00% APRSep 21, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Signature LoanTerm: 13-24 Months
10.25%
▼
APR10.25%
Term13-24 Months
Last UpdatedNot available
Details

As Low As; Signature Loans rates effective as of April 1, 2026

Rate History
No change since Sep 12, 2026 · 10.25% APR · checked 7 times
9.75%10.25%10.75%Sep 12, 2026: 10.25% APRSep 12, 2026Oct 13, 2026
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.10%
Signature/Unsecured LoanTerm: Up to 60 Months
10.25%
▼
APR10.25%
TermUp to 60 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 17, 2026 · 10.25% APR · checked 6 times
9.75%10.25%10.75%Sep 17, 2026: 10.25% APRSep 17, 2026Oct 13, 2026
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
Signature LoansTerm: up to 60 months
10.49%
▼
APR10.49%
Termup to 60 months
Last UpdatedNot available
Details

As Low As; Personal Loans

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 7 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Signature / Personal LoanTerm: 0 - 12 Months
10.49%
▼
APR10.49%
Term0 - 12 Months
Last UpdatedNot available
Details

As Low As; APR* as low as

Rate History
1 change since Sep 12, 2026 · 9.99% → 10.49% ▲ 0.50 pts · high 10.49% / low 9.99%
9.49%10.24%10.99%Sep 12, 2026: 9.99% APROct 4, 2026: 10.49% APRSep 12, 2026Oct 13, 2026
  • Oct 4, 202610.49%▲ from 9.99%
  • Sep 12, 20269.99%first recorded
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Signature LoanTerm: 25-36 Months
10.50%
▼
APR10.50%
Term25-36 Months
Last UpdatedNot available
Details

As Low As; Signature Loans rates effective as of April 1, 2026

Rate History
No change since Sep 12, 2026 · 10.50% APR · checked 7 times
10.00%10.50%11.00%Sep 12, 2026: 10.50% APRSep 12, 2026Oct 13, 2026
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Signature / Co-Maker LoanTerm: 60 Months
10.50%
▼
APR10.50%
Term60 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 8 times
10.00%10.50%11.00%Sep 14, 2026: 10.50% APRSep 14, 2026Oct 13, 2026
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
Unsecured Signature Loans - Closed EndTerm: 48 months
10.74%
▼
APR10.74%
Term48 months
Last UpdatedNot available
Details

Published APR range: 10.74% - 17.99%.

Rate History
No change since Oct 9, 2026 · 10.74% APR
10.24%10.74%11.24%Oct 9, 2026: 10.74% APROct 9, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature Loans to $15,000Term: 36 months
10.75%
▼
APR10.75%
Interest Rate10.75%
Term36 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 10.75% APR · checked 3 times
10.25%10.75%11.25%Oct 9, 2026: 10.75% APROct 9, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature Loans to $5,000Term: 36 months
10.75%
▼
APR10.75%
Interest Rate10.75%
Term36 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 10.75% APR · checked 3 times
10.25%10.75%11.25%Oct 9, 2026: 10.75% APROct 9, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature Loans to $7,500Term: 36 months
10.75%
▼
APR10.75%
Interest Rate10.75%
Term36 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 10.75% APR · checked 3 times
10.25%10.75%11.25%Oct 9, 2026: 10.75% APROct 9, 2026Oct 13, 2026
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Signature LoanTerm: 60 Months
10.90%
▼
APR10.90%
Term60 Months
Last UpdatedNot available
Details

Maximum Amount: $7,500.00

Rate History
1 change since Sep 14, 2026 · 14.40% → 10.90% ▼ 3.50 pts · high 14.40% / low 10.90%
7.40%12.65%17.90%Sep 14, 2026: 14.40% APRSep 21, 2026: 10.90% APRSep 14, 2026Oct 13, 2026
  • Sep 21, 202610.90%▼ from 14.40%
  • Sep 14, 202614.40%first recorded
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Signature / Personal LoanTerm: 13 - 36 Months
10.99%
▼
APR10.99%
Term13 - 36 Months
Last UpdatedNot available
Details

As Low As; APR* as low as

Rate History
1 change since Sep 12, 2026 · 10.49% → 10.99% ▲ 0.50 pts · high 10.99% / low 10.49%
9.99%10.74%11.49%Sep 12, 2026: 10.49% APROct 4, 2026: 10.99% APRSep 12, 2026Oct 13, 2026
  • Oct 4, 202610.99%▲ from 10.49%
  • Sep 12, 202610.49%first recorded
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Signature LoanTerm: 37-48 Months
11.00%
▼
APR11.00%
Term37-48 Months
Last UpdatedNot available
Details

As Low As; Signature Loans rates effective as of April 1, 2026

Rate History
No change since Sep 12, 2026 · 11.00% APR · checked 7 times
10.50%11.00%11.50%Sep 12, 2026: 11.00% APRSep 12, 2026Oct 13, 2026
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Signature / Personal LoanTerm: 37 - 48 Months
11.49%
▼
APR11.49%
Term37 - 48 Months
Last UpdatedNot available
Details

As Low As; APR* as low as

Rate History
1 change since Sep 12, 2026 · 10.99% → 11.49% ▲ 0.50 pts · high 11.49% / low 10.99%
10.49%11.24%11.99%Sep 12, 2026: 10.99% APROct 4, 2026: 11.49% APRSep 12, 2026Oct 13, 2026
  • Oct 4, 202611.49%▲ from 10.99%
  • Sep 12, 202610.99%first recorded
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Signature LoanTerm: 49-60 Months
11.75%
▼
APR11.75%
Term49-60 Months
Last UpdatedNot available
Details

As Low As; Signature Loans rates effective as of April 1, 2026

Rate History
No change since Sep 12, 2026 · 11.75% APR · checked 7 times
11.25%11.75%12.25%Sep 12, 2026: 11.75% APRSep 12, 2026Oct 13, 2026
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.54%
Signature / Personal LoanTerm: 49 - 60 Months
11.99%
▼
APR11.99%
Term49 - 60 Months
Last UpdatedNot available
Details

As Low As; APR* as low as; >$10,000

Rate History
1 change since Sep 12, 2026 · 11.00% → 11.99% ▲ 0.99 pts · high 11.99% / low 11.00%
10.01%11.50%12.98%Sep 12, 2026: 11.00% APROct 4, 2026: 11.99% APRSep 12, 2026Oct 13, 2026
  • Oct 4, 202611.99%▲ from 11.00%
  • Sep 12, 202611.00%first recorded
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
Personal/Signature LoansTerm: Flexible terms avail
11.99%
▼
APR11.99%
TermFlexible terms avail
Last UpdatedNot available
Details

Term: Flexible terms available; Annual Percentage Rate (APR) shown is for applicant with credit scores 735 or higher. Rates apply to new loans to Patriot. Example: $7,500 loan, monthly payment will be $249.07 for 36 months at 11.99%. Other rates and terms available. Rates may change without notice. All loans subject to credit approval. Rates effective as of September 2, 2026

Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 8 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
Cape Federal Credit Union
Institution Rating:
B4.1 ★Texas Ratio: 7.27%
Signature Loan
11.99%
▼
APR11.99%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 6 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
Signature LoansTerm: 60 months
12.00%
▼
APR12.00%
Term60 months
Last UpdatedNot available
Details

Published APR range: 12.00% - 18.00%.

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 8 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Signature Personal Loans to $15,000.00Term: Up to 60 months
12.00%
▼
APR12.00%
TermUp to 60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 6 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Signature LoansTerm: 60 months
12.00%
▼
APR12.00%
Term60 months
Last UpdatedNot available
Details

Loan Amount Eligibility is based on the fair issac credit score: 680-779

Rate History
No change since Sep 21, 2026 · 12.00% APR · checked 5 times
11.50%12.00%12.50%Sep 21, 2026: 12.00% APRSep 21, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature Loans to $15,000Term: 48 months
12.50%
▼
APR12.50%
Interest Rate12.50%
Term48 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 12.50% APR · checked 3 times
12.00%12.50%13.00%Oct 9, 2026: 12.50% APROct 9, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature Loans to $7,500Term: 48 months
12.50%
▼
APR12.50%
Interest Rate12.50%
Term48 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 12.50% APR · checked 3 times
12.00%12.50%13.00%Oct 9, 2026: 12.50% APROct 9, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Signature LoanTerm: 3 years
12.66%
▼
APR12.66%
Interest Rate11.99%
Term3 years
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 12.66% APR · checked 8 times
12.16%12.66%13.16%Sep 14, 2026: 12.66% APRSep 14, 2026Oct 13, 2026
Appalachian Power Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
Signature loansTerm: 48 Months
13.00%
▼
APR13.00%
Term48 Months
Last UpdatedNot available
Details

Signature loans available up to $5000.00

Rate History
No change since Oct 8, 2026 · 13.00% APR · checked 2 times
12.50%13.00%13.50%Oct 8, 2026: 13.00% APROct 8, 2026Oct 13, 2026
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Signature LoanTerm: 61-72 Months
13.00%
▼
APR13.00%
Term61-72 Months
Last UpdatedNot available
Details

As Low As; Signature Loans rates effective as of April 1, 2026

Rate History
No change since Sep 12, 2026 · 13.00% APR · checked 7 times
12.50%13.00%13.50%Sep 12, 2026: 13.00% APRSep 12, 2026Oct 13, 2026
Riverview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
Signature Loans to $15,000Term: 60 months
13.75%
▼
APR13.75%
Interest Rate13.75%
Term60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Oct 9, 2026 · 13.75% APR · checked 3 times
13.25%13.75%14.25%Oct 9, 2026: 13.75% APROct 9, 2026Oct 13, 2026
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Signature LoansTerm: 48 months
14.00%
▼
APR14.00%
Term48 months
Last UpdatedNot available
Details

Loan Amount Eligibility is based on the fair issac credit score: 630-679

Rate History
No change since Sep 21, 2026 · 14.00% APR · checked 5 times
13.50%14.00%14.50%Sep 21, 2026: 14.00% APRSep 21, 2026Oct 13, 2026
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Signature LoanTerm: 60 Months
14.40%
▼
APR14.40%
Term60 Months
Last UpdatedNot available
Details

Maximum Amount: $2,500.00

Rate History
1 change since Sep 14, 2026 · 15.50% → 14.40% ▼ 1.10 pts · high 15.50% / low 14.40%
13.30%14.95%16.60%Sep 14, 2026: 15.50% APRSep 21, 2026: 14.40% APRSep 14, 2026Oct 13, 2026
  • Sep 21, 202614.40%▼ from 15.50%
  • Sep 14, 202615.50%first recorded
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Signature LoanTerm: 60 Months
15.50%
▼
APR15.50%
Term60 Months
Last UpdatedNot available
Details

Maximum Amount: $500.00

Rate History
No change since Sep 14, 2026 · 15.50% APR · checked 6 times
15.00%15.50%16.00%Sep 14, 2026: 15.50% APRSep 14, 2026Oct 13, 2026
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Signature LoansTerm: 36 months
16.00%
▼
APR16.00%
Term36 months
Last UpdatedNot available
Details

Loan Amount Eligibility is based on the fair issac credit score: 530-629

Rate History
No change since Sep 21, 2026 · 16.00% APR · checked 5 times
15.50%16.00%16.50%Sep 21, 2026: 16.00% APRSep 21, 2026Oct 13, 2026
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Signature LoansTerm: 24 months
17.00%
▼
APR17.00%
Term24 months
Last UpdatedNot available
Details

Loan Amount Eligibility is based on the fair issac credit score: 529-500

Rate History
No change since Sep 21, 2026 · 17.00% APR · checked 5 times
16.50%17.00%17.50%Sep 21, 2026: 17.00% APRSep 21, 2026Oct 13, 2026
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
Express Signature LoanTerm: 12 months
17.37%
▼
APR17.37%
Term12 months
Last UpdatedNot available
Details

Annual Percentage Rate (APR) $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. Rates effective as of September 2, 2026. As low as

Rate History
No change since Sep 14, 2026 · 17.37% APR · checked 8 times
16.87%17.37%17.87%Sep 14, 2026: 17.37% APRSep 14, 2026Oct 13, 2026

Westover, WV Personal Loan Rate Trends

Compare local Westover, 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.

View Full West Virginia Personal Loan Trends
Personal Loan WV Avg
11.079%
▲ 0.114 vs 7 days ago

West Virginia personal loan rates rose 0.114 points over the past 7 days to 11.079% APR.

Signature Loan WV Avg
11.037%
▲ 0.251 vs 7 days ago

West Virginia signature loan rates rose 0.251 points over the past 7 days to 11.037% APR.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates

Westover, WV Personal Loan Rate Forecast, Next 12 Months

Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current West Virginia figures.

Current Personal Loan Avg
11.08%
APR, as of Oct 13, 2026
6-Month Forecast
11.16%
Fed hold assumed
12-Month Forecast
11.23%
Range: 10.88% to 11.43%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

What Would Your Monthly Payment Be?

Estimated monthly payments at the current WV average personal loan APR of 11.08%, across the terms lenders serving Westover, West Virginia most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.

Loan Amount 24 Months 36 Months 48 Months 60 Months
$5,000 $233.22/mo $163.88/mo $129.42/mo $108.91/mo
$10,000 $466.45/mo $327.76/mo $258.84/mo $217.82/mo
$15,000 $699.67/mo $491.64/mo $388.26/mo $326.73/mo
$25,000 $1,166.12/mo $819.41/mo $647.10/mo $544.55/mo
$35,000 $1,632.56/mo $1,147.17/mo $905.94/mo $762.37/mo

Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.

Powered byMonitorBankRates

Consolidating Credit Card Debt in Westover, West Virginia

Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the WV personal loan average versus a range of typical credit card APRs.

Repayment Option APR Monthly Payment Total Interest Interest Saved
Personal Loan (WV average) 11.08% $388.26 $3,636
Credit card at 18% APR 18.00% $440.62 $6,150 $2,514
Credit card at 22% APR 22.00% $472.59 $7,684 $4,048
Credit card at 26% APR 26.00% $505.76 $9,276 $5,640

The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.

How to Get the Best Personal Loan Rate in Westover, West Virginia

1

Prequalify With a Soft Credit Check

Most lenders serving Westover, West Virginia will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.

2

Compare APR, Not the Interest Rate

Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.

3

Check Local Credit Unions First

Credit unions consistently publish the lowest personal loan APRs in our West Virginia data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.

4

Borrow Only What You Need, for as Short a Term as You Can

Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.

A personal loan may not be the cheapest option for your situation

Westover, West Virginia Financial Snapshot

Local demographics and economic context for borrowers. Source: U.S. Census Bureau

$35,062
Median Individual Earnings
National avg: $47,340
2.9%
Unemployment Rate
National avg: 4.8%
12.6%
Poverty Rate
National avg: 11.1%
$388/mo
Payment on a $15K / 48-mo Loan
At the WV average 11.08% APR

A $388 monthly loan payment is roughly 13.3% of the median individual income in Westover, West Virginia. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.

Personal Loan vs. Other Ways to Borrow

A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Westover, West Virginia.

Feature Personal Loan Credit Card 0% Balance Transfer Home Equity Loan / HELOC
Typical APR Level ● Mid, fixed ✗ Highest, variable ✓ 0% for a promo window ✓ Usually lowest
Collateral Required ✓ None ✓ None ✓ None ✗ Your home is at risk
Payment Predictability ✓ Fixed payment and payoff date ✗ Revolving, can last indefinitely ● Rate jumps when promo ends ● Fixed for loans, variable for HELOCs
Speed to Funding ✓ Often 1 to 3 business days ✓ Immediate if you hold the card ● Card approval plus transfer time ✗ Weeks (appraisal and closing)
Upfront Costs ● Origination fee up to ~10% ✓ None ● Transfer fee, typically 3 to 5% ● Closing costs possible
Best For Consolidation and one-off costs, no collateral Small balances paid in full monthly Debt you can clear inside the promo window Large projects when you have equity and time

General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.

Personal Loan Payment Calculator

Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current WV average, or click any rate on the right to apply it instantly.

$
%
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Total Interest Paid$0
Total of All Payments$0
Origination Fee$0
Cash You Actually Receive$0
Total Cost of Borrowing$0

Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Westover, West Virginia 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 Westover, West Virginia 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 Westover, West Virginia. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in WV.

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.

Personal Loans for Bad Credit in Westover, West Virginia

A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.

Avg. personal loan APR we track: 11.02%Federal credit union cap: 18% APRCredit union PAL cap: 28% APR

Start With a Credit Union

Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.

Ask About a Payday Alternative Loan

Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.

Secure the Loan With Savings

A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.

Add a Cosigner or Co-borrower

A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.

Prequalify Before You Apply

Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.

Avoid Payday and Title Loans

The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.

See Personal Loans for Bad Credit

Frequently Asked Questions

What credit score do I need for a personal loan in West Virginia?

Most lenders in Westover, 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 Westover, 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 Westover, 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 Westover, West Virginia?

Credit unions in Westover, 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 is an origination fee on a personal loan?

An origination fee is a one-time charge some lenders deduct from your loan proceeds, commonly 1% to 10% of the amount borrowed. On a $15,000 loan a 5% fee means you receive $14,250 but still owe interest on the full $15,000. The fee is built into the APR but not the interest rate, so compare lenders serving Westover, West Virginia on APR. Many credit unions charge no origination fee at all.

Does checking personal loan rates hurt my credit score?

Prequalifying does not. Most lenders let you check an estimated rate with a soft credit inquiry that is invisible to other lenders and does not affect your score. Only a formal application triggers a hard inquiry. If you submit several full applications, group them within a short shopping window so credit scoring models treat them as one rate-shopping event.

Can I pay off a personal loan early?

Most personal loans from banks and credit unions serving Westover, West Virginia carry no prepayment penalty, so paying early reduces your total interest. Confirm before signing, because a small number of lenders charge a prepayment fee or use precomputed interest, which removes the benefit of paying ahead of schedule.

Can I get a personal loan with bad credit in Westover, West Virginia?

Yes. Credit unions, community banks, and some online lenders approve borrowers with fair or poor credit, often for smaller amounts or with a cosigner or collateral. A secured loan backed by your savings or a CD is the easiest approval and also helps rebuild your credit.

What is the maximum APR on a bad credit personal loan from a credit union?

Federal credit unions are limited to 18% APR on most loans through September 10, 2027. Payday alternative loans from federal credit unions are capped at 28% APR with an application fee of no more than $20. State chartered credit unions follow state law, and other lenders can charge much more, so always compare the APR.

What are the best personal loan rates in Westover, West Virginia?

  • Teamsters Local 697 Federal Credit Union: 4.50% (Sharesecured Loan)
  • Huntington C&O Railway Employees Federal Credit Union: 6.50% (Signature/Unsecured Loan)
  • Hancock School Employees Federal Credit Union: 7.00% (Debt Consolidation - 0-48 Months Loan)
  • Justice Federal Credit Union: 7.99% (Personal Loan)
  • Metro Community Federal Credit Union: 7.99% (Unsecured Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Westover, West Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 12, 2026.

Westover, West Virginia Rates & Resources