Personal Loans · Muscle Shoals, Alabama
2 credit unions in Muscle Shoals report personal loan rates to the NCUA. Rates range from 13.50% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
13.50%
Lowest Rate
15.75%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | TVA COMMUNITY CREDIT UNION ★ 3.4 · 10 reviews | 13.50% | 9.95% |
| 2 | RAILWAY EMPLOYEES ★ 2.6 · 5 reviews | 18.00% | — |
If you have high-rate credit card balances, a personal loan from a Muscle Shoals credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.