Personal Loans · Sheffield, Alabama
2 credit unions in Sheffield report personal loan rates to the NCUA. Rates range from 12.43% to 14.00%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
12.43%
Lowest Rate
13.22%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | LISTERHILL ★ 3.4 · 21 reviews | 12.43% | 13.02% |
| 2 | ELECTRICAL WORKERS NO 558 ★ 4.0 · 4 reviews | 14.00% | — |
If you have high-rate credit card balances, a personal loan from a Sheffield 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.