Personal Loans · Arkansas
48 credit unions in Arkansas report personal loan rates to the NCUA. Rates range from 7.90% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
48
CUs Reporting Rates
7.90%
Lowest Rate
12.42%
State Average Rate
28
Cities Covered
48 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | DILLARD'S LITTLE ROCK | 7.90% | 7.69% |
| 2 | PBA Pine Bluff | 8.25% | — |
| 3 | FORT SMITH TEACHERS FORT SMITH | 9.00% | — |
| 4 | USEM MENA Mena | 9.06% | — |
| 5 | LION EL DORADO | 9.08% | — |
| 6 | ARKANSAS Little Rock | 9.39% | 14.49% |
| 7 | SOUTHERN GAS LITTLE ROCK | 9.90% | — |
| 8 | PINE PINE BLUFF | 9.99% | 10.00% |
| 9 | ARKANSAS HEALTH CENTER BENTON | 10.15% | — |
| 10 | RIVER TOWN FORT SMITH | 10.44% | 11.90% |
| 11 | BAPTIST HEALTH Little Rock | 10.46% | — |
| 12 | UARK Fayetteville | 10.79% | — |
| 13 | ARKANSAS BEST Fort Smith | 11.00% | 8.15% |
| 14 | MIL-WAY Texarkana | 11.00% | 8.75% |
| 15 | RIVER VALLEY COMMUNITY Camden | 11.10% | — |
| 16 | ALCOA COMMUNITY Benton | 11.21% | 8.80% |
| 17 | ARKANSAS FARM BUREAU Little Rock | 11.50% | — |
| 18 | FAIRFIELD PINE BLUFF | 11.50% | 10.75% |
| 19 | ARKANSAS AM & N COLLEGE Pine Bluff | 11.53% | — |
| 20 | NORTHWEST ARKANSAS FAYETTEVILLE | 11.67% | 9.35% |
| 21 | FORT ROOTS NORTH LITTLE RO | 11.90% | — |
| 22 | UP North Little Ro | 12.04% | 9.74% |
| 23 | COTTON BELT PINE BLUFF | 12.04% | — |
| 24 | WHITE COUNTY SEARCY | 12.17% | — |
| 25 | ELECTRIC COOPERATIVES LITTLE ROCK | 12.35% | 13.90% |
| 26 | GARLAND COUNTY EDUCATORS HOT SPRINGS | 12.57% | — |
| 27 | TRUSERVICE COMMUNITY LITTLE ROCK | 12.60% | 10.32% |
| 28 | TIMBERLINE Crossett | 12.72% | — |
| 29 | PRIORITY Russellville | 12.77% | — |
| 30 | COOPERATIVE EXTENSION SERVICE LITTLE ROCK | 12.80% | 8.33% |
| 31 | PATTERSON ARKADELPHIA | 12.99% | 12.30% |
| 32 | VA HOSPITAL LITTLE ROCK | 13.50% | — |
| 33 | CLEARWAY Malvern | 13.70% | 9.94% |
| 34 | TWO RIVERS Arkadelphia | 13.90% | — |
| 35 | SUBIACO Subiaco | 14.17% | — |
| 36 | ARKANSAS TEACHERS LIttle Rock | 14.25% | — |
| 37 | SUCCESS BLYTHEVILLE | 14.27% | 9.95% |
| 38 | ARKANSAS SUPERIOR WARREN | 14.38% | — |
| 39 | TELCOE LITTLE ROCK | 14.74% | 13.99% |
| 40 | L R F D Little Rock | 14.90% | — |
| 41 | NORTH LITTLE ROCK EDUCATORS North Little Ro | 14.92% | — |
| 42 | ARKANSAS EDUCATION ASSOCIATION LITTLE ROCK | 14.95% | 12.99% |
| 43 | NATURAL STATE SEARCY | 15.00% | 12.90% |
| 44 | ARKANSAS KRAFT EMPLOYEES Morrilton | 15.00% | — |
| 45 | PEOPLE TRUST COMMUNITY Little Rock | 15.61% | — |
| 46 | HURRICANE CREEK BENTON | 16.00% | 11.90% |
| 47 | COMBINED HOT SPRINGS | 17.00% | — |
| 48 | U.P. EMPLOYEES NORTH LITTLE RO | 18.00% | — |
Personal loans from credit unions are commonly used for debt consolidation, home improvements, medical bills, or major purchases. Unlike auto loans, they're unsecured — no collateral required — which is why rates are slightly higher than car loans.
Yes. If you have credit card balances at 20–25% APR, replacing them with a credit union personal loan at a lower rate can save hundreds or thousands in interest. The key is to not run up the cards again after paying them off.
These rates come from NCUA Call Report (5300) filings — quarterly financial reports that all federally insured credit unions must submit. They reflect each CU's weighted-average rate on outstanding unsecured personal loans, not a minimum advertised rate.
A $10,000 balance at 24% APR paying $250/month costs ~$2,800 in interest. At 12% APR, the same payment saves over $1,500. Run the numbers before committing.
Many credit unions offer loans secured by your own savings at very low rates — useful for building or rebuilding credit history. Ask specifically if you're in credit-building mode.
See all credit unions by city, filter by rates, and check Google ratings.