Personal Loans · El Centro, California
2 credit unions in El Centro report personal loan rates to the NCUA. Rates range from 12.99% to 14.24%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
12.99%
Lowest Rate
13.62%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | SUN COMMUNITY ★ 4.2 · 98 reviews | 12.99% | 11.99% |
| 2 | CORAZO ★ 4.2 · 134 reviews | 14.24% | 9.99% |
If you have high-rate credit card balances, a personal loan from a El Centro 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.