Personal Loans · Merced, California
2 credit unions in Merced report personal loan rates to the NCUA. Rates range from 10.79% to 12.75%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
10.79%
Lowest Rate
11.77%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | MERCO ★ 3.8 · 33 reviews | 10.79% | 9.99% |
| 2 | MERCED SCHOOL EMPLOYEES ★ 3.9 · 58 reviews | 12.75% | 10.75% |
If you have high-rate credit card balances, a personal loan from a Merced 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.