Personal Loans · Richmond, California
2 credit unions in Richmond report personal loan rates to the NCUA. Rates range from 12.97% to 13.94%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
12.97%
Lowest Rate
13.46%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | SUN PACIFIC ★ 4.1 · 9 reviews | 12.97% | 13.57% |
| 2 | ATCHISON VILLAGE ★ 4.1 · 9 reviews | 13.94% | — |
If you have high-rate credit card balances, a personal loan from a Richmond 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.