Personal Loans · Ridgecrest, California
2 credit unions in Ridgecrest report personal loan rates to the NCUA. Rates range from 10.27% to 10.50%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
10.27%
Lowest Rate
10.39%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | DESERT VALLEYS ★ 4.9 · 329 reviews | 10.27% | 11.09% |
| 2 | ALTAONE ★ 2.9 · 53 reviews | 10.50% | 10.99% |
If you have high-rate credit card balances, a personal loan from a Ridgecrest 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.