Personal Loans · Sacramento, California
5 credit unions in Sacramento report personal loan rates to the NCUA. Rates range from 8.99% to 11.49%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
8.99%
Lowest Rate
10.04%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | SACRAMENTO ★ 3.9 · 27 reviews | 8.99% | 11.50% |
| 2 | FIRST U.S. COMMUNITY ★ 4.0 · 21 reviews | 8.99% | 14.90% |
| 3 | CAHP ★ 4.8 · 13 reviews | 10.18% | 14.31% |
| 4 | CALIFORNIA COMMUNITY ★ 3.2 · 16 reviews | 10.53% | 9.90% |
| 5 | THE GOLDEN 1 ★ 2.4 · 30 reviews | 11.49% | 16.49% |
If you have high-rate credit card balances, a personal loan from a Sacramento 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.