Personal Loans · Santa Ana, California
4 credit unions in Santa Ana report personal loan rates to the NCUA. Rates range from 10.00% to 14.89%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
10.00%
Lowest Rate
13.38%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | SANTA ANA ★ 4.6 · 105 reviews | 10.00% | 8.95% |
| 2 | ORANGE COUNTY'S | 14.15% | 18.00% |
| 3 | SCHOOLSFIRST ★ 4.4 · 188 reviews | 14.49% | 13.25% |
| 4 | COMUNIDAD LATINA ★ 4.5 · 39 reviews | 14.89% | — |
If you have high-rate credit card balances, a personal loan from a Santa Ana 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.