Personal Loans · Santa Rosa, California
2 credit unions in Santa Rosa report personal loan rates to the NCUA. Rates range from 9.49% to 18.99%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
9.49%
Lowest Rate
14.24%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | REDWOOD ★ 3.9 · 101 reviews | 9.49% | 21.00% |
| 2 | COMMUNITY FIRST ★ 4.2 · 93 reviews | 18.99% | 11.49% |
If you have high-rate credit card balances, a personal loan from a Santa Rosa 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.