Personal Loans · Colorado
60 credit unions in Colorado report personal loan rates to the NCUA. Rates range from 7.50% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
60
CUs Reporting Rates
7.50%
Lowest Rate
12.67%
State Average Rate
35
Cities Covered
60 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | MOFFAT COUNTY SCHOOLS Craig | 7.50% | — |
| 2 | ONE THIRTEEN Colorado Spring | 8.33% | 14.40% |
| 3 | SUNWEST Pueblo | 9.49% | 13.40% |
| 4 | DENVER FIRE DEPARTMENT Denver | 9.50% | 11.75% |
| 5 | GUADALUPE PARISH Antonito | 9.79% | — |
| 6 | FELLOWSHIP Lamar | 10.00% | 12.90% |
| 7 | CLEAN ENERGY Englewood | 10.07% | — |
| 8 | ON TAP Golden | 10.07% | 11.70% |
| 9 | WESTERRA Denver | 10.24% | 13.40% |
| 10 | PARTNER COLORADO Arvada | 10.24% | 16.33% |
| 11 | PUEBLO GOVERNMENT AGENCIES Pueblo | 10.30% | 9.75% |
| 12 | SCHOOL DISTRICT 3 Colorado Spring | 10.36% | 9.25% |
| 13 | THE DISTRICT Aurora | 10.74% | 8.90% |
| 14 | OPTIONS Littleton | 10.86% | 9.90% |
| 15 | POWER Pueblo | 10.99% | 10.24% |
| 16 | BELLCO GREENWOOD VILLA | 10.99% | 13.00% |
| 17 | ELEVATIONS Boulder | 10.99% | 15.49% |
| 18 | CO-NE JULESBURG | 11.00% | — |
| 19 | SPACE AGE Aurora | 11.00% | 10.00% |
| 20 | MINNEQUA WORKS Pueblo | 11.31% | 10.41% |
| 21 | COLORADO Littleton | 11.49% | 13.95% |
| 22 | FORT MORGAN SCHOOLS Fort Morgan | 11.50% | — |
| 23 | ELECTRICAL ARVADA | 11.55% | 9.72% |
| 24 | OLATHE Olathe | 11.64% | — |
| 25 | GRAND JUNCTION Grand Junction | 11.68% | 12.99% |
| 26 | NORTHERN COLORADO GREELEY | 11.90% | 11.49% |
| 27 | PIKES PEAK Colorado Spring | 11.91% | — |
| 28 | PEOPLES SPRINGFIELD | 11.97% | 11.79% |
| 29 | HOLYOKE COMMUNITY Holyoke | 12.00% | — |
| 30 | STAR TECH GREENWOOD VILLA | 12.00% | 11.99% |
| 31 | SAN JUAN MOUNTAINS Montrose | 12.05% | 9.90% |
| 32 | FITZSIMONS AURORA | 12.56% | 16.78% |
| 33 | FIDELIS CATHOLIC Arvada | 12.72% | 13.80% |
| 34 | RIO GRANDE Grand Junction | 12.87% | 10.74% |
| 35 | FOOTHILLS Wheat Ridge | 12.99% | 12.99% |
| 36 | VALLEY EDUCATORS Alamosa | 13.00% | — |
| 37 | RIO BLANCO SCHOOLS Rangely | 13.00% | 12.90% |
| 38 | WELD COMMUNITY Greeley | 13.11% | 12.48% |
| 39 | WESTMINSTER Westminster | 13.25% | — |
| 40 | AFFIDIAN Denver | 13.44% | 12.15% |
| 41 | DELTA COUNTY Delta | 13.75% | 14.25% |
| 42 | ARAPAHOE Littleton | 13.79% | 10.62% |
| 43 | SOOPER CU DBA CLIMB CU ARVADA | 13.97% | 11.00% |
| 44 | YUMA COUNTY YUMA | 14.00% | 12.90% |
| 45 | AIR ACADEMY Colorado Spring | 14.00% | 13.25% |
| 46 | MERITRUST Broomfield | 14.28% | 15.13% |
| 47 | METRUM COMMUNITY Centennial | 14.51% | 13.74% |
| 48 | CANVAS LONE TREE | 14.77% | 17.65% |
| 49 | CREDIT UNION OF THE ROCKIES Golden | 14.88% | 11.45% |
| 50 | CREDIT UNION OF COLORADO, A Denver | 14.94% | 12.25% |
| 51 | COLORAMO Grand Junction | 15.75% | 14.75% |
| 52 | COLUMBINE Centennial | 15.90% | 13.90% |
| 53 | STERLING STERLING | 16.00% | — |
| 54 | HORIZONS NORTH Westminster | 16.00% | 7.99% |
| 55 | NUVISTA Montrose | 16.00% | 11.90% |
| 56 | AURORA Aurora | 16.30% | 12.44% |
| 57 | CREDIT UNION OF DENVER LAKEWOOD | 17.50% | 10.74% |
| 58 | ENT Colorado Spring | 17.74% | 21.49% |
| 59 | DENVER COMMUNITY CU D.B.A. ZING CU Denver | 18.00% | 12.99% |
| 60 | RED ROCKS Littleton | 18.00% | 15.40% |
Personal loans from credit unions are commonly used for debt consolidation, home improvements, medical bills, or major purchases. Unlike auto loans, they're unsecured — no collateral required — which is why rates are slightly higher than car loans.
Yes. If you have credit card balances at 20–25% APR, replacing them with a credit union personal loan at a lower rate can save hundreds or thousands in interest. The key is to not run up the cards again after paying them off.
These rates come from NCUA Call Report (5300) filings — quarterly financial reports that all federally insured credit unions must submit. They reflect each CU's weighted-average rate on outstanding unsecured personal loans, not a minimum advertised rate.
A $10,000 balance at 24% APR paying $250/month costs ~$2,800 in interest. At 12% APR, the same payment saves over $1,500. Run the numbers before committing.
Many credit unions offer loans secured by your own savings at very low rates — useful for building or rebuilding credit history. Ask specifically if you're in credit-building mode.
See all credit unions by city, filter by rates, and check Google ratings.