Personal Loans · Tampa, Florida
11 credit unions in Tampa report personal loan rates to the NCUA. Rates range from 9.00% to 14.00%.
Updated Q1 2026 · NCUA Call Report data
11
CUs Reporting Rates
9.00%
Lowest Rate
11.20%
City Average Rate
11 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | TAMPA BAY ★ 4.0 · 409 reviews | 9.00% | 16.25% |
| 2 | FLORIDACENTRAL ★ 4.2 · 133 reviews | 9.99% | 9.24% |
| 3 | USF FEDERAL CREDIT UNION ★ 4.8 · 351 reviews | 10.00% | 12.00% |
| 4 | FLORIDA CUSTOMS ★ 5.0 · 4 reviews | 10.00% | — |
| 5 | TRANSPORT ★ 4.0 · 21 reviews | 10.74% | — |
| 6 | TRAX ★ 4.2 · 309 reviews | 11.05% | 16.05% |
| 7 | TAMPA POSTAL ★ 3.5 · 24 reviews | 11.50% | 8.99% |
| 8 | SUNCOAST ★ 1.9 · 38 reviews | 11.75% | 17.00% |
| 9 | POWERNET ★ 4.6 · 27 reviews | 12.47% | 10.08% |
| 10 | GTE ★ 4.3 · 643 reviews | 12.74% | 10.49% |
| 11 | GROW FINANCIAL ★ 2.0 · 53 reviews | 14.00% | 12.49% |
If you have high-rate credit card balances, a personal loan from a Tampa 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.