Personal Loans · Georgia
72 credit unions in Georgia report personal loan rates to the NCUA. Rates range from 4.50% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
72
CUs Reporting Rates
4.50%
Lowest Rate
12.18%
State Average Rate
47
Cities Covered
72 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | ON THE GRID FINANCIAL Atlanta | 4.50% | 9.00% |
| 2 | COOSA VALLEY Rome | 7.99% | — |
| 3 | VALDOSTA TEACHERS Valdosta | 8.00% | — |
| 4 | PLATINUM Duluth | 8.25% | 12.99% |
| 5 | SOUTHERN PINE Lake Park | 9.00% | — |
| 6 | GLYNN COUNTY FEDERAL EMPLOYEES BRUNSWICK | 9.07% | — |
| 7 | WALKER COUNTY EDUCATORS Chickamauga | 9.24% | — |
| 8 | WORKMEN'S CIRCLE INCORPORATED Savannah | 9.35% | — |
| 9 | MARSHLAND Brunswick | 9.49% | 9.90% |
| 10 | OMEGA PSI PHI FRATERNITY Toccoa | 9.50% | — |
| 11 | THE SOUTHERN Fayetteville | 9.62% | 10.23% |
| 12 | LOCOGA Valdosta | 9.73% | — |
| 13 | DELTA COMMUNITY Atlanta | 9.75% | 15.25% |
| 14 | GENUINE PARTS Norcross | 9.90% | — |
| 15 | ALTAMAHA Jesup | 9.99% | 8.99% |
| 16 | CREDIT UNION OF GEORGIA Woodstock | 9.99% | 14.55% |
| 17 | RIG EMPLOYEES Macon | 10.00% | — |
| 18 | FAITH CONNECTION Marietta | 10.03% | 8.90% |
| 19 | GEORGIA POWER VALDOSTA Valdosta | 10.08% | — |
| 20 | PEACH STATE Lawrenceville | 10.40% | 9.90% |
| 21 | ASSOCIATED CREDIT UNION NORCROSS | 10.60% | 9.75% |
| 22 | NORTH GEORGIA Toccoa | 10.90% | — |
| 23 | ARTESIAN Leesburg | 10.94% | — |
| 24 | LANIER Oakwood | 10.99% | 7.90% |
| 25 | E L C O Elberton | 11.00% | — |
| 26 | CREDIT UNION OF ATLANTA Atlanta | 11.00% | 6.95% |
| 27 | MACON-BIBB EMPLOYEES CREDIT UNION Macon | 11.11% | — |
| 28 | COFFEE COUNTY TEACHERS Douglas | 11.28% | — |
| 29 | GO ENERGY FINANCIAL TUCKER | 11.39% | — |
| 30 | WARE COUNTY SCHOOL EMPLOYEES WAYCROSS | 11.43% | — |
| 31 | MERCY Savannah | 11.47% | — |
| 32 | F A B CHURCH Savannah | 11.50% | — |
| 33 | LGE COMMUNITY Marietta | 11.51% | 15.51% |
| 34 | ROME KRAFT EMPLOYEES Coosa | 11.91% | — |
| 35 | GEORGIA UNITED DULUTH | 11.99% | 12.49% |
| 36 | NORTHSIDE ATLANTA | 12.00% | — |
| 37 | COWETA CITIES & COUNTY EMPLOYEES Newnan | 12.00% | — |
| 38 | SOUTHEASTERN Valdosta | 12.00% | 11.99% |
| 39 | ROBINS FINANCIAL Warner Robins | 12.07% | 13.83% |
| 40 | HARRIS EMPLOYEES Cordele | 12.12% | — |
| 41 | GEORGIA'S OWN Atlanta | 12.24% | 14.49% |
| 42 | THE WRIGHT Toccoa | 12.25% | — |
| 43 | CORE Statesboro | 12.31% | 10.42% |
| 44 | SAVANNAH SCHOOLS SAVANNAH | 12.46% | 14.10% |
| 45 | BERRIEN TEACHERS NASHVILLE | 12.64% | — |
| 46 | COMBINED EMPLOYEES WARNER ROBINS | 12.66% | — |
| 47 | INTERSTATE Jesup | 12.76% | 13.90% |
| 48 | UNITED NEIGHBORHOOD Augusta | 12.90% | — |
| 49 | GEORGIA HERITAGE SAVANNAH | 12.95% | 12.90% |
| 50 | MYGEORGIA Gainesville | 13.00% | 12.00% |
| 51 | CDC Atlanta | 13.72% | — |
| 52 | CENTER PARC Atlanta | 13.90% | — |
| 53 | MIDSOUTH COMMUNITY Macon | 14.00% | 15.00% |
| 54 | BEKA Lindale | 14.00% | — |
| 55 | COLQUITT COUNTY TEACHER Moultrie | 14.00% | — |
| 56 | H E A WARNER ROBINS | 14.00% | — |
| 57 | BROSNAN YARD MACON | 14.00% | — |
| 58 | KINETIC Columbus | 14.48% | 14.18% |
| 59 | CGR Macon | 14.57% | 12.61% |
| 60 | EXCEL Norcross | 14.90% | 9.00% |
| 61 | FLINT Reynolds | 15.00% | — |
| 62 | MACON FIREMEN'S MACON | 15.00% | — |
| 63 | B.O.N.D. COMMUNITY Atlanta | 15.28% | 15.64% |
| 64 | FAMILY FIRST HAPEVILLE | 15.49% | 11.01% |
| 65 | REGIONAL MEMBERS COLUMBUS | 15.70% | — |
| 66 | GEORGIA GUARD MACON | 16.00% | — |
| 67 | AFLAC COLUMBUS | 16.00% | — |
| 68 | STEPHENS COUNTY COMMUNITY TOCCOA | 16.00% | — |
| 69 | SAVANNAH POSTAL Savannah | 18.00% | 11.50% |
| 70 | MEMBERSFIRST Decatur | 18.00% | 8.99% |
| 71 | FLINT RIVER EMPLOYEES Oglethorpe | 18.00% | — |
| 72 | GEOVISTA Hinesville | 18.00% | 8.90% |
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.