Personal Loans · Springfield, Illinois
8 credit unions in Springfield report personal loan rates to the NCUA. Rates range from 11.00% to 14.75%.
Updated Q1 2026 · NCUA Call Report data
8
CUs Reporting Rates
11.00%
Lowest Rate
12.77%
City Average Rate
8 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | FINANCIAL PARTNERS ★ 5.0 · 2 reviews | 11.00% | 9.99% |
| 2 | ILLINOIS EDUCATORS ★ 4.3 · 43 reviews | 11.94% | 12.00% |
| 3 | SPRINGFIELD FIREFIGHTERS ★ 5.0 · 18 reviews | 12.00% | — |
| 4 | ILLINOIS STATE POLICE ★ 3.0 · 23 reviews | 12.64% | 12.65% |
| 5 | IMPERIAL ★ 5.0 · 1 reviews | 13.00% | — |
| 6 | HEARTLAND ★ 3.2 · 41 reviews | 13.14% | — |
| 7 | FUNERAL SERVICE | 13.66% | 10.11% |
| 8 | SPRINGFIELD CITY EMPLOYEES | 14.75% | 10.00% |
If you have high-rate credit card balances, a personal loan from a Springfield 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.