Personal Loans · Indiana
124 credit unions in Indiana report personal loan rates to the NCUA. Rates range from 4.00% to 25.00%.
Updated Q1 2026 · NCUA Call Report data
124
CUs Reporting Rates
4.00%
Lowest Rate
11.98%
State Average Rate
74
Cities Covered
124 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | HOBART IND SCHOOL EMPLOYEES HOBART | 4.00% | — |
| 2 | MADISON COUNTY Anderson | 6.18% | 12.58% |
| 3 | WHITING REFINERY Whiting | 7.00% | — |
| 4 | FINANCIAL PARTNERS Woodburn | 7.60% | 11.50% |
| 5 | INDIANA LAKES Warsaw | 7.90% | 17.90% |
| 6 | A H E PLANT 3 WINCHESTER | 8.00% | — |
| 7 | FORTRESS Marion | 8.00% | 9.90% |
| 8 | WAYNE COUNTY Richmond | 8.00% | 9.00% |
| 9 | LAKES Monticello | 8.99% | — |
| 10 | HOWARD COUNTY SCHOOL EM Kokomo | 9.00% | — |
| 11 | JEFFERSON COMMUNITY Madison | 9.05% | 11.99% |
| 12 | COMMUNITY SPIRIT CREDIT UNION Lawrenceburg | 9.37% | 12.90% |
| 13 | FIRST COUNTY MUNCIE | 9.49% | 12.90% |
| 14 | NORTHERN INDIANA Merrillville | 9.50% | — |
| 15 | DEL MET MUNCIE | 9.50% | 11.90% |
| 16 | HARVESTER FINANCIAL Indianapolis | 9.50% | 14.15% |
| 17 | SOUTH BEND FIREFIGHTERS SOUTH BEND | 9.55% | 11.90% |
| 18 | HAYNES COMMUNITY Kokomo | 9.58% | 11.24% |
| 19 | CHIPHONE ELKHART | 9.60% | 11.90% |
| 20 | WEATHERHEAD C C Columbia City | 9.67% | 11.90% |
| 21 | ONE VISION Clarksville | 9.74% | 10.90% |
| 22 | INDEPENDENT Anderson | 9.75% | — |
| 23 | EVANSVILLE Evansville | 9.80% | 9.90% |
| 24 | LAMPCO ANDERSON | 9.86% | — |
| 25 | FO ME BO CO Wabash | 10.00% | — |
| 26 | CITY OF FIRSTS COMMUNITY Kokomo | 10.00% | 12.50% |
| 27 | SOLIDARITY COMMUNITY Kokomo | 10.00% | — |
| 28 | EASTERN INDIANA NEW CASTLE | 10.25% | 13.50% |
| 29 | MEMBERS SOURCE Merrillville | 10.44% | 14.45% |
| 30 | PARTNERS 1ST Fort Wayne | 10.49% | 12.49% |
| 31 | INDIANA STATE UNIVERSITY Terre Haute | 10.50% | — |
| 32 | PRIMETRUST FINANCIAL MUNCIE | 10.51% | 11.26% |
| 33 | ELEMENTS FINANCIAL INDIANAPOLIS | 10.61% | 15.51% |
| 34 | VIA CREDIT UNION Marion | 10.63% | 11.90% |
| 35 | RICHMOND LIGHT EMPLOYEES Richmond | 10.64% | — |
| 36 | RIVERSIDE COMMUNITY Marion | 10.66% | 9.62% |
| 37 | FORUM INDIANAPOLIS | 10.74% | 10.74% |
| 38 | PROFINANCE Merrillville | 10.75% | 13.50% |
| 39 | EVERWISE South Bend | 10.75% | 12.75% |
| 40 | STERLING UNITED EVANSVILLE | 10.75% | 12.00% |
| 41 | FINANS Hammond | 10.75% | 13.50% |
| 42 | FINANCIAL BUILDERS Kokomo | 10.80% | 9.71% |
| 43 | FIRST TRUST Michigan City | 10.95% | — |
| 44 | PROFED Fort Wayne | 10.99% | 12.49% |
| 45 | ALLEGIUS Burns Harbor | 10.99% | 9.95% |
| 46 | EVANSVILLE FIREFIGHTERS EVANSVILLE | 11.00% | 12.99% |
| 47 | DUBOIS-PIKE JASPER | 11.00% | 12.38% |
| 48 | FIRE POLICE CITY COUNTY FORT WAYNE | 11.06% | 12.42% |
| 49 | FINANCIAL CENTER FIRST Indianapolis | 11.12% | 13.50% |
| 50 | URBAN BEGINNINGS CHOICE Fort Wayne | 11.12% | — |
| 51 | HOOSIER HILLS Bedford | 11.15% | 9.90% |
| 52 | MIDWEST AMERICA Fort Wayne | 11.15% | — |
| 53 | GESB SHEET METAL WORKERS PORTAGE | 11.18% | — |
| 54 | THRIVE MUNCIE | 11.25% | 11.90% |
| 55 | CRANE ODON | 11.25% | 12.55% |
| 56 | BAR-CONS Columbus | 11.31% | 9.90% |
| 57 | DIAMOND VALLEY Evansville | 11.35% | 13.80% |
| 58 | T H P Terre Haute | 11.37% | — |
| 59 | PURDUE WEST LAFAYETTE | 11.40% | 15.50% |
| 60 | INDIANA UNIVERSITY BLOOMINGTON | 11.50% | 17.75% |
| 61 | NOTRE DAME Notre Dame | 11.53% | 13.78% |
| 62 | INDIANA HEARTLAND KOKOMO | 11.63% | 13.56% |
| 63 | ENERGY PLUS Indianapolis | 11.80% | 11.00% |
| 64 | POWER ONE Fort Wayne | 11.99% | 6.90% |
| 65 | TIPPECANOE lafayette | 11.99% | 10.90% |
| 66 | COMMUNITY LINK HUNTINGTON | 12.00% | 18.00% |
| 67 | VIGO COUNTY Terre Haute | 12.00% | 9.90% |
| 68 | U S #1364 MERRILLVILLE | 12.00% | — |
| 69 | CONCORA WABASH WABASH | 12.00% | — |
| 70 | SOUTH BEND TRANSIT South Bend | 12.00% | — |
| 71 | GRAND HERITAGE LAPORTE | 12.00% | 9.95% |
| 72 | COMMUNITYWIDE South Bend | 12.00% | 15.00% |
| 73 | TLCU FINANCIAL MISHAWAKA | 12.00% | 11.00% |
| 74 | PROFESSIONAL POLICE OFFICERS Indianapolis | 12.00% | 11.90% |
| 75 | HAMMOND FIREFIGHTERS ASSN. Hammond | 12.00% | — |
| 76 | HOOSIER UNITED Indianapolis | 12.00% | 10.90% |
| 77 | CROSSROADS FINANCIAL Portland | 12.03% | 9.48% |
| 78 | LIBERTY Evansville | 12.09% | 9.75% |
| 79 | LOCAL 697 MERRILLVILLE | 12.20% | — |
| 80 | PUBLIC SERVICE #3 Fort Wayne | 12.24% | 11.80% |
| 81 | PERFECT CIRCLE Hagerstown | 12.47% | 15.43% |
| 82 | ADVANTAGEPLUS OF INDIANA Terre Haute | 12.72% | 15.90% |
| 83 | ENCOMPASS Tipton | 12.72% | 10.50% |
| 84 | DIVERSIFIED GENERAL Logansport | 12.79% | — |
| 85 | ADVANCE FINANCIAL Schererville | 12.87% | — |
| 86 | MT ZION INDIANAPOLIS Indianapolis | 13.00% | — |
| 87 | CENTRAL SOYA Decatur | 13.00% | 10.90% |
| 88 | POLICEMEN'S South Bend | 13.12% | 10.23% |
| 89 | INDUSTRIAL Lafayette | 13.15% | 10.91% |
| 90 | H A L E Indianapolis | 13.16% | — |
| 91 | FORT FINANCIAL Fort Wayne | 13.23% | 8.72% |
| 92 | HEALTH CARE PROFESSIONALS Richmond | 13.27% | 12.22% |
| 93 | GREAT HORIZONS Munster | 13.40% | 12.75% |
| 94 | GENERATIONS LA PORTE | 13.50% | 12.90% |
| 95 | NATCO RICHMOND | 13.56% | 15.33% |
| 96 | FAMILY HORIZONS Indianapolis | 13.65% | 8.55% |
| 97 | REGIONAL Winfield | 13.80% | 10.90% |
| 98 | PUBLIC SERVICE EDWARDSPT PL E Linton | 13.91% | — |
| 99 | LA PORTE COMMUNITY La Porte | 13.95% | 8.49% |
| 100 | WESTERN INDIANA CREDIT UNION Sullivan | 14.00% | — |
| 101 | MARTIN COUNTY COOPERATIVE loogootee | 14.04% | — |
| 102 | TECH Crown Point | 14.17% | — |
| 103 | BUSINESS AND INDUSTRIAL Columbus | 14.20% | 13.75% |
| 104 | INOVA Elkhart | 14.49% | 17.99% |
| 105 | BEACON Wabash | 14.50% | — |
| 106 | INTERRA Goshen | 14.66% | 12.41% |
| 107 | HOMETOWN Peru | 14.86% | 11.50% |
| 108 | VULCRAFT EMPLOYEES ST JOE | 14.99% | — |
| 109 | MEMBERS ADVANTAGE MICHIGAN CITY | 14.99% | — |
| 110 | FIREFIGHTERS Indianapolis | 15.00% | 8.90% |
| 111 | CLIFTY CREEK EMPLOYEES Madison | 15.00% | — |
| 112 | BATTERY EMPLOYEES Attica | 15.00% | — |
| 113 | GARY FIREFIGHTERS ASSOCIATION Gary | 15.00% | — |
| 114 | GARY MUNICIPAL EMPLOYEES Gary | 15.00% | — |
| 115 | JACKSON COUNTY CO-OP SEYMOUR | 15.00% | — |
| 116 | HERITAGE Newburgh | 15.00% | 11.75% |
| 117 | GARY POLICE DEPARTMENT EMPLOYEES GARY | 15.00% | — |
| 118 | MIDWEST FAMILY PORTAGE | 15.76% | 11.50% |
| 119 | THREE RIVERS FORT WAYNE | 16.00% | 18.00% |
| 120 | FINANCIAL HEALTH Indianapolis | 17.00% | 11.50% |
| 121 | AFENA Marion | 17.99% | 17.99% |
| 122 | CENTRA COLUMBUS | 18.00% | 12.49% |
| 123 | KEMBA INDIANAPOLIS Indianapolis | 20.65% | 14.25% |
| 124 | INDIANA MEMBERS Indianapolis | 25.00% | 13.49% |
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.