Personal Loans · Kentucky
52 credit unions in Kentucky report personal loan rates to the NCUA. Rates range from 7.76% to 24.00%.
Updated Q1 2026 · NCUA Call Report data
52
CUs Reporting Rates
7.76%
Lowest Rate
12.09%
State Average Rate
29
Cities Covered
52 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | UNIVERSITY OF KENTUCKY Lexington | 7.76% | 13.69% |
| 2 | MOREHEAD COMMUNITY Morehead | 8.50% | — |
| 3 | SIGNET Paducah | 8.70% | 11.40% |
| 4 | NORTHERN KENTUCKY Highland Height | 8.75% | 8.99% |
| 5 | TAYCO EMPLOYEES South Shore | 9.00% | — |
| 6 | AUDUBON Owensboro | 9.20% | 10.90% |
| 7 | MEMBERS HERITAGE Lexington | 9.25% | 7.99% |
| 8 | C-PLANT PADUCAH | 9.32% | 10.49% |
| 9 | BEACON COMMUNITY Louisville | 9.47% | 10.80% |
| 10 | COVE Edgewood | 9.69% | 8.61% |
| 11 | LAKE CHEM COMMUNITY Benton | 9.89% | 14.00% |
| 12 | SERVICE ONE Bowling Green | 9.90% | 11.75% |
| 13 | AUTOTRUCK FINANCIAL Louisville | 9.99% | 10.75% |
| 14 | OWENSBORO Owensboro | 10.00% | 14.88% |
| 15 | WHITESVILLE COMMUNITY Whitesville | 10.00% | 8.99% |
| 16 | LEXINGTON POSTAL COMMUNITY Lexington | 10.00% | 8.75% |
| 17 | DAVIESS COUNTY TEACHERS Owensboro | 10.00% | 9.00% |
| 18 | YOUR HOMETOWN Mayfield | 10.58% | 14.90% |
| 19 | GREEN RIVER AREA OWENSBORO | 10.59% | — |
| 20 | OLD KENTUCKY HOME BARDSTOWN | 10.99% | 12.90% |
| 21 | METRO PLUS Lexington | 11.00% | 10.40% |
| 22 | KRAFTCOR Hawesville | 11.25% | 9.90% |
| 23 | COMMONWEALTH Frankfort | 11.49% | 14.65% |
| 24 | LABOR MANAGEMENT LEWISPORT | 11.50% | 7.99% |
| 25 | THE HEALTH & EDUCATION Lexington | 11.90% | 9.90% |
| 26 | ABOUND Radcliff | 11.99% | 13.75% |
| 27 | SHAWNEE TVA EMPLOYEES WEST PADUCAH | 12.00% | — |
| 28 | MSD LOUISVILLE | 12.00% | — |
| 29 | ADVANZ Louisville | 12.35% | 11.65% |
| 30 | LOUISVILLE GAS AND ELECTRIC COMPANY Louisville | 12.47% | 11.90% |
| 31 | BROWN-FORMAN EMPLOYEES LOUISVILLE | 12.50% | — |
| 32 | KUE Lexington | 12.52% | 9.90% |
| 33 | L & N Louisville | 12.86% | 12.69% |
| 34 | W B H EMPLOYEES Paducah | 12.94% | — |
| 35 | MAIN IMPACT Murray | 12.95% | — |
| 36 | KEMBA LOUISVILLE Louisville | 12.96% | — |
| 37 | ARH MIDDLESBORO | 13.00% | — |
| 38 | YOUNG COMMUNITY LOUISVILLE | 13.24% | — |
| 39 | GREATER KENTUCKY CU, INC. LEXINGTON | 13.41% | 0.44% |
| 40 | MEMBERS CHOICE ASHLAND | 13.49% | 8.99% |
| 41 | CORNING GLASS WORKS HARRODSBG Harrodsburg | 13.50% | — |
| 42 | BLUEGRASS COMMUNITY Ashland | 13.74% | — |
| 43 | TRANSCEND Louisville | 13.90% | 8.90% |
| 44 | F.C.I. ASHLAND Ashland | 13.99% | — |
| 45 | REGIONAL MEDICAL CTR HOPKINS CO EMP MADISONVILLE | 14.00% | — |
| 46 | DOE RUN BRANDENBURG | 14.00% | 10.99% |
| 47 | EXPREE Frankfort | 14.57% | 10.40% |
| 48 | ASHLAND ASHLAND | 15.70% | 13.24% |
| 49 | CLASS ACT Louisville | 16.75% | 12.75% |
| 50 | K I T Louisville | 17.30% | 10.90% |
| 51 | PARK Louisville | 18.00% | 14.24% |
| 52 | LOUISVILLE FEDERAL Louisville | 24.00% | — |
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.