Personal Loans · Louisiana
136 credit unions in Louisiana report personal loan rates to the NCUA. Rates range from 0.60% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
136
CUs Reporting Rates
0.60%
Lowest Rate
11.92%
State Average Rate
66
Cities Covered
136 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | AVENUE BAPTIST BROTHERHOOD Shreveport | 0.60% | — |
| 2 | RAPIDES ALEXANDRIA | 7.00% | 15.00% |
| 3 | CABOT EMPLOYEES FRANKLIN | 7.36% | — |
| 4 | RIVER REGION LUTCHER | 7.50% | — |
| 5 | EFCU FINANCIAL Baton Rouge | 8.00% | 11.00% |
| 6 | LIVINGSTON PARISH DENHAM SPRINGS | 8.00% | — |
| 7 | RIVERLAND NEW ORLEANS | 8.03% | 11.00% |
| 8 | CADDO PARISH TEACHERS SHREVEPORT | 8.15% | 8.99% |
| 9 | MONTELL Sulphur | 8.50% | — |
| 10 | LOUISIANA BAPTIST alexandria | 8.67% | — |
| 11 | VERMILION EMPLOYEES Abbeville | 8.74% | 7.00% |
| 12 | KRAFTMAN Bastrop | 8.90% | 9.90% |
| 13 | XAVIER UNIVERSITY New Orleans | 8.99% | — |
| 14 | ACCESS OF LOUISIANA Lake Charles | 9.20% | — |
| 15 | POST OFFICE EMPLOYEES' METAIRIE | 9.41% | 8.10% |
| 16 | FIRST STREET DERIDDER | 9.50% | — |
| 17 | BEAUREGARD SCHOOL EMPLOYEES DERIDDER | 9.50% | — |
| 18 | COGIC Lafayette | 9.54% | — |
| 19 | ALEXANDRIA T & P ALEXANDRIA | 9.54% | — |
| 20 | WESLA Shreveport | 9.64% | 12.90% |
| 21 | LOUISIANA CENTRAL HARAHAN | 9.69% | 7.99% |
| 22 | INSTEP New Orleans | 9.70% | 10.90% |
| 23 | CARTER SPRINGHILL | 9.75% | 8.80% |
| 24 | SHREVEPORT POLICE SHREVEPORT | 9.78% | — |
| 25 | PAN AMOCO METAIRIE | 9.87% | — |
| 26 | CUSA Covington | 9.90% | 9.90% |
| 27 | UNIVERSITY OF LOUISIANA Lafayette | 9.95% | 9.95% |
| 28 | TANGIPAHOA PARISH TEACHERS AMITE | 9.95% | — |
| 29 | STATE AGENCIES SHREVEPORT | 9.99% | 12.00% |
| 30 | LOUISIANA MACHINERY EMPLOYEES Monroe | 9.99% | — |
| 31 | OUACHITA VALLEY West Monroe | 9.99% | 8.99% |
| 32 | IMMACULATE HEART OF MARY Lafayette | 10.00% | — |
| 33 | P.H.I. Lafayette | 10.00% | 9.20% |
| 34 | G. C. A. LAKE CHARLES | 10.00% | — |
| 35 | UNION Farmerville | 10.00% | — |
| 36 | ANECA Shreveport | 10.00% | 8.42% |
| 37 | ACADIANA MEDICAL Lafayette | 10.00% | 9.50% |
| 38 | CENLA Alexandria | 10.00% | 10.00% |
| 39 | CALCASIEU TEACHERS AND EMPLOYEES Lake Charles | 10.28% | — |
| 40 | FORMATION Baton Rouge | 10.45% | 8.20% |
| 41 | ELECTRICAL WORKERS LOCAL 130 METAIRIE | 10.48% | — |
| 42 | 3RD DISTRICT HIGHWAY Lafayette | 10.50% | — |
| 43 | NODA SLIDELL | 10.51% | — |
| 44 | HEART OF LOUISIANA PINEVILLE | 10.52% | 8.69% |
| 45 | ZELLCO BOGALUSA | 10.54% | — |
| 46 | BAYOU BATON ROUGE | 10.61% | 12.25% |
| 47 | RAPIDES GENERAL HOSPITAL EMPL ALEXANDRIA | 10.63% | — |
| 48 | BATON ROUGE FIRE DEPARTMENT Baton Rouge | 10.65% | — |
| 49 | BOSSIER BOSSIER CITY | 10.67% | 9.69% |
| 50 | PROFESSIONAL FIRE FIGHTERS SHREVEPORT | 10.77% | — |
| 51 | S H P E GREENSBURG | 10.79% | — |
| 52 | C-F LA. DONALDSONVILLE | 10.83% | — |
| 53 | CENTRIC West Monroe | 10.87% | 11.67% |
| 54 | N.O. PORT COMMISSION EMPLOYEES New Orleans | 10.89% | — |
| 55 | NEIGHBORS BATON ROUGE | 10.99% | 10.99% |
| 56 | GEISMAR COMPLEX Geismar | 10.99% | 8.90% |
| 57 | NEW ORLEANS CLERK & CHECKERS METAIRIE | 11.00% | — |
| 58 | JUDICIAL & JUSTICE New Orleans | 11.00% | — |
| 59 | VALEX Alexandria | 11.08% | 9.90% |
| 60 | LOUISIANA CATHOLIC Shreveport | 11.12% | 12.23% |
| 61 | FLEUR-DE-LIS Metairie | 11.19% | 12.90% |
| 62 | ALEXANDRIA MUNICIPAL EMPLOYEES Alexandria | 11.24% | 9.90% |
| 63 | WYMAR GEISMAR | 11.25% | 12.99% |
| 64 | FELICIANA ZACHARY | 11.33% | 11.76% |
| 65 | COAST GUARD EMPLOYEES New Orleans | 11.41% | — |
| 66 | FIRST PIONEERS LAFAYETTE | 11.43% | 10.75% |
| 67 | BARKSDALE BARKSDALE AFB | 11.47% | 12.90% |
| 68 | LA CAPITOL Baton Rouge | 11.68% | 11.86% |
| 69 | MORGAN CITY MORGAN CITY | 11.77% | — |
| 70 | THE NEW ORLEANS FIREMEN'S Metairie | 11.83% | 10.47% |
| 71 | WASHINGTON EDUCATIONAL ASSOC FRANKLINTON | 11.87% | — |
| 72 | LA TERRE HOUMA | 11.88% | 11.90% |
| 73 | XPLORE Metairie | 11.95% | 14.30% |
| 74 | EAGLE LOUISIANA Baton Rouge | 11.95% | 9.25% |
| 75 | CALCASIEU PARISH EMPLOYEES Lake Charles | 11.98% | — |
| 76 | ENGAGE NATCHITOCHES | 11.98% | 13.40% |
| 77 | ST. BERNARD PARISH SCHOOL BOARD EMP CHALMETTE | 12.00% | — |
| 78 | NEW ORLEANS PUBLIC BELT RAILROAD NEW ORLEANS | 12.00% | — |
| 79 | EPIC Metairie | 12.00% | 6.99% |
| 80 | T E A Houma | 12.00% | — |
| 81 | JAMES WARD, JR. JENNINGS | 12.00% | — |
| 82 | OLD SPANISH TRAIL WESTLAKE | 12.00% | — |
| 83 | BATON ROUGE CITY PARISH EMP BATON ROUGE | 12.12% | 9.90% |
| 84 | BRECO Baton Rouge | 12.24% | 9.90% |
| 85 | MAPLE Lafayette | 12.25% | 7.90% |
| 86 | FEDERAL EMPLOYEES MONROE | 12.25% | — |
| 87 | ONPATH Metairie | 12.26% | 12.88% |
| 88 | SEWERAGE & WATER BOARD EMPLOYEES New Orleans | 12.50% | — |
| 89 | INTERNAL REVENUE New Orleans | 12.50% | — |
| 90 | 705 Lafayette | 12.57% | 7.90% |
| 91 | S T S P Lacombe | 12.65% | — |
| 92 | LES BATON ROUGE | 12.72% | 11.14% |
| 93 | BAYOU COMMUNITY Saint Gabriel | 12.72% | 16.99% |
| 94 | BARTON PLANT EMPLOYEES Luling | 12.81% | 9.99% |
| 95 | CSE Lake Charles | 12.81% | 2.99% |
| 96 | JEFFERSON PARISH EMPLOYEES HARAHAN | 12.87% | 10.45% |
| 97 | BATON ROUGE TELCO Baton Rouge | 12.98% | 8.21% |
| 98 | MERITUS LAFAYETTE | 12.99% | 8.01% |
| 99 | MUNICIPAL EMPLOYEES BOGALUSA | 13.00% | — |
| 100 | EAST BATON ROUGE TEACHERS Baton Rouge | 13.00% | — |
| 101 | DISTRICT 58 Chase | 13.00% | — |
| 102 | GP LOUISIANA ZACHARY | 13.04% | 8.83% |
| 103 | ACADIAN Lafayette | 13.16% | 9.20% |
| 104 | POST OFFICE EMPLOYEES Shreveport | 13.18% | 6.99% |
| 105 | SEVENFOLD West Monroe | 13.42% | 11.43% |
| 106 | WILLIS KNIGHTON SHREVEPORT | 13.50% | 9.90% |
| 107 | DAVISON EMPLOYEES SULPHUR | 13.63% | — |
| 108 | ASCENSION GONZALES | 13.65% | 17.99% |
| 109 | ESSENTIAL Baton Rouge | 13.90% | — |
| 110 | U B C SOUTHERN COUNCIL INDUSTRIA WO MINDEN | 13.96% | — |
| 111 | SABINE SCHOOL EMPLOYEES MANY | 14.00% | — |
| 112 | PELICAN Baton Rouge | 14.13% | 13.47% |
| 113 | TOTAL CHOICE Hahnville | 14.19% | 7.90% |
| 114 | SOUTHERN TEACHERS & PARENTS BATON ROUGE | 14.99% | 12.50% |
| 115 | IBERVILLE PLAQUEMINE | 15.00% | — |
| 116 | ARABI SUGAR WORKERS New Orleans | 15.00% | — |
| 117 | TULANE/LOYOLA New Orleans | 15.00% | 11.90% |
| 118 | UNO NEW ORLEANS | 15.00% | 9.50% |
| 119 | FOURTH WARD amite | 15.00% | — |
| 120 | NEW ORLEANS POLICE DEPARTMENT EMP. New Orleans | 15.00% | — |
| 121 | G G W New Orleans | 15.00% | — |
| 122 | SOUTHEAST LOUISIANA VETERANS HEALTH New Orleans | 16.00% | — |
| 123 | RICHLAND PARISH SCHOOLS Rayville | 16.00% | — |
| 124 | DISTRICT 62 HIGHWAY HAMMOND | 16.22% | — |
| 125 | DEPARTMENT OF CORRECTIONS Baton Rouge | 16.64% | 8.90% |
| 126 | ST. TAMMANY SLIDELL | 16.73% | 10.00% |
| 127 | DISTRICT 08 ALEXANDRIA | 16.78% | 13.90% |
| 128 | SOUTHWEST LOUISIANA Lake Charles | 16.95% | 7.99% |
| 129 | TEAMSTERS LOCAL UNION #270 NEW ORLEANS | 17.50% | — |
| 130 | CONCORDIA PARISH SCHOOL EMP FERRIDAY | 18.00% | — |
| 131 | IBERIA PARISH New Iberia | 18.00% | — |
| 132 | ORLEANS PARISH SHERIFF'S New Orleans | 18.00% | — |
| 133 | PEOPLE'S RAYNE | 18.00% | — |
| 134 | W B R T Port Allen | 18.00% | — |
| 135 | CAMPUS Baton Rouge | 18.00% | 16.25% |
| 136 | ST. MARY PARISH SCHOOL EMP. Franklin | 18.00% | — |
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.