Personal Loans · Bay City, Michigan
4 credit unions in Bay City report personal loan rates to the NCUA. Rates range from 9.75% to 15.36%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
9.75%
Lowest Rate
12.27%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | UNITED BAY COMMUNITY ★ 3.7 · 47 reviews | 9.75% | 8.96% |
| 2 | SUNRISE FAMILY ★ 4.0 · 146 reviews | 9.99% | 8.99% |
| 3 | FINANCIALEDGE ★ 4.6 · 170 reviews | 13.97% | 10.12% |
| 4 | GREAT LAKES ★ 3.4 · 36 reviews | 15.36% | 12.60% |
If you have high-rate credit card balances, a personal loan from a Bay City 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.