Personal Loans · Minnesota
78 credit unions in Minnesota report personal loan rates to the NCUA. Rates range from 7.49% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
78
CUs Reporting Rates
7.49%
Lowest Rate
11.84%
State Average Rate
58
Cities Covered
78 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | AFFINITY PLUS Saint Paul | 7.49% | 18.00% |
| 2 | PIPEFITTERS-STEAMFITTERS Woodbury | 7.75% | 14.25% |
| 3 | EMBARRASS VERMILLION Aurora | 9.31% | 9.90% |
| 4 | METROPOLITAN SERVICES SAINT PAUL | 9.49% | — |
| 5 | MINNESOTA POWER EMPLOYEES DULUTH | 9.64% | 8.55% |
| 6 | TWO HARBORS TWO HARBORS | 9.73% | 9.90% |
| 7 | DULUTH FIRE DEPARTMENT DULUTH | 9.99% | — |
| 8 | NORTH SHORE Silver Bay | 9.99% | 9.99% |
| 9 | SOUTHPOINT FINANCIAL SLEEPY EYE | 9.99% | 16.50% |
| 10 | BLAZE Falcon Heights | 9.99% | 17.15% |
| 11 | GREATER COMMUNITY Dawson | 10.00% | 6.90% |
| 12 | ELY AREA ELY | 10.00% | 10.90% |
| 13 | AUSTIN CITY EMPLOYEES Austin | 10.00% | 9.99% |
| 14 | DULUTH POLICE DEPARTMENT EMPLOYEES DULUTH | 10.09% | — |
| 15 | SOUTH METRO PRIOR LAKE | 10.23% | 13.95% |
| 16 | ST. CLOUD FINANCIAL Sartell | 10.24% | 9.99% |
| 17 | LATVIAN Minneapolis | 10.25% | — |
| 18 | VIRGINIA COOP Virginia | 10.49% | 9.99% |
| 19 | MINNCO Cambridge | 10.49% | 9.90% |
| 20 | ELECTRIC MACHINERY EMPLOYEES MINNEAPOLIS | 10.49% | 12.75% |
| 21 | CITY & COUNTY SAINT PAUL | 10.49% | 14.50% |
| 22 | CARPENTERS Saint Paul | 10.53% | 9.90% |
| 23 | FIRST ALLIANCE Rochester | 10.65% | 13.30% |
| 24 | MOWER COUNTY CATHOLIC PARISHES Austin | 10.66% | — |
| 25 | ALEXANDRIA SCHOOLS EMPLOYEES Alexandria | 10.88% | — |
| 26 | MOWER COUNTY EMPLOYEES Austin | 10.97% | — |
| 27 | BRAINERD B. N. Brainerd | 11.00% | — |
| 28 | MEMBERS COOPERATIVE DULUTH | 11.04% | 13.75% |
| 29 | HARBOR POINTE DULUTH | 11.23% | 14.25% |
| 30 | ASSOCIATED HEALTHCARE Woodbury | 11.27% | 12.49% |
| 31 | ACCENTRA AUSTIN | 11.40% | 15.90% |
| 32 | LEADING EDGE Worthington | 11.48% | 15.00% |
| 33 | SHAREPOINT Bloomington | 11.49% | 11.65% |
| 34 | TRADES & LABOR ALBERT LEA | 11.50% | 8.96% |
| 35 | NSP Maplewood | 11.50% | 7.90% |
| 36 | WAKOTA South St Paul | 11.50% | — |
| 37 | BUILDING TRADES MAPLE GROVE | 11.68% | 14.50% |
| 38 | FEDERATED EMPLOYEES OWATONNA | 11.79% | — |
| 39 | MAYO EMPLOYEES ROCHESTER | 11.90% | 10.75% |
| 40 | RED LAKE CO OP Red Lake Falls | 11.90% | — |
| 41 | HEARTLAND Inver Grove Hei | 11.99% | 11.90% |
| 42 | NORTH STAR COOK | 12.00% | 14.00% |
| 43 | CROW WING POWER Brainerd | 12.00% | — |
| 44 | HIBBING COOPERATIVE Hibbing | 12.00% | 12.90% |
| 45 | TOPLINE FINANCIAL Maple Grove | 12.08% | 13.24% |
| 46 | WEST METRO SCHOOLS Hopkins | 12.17% | 11.00% |
| 47 | HOME TOWN Owatonna | 12.22% | 10.90% |
| 48 | CO-OP CREDIT UNION OF MONTEVIDEO Montevideo | 12.25% | 18.00% |
| 49 | FARM CREDIT EMPLOYEES Saint Paul | 12.50% | — |
| 50 | NOVATION OAKDALE | 12.50% | 11.24% |
| 51 | ST. PAUL Saint Paul | 12.50% | 10.90% |
| 52 | CATHOLIC UNITED FINANCIAL SAINT PAUL | 12.50% | — |
| 53 | DANFOSS EMPLOYEES Plymouth | 12.50% | — |
| 54 | SHARE ADVANTAGE Duluth | 12.59% | 19.29% |
| 55 | MINNESOTA CATHOLIC Little Canada | 12.83% | 10.68% |
| 56 | MID MINNESOTA Baxter | 12.84% | 10.99% |
| 57 | TRUSTONE FINANCIAL Plymouth | 12.87% | 13.40% |
| 58 | FIRST PACE West St Paul | 12.89% | — |
| 59 | MINNESOTA VALLEY Mankato | 12.90% | 11.24% |
| 60 | NORTHWOODS Cloquet | 12.91% | 10.51% |
| 61 | SMW FINANCIAL LINO LAKES | 12.99% | 12.99% |
| 62 | NORTH MEMORIAL ROBBINSDALE | 12.99% | 9.90% |
| 63 | EXPEDITION Mendota Heights | 12.99% | 12.65% |
| 64 | RIVERVIEW SOUTH SAINT PAU | 13.00% | — |
| 65 | MAGNIFI FINANCIAL MELROSE | 13.00% | 16.50% |
| 66 | TORO EMPLOYEES Bloomington | 13.02% | — |
| 67 | NORTHERN COMMUNITIES DULUTH | 13.13% | 11.13% |
| 68 | TRANSIT OPERATIONS MINNEAPOLIS | 13.50% | — |
| 69 | RED WING Red Wing | 13.51% | 10.93% |
| 70 | UNITED EMPLOYEES ALBERT LEA | 13.90% | 13.90% |
| 71 | DEER RIVER COOPERATIVE DEER RIVER | 14.00% | 9.90% |
| 72 | FAIRMONT SCHOOL EMPLOYEES FAIRMONT | 14.50% | — |
| 73 | TEAMSTERS Blaine | 14.71% | — |
| 74 | CENTRICITY HERMANTOWN | 14.99% | — |
| 75 | ZIEGLER BLOOMINGTON | 15.00% | — |
| 76 | MY BLOOMINGTON | 15.00% | 9.90% |
| 77 | NORTHRIDGE COMMUNITY Virginia | 16.00% | 17.50% |
| 78 | TRUSTAR INTERNATIONAL F | 18.00% | 14.25% |
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.
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