Personal Loans · Missouri
88 credit unions in Missouri report personal loan rates to the NCUA. Rates range from 6.35% to 22.29%.
Updated Q1 2026 · NCUA Call Report data
88
CUs Reporting Rates
6.35%
Lowest Rate
12.14%
State Average Rate
47
Cities Covered
88 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | ALLIANCE Fenton | 6.35% | 9.90% |
| 2 | ALLTRU WENTZVILLE | 7.15% | 15.82% |
| 3 | PATRIOT Saint Louis | 8.06% | — |
| 4 | MISSOURI ELECTRIC COOPERATIVES EMPL Jefferson City | 8.75% | 8.00% |
| 5 | MEMBERS 1ST Saint Louis | 8.90% | — |
| 6 | OUR LADY OF SNOWS Henley | 9.00% | — |
| 7 | BLUESCOPE EMPLOYEES' KANSAS CITY | 9.00% | — |
| 8 | SOUTHEAST MISSOURI COMMUNITY Park Hills | 9.14% | — |
| 9 | OZARK Poplar Bluff | 9.26% | — |
| 10 | CONSERVATION EMPLOYEES Jefferson City | 9.47% | 8.91% |
| 11 | UNITED Mexico | 9.50% | 9.50% |
| 12 | LUTHERAN Saint Louis | 9.65% | 11.99% |
| 13 | HEALTH CARE FAMILY Saint Louis | 9.66% | 9.43% |
| 14 | CATHOLIC FAMILY Kansas City | 9.90% | — |
| 15 | MULTI-STATES SPRINGFIELD | 10.00% | 13.50% |
| 16 | ST. AUGUSTINE Kelso | 10.00% | — |
| 17 | CIVIC CENTRAL Jefferson City | 10.00% | 13.90% |
| 18 | MISSOURI BAPTIST Jefferson City | 10.24% | — |
| 19 | ST. LOUIS NEWSPAPER CARRIERS Fenton | 10.24% | — |
| 20 | CENTURY SAINT LOUIS | 10.26% | 9.00% |
| 21 | FIRST COMMUNITY Chesterfield | 10.45% | 9.90% |
| 22 | FEDCO Jefferson City | 10.50% | — |
| 23 | SUMMIT RIDGE LEES SUMMIT | 10.50% | 13.50% |
| 24 | STATIONERY Saint Joseph | 10.50% | — |
| 25 | RIVERWAYS Rolla | 10.54% | — |
| 26 | JOPLIN METRO JOPLIN | 10.64% | 11.99% |
| 27 | R G RAYMORE | 10.67% | 9.22% |
| 28 | DIVISION #6 HIGHWAY Chesterfield | 10.70% | 9.00% |
| 29 | GREAT PLAINS JOPLIN | 11.00% | — |
| 30 | ACADEMIC EMPLOYEES Columbia | 11.17% | 12.90% |
| 31 | COUNTY Clayton | 11.23% | 8.90% |
| 32 | INFUZE Fort Leonard Wo | 11.24% | 10.84% |
| 33 | EDUCATIONAL COMMUNITY Springfield | 11.25% | 9.40% |
| 34 | POSTAL & COMMUNITY Saint Joseph | 11.25% | 11.75% |
| 35 | WEST COMMUNITY O Fallon | 11.45% | 12.93% |
| 36 | TOGETHER Saint Louis | 11.49% | 10.40% |
| 37 | TELCOMM Springfield | 11.61% | 10.22% |
| 38 | DE SOTO MO PAC De Soto | 11.65% | — |
| 39 | VOLT Springfield | 11.74% | 9.90% |
| 40 | DEXTER PUBLIC SCHOOLS Dexter | 11.75% | — |
| 41 | K.C. AREA KANSAS CITY | 11.99% | — |
| 42 | LEADCO COMMUNITY Farmington | 12.00% | — |
| 43 | ST. LOUIS POLICEMEN`S saint louis | 12.00% | — |
| 44 | LOVERS LANE Saint Joseph | 12.00% | — |
| 45 | CSD KANSAS CITY | 12.00% | 12.49% |
| 46 | CO - LIB Saint Louis | 12.00% | — |
| 47 | CITY Independence | 12.07% | — |
| 48 | PUBLIC SAFETY Kansas City | 12.14% | 8.99% |
| 49 | COMMUNITY FIRST HANNIBAL | 12.19% | — |
| 50 | HORIZON Macon | 12.27% | 13.90% |
| 51 | FIRST MISSOURI Saint Louis | 12.36% | 13.90% |
| 52 | COLUMBIA Columbia | 12.40% | 11.99% |
| 53 | ARSENAL Arnold | 12.49% | 13.90% |
| 54 | RAYTOWN-LEE'S SUMMIT COMMUNITY RAYTOWN | 12.50% | 13.90% |
| 55 | SIKESTON PUBLIC SCHOOLS Sikeston | 12.55% | — |
| 56 | BLUCURRENT SPRINGFIELD | 12.69% | 11.10% |
| 57 | GOETZ ST JOSEPH | 12.75% | 17.99% |
| 58 | GATEWAY METRO Saint Louis | 12.90% | — |
| 59 | WEDEVELOPMENT Kansas City | 12.91% | — |
| 60 | NEIGHBORS Saint Louis | 12.99% | 13.45% |
| 61 | J C FEDERAL EMPLOYEES Jefferson City | 13.00% | — |
| 62 | HIGHWAY CROSSROADS Sikeston | 13.24% | — |
| 63 | SOUTH CENTRAL MISSOURI Willow Springs | 13.35% | — |
| 64 | SHELTER INSURANCE Columbia | 13.48% | — |
| 65 | METRO Springfield | 13.49% | 13.90% |
| 66 | NORTHWEST MISSOURI REGIONAL MARYVILLE | 13.60% | 13.99% |
| 67 | HIGHWAY ALLIANCE Jefferson city | 13.72% | 14.10% |
| 68 | MULTIPLI Jefferson City | 13.75% | 14.25% |
| 69 | ASSEMBLIES OF GOD Springfield | 13.77% | — |
| 70 | LEGACY Joplin | 13.83% | — |
| 71 | FOUNDATION Springfield | 13.93% | — |
| 72 | ST. JOSEPH TEACHERS' SAINT JOSEPH | 14.01% | 13.90% |
| 73 | UNITED CONSUMERS INDEPENDENCE | 14.25% | 13.49% |
| 74 | UNITED LABOR Raytown | 14.40% | 13.70% |
| 75 | KC UNIDOS Kansas City | 14.65% | — |
| 76 | VANTAGE Saint Charles | 14.66% | 13.49% |
| 77 | NORTHEAST REGIONAL HANNIBAL | 14.95% | — |
| 78 | BURLINGTON NORTHTOWN COMMUNITY North Kansas Ci | 15.00% | — |
| 79 | WEST SIDE BAPTIST CHURCH saint louis | 15.00% | — |
| 80 | DISTRICT ONE HIGHWAY SAINT JOSEPH | 15.00% | — |
| 81 | CENTRAL MISSOURI COMMUNITY WARRENSBURG | 15.25% | 10.25% |
| 82 | ST. LOUIS COMMUNITY Saint Louis | 15.27% | 11.75% |
| 83 | BOTHWELL HOSPITAL EMPLOYEES SEDALIA | 15.45% | — |
| 84 | MISSOURI CENTRAL Lees Summit | 15.65% | 13.99% |
| 85 | SHOW-ME Mexico | 15.75% | 13.00% |
| 86 | HOLY ROSARY KANSAS CITY | 16.73% | 18.40% |
| 87 | KANSAS CITY KANSAS CITY | 17.75% | 13.31% |
| 88 | INDEPENDENCE TEACHERS Independence | 22.29% | — |
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.