Personal Loans · Independence, Missouri
3 credit unions in Independence report personal loan rates to the NCUA. Rates range from 12.07% to 22.29%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
12.07%
Lowest Rate
16.20%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | CITY ★ 4.1 · 44 reviews | 12.07% | — |
| 2 | UNITED CONSUMERS ★ 3.6 · 192 reviews | 14.25% | 13.49% |
| 3 | INDEPENDENCE TEACHERS ★ 5.0 · 5 reviews | 22.29% | — |
If you have high-rate credit card balances, a personal loan from a Independence 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.