Personal Loans · Saint Joseph, Missouri
5 credit unions in Saint Joseph report personal loan rates to the NCUA. Rates range from 10.50% to 15.00%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
10.50%
Lowest Rate
12.55%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | STATIONERY ★ 3.6 · 23 reviews | 10.50% | — |
| 2 | POSTAL & COMMUNITY ★ 3.4 · 48 reviews | 11.25% | 11.75% |
| 3 | LOVERS LANE ★ 3.8 · 10 reviews | 12.00% | — |
| 4 | ST. JOSEPH TEACHERS' ★ 5.0 · 3 reviews | 14.01% | 13.90% |
| 5 | DISTRICT ONE HIGHWAY ★ 5.0 · 3 reviews | 15.00% | — |
If you have high-rate credit card balances, a personal loan from a Saint Joseph 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.