Personal Loans · Saint Louis, Missouri
13 credit unions in Saint Louis report personal loan rates to the NCUA. Rates range from 8.06% to 15.27%.
Updated Q1 2026 · NCUA Call Report data
13
CUs Reporting Rates
8.06%
Lowest Rate
11.58%
City Average Rate
13 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | PATRIOT ★ 4.6 · 18 reviews | 8.06% | — |
| 2 | MEMBERS 1ST ★ 4.8 · 29 reviews | 8.90% | — |
| 3 | LUTHERAN | 9.65% | 11.99% |
| 4 | HEALTH CARE FAMILY ★ 3.8 · 39 reviews | 9.66% | 9.43% |
| 5 | CENTURY ★ 4.6 · 240 reviews | 10.26% | 9.00% |
| 6 | TOGETHER ★ 3.7 · 303 reviews | 11.49% | 10.40% |
| 7 | CO - LIB | 12.00% | — |
| 8 | ST. LOUIS POLICEMEN`S ★ 4.0 · 8 reviews | 12.00% | — |
| 9 | FIRST MISSOURI ★ 4.0 · 58 reviews | 12.36% | 13.90% |
| 10 | GATEWAY METRO ★ 3.7 · 34 reviews | 12.90% | — |
| 11 | NEIGHBORS ★ 3.9 · 87 reviews | 12.99% | 13.45% |
| 12 | WEST SIDE BAPTIST CHURCH ★ 1.0 · 1 reviews | 15.00% | — |
| 13 | ST. LOUIS COMMUNITY ★ 2.7 · 196 reviews | 15.27% | 11.75% |
If you have high-rate credit card balances, a personal loan from a Saint Louis 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.