Personal Loans · St Joseph, Missouri
1 credit union in St Joseph report personal loan rates to the NCUA. Lowest rate: 12.75%.
Updated Q1 2026 · NCUA Call Report data
1
CUs Reporting Rates
12.75%
Lowest Rate
12.75%
City Average Rate
1 credit union sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | GOETZ ★ 3.8 · 101 reviews | 12.75% | 17.99% |
If you have high-rate credit card balances, a personal loan from a St 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.