Personal Loans · Nevada
13 credit unions in Nevada report personal loan rates to the NCUA. Rates range from 7.97% to 14.00%.
Updated Q1 2026 · NCUA Call Report data
13
CUs Reporting Rates
7.97%
Lowest Rate
11.00%
State Average Rate
10
Cities Covered
13 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | CLARK COUNTY LAS VEGAS | 7.97% | 9.21% |
| 2 | BOULDER DAM BOULDER CITY | 8.00% | 13.00% |
| 3 | SIERRA PACIFIC RENO | 8.99% | 8.99% |
| 4 | CHURCHILL COUNTY FALLON | 9.09% | — |
| 5 | FINANCIAL HORIZONS HAWTHORNE | 9.80% | — |
| 6 | PAHRANAGAT VALLEY Alamo | 10.20% | — |
| 7 | SILVER STATE SCHOOLS Las Vegas | 10.34% | 13.25% |
| 8 | ONE NEVADA LAS VEGAS | 11.75% | 17.75% |
| 9 | WESTSTAR Las Vegas | 12.49% | 11.24% |
| 10 | ELKO ELKO | 12.91% | — |
| 11 | GREATER NEVADA CARSON CITY | 13.49% | — |
| 12 | PLUS Las Vegas | 14.00% | 16.75% |
| 13 | GREAT BASIN Reno | 14.00% | 11.25% |
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.