Personal Loans · North Carolina
57 credit unions in North Carolina report personal loan rates to the NCUA. Rates range from 8.00% to 18.44%.
Updated Q1 2026 · NCUA Call Report data
57
CUs Reporting Rates
8.00%
Lowest Rate
12.43%
State Average Rate
36
Cities Covered
57 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | FIRST CAROLINA PEOPLE'S GOLDSBORO | 8.00% | 8.00% |
| 2 | HEALTHSHARE Greensboro | 8.24% | 12.50% |
| 3 | BLUE FLAME Charlotte | 8.99% | 9.90% |
| 4 | GREENSBORO GREENSBORO | 9.00% | — |
| 5 | FORT BRAGG Fayetteville | 9.00% | 11.90% |
| 6 | MOUNTAIN Waynesville | 9.01% | 13.41% |
| 7 | DUKE UNIVERSITY Durham | 9.25% | 9.90% |
| 8 | CAROLINAS TELCO Charlotte | 9.46% | 14.68% |
| 9 | COASTAL Raleigh | 9.49% | 10.92% |
| 10 | STATE EMPLOYEES' RALEIGH | 9.75% | 14.25% |
| 11 | ALLEGACY Winston Salem | 9.85% | 18.00% |
| 12 | ARCADE Asheville | 10.00% | — |
| 13 | WELCOME MORRISVILLE | 10.49% | 11.49% |
| 14 | VISION FINANCIAL Durham | 10.50% | 12.95% |
| 15 | FIRST FLIGHT CARY | 10.50% | — |
| 16 | NORTH CAROLINA COMMUNITY GOLDSBORO | 10.75% | 12.00% |
| 17 | CIVIC RALEIGH | 10.75% | 13.75% |
| 18 | TCP RURAL HALL | 10.90% | 14.25% |
| 19 | CHAMPION Canton | 11.00% | 10.00% |
| 20 | R T P RTP | 11.00% | 12.00% |
| 21 | PIEDMONT ADVANTAGE CREDIT UNION Winston Salem | 11.39% | — |
| 22 | NORTH CAROLINA PRESS ASSOCIATION RALEIGH | 11.50% | 11.25% |
| 23 | MARINE Jacksonville | 11.74% | 11.74% |
| 24 | ACCLAIM GREENSBORO | 11.84% | 12.23% |
| 25 | ELECTEL COOPERATIVE Raleigh | 12.00% | 9.90% |
| 26 | WEYCO COMMUNITY PLYMOUTH | 12.00% | 9.00% |
| 27 | LION'S SHARE Salisbury | 12.00% | 9.90% |
| 28 | OTEEN V. A. ASHEVILLE | 12.00% | 12.70% |
| 29 | MOUNT VERNON BAPTIST CHURCH Durham | 12.00% | — |
| 30 | REVITY Greensboro | 12.50% | 10.90% |
| 31 | LITHIUM BESSEMER CITY | 12.50% | 10.90% |
| 32 | EMERGENCY RESPONDERS Winston Salem | 12.51% | 11.00% |
| 33 | WNC COMMUNITY CU Waynesville | 12.55% | — |
| 34 | HSM HICKORY | 12.59% | 11.49% |
| 35 | GREATER KINSTON KINSTON | 12.75% | — |
| 36 | CAROLINA CHERRYVILLE | 12.75% | 13.50% |
| 37 | SKYLA Charlotte | 12.90% | 14.90% |
| 38 | BRAGG MUTUAL Fayetteville | 13.00% | 13.50% |
| 39 | CAROLINA COOPERATIVE Charlotte | 13.03% | 10.90% |
| 40 | GUCO Greenville | 13.30% | — |
| 41 | SHUFORD Hickory | 13.31% | 9.99% |
| 42 | MEMBERS WINSTON SALEM | 13.49% | — |
| 43 | TELCO TARBORO | 13.80% | 9.99% |
| 44 | SUMMIT Greensboro | 14.25% | 10.00% |
| 45 | MCDOWELL CORNERSTONE MARION | 14.99% | — |
| 46 | TELCO COMMUNITY CREDIT UNION Candler | 15.00% | 10.90% |
| 47 | ALLVAC SAVINGS AND MONROE | 15.00% | — |
| 48 | CS Catawba | 15.54% | 13.40% |
| 49 | AMERICAN PARTNERS Reidsville | 15.86% | 10.90% |
| 50 | SELF-HELP Durham | 16.00% | 13.25% |
| 51 | SELF-HELP DURHAM | 16.00% | 13.25% |
| 52 | LATINO COMMUNITY Durham | 16.00% | 16.00% |
| 53 | NOVA CHARLOTTE | 16.00% | 9.90% |
| 54 | TEXAS GULF CAROLINA EMP Aurora | 16.00% | — |
| 55 | INTERNAL REVENUE EMPLOYEES GREENSBORO | 18.00% | 13.00% |
| 56 | TRULIANT Winston Salem | 18.00% | 15.49% |
| 57 | CHARLOTTE FIRE DEPARTMENT Charlotte | 18.44% | 14.00% |
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.
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