Personal Loans · Charlotte, North Carolina
6 credit unions in Charlotte report personal loan rates to the NCUA. Rates range from 8.99% to 18.44%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
8.99%
Lowest Rate
13.14%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | BLUE FLAME ★ 4.5 · 21 reviews | 8.99% | 9.90% |
| 2 | CAROLINAS TELCO ★ 4.4 · 61 reviews | 9.46% | 14.68% |
| 3 | SKYLA ★ 3.8 · 143 reviews | 12.90% | 14.90% |
| 4 | CAROLINA COOPERATIVE ★ 3.4 · 27 reviews | 13.03% | 10.90% |
| 5 | NOVA ★ 3.3 · 86 reviews | 16.00% | 9.90% |
| 6 | CHARLOTTE FIRE DEPARTMENT ★ 4.4 · 7 reviews | 18.44% | 14.00% |
If you have high-rate credit card balances, a personal loan from a Charlotte 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.