Personal Loans · Raleigh, North Carolina
5 credit unions in Raleigh report personal loan rates to the NCUA. Rates range from 9.49% to 12.00%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
9.49%
Lowest Rate
10.70%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | COASTAL ★ 4.4 · 6,206 reviews | 9.49% | 10.92% |
| 2 | STATE EMPLOYEES' ★ 3.4 · 20 reviews | 9.75% | 14.25% |
| 3 | CIVIC ★ 1.5 · 302 reviews | 10.75% | 13.75% |
| 4 | NORTH CAROLINA PRESS ASSOCIATION ★ 3.0 · 2 reviews | 11.50% | 11.25% |
| 5 | ELECTEL COOPERATIVE ★ 2.7 · 7 reviews | 12.00% | 9.90% |
If you have high-rate credit card balances, a personal loan from a Raleigh 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.