Personal Loans · Cincinnati, Ohio
16 credit unions in Cincinnati report personal loan rates to the NCUA. Rates range from 8.50% to 15.17%.
Updated Q1 2026 · NCUA Call Report data
16
CUs Reporting Rates
8.50%
Lowest Rate
11.73%
City Average Rate
16 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | DECA ★ 1.8 · 4 reviews | 8.50% | — |
| 2 | CINCINNATI INTERAGENCY ★ 4.5 · 8 reviews | 9.99% | 13.25% |
| 3 | HEEKIN CAN EMPL | 10.00% | — |
| 4 | TRUPARTNER ★ 3.5 · 69 reviews | 10.04% | 11.08% |
| 5 | SHAREFAX ★ 4.5 · 169 reviews | 10.25% | 11.49% |
| 6 | W T COMMUNITY ★ 3.9 · 15 reviews | 10.40% | — |
| 7 | MT ZION WOODLAWN ★ 4.9 · 13 reviews | 10.77% | — |
| 8 | GREATER CINCINNATI SCHOOL ★ 3.6 · 21 reviews | 10.90% | 13.90% |
| 9 | POSTAL FAMILY CREDIT UNION, INC. ★ 4.9 · 9 reviews | 12.40% | 9.90% |
| 10 | LOCAL UNION 392 ★ 4.2 · 9 reviews | 12.58% | — |
| 11 | CHILDREN'S MEDICAL CENTER ★ 3.1 · 13 reviews | 12.65% | 9.65% |
| 12 | CINCINNATI OHIO POLICE ★ 4.6 · 58 reviews | 12.80% | 9.00% |
| 13 | CINFED ★ 4.0 · 94 reviews | 12.99% | 14.40% |
| 14 | CINCINNATI HEALTHCARE ASSOCIATES ★ 4.5 · 11 reviews | 13.20% | 12.50% |
| 15 | U.P.S. ★ 5.0 · 4 reviews | 15.00% | — |
| 16 | ST. JAMES PARISH ★ 5.0 · 2 reviews | 15.17% | — |
If you have high-rate credit card balances, a personal loan from a Cincinnati 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.