Personal Loans · Oregon
47 credit unions in Oregon report personal loan rates to the NCUA. Rates range from 5.39% to 18.53%.
Updated Q1 2026 · NCUA Call Report data
47
CUs Reporting Rates
5.39%
Lowest Rate
12.10%
State Average Rate
27
Cities Covered
47 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | PACIFIC CASCADE EUGENE | 5.39% | — |
| 2 | FORRIT Clackamas | 7.25% | 11.95% |
| 3 | BENTON COUNTY SCHOOLS Corvallis | 8.66% | 13.89% |
| 4 | CASCADE COMMUNITY Roseburg | 8.84% | 10.22% |
| 5 | UNITUS COMMUNITY Tigard | 9.50% | 12.24% |
| 6 | UMATILLA COUNTY Pendleton | 9.76% | — |
| 7 | EMBOLD Oregon City | 9.87% | 15.03% |
| 8 | IBEW/SJ CASCADE Salem | 9.90% | 9.99% |
| 9 | TEAMSTERS COUNCIL #37 Portland | 9.99% | 9.99% |
| 10 | CASTPARTS EMPLOYEES Portland | 10.35% | 10.54% |
| 11 | OREGON STATE Corvallis | 10.50% | 10.25% |
| 12 | IBEW & UNITED WORKERS PORTLAND | 10.90% | 8.55% |
| 13 | SAGE Klamath Falls | 10.99% | 9.99% |
| 14 | MACHINISTS - BOILERMAKERS Gladstone | 11.00% | — |
| 15 | TRAILHEAD PORTLAND | 11.19% | 13.14% |
| 16 | GATEWAY Springfield | 11.31% | 9.90% |
| 17 | NORTHWEST ADVENTIST Portland | 11.49% | 12.90% |
| 18 | FIRST COMMUNITY Coquille | 11.49% | 13.50% |
| 19 | SUNSET PORTLAND | 11.50% | 9.90% |
| 20 | WAUNA Clatskanie | 11.74% | 14.90% |
| 21 | CENTRAL WILLAMETTE Albany | 11.75% | 10.24% |
| 22 | CONSOLIDATED PORTLAND | 11.96% | 9.95% |
| 23 | OREGONIANS Milwaukie | 11.99% | 9.89% |
| 24 | EWEB EMPLOYEES Eugene | 12.00% | 11.95% |
| 25 | ONPOINT COMMUNITY Portland | 12.00% | 13.50% |
| 26 | NW PREFERRED TIGARD | 12.21% | 10.75% |
| 27 | CUTTING EDGE Milwaukie | 12.47% | 10.92% |
| 28 | IRONWORKERS USA Portland | 12.50% | 10.61% |
| 29 | SOUTH COAST ILWU NORTH BEND | 12.63% | 10.90% |
| 30 | MID OREGON Bend | 12.98% | 11.17% |
| 31 | UNITED TRADES TUALATIN | 13.00% | 10.50% |
| 32 | OPC Durkee | 13.00% | — |
| 33 | NW PRIORITY Portland | 13.18% | 12.86% |
| 34 | ROGUE Medford | 13.25% | 13.00% |
| 35 | HERITAGE GROVE Salem | 13.31% | 14.69% |
| 36 | PACIFIC N W PORTLAND | 13.40% | 15.80% |
| 37 | POINT WEST Portland | 13.50% | 8.95% |
| 38 | VALLEY Salem | 13.89% | 13.50% |
| 39 | RIVERMARK COMMUNITY Oregon City | 13.90% | 11.90% |
| 40 | MARION AND POLK SCHOOLS Salem | 13.90% | 12.50% |
| 41 | INROADS Saint Helens | 14.00% | 18.00% |
| 42 | OREGON COMMUNITY Eugene | 14.49% | 13.49% |
| 43 | 44 NORTH Lebanon | 14.50% | 12.90% |
| 44 | SELCO COMMUNITY Springfield | 14.96% | 14.82% |
| 45 | EMERALD EMPIRE Springfield | 16.00% | — |
| 46 | OLD WEST JOHN DAY | 18.00% | 10.99% |
| 47 | RADIO CAB PORTLAND | 18.53% | — |
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.