Personal Loans · Salem, Oregon
4 credit unions in Salem report personal loan rates to the NCUA. Rates range from 9.90% to 13.90%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
9.90%
Lowest Rate
12.75%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | IBEW/SJ CASCADE ★ 4.8 · 10 reviews | 9.90% | 9.99% |
| 2 | HERITAGE GROVE ★ 3.8 · 57 reviews | 13.31% | 14.69% |
| 3 | VALLEY ★ 4.6 · 148 reviews | 13.89% | 13.50% |
| 4 | MARION AND POLK SCHOOLS ★ 3.8 · 76 reviews | 13.90% | 12.50% |
If you have high-rate credit card balances, a personal loan from a Salem 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.