Personal Loans · Austin, Texas
17 credit unions in Austin report personal loan rates to the NCUA. Rates range from 9.49% to 15.00%.
Updated Q1 2026 · NCUA Call Report data
17
CUs Reporting Rates
9.49%
Lowest Rate
12.09%
City Average Rate
17 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | A+ ★ 4.6 · 1,150 reviews | 9.49% | — |
| 2 | AUSTIN TELCO ★ 2.9 · 45 reviews | 9.90% | 9.90% |
| 3 | AUSTIN ★ 3.5 · 45 reviews | 9.90% | 9.90% |
| 4 | PECU ★ 4.9 · 225 reviews | 9.99% | 7.99% |
| 5 | GOVERNMENT EMPLOYEES ★ 4.1 · 18 reviews | 10.25% | 9.12% |
| 6 | TRAVIS COUNTY ★ 4.2 · 74 reviews | 10.73% | 12.84% |
| 7 | TEXAS HEALTH ★ 4.2 · 44 reviews | 11.14% | 11.90% |
| 8 | AMPLIFY ★ 3.9 · 229 reviews | 11.50% | — |
| 9 | CAPITOL ★ 4.0 · 41 reviews | 12.35% | 10.89% |
| 10 | VELOCITY ★ 3.8 · 385 reviews | 12.48% | 10.75% |
| 11 | UNITED HERITAGE ★ 3.8 · 72 reviews | 12.52% | — |
| 12 | VATAT | 13.51% | — |
| 13 | GREATER TEXAS ★ 4.4 · 135 reviews | 13.79% | 15.01% |
| 14 | UNIVERSITY ★ 4.3 · 61 reviews | 13.90% | 17.90% |
| 15 | TEXAS DPS ★ 4.0 · 46 reviews | 14.07% | 13.99% |
| 16 | STAR OF TEXAS ★ 4.5 · 120 reviews | 14.97% | 12.12% |
| 17 | LCRA ★ 4.6 · 10 reviews | 15.00% | 10.90% |
If you have high-rate credit card balances, a personal loan from a Austin 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.