Personal Loans · Houston, Texas
43 credit unions in Houston report personal loan rates to the NCUA. Rates range from 7.14% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
43
CUs Reporting Rates
7.14%
Lowest Rate
12.30%
City Average Rate
43 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | TEXAS DOW EMPLOYEES ★ 1.9 · 44 reviews | 7.14% | 13.49% |
| 2 | REED ★ 5.0 · 1 reviews | 8.00% | — |
| 3 | MEMBERSOURCE ★ 3.6 · 145 reviews | 8.47% | 8.99% |
| 4 | MEMBERS CHOICE ★ 4.3 · 423 reviews | 8.90% | 11.75% |
| 5 | JSC ★ 3.9 · 880 reviews | 8.99% | 7.90% |
| 6 | ST. LUKE'S COMMUNITY ★ 4.7 · 1,488 reviews | 9.00% | — |
| 7 | HOUSTON POLICE ★ 4.2 · 104 reviews | 9.14% | 7.99% |
| 8 | P.I.E. | 9.99% | 11.00% |
| 9 | TEXAS LEE | 10.00% | — |
| 10 | SOUTHERN ★ 4.5 · 47 reviews | 10.16% | 10.90% |
| 11 | PRIMEWAY ★ 4.8 · 91 reviews | 10.25% | — |
| 12 | OUR MOTHER OF MERCY PARISH HOUSTON ★ 3.0 · 2 reviews | 10.42% | — |
| 13 | MET TRAN | 10.74% | 9.90% |
| 14 | HOUSTON TEXAS FIRE FIGHTERS ★ 4.8 · 303 reviews | 10.95% | 7.15% |
| 15 | SOUTHERN STAR ★ 4.1 · 21 reviews | 11.50% | 9.90% |
| 16 | HARRIS COUNTY ★ 3.7 · 143 reviews | 11.55% | 8.90% |
| 17 | BCM ★ 3.7 · 21 reviews | 11.64% | 9.00% |
| 18 | EMPOWERMENT COMMUNITY DEVELOPMENT ★ 4.0 · 2 reviews | 11.78% | — |
| 19 | BP ★ 3.0 · 2 reviews | 11.89% | 14.98% |
| 20 | FIRST SERVICE ★ 4.3 · 204 reviews | 11.99% | 9.99% |
| 21 | LIGHT COMMERCE ★ 5.0 · 9 reviews | 12.07% | — |
| 22 | UNITED COMMUNITY ★ 4.5 · 187 reviews | 12.36% | 11.83% |
| 23 | PORT OF HOUSTON WAREHOUSE ★ 5.0 · 1 reviews | 12.44% | — |
| 24 | TEXAS BAY ★ 4.8 · 2,087 reviews | 12.46% | 15.72% |
| 25 | CY-FAIR ★ 3.8 · 207 reviews | 12.50% | 13.50% |
| 26 | MEMORIAL ★ 4.2 · 98 reviews | 12.62% | 14.37% |
| 27 | HOUSTON HIGHWAY ★ 4.0 · 72 reviews | 12.75% | 11.99% |
| 28 | ENERGY CAPITAL ★ 3.8 · 226 reviews | 12.75% | 14.49% |
| 29 | BAKER HUGHES ★ 2.5 · 16 reviews | 13.00% | 12.90% |
| 30 | PORT TERMINAL ★ 5.0 · 3 reviews | 13.09% | — |
| 31 | UNION FIDELITY ★ 4.5 · 25 reviews | 13.17% | 13.90% |
| 32 | OAK FARMS EMPLOYEES ★ 3.9 · 59 reviews | 13.22% | — |
| 33 | PRIORITY TRUST ★ 3.1 · 138 reviews | 13.47% | 16.02% |
| 34 | KBR HERITAGE ★ 3.3 · 9 reviews | 13.54% | 9.90% |
| 35 | BRENTWOOD BAPTIST CHURCH | 14.00% | — |
| 36 | MEMBERS TRUST OF THE SOUTHWEST ★ 4.8 · 51 reviews | 14.75% | 11.74% |
| 37 | SMART FINANCIAL ★ 4.6 · 279 reviews | 14.99% | — |
| 38 | FIRST COMMUNITY ★ 4.7 · 1,488 reviews | 14.99% | 13.99% |
| 39 | HERITAGE HUB ★ 4.3 · 6 reviews | 17.00% | — |
| 40 | SP TRAINMEN ★ 5.0 · 1 reviews | 17.10% | — |
| 41 | PILGRIM CUCC ★ 5.0 · 3 reviews | 18.00% | — |
| 42 | PORT OF HOUSTON ★ 4.6 · 9 reviews | 18.00% | — |
| 43 | BAYOU CITY ★ 1.8 · 43 reviews | 18.00% | 14.75% |
If you have high-rate credit card balances, a personal loan from a Houston 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.