Personal Loans · Odessa, Texas
6 credit unions in Odessa report personal loan rates to the NCUA. Rates range from 9.90% to 14.15%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
9.90%
Lowest Rate
11.91%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | FIRST BASIN ★ 4.7 · 784 reviews | 9.90% | 9.90% |
| 2 | SOUTHWEST 66 ★ 3.2 · 40 reviews | 10.47% | 15.49% |
| 3 | WEST TEXAS ★ 3.7 · 6 reviews | 11.93% | 15.29% |
| 4 | COMPLEX COMMUNITY ★ 3.5 · 87 reviews | 11.95% | 6.90% |
| 5 | SOUTHWEST HERITAGE ★ 3.3 · 25 reviews | 13.05% | 14.14% |
| 6 | ODESSA EMPLOYEES ★ 5.0 · 3 reviews | 14.15% | 11.90% |
If you have high-rate credit card balances, a personal loan from a Odessa 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.