Personal Loans · Wisconsin
98 credit unions in Wisconsin report personal loan rates to the NCUA. Rates range from 7.73% to 21.54%.
Updated Q1 2026 · NCUA Call Report data
98
CUs Reporting Rates
7.73%
Lowest Rate
12.23%
State Average Rate
67
Cities Covered
98 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | HOLY FAMILY MEMORIAL Manitowoc | 7.73% | — |
| 2 | SERVICE Green Bay | 7.99% | — |
| 3 | POLICE SHEBOYGAN | 8.50% | — |
| 4 | WISCONSIN LATVIAN, INC. Milwaukee | 8.50% | — |
| 5 | TEACHERS Beloit | 8.99% | 10.25% |
| 6 | TOMAH AREA Tomah | 9.38% | 9.00% |
| 7 | RACINE MUNICIPAL EMPLOYEES Racine | 9.40% | 10.90% |
| 8 | OAKDALE Oakdale | 9.50% | 9.25% |
| 9 | N.E.W. Oconto Falls | 9.50% | 12.65% |
| 10 | PREMIER FINANCIAL New Holstein | 9.50% | 16.57% |
| 11 | M.E. EMPLOYEES WAUSAU | 9.62% | 8.90% |
| 12 | VALLEY COMMUNITIES Mosinee | 9.74% | 11.90% |
| 13 | CENTRAL WISCONSIN Plover | 9.75% | 9.99% |
| 14 | MARSHFIELD MEDICAL CENTER Marshfield | 9.80% | — |
| 15 | SENTRY Stevens Point | 9.90% | 8.90% |
| 16 | BREWERY MILWAUKEE | 9.90% | 13.89% |
| 17 | TRI-COUNTY Marinette | 9.90% | 9.90% |
| 18 | BROKAW Weston | 9.94% | — |
| 19 | UNISON Kaukauna | 9.99% | 9.99% |
| 20 | FIREFIGHTERS ONALASKA | 10.10% | 9.90% |
| 21 | MEADOWLAND SHEBOYGAN FALLS | 10.25% | 13.99% |
| 22 | 1ST COMMUNITY Sparta | 10.40% | 9.40% |
| 23 | SHORELINE Two Rivers | 10.49% | 17.74% |
| 24 | VERVE, A CREDIT UNION Oshkosh | 10.49% | 14.65% |
| 25 | SIMPLICITY Marshfield | 10.49% | 12.90% |
| 26 | GUNDERSEN LA CROSSE | 10.50% | 8.90% |
| 27 | COMMUNITY FIRST Appleton | 10.57% | 11.61% |
| 28 | ALTRA ONALASKA | 10.75% | 12.40% |
| 29 | SHEBOYGAN AREA Sheboygan | 10.80% | — |
| 30 | BLACKHAWK COMMUNITY Janesville | 10.91% | 11.75% |
| 31 | FORWARD FINANCIAL NIAGARA | 10.95% | 11.99% |
| 32 | FOX COMMUNITIES Appleton | 10.99% | 10.24% |
| 33 | GOVERNMENTAL EMPLOYEES La Crosse | 10.99% | 8.99% |
| 34 | WISCONSIN MEDICAL Green Bay | 10.99% | — |
| 35 | SOUTHERN LAKES KENOSHA | 10.99% | — |
| 36 | TAYLOR Medford | 11.00% | — |
| 37 | KENOSHA POLICE AND FIREMEN'S KENOSHA | 11.00% | — |
| 38 | COMPASSIONATE CARE Fond du Lac | 11.09% | — |
| 39 | GOLDEN RULE COMMUNITY RIPON | 11.20% | 10.99% |
| 40 | PARK CITY Merrill | 11.35% | 11.24% |
| 41 | PUBLIC SERVICE Wausau | 11.37% | — |
| 42 | WESTBY CO-OP WESTBY | 11.41% | 11.25% |
| 43 | DAIRYLAND POWER La Crosse | 11.50% | 13.90% |
| 44 | NORTHWESTERN MUTUAL Milwaukee | 11.50% | — |
| 45 | ATHENS AREA ATHENS | 11.52% | 13.90% |
| 46 | MARATHON COUNTY EMPLOYEES WAUSAU | 11.67% | 11.90% |
| 47 | GUARDIAN Oak Creek | 11.69% | 14.99% |
| 48 | MADISON FIRE DEPARTMENT MADISON | 11.78% | — |
| 49 | PRIME FINANCIAL Cudahy | 11.84% | 14.24% |
| 50 | NORTHWOODS COMMUNITY Park Falls | 11.90% | 14.99% |
| 51 | LANDMARK Brookfield | 11.95% | 15.74% |
| 52 | COVANTAGE Antigo | 11.95% | 12.80% |
| 53 | CLOVERBELT Wausau | 12.00% | — |
| 54 | HOLY REDEEMER COMMUNITY OF SE WIS. MILWAUKEE | 12.00% | — |
| 55 | AIR TECH MILWAUKEE | 12.00% | — |
| 56 | PCM Green Bay | 12.01% | 13.99% |
| 57 | WINNEBAGO COMMUNITY Oshkosh | 12.06% | 10.44% |
| 58 | UNITEDONE Manitowoc | 12.49% | — |
| 59 | HEARTLAND Madison | 12.49% | 12.75% |
| 60 | SCHOOL EMPLOYEES Superior | 12.50% | — |
| 61 | LAKEWOOD Rib Lake | 12.59% | — |
| 62 | BADGER-GLOBE NEENAH | 12.65% | 9.90% |
| 63 | OSHKOSH COMMUNITY Oshkosh | 12.70% | 12.90% |
| 64 | RIPCO Rhinelander | 12.74% | 15.49% |
| 65 | UNIVERSITY OF WISCONSIN Madison | 12.74% | 16.70% |
| 66 | MEMBERS' ADVANTAGE Wisconsin Rapid | 12.79% | 11.99% |
| 67 | PROSPERA APPLETON | 12.86% | 13.97% |
| 68 | MCU FINANCIAL CENTER Racine | 12.90% | 9.99% |
| 69 | EVERGREEN NEENAH | 12.90% | 9.90% |
| 70 | FIRST COMMUNITY CU OF BELOIT Beloit | 13.13% | 11.06% |
| 71 | SUPERIOR MUNICIPAL EMPLOYEES SUPERIOR | 13.40% | — |
| 72 | IRON COUNTY COMMUNITY Hurley | 13.50% | 18.36% |
| 73 | SUPERIOR CHOICE Superior | 13.66% | 17.99% |
| 74 | COUNTY - CITY JEFFERSON | 13.75% | 12.20% |
| 75 | FOCUS Menomonee Falls | 13.75% | 12.25% |
| 76 | MADISON MADISON | 13.90% | 16.95% |
| 77 | 1ST CLASS EXPRESS WAUKESHA | 14.00% | — |
| 78 | RIPPLE Oshkosh | 14.00% | 17.24% |
| 79 | BAY SHORE Marinette | 14.00% | 8.90% |
| 80 | FIRST CHOICE MARSHFIELD | 14.00% | 12.90% |
| 81 | STOPPENBACH Jefferson | 14.00% | — |
| 82 | CAPITAL Green Bay | 14.13% | — |
| 83 | KOHLER Sheboygan | 14.13% | — |
| 84 | INDIANHEAD SPOONER | 14.50% | — |
| 85 | CO-OP Black River Fal | 14.88% | 11.88% |
| 86 | FOND DU LAC Fond du Lac | 14.99% | 12.34% |
| 87 | EDUCATORS Racine | 15.00% | 14.90% |
| 88 | WEA Madison | 15.00% | 19.75% |
| 89 | FORT COMMUNITY FORT ATKINSON | 15.13% | 13.90% |
| 90 | WESTCONSIN Menomonie | 15.50% | 9.50% |
| 91 | GLACIER HILLS WEST BEND | 15.64% | 9.99% |
| 92 | AVESTAR Waterloo | 15.90% | 12.90% |
| 93 | ARCADIA Arcadia | 15.99% | 14.90% |
| 94 | ROYAL EAU CLAIRE | 18.00% | 11.25% |
| 95 | SUMMIT Madison | 18.00% | 9.90% |
| 96 | LCO Hayward | 18.00% | — |
| 97 | MARINE La Crosse | 21.00% | 10.90% |
| 98 | CONNEXUS Wausau | 21.54% | — |
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.