Best Personal Loan Rates in Madison, Alabama (AL) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Alabama borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Madison, Alabama include: Alabama Credit UnionAlabama Credit Union100 New Bristol Lane, Madison, AL, 35756A5.0 ★Texas Ratio: 6.17% offering Lifestyle Loan at 6.75% APR, North Alabama Educators Credit UnionNorth Alabama Educators Credit Union7559 Highway 72 W Ste 114, Madison, AL, 35758 8816A+5.0 ★Texas Ratio: 2.73% offering Any Season, Any Reason Loan at 6.99% APR, Avadian Credit UnionAvadian Credit Union8566 Madison Blvd, Madison, AL, 35758A+5.0 ★Texas Ratio: 3.11% offering Land Loans at 8.26% APR, Redstone Federal Credit UnionRedstone Federal Credit Union4005 Lawson Ridge Dr, Madison, AL, 35757A+5.0 ★Texas Ratio: 3.00% offering Personal Unsecured Signature - 60 months at 10.79% APR, and Family Security Credit UnionFamily Security Credit Union8230 Madison Blvd, Madison, AL, 35758 2002A+5.0 ★Texas Ratio: 1.42% offering Personal Loans at 10.99% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Madison has 6 local institutions in our database, with personal loan rates as low as 6.75% APR from Alabama Credit Union at 100 New Bristol Lane, Madison, AL, 35756. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Madison, Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Madison, Alabama. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 6, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
100 New Bristol Lane, Madison, AL, 35756
Lifestyle Loan
6.75%
▼
APR6.75%
Last UpdatedApril 8, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL, 35758 8816
Any Season, Any Reason Loan
6.99%
▼
APR6.99%
Last UpdatedApril 8, 2026
Details
No additional details available.
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
100 New Bristol Lane, Madison, AL, 35756
Land Loans Up To 20 Acres
7.43%
▼
APR7.43%
Last UpdatedApril 8, 2026
Details
Loan to Value %: 70%
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL, 35758 8816
Consumer Loans (Mowers, Furniture, Computers, Appliances, etc.)
7.60%
▼
APR7.60%
Last UpdatedApril 8, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL, 35758 8816
Any Season, Any Reason Loan
7.99%
▼
APR7.99%
Last UpdatedApril 8, 2026
Details
No additional details available.
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL, 35758
Land Loans
8.26%
▼
APR8.26%
Last UpdatedApril 8, 2026
Details
As Low As
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL, 35758
Other Personal Loans/Lines
8.49%
▼
APR8.49%
Last UpdatedApril 8, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL, 35758 8816
Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedApril 8, 2026
Details
No additional details available.
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
100 New Bristol Lane, Madison, AL, 35756
Personal Property
9.75%
▼
APR9.75%
Last UpdatedApril 8, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL, 35758 8816
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL, 35757
Personal Unsecured Signature - 60 months
10.79%
▼
APR10.79%
Last UpdatedApril 8, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL, 35757
Personal Unsecured Signature - 72 months
10.99%
▼
APR10.99%
Last UpdatedApril 8, 2026
Details
As Low As
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
8230 Madison Blvd, Madison, AL, 35758 2002
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 8, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
100 New Bristol Lane, Madison, AL, 35756
Vacation Loan
12.00%
▼
APR12.00%
Last UpdatedApril 8, 2026
Details
Must have a direct deposit established with ACU to qualify.
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL, 35758
Signature
12.40%
▼
APR12.40%
Last UpdatedApril 8, 2026
Details
Variable
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL, 35756 4453
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 8, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL, 35756 4453
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 8, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL, 35756 4453
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 8, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL, 35756 4453
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 8, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL, 35758 8816
EZ Open-End Personal Loan
15.00%
▼
APR15.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL, 35757
Personal Stretch*
17.00%
▼
APR17.00%
Last UpdatedApril 8, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Spring Loan Special
4.00%
▼
APR4.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Spring Personal Loan Special
4.00%
▼
APR4.00%
Last UpdatedApril 8, 2026
Details
Spring into savings with our special loan rate!
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Relief Loan
4.00%
▼
APR4.00%
Last UpdatedApril 8, 2026
Details
As Low As
APR4.50%
Last UpdatedApril 8, 2026
Details
APR fixed
APR4.75%
Last UpdatedApril 8, 2026
Details
APR fixed
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
New Lawn Mower Loan
4.99%
▼
APR4.99%
Last UpdatedApril 8, 2026
Details
As Low As; mo
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
New Tractor Loan
4.99%
▼
APR4.99%
Last UpdatedApril 8, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
APR5.00%
Last UpdatedApril 8, 2026
Details
APR fixed
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Jumpstart (Apprentice) Loan
5.00%
▼
APR5.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
APR5.00%
Last UpdatedApril 8, 2026
Details
Fixed at 5.00% up to 5 years
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Credit Builder Loan
5.00%
▼
APR5.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
APR5.25%
Last UpdatedApril 8, 2026
Details
APR fixed
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
New / used 75 mo. / K or > loan amt. (current & prior 2 model years) **
5.25%
▼
APR5.25%
Last UpdatedApril 8, 2026
Details
$20
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Emergency Loan
5.99%
▼
APR5.99%
Last UpdatedApril 8, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Vocational Income Program Loan
5.99%
▼
APR5.99%
Last UpdatedApril 8, 2026
Details
Fixed at 5.99% up to 5 years
APR6.00%
Last UpdatedApril 8, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Personal Term Loans
6.00%
▼
APR6.00%
Last UpdatedApril 8, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Holiday Loan Special
6.00%
▼
APR6.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Norfolk Southern Stock Loan
6.50%
▼
APR6.50%
Last UpdatedApril 8, 2026
Details
75% of stock value
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
6.50%
▼
APR6.50%
Last UpdatedApril 8, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Holiday Loan - Closed End Fixed APR as low as
6.74%
▼
APR6.74%
Last UpdatedApril 8, 2026
Details
As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
With a maximum loan of
6.75%
▼
APR6.75%
Last UpdatedApril 8, 2026
Details
$49,000.00; As Low As
APR6.75%
Last UpdatedApril 8, 2026
Details
No additional details available.
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
Construction Loans
6.75%
▼
APR6.75%
Last UpdatedApril 8, 2026
Details
No additional details available.
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
New R.V. Loan
6.75%
▼
APR6.75%
Last UpdatedApril 8, 2026
Details
As Low As
APR6.75%
Last UpdatedApril 8, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Construction Loan
6.75%
▼
APR6.75%
Last UpdatedApril 8, 2026
Details
As Low As
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
With a maximum loan of
6.95%
▼
APR6.95%
Last UpdatedApril 8, 2026
Details
$49,000.00; As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
New Tractor Loans
6.99%
▼
APR6.99%
Last UpdatedApril 8, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Vacation loan
6.99%
▼
APR6.99%
Last UpdatedApril 8, 2026
Details
As Low As; Borrow up to $5000
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
7.00%
▼
APR7.00%
Last UpdatedApril 8, 2026
Details
As Low As
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Any Reason Loan
7.00%
▼
APR7.00%
Last UpdatedApril 8, 2026
Details
$3,500.00 Maximum credit score of 600 +
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Signature Loans
7.17%
▼
APR7.17%
Last UpdatedApril 8, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedApril 8, 2026
Details
As Low As
APR7.25%
Last UpdatedApril 8, 2026
Details
No additional details available.
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
Personal Unsecured Loan
7.25%
▼
APR7.25%
Last UpdatedApril 8, 2026
Details
No additional details available.
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Residential Lot/Land Loan3 12 Months
7.40%
▼
APR7.40%
Last UpdatedApril 8, 2026
Details
No additional details available.
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
New Tractor Loans
7.49%
▼
APR7.49%
Last UpdatedApril 8, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
Construction Loan
7.49%
▼
APR7.49%
Last UpdatedApril 8, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
7.50%
▼
APR7.50%
Last UpdatedApril 8, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedApril 8, 2026
Details
No additional details available.
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Residential Lot/Land Loan3 12 Months
7.55%
▼
APR7.55%
Last UpdatedApril 8, 2026
Details
No additional details available.
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Residential Lot/Land Loan3 60 Months
7.55%
▼
APR7.55%
Last UpdatedApril 8, 2026
Details
No additional details available.
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Residential Lot/Land Loan3 60 Months
7.70%
▼
APR7.70%
Last UpdatedApril 8, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
7.75%
▼
APR7.75%
Last UpdatedApril 8, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 8, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 8, 2026
Details
As Low As; Max amount of $15,000.00
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
New Tractor Loans
7.99%
▼
APR7.99%
Last UpdatedApril 8, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 8, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 8, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 8, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 8, 2026
Details
$2,500 to $10,000
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Any Reason Loan
8.00%
▼
APR8.00%
Last UpdatedApril 8, 2026
Details
$3,500.00 Maximum credit score of 600 +
APR8.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
Credit Builder Loan
8.00%
▼
APR8.00%
Last UpdatedApril 8, 2026
Details
1% discount to ["Money wisdom" workshop Graduates](https://neighborhoodtrustfcu.org/financial-wellness)!
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
Other Collateral Loan
8.00%
▼
APR8.00%
Last UpdatedApril 8, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
8.00%
▼
APR8.00%
Last UpdatedApril 8, 2026
Details
As Low As
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Seasonal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 8, 2026
Details
As Low As; Borrow from $500 - $3,000; Repay in up to 24 months
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Revolving Loan
8.00%
▼
APR8.00%
Last UpdatedApril 8, 2026
Details
As Low As
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Installment Loan
8.00%
▼
APR8.00%
Last UpdatedApril 8, 2026
Details
As Low As
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Consolidation Loan
8.00%
▼
APR8.00%
Last UpdatedApril 8, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
8.25%
▼
APR8.25%
Last UpdatedApril 8, 2026
Details
As Low As
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Residential Lot/Land Loan3 12 Months
8.40%
▼
APR8.40%
Last UpdatedApril 8, 2026
Details
No additional details available.
Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedApril 8, 2026
Details
As Low As
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Used R.V. Loan
8.50%
▼
APR8.50%
Last UpdatedApril 8, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Borrow and Save Loans
8.50%
▼
APR8.50%
Last UpdatedApril 8, 2026
Details
No additional details available.
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Starter Loans
8.50%
▼
APR8.50%
Last UpdatedApril 8, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
8.50%
▼
APR8.50%
Last UpdatedApril 8, 2026
Details
As Low As
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Residential Lot/Land Loan3 60 Months
8.55%
▼
APR8.55%
Last UpdatedApril 8, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 8, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
Recreational Loans Used Waverunner
8.75%
▼
APR8.75%
Last UpdatedApril 8, 2026
Details
As Low As
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
Other Unsecured Loan
8.90%
▼
APR8.90%
Last UpdatedApril 8, 2026
Details
As Low As
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
Unsecured Loan
8.90%
▼
APR8.90%
Last UpdatedApril 8, 2026
Details
As Low As
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
Unsecured Loans
8.90%
▼
APR8.90%
Last UpdatedApril 8, 2026
Details
As Low As; Limits up to $30,000
APR8.90%
Last UpdatedApril 8, 2026
Details
As Low As; Our Personal Loans are available with terms from 24-60 months and APRs* ranging from 8.90% to 17.90%.
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
Pool Loans
8.95%
▼
APR8.95%
Last UpdatedApril 8, 2026
Details
No additional details available.
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
Signature Loans
8.95%
▼
APR8.95%
Last UpdatedApril 8, 2026
Details
No additional details available.
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 8, 2026
Details
Rates subject to credit score and term
APR8.99%
Last UpdatedApril 8, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 8, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 8, 2026
Details
As Low As
Liberty Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
Freedom Fast Personal Loan
9.00%
▼
APR9.00%
Last UpdatedApril 8, 2026
Details
As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Wedding Loan
9.00%
▼
APR9.00%
Last UpdatedApril 8, 2026
Details
As Low As; Borrow up to $15,000 for four years. You do need proof of wedding expenses, such as a copy of the contract from the venue, florist, bridal shop, etc.
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
Construction Loan
9.24%
▼
APR9.24%
Last UpdatedApril 8, 2026
Details
As Low As
APR9.25%
Last UpdatedApril 8, 2026
Details
No additional details available.
Rocket City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Personal
9.25%
▼
APR9.25%
Last UpdatedApril 8, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 8, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Signature Loan
9.49%
▼
APR9.49%
Last UpdatedApril 8, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bill Consolidation Loan - Closed End Fixed APR as low as
9.49%
▼
APR9.49%
Last UpdatedApril 8, 2026
Details
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Personal Signature Loan - Closed Fixed APR as low as
9.49%
▼
APR9.49%
Last UpdatedApril 8, 2026
Details
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Personal/Signature Loan
9.49%
▼
APR9.49%
Last UpdatedApril 8, 2026
Details
As Low As
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
Unsecured
9.50%
▼
APR9.50%
Last UpdatedApril 8, 2026
Details
No additional details available.
APR9.50%
Last UpdatedApril 8, 2026
Details
As Low As
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Closed-end Lifestyle Loan
9.75%
▼
APR9.75%
Last UpdatedApril 8, 2026
Details
As Low As
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Open-end Lifestyle Loan
9.75%
▼
APR9.75%
Last UpdatedApril 8, 2026
Details
As Low As
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
Signature Loans
9.90%
▼
APR9.90%
Last UpdatedApril 8, 2026
Details
As Low As
APR9.95%
Last UpdatedApril 8, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Signature/Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 8, 2026
Details
No additional details available.
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Personal Unsecured Loan
9.99%
▼
APR9.99%
Last UpdatedApril 8, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 8, 2026
Details
As Low As; Up to $15,000
APR9.99%
Last UpdatedApril 8, 2026
Details
No additional details available.
APR9.99%
Last UpdatedApril 8, 2026
Details
No additional details available.
APR9.99%
Last UpdatedApril 8, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 8, 2026
Details
As Low As; Your credit score will determine your rate, maximum loan amount and term.
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Signature Loan - Closed End
10.00%
▼
APR10.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedApril 8, 2026
Details
As Low As
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 8, 2026
Details
As Low As
Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.26%
Unsecured Loans A Paper
10.00%
▼
APR10.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
APR10.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Signature/Personal
10.00%
▼
APR10.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
Seasonal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 8, 2026
Details
As Low As
APR10.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedApril 8, 2026
Details
As Low As
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedApril 8, 2026
Details
As Low As
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Personal Unsecured Loan
10.29%
▼
APR10.29%
Last UpdatedApril 8, 2026
Details
As Low As
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
Personal Loan
10.39%
▼
APR10.39%
Last UpdatedApril 8, 2026
Details
As Low As; Rates as low as 10.39% APR* with a maximum APR* of 18%
APR10.45%
Last UpdatedApril 8, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Personal Custom Loan
10.45%
▼
APR10.45%
Last UpdatedApril 8, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedApril 8, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Signature Loans
10.49%
▼
APR10.49%
Last UpdatedApril 8, 2026
Details
As Low As
APR10.49%
Last UpdatedApril 8, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 8, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedApril 8, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 8, 2026
Details
Up to 48 Months
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Term Note Loan
10.50%
▼
APR10.50%
Last UpdatedApril 8, 2026
Details
$20,000 Maximum - Individual & Joint; 90 Day Maximum
APR10.80%
Last UpdatedApril 8, 2026
Details
No additional details available.
Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Personal Signature Loans (Closed End)
10.80%
▼
APR10.80%
Last UpdatedApril 8, 2026
Details
As Low As
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loans Signature
10.80%
▼
APR10.80%
Last UpdatedApril 8, 2026
Details
As Low As; Competitive fixed rates as low as 10.80% on signature loans
ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Personal / Signature Loan
10.90%
▼
APR10.90%
Last UpdatedApril 8, 2026
Details
As Low As; Rates based on Credit Score. Exact rate quoted at time of approval; Down payment may be required; Longer terms may require a minimum loan amount; Rates and terms are subject to change without notice
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Closed End Signature Loan
10.90%
▼
APR10.90%
Last UpdatedApril 8, 2026
Details
As Low As
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
Signature / Unsecured
10.99%
▼
APR10.99%
Last UpdatedApril 8, 2026
Details
As Low As
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 8, 2026
Details
No additional details available.
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 8, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 8, 2026
Details
As Low As; $15,000 -$25,000
APR10.99%
Last UpdatedApril 8, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL, 35758
Other Personal Loans/Lines
8.49%
▼
APR8.49%
Last UpdatedApril 8, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL, 35758 8816
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
8230 Madison Blvd, Madison, AL, 35758 2002
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 8, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL, 35756 4453
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 8, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL, 35756 4453
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 8, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
7559 Highway 72 W Ste 114, Madison, AL, 35758 8816
EZ Open-End Personal Loan
15.00%
▼
APR15.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Spring Personal Loan Special
4.00%
▼
APR4.00%
Last UpdatedApril 8, 2026
Details
Spring into savings with our special loan rate!
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedApril 8, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
7.75%
▼
APR7.75%
Last UpdatedApril 8, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 8, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 8, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
8.25%
▼
APR8.25%
Last UpdatedApril 8, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 8, 2026
Details
As Low As
APR8.90%
Last UpdatedApril 8, 2026
Details
As Low As; Our Personal Loans are available with terms from 24-60 months and APRs* ranging from 8.90% to 17.90%.
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 8, 2026
Details
Rates subject to credit score and term
APR8.99%
Last UpdatedApril 8, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 8, 2026
Details
No additional details available.
Liberty Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
Freedom Fast Personal Loan
9.00%
▼
APR9.00%
Last UpdatedApril 8, 2026
Details
As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 8, 2026
Details
As Low As
APR9.25%
Last UpdatedApril 8, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Signature/Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 8, 2026
Details
No additional details available.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 8, 2026
Details
As Low As; Up to $15,000
APR9.99%
Last UpdatedApril 8, 2026
Details
No additional details available.
APR9.99%
Last UpdatedApril 8, 2026
Details
No additional details available.
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 8, 2026
Details
As Low As
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedApril 8, 2026
Details
As Low As
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedApril 8, 2026
Details
As Low As
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedApril 8, 2026
Details
As Low As
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
Personal Loan
10.39%
▼
APR10.39%
Last UpdatedApril 8, 2026
Details
As Low As; Rates as low as 10.39% APR* with a maximum APR* of 18%
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedApril 8, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 8, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedApril 8, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 8, 2026
Details
Up to 48 Months
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loans Signature
10.80%
▼
APR10.80%
Last UpdatedApril 8, 2026
Details
As Low As; Competitive fixed rates as low as 10.80% on signature loans
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 8, 2026
Details
No additional details available.
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 8, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 8, 2026
Details
As Low As; $15,000 -$25,000
APR10.99%
Last UpdatedApril 8, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL, 35756 4453
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 8, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL, 35756 4453
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 8, 2026
Details
As Low As
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
Debt Consolidation Loans
18.00%
▼
APR18.00%
Last UpdatedApril 8, 2026
Details
discount with direct deposit; $20 application fee; 1% origination fee* (upon approval of the loan)
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL, 35757
Personal Unsecured Signature - 60 months
10.79%
▼
APR10.79%
Last UpdatedApril 8, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL, 35757
Personal Unsecured Signature - 72 months
10.99%
▼
APR10.99%
Last UpdatedApril 8, 2026
Details
As Low As
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL, 35758
Signature
12.40%
▼
APR12.40%
Last UpdatedApril 8, 2026
Details
Variable
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
6.50%
▼
APR6.50%
Last UpdatedApril 8, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
7.00%
▼
APR7.00%
Last UpdatedApril 8, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Signature Loans
7.17%
▼
APR7.17%
Last UpdatedApril 8, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
7.50%
▼
APR7.50%
Last UpdatedApril 8, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedApril 8, 2026
Details
No additional details available.
APR7.99%
Last UpdatedApril 8, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 8, 2026
Details
As Low As; Max amount of $15,000.00
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 8, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
8.00%
▼
APR8.00%
Last UpdatedApril 8, 2026
Details
As Low As
Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedApril 8, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
8.50%
▼
APR8.50%
Last UpdatedApril 8, 2026
Details
As Low As
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
Signature Loans
8.95%
▼
APR8.95%
Last UpdatedApril 8, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 8, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Personal/Signature Loan
9.49%
▼
APR9.49%
Last UpdatedApril 8, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Signature Loan
9.49%
▼
APR9.49%
Last UpdatedApril 8, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Personal Signature Loan - Closed Fixed APR as low as
9.49%
▼
APR9.49%
Last UpdatedApril 8, 2026
Details
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
Signature Loans
9.90%
▼
APR9.90%
Last UpdatedApril 8, 2026
Details
As Low As
APR9.95%
Last UpdatedApril 8, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 8, 2026
Details
As Low As; Your credit score will determine your rate, maximum loan amount and term.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Signature/Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 8, 2026
Details
No additional details available.
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Signature/Personal
10.00%
▼
APR10.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Signature Loan - Closed End
10.00%
▼
APR10.00%
Last UpdatedApril 8, 2026
Details
No additional details available.
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Signature Loans
10.49%
▼
APR10.49%
Last UpdatedApril 8, 2026
Details
As Low As
Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Personal Signature Loans (Closed End)
10.80%
▼
APR10.80%
Last UpdatedApril 8, 2026
Details
As Low As
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loans Signature
10.80%
▼
APR10.80%
Last UpdatedApril 8, 2026
Details
As Low As; Competitive fixed rates as low as 10.80% on signature loans
APR10.80%
Last UpdatedApril 8, 2026
Details
No additional details available.
ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Personal / Signature Loan
10.90%
▼
APR10.90%
Last UpdatedApril 8, 2026
Details
As Low As; Rates based on Credit Score. Exact rate quoted at time of approval; Down payment may be required; Longer terms may require a minimum loan amount; Rates and terms are subject to change without notice
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Closed End Signature Loan
10.90%
▼
APR10.90%
Last UpdatedApril 8, 2026
Details
As Low As
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
Signature / Unsecured
10.99%
▼
APR10.99%
Last UpdatedApril 8, 2026
Details
As Low As
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MonitorBankRates
No home improvement personal loan rates found in Madison, AL currently.
Madison, AL Personal Loan Rate Trends
Compare local Madison, AL personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Personal Loan — AL Avg
11.231%
▼ 0.253 vs 7 days ago
Alabama personal loan rates fell 0.253 points over the past 7 days to 11.231% APR.
Signature Loan — AL Avg
11.887%
▼ 0.662 vs 7 days ago
Alabama signature loan rates fell 0.662 points over the past 7 days to 11.887% APR.
As of Apr 8, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Alabama?
Most lenders in Madison, Alabama require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Alabama often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Madison, Alabama require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Alabama?
Yes. Debt consolidation is one of the most common uses of personal loans in Madison, Alabama. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Madison, Alabama?
Credit unions in Madison, Alabama often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Madison, Alabama?
- Alabama Credit Union: 6.75% (Lifestyle Loan)
- North Alabama Educators Credit Union: 6.99% (Any Season, Any Reason Loan)
- Avadian Credit Union: 8.26% (Land Loans)
- Redstone Federal Credit Union: 10.79% (Personal Unsecured Signature - 60 months)
- Family Security Credit Union: 10.99% (Personal Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Madison, Alabama. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 6, 2026.
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