Best Personal Loan Rates in Muscle Shoals, Alabama (AL) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Muscle Shoals, Alabama include: Railway Employees Credit UnionRailway Employees Credit Union1604 Gusmus Ave, Muscle Shoals, AL, 35661A+5.0 ★Texas Ratio: 1.07% offering New Lawn Mower Loan at 4.99% APR, TVA Community Credit UnionTVA Community Credit Union1010 Reservation Road, Muscle Shoals, AL, 35661A+5.0 ★Texas Ratio: 0.71% offering Land Loans at 6.00% APR, Listerhill Credit UnionListerhill Credit Union4790 2nd St, Muscle Shoals, AL, 35661 1285A+5.0 ★Texas Ratio: 4.62% offering Land Loan at 6.75% APR, Alabama Central Credit UnionAlabama Central Credit Union743 Avalon Ave, Muscle Shoals, AL, 35661 2303A+5.0 ★Texas Ratio: 0.75% offering Construction Loan at 6.75% APR, and Valley Credit Union Tuscumbia, ALValley Credit Union Tuscumbia, AL2500 AVALON AVE, MUSCLE SHOALS, AL, 35661A+5.0 ★Texas Ratio: 0.53% offering Personal Loans at 10.50% APR. Personal loan rates as of April 12, 2026 according to verified data from MonitorBankRates.
Muscle Shoals has 6 local institutions in our database, with personal loan rates as low as 4.99% APR from Railway Employees Credit Union at 1604 Gusmus Ave, Muscle Shoals, AL, 35661. 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 Muscle Shoals, Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Muscle Shoals, 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 12, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1604 Gusmus Ave, Muscle Shoals, AL, 35661
New Lawn Mower Loan
4.99%
▼
APR4.99%
Last UpdatedApril 12, 2026
Details
As Low As; mo
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1604 Gusmus Ave, Muscle Shoals, AL, 35661
New Tractor Loan
4.99%
▼
APR4.99%
Last UpdatedApril 12, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Land Loans
6.00%
▼
APR6.00%
Last UpdatedApril 12, 2026
Details
As Low As
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1604 Gusmus Ave, Muscle Shoals, AL, 35661
Norfolk Southern Stock Loan
6.50%
▼
APR6.50%
Last UpdatedApril 12, 2026
Details
75% of stock value
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Land Loan
6.75%
▼
APR6.75%
Last UpdatedApril 12, 2026
Details
No additional details available.
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Construction Loan
6.75%
▼
APR6.75%
Last UpdatedApril 12, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Land Loan
6.75%
▼
APR6.75%
Last UpdatedApril 12, 2026
Details
As Low As
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1604 Gusmus Ave, Muscle Shoals, AL, 35661
New R.V. Loan
6.75%
▼
APR6.75%
Last UpdatedApril 12, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Construction Loan
7.49%
▼
APR7.49%
Last UpdatedApril 12, 2026
Details
No additional details available.
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Vacation Loans
8.00%
▼
APR8.00%
Last UpdatedApril 12, 2026
Details
As Low As;%
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1604 Gusmus Ave, Muscle Shoals, AL, 35661
Used R.V. Loan
8.50%
▼
APR8.50%
Last UpdatedApril 12, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Recreational Loans Used Waverunner
8.75%
▼
APR8.75%
Last UpdatedApril 12, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Construction Loan
9.24%
▼
APR9.24%
Last UpdatedApril 12, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Signature
9.95%
▼
APR9.95%
Last UpdatedApril 12, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2015 Avalon Ave, Muscle Shoals, AL, 35661
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 12, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Personal Loans Unsecured Personal
11.24%
▼
APR11.24%
Last UpdatedApril 12, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Unsecured Personal
11.24%
▼
APR11.24%
Last UpdatedApril 12, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Unsecured Personal Loan
11.24%
▼
APR11.24%
Last UpdatedApril 12, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Signature Loan
11.50%
▼
APR11.50%
Last UpdatedApril 12, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedApril 12, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Keystone Signature
12.99%
▼
APR12.99%
Last UpdatedApril 12, 2026
Details
As Low As
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1604 Gusmus Ave, Muscle Shoals, AL, 35661
Unsecured Loan
18.00%
▼
APR18.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
Mid Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Title Loans
4.00%
▼
APR4.00%
Last UpdatedApril 12, 2026
Details
As Low As; Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Relief Loan
4.00%
▼
APR4.00%
Last UpdatedApril 12, 2026
Details
As Low As
APR4.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR4.75%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR5.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Jumpstart (Apprentice) Loan
5.00%
▼
APR5.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR5.00%
Last UpdatedApril 12, 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 12, 2026
Details
No additional details available.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR5.00%
Last UpdatedApril 12, 2026
Details
As Low As; Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.
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 12, 2026
Details
$20
APR5.25%
Last UpdatedApril 12, 2026
Details
No additional details available.
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Emergency Loan
5.99%
▼
APR5.99%
Last UpdatedApril 12, 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 12, 2026
Details
Fixed at 5.99% up to 5 years
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
6.50%
▼
APR6.50%
Last UpdatedApril 12, 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 12, 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.
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
Construction Loans
6.75%
▼
APR6.75%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR6.75%
Last UpdatedApril 12, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Any Season, Any Reason Loan
6.99%
▼
APR6.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Vacation Loan
6.99%
▼
APR6.99%
Last UpdatedApril 12, 2026
Details
As Low As; Borrow up to $5000
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
New Tractor Loans
6.99%
▼
APR6.99%
Last UpdatedApril 12, 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 12, 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 12, 2026
Details
As Low As
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
Personal Unsecured Loan
7.25%
▼
APR7.25%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Residential Lot/Land Loan3 12 Months
7.40%
▼
APR7.40%
Last UpdatedApril 12, 2026
Details
No additional details available.
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
Land Loans Up To 20 Acres
7.43%
▼
APR7.43%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 2026
Details
As Low As
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Residential Lot/Land Loan3 12 Months
7.55%
▼
APR7.55%
Last UpdatedApril 12, 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 12, 2026
Details
No additional details available.
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Consumer Loans (Mowers, Furniture, Computers, Appliances, etc.)
7.60%
▼
APR7.60%
Last UpdatedApril 12, 2026
Details
As Low As
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Residential Lot/Land Loan3 60 Months
7.70%
▼
APR7.70%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Any Season, Any Reason Loan
7.99%
▼
APR7.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
New Tractor Loans
7.99%
▼
APR7.99%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 12, 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 12, 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 12, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 12, 2026
Details
As Low As; Max amount of $15,000.00
APR8.00%
Last UpdatedApril 12, 2026
Details
$2,500 to $10,000
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
Other Collateral Loan
8.00%
▼
APR8.00%
Last UpdatedApril 12, 2026
Details
As Low As
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
Credit Builder Loan
8.00%
▼
APR8.00%
Last UpdatedApril 12, 2026
Details
1% discount to ["Money wisdom" workshop Graduates](https://neighborhoodtrustfcu.org/financial-wellness)!
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Consolidation Loan
8.00%
▼
APR8.00%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Revolving Loan
8.00%
▼
APR8.00%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As; Borrow from $500 - $3,000; Repay in up to 24 months
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
8.00%
▼
APR8.00%
Last UpdatedApril 12, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
APR8.26%
Last UpdatedApril 12, 2026
Details
As Low As; 1, 5
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Residential Lot/Land Loan3 12 Months
8.40%
▼
APR8.40%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
Other Personal Loans/Lines
8.49%
▼
APR8.49%
Last UpdatedApril 12, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Starter Loans
8.50%
▼
APR8.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
As Low As; Limits up to $30,000
APR8.90%
Last UpdatedApril 12, 2026
Details
As Low As
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
Pool Loans
8.95%
▼
APR8.95%
Last UpdatedApril 12, 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 12, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedApril 12, 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 12, 2026
Details
Rates subject to credit score and term
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Wedding Loan
9.00%
▼
APR9.00%
Last UpdatedApril 12, 2026
Details
As Low As; Borrow up to $15,000. You do need proof of wedding expenses, such as a copy of the contract from the venue, florist, bridal shop, etc.
APR9.25%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
As Low As
APR9.50%
Last UpdatedApril 12, 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 12, 2026
Details
No additional details available.
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Closed-end Lifestyle Loan
9.75%
▼
APR9.75%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
APR9.75%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.75%
Last UpdatedApril 12, 2026
Details
As Low As
Genuine Parts Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Unsecured Personal Loans (Signature, Vacation, Afford Life and Light Up Your Life) Afford Life Loan
9.90%
▼
APR9.90%
Last UpdatedApril 12, 2026
Details
Base Rate
Genuine Parts Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Unsecured Personal Loans (Signature, Vacation, Afford Life and Light Up Your Life) Light Up Your Life Loan / Holiday Loan
9.90%
▼
APR9.90%
Last UpdatedApril 12, 2026
Details
Base Rate
Genuine Parts Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Unsecured Personal Loans (Signature, Vacation, Afford Life and Light Up Your Life) Vacation Loan
9.90%
▼
APR9.90%
Last UpdatedApril 12, 2026
Details
Base Rate
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
Signature Loans
9.90%
▼
APR9.90%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Signature Loans
9.99%
▼
APR9.99%
Last UpdatedApril 12, 2026
Details
As Low As; APR= Annual Percentage Rate 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 12, 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 12, 2026
Details
As Low As; Up to $15,000
APR9.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR9.99%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Signature Loan - Closed End
10.00%
▼
APR10.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.26%
Unsecured Loans A Paper
10.00%
▼
APR10.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR10.00%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 12, 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 12, 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 12, 2026
Details
As Low As
APR10.00%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 2026
Details
As Low As; Rates as low as 10.39% APR* with a maximum APR* of 18%
APR10.45%
Last UpdatedApril 12, 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 12, 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 12, 2026
Details
As Low As
APR10.49%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Term Note Loan
10.50%
▼
APR10.50%
Last UpdatedApril 12, 2026
Details
$20,000 Maximum - Individual & Joint
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Personal Unsecured Signature - 60 months
10.79%
▼
APR10.79%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loans
10.80%
▼
APR10.80%
Last UpdatedApril 12, 2026
Details
As Low As; Competitive fixed rates on signature loans
APR10.80%
Last UpdatedApril 12, 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 12, 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 12, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Personal Unsecured Signature - 72 months
10.99%
▼
APR10.99%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 12, 2026
Details
As Low As
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As; $15,000 -$25,000
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR10.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR10.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR11.00%
Last UpdatedApril 12, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR11.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Signature Loans
11.20%
▼
APR11.20%
Last UpdatedApril 12, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Anything/Unsecured
11.24%
▼
APR11.24%
Last UpdatedApril 12, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
2500 AVALON AVE, MUSCLE SHOALS, AL, 35661
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2015 Avalon Ave, Muscle Shoals, AL, 35661
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 12, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Personal Loans Unsecured Personal
11.24%
▼
APR11.24%
Last UpdatedApril 12, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Unsecured Personal Loan
11.24%
▼
APR11.24%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
Other Personal Loans/Lines
8.49%
▼
APR8.49%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
APR8.90%
Last UpdatedApril 12, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 12, 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 12, 2026
Details
Rates subject to credit score and term
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.25%
Last UpdatedApril 12, 2026
Details
No additional details available.
Genuine Parts Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Unsecured Personal Loans (Signature, Vacation, Afford Life and Light Up Your Life) Vacation Loan
9.90%
▼
APR9.90%
Last UpdatedApril 12, 2026
Details
Base Rate
Genuine Parts Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Unsecured Personal Loans (Signature, Vacation, Afford Life and Light Up Your Life) Light Up Your Life Loan / Holiday Loan
9.90%
▼
APR9.90%
Last UpdatedApril 12, 2026
Details
Base Rate
Genuine Parts Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Unsecured Personal Loans (Signature, Vacation, Afford Life and Light Up Your Life) Afford Life Loan
9.90%
▼
APR9.90%
Last UpdatedApril 12, 2026
Details
Base Rate
APR9.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR9.99%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As; Up to $15,000
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Signature/Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
As Low As; Rates as low as 10.39% APR* with a maximum APR* of 18%
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 12, 2026
Details
As Low As
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loans
10.80%
▼
APR10.80%
Last UpdatedApril 12, 2026
Details
As Low As; Competitive fixed rates on signature loans
APR10.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR10.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 12, 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 12, 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 12, 2026
Details
As Low As; $15,000 -$25,000
APR10.99%
Last UpdatedApril 12, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR11.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
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%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 12, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 12, 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 12, 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
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1010 Reservation Road, Muscle Shoals, AL, 35661
Signature
9.95%
▼
APR9.95%
Last UpdatedApril 12, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Signature Loan
11.50%
▼
APR11.50%
Last UpdatedApril 12, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
743 Avalon Ave, Muscle Shoals, AL, 35661 2303
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedApril 12, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Keystone Signature
12.99%
▼
APR12.99%
Last UpdatedApril 12, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
6.50%
▼
APR6.50%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 12, 2026
Details
As Low As; Max amount of $15,000.00
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
8.00%
▼
APR8.00%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 12, 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 12, 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 12, 2026
Details
As Low As
APR9.75%
Last UpdatedApril 12, 2026
Details
As Low As
Genuine Parts Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Unsecured Personal Loans (Signature, Vacation, Afford Life and Light Up Your Life) Afford Life Loan
9.90%
▼
APR9.90%
Last UpdatedApril 12, 2026
Details
Base Rate
Genuine Parts Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Unsecured Personal Loans (Signature, Vacation, Afford Life and Light Up Your Life) Light Up Your Life Loan / Holiday Loan
9.90%
▼
APR9.90%
Last UpdatedApril 12, 2026
Details
Base Rate
Genuine Parts Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Unsecured Personal Loans (Signature, Vacation, Afford Life and Light Up Your Life) Vacation Loan
9.90%
▼
APR9.90%
Last UpdatedApril 12, 2026
Details
Base Rate
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
Signature Loans
9.90%
▼
APR9.90%
Last UpdatedApril 12, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Signature Loans
9.99%
▼
APR9.99%
Last UpdatedApril 12, 2026
Details
As Low As; APR= Annual Percentage Rate 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 12, 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 12, 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 12, 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 12, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Personal Unsecured Signature - 60 months
10.79%
▼
APR10.79%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
APR10.80%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Personal Unsecured Signature - 72 months
10.99%
▼
APR10.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR11.00%
Last UpdatedApril 12, 2026
Details
As Low As
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Signature Loans
11.20%
▼
APR11.20%
Last UpdatedApril 12, 2026
Details
As Low As
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No home improvement personal loan rates found in Muscle Shoals, AL currently.
Muscle Shoals, AL Personal Loan Rate Trends
Compare local Muscle Shoals, 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
11.344%
▼ 0.532 vs 7 days ago
Alabama personal loan rates fell 0.532 points over the past 7 days to 11.344% APR.
Signature Loan — AL Avg
12.222%
▲ 3.005 vs 7 days ago
Alabama signature loan rates rose 3.005 points over the past 7 days to 12.222% APR.
As of Apr 12, 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 Muscle Shoals, 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 Muscle Shoals, 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 Muscle Shoals, 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 Muscle Shoals, Alabama?
Credit unions in Muscle Shoals, 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 Muscle Shoals, Alabama?
- Railway Employees Credit Union: 4.99% (New Lawn Mower Loan)
- TVA Community Credit Union: 6.00% (Land Loans)
- Listerhill Credit Union: 6.75% (Land Loan)
- Alabama Central Credit Union: 6.75% (Construction Loan)
- Valley Credit Union Tuscumbia, AL: 10.50% (Personal Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Muscle Shoals, Alabama. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 12, 2026.
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