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Best Personal Loan Rates in Grangeville, Idaho (ID) - May 2026

Current personal loan options available to borrowers in Grangeville, Idaho include: Potlatch No 1 Financial Credit UnionPotlatch No 1 Financial Credit Union908 W MAIN ST, GRANGEVILLE, ID, 83530A+5.0 ★Texas Ratio: 4.34% offering Personal Loan at 10.99% APR, CAPITAL EDUCATORSCAPITAL EDUCATORSA5.0 ★Texas Ratio: 7.10% offering Educator Loan at 4.00% APR, Northwest Christian Credit UnionNorthwest Christian Credit UnionA+5.0 ★Texas Ratio: 4.47% offering Church/ Ministry Loans at 6.25% APR, Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 11.38% offering Construction Loan at 6.38% APR, and Numerica Credit UnionNumerica Credit UnionA+5.0 ★Texas Ratio: 2.80% offering Toy Loans1 at 6.74% APR. Personal loan rates as of May 2, 2026 according to verified data from MonitorBankRates.

Grangeville has 1 local institution in our database, with personal loan rates as low as 10.99% APR from Potlatch No 1 Financial Credit Union at 908 W MAIN ST, GRANGEVILLE, ID, 83530. 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 Grangeville, Idaho.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Grangeville, Idaho. 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: May 2, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
908 W MAIN ST, GRANGEVILLE, ID, 83530
Personal Loan
10.99%
APR10.99%
Last UpdatedMay 3, 2026
Details

As Low As

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
Educator Loan
4.00%
APR4.00%
Last UpdatedMay 3, 2026
Details

$1,501 - $3,000

Northwest Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
Church/ Ministry Loans
6.25%
APR6.25%
Last UpdatedMay 3, 2026
Details

As Low As

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
Construction Loan
6.38%
APR6.38%
Last UpdatedMay 3, 2026
Details

As Low As; Construction

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Toy Loans1
6.74%
APR6.74%
Last UpdatedMay 3, 2026
Details

No additional details available.

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
Lot Loan- 20/5YR Balloon Variable
6.82%
APR6.82%
Last UpdatedMay 3, 2026
Details

As Low As; Variable

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
Lot Loan- 10 Year Variable
7.01%
APR7.01%
Last UpdatedMay 3, 2026
Details

As Low As; Variable

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
Lot Loan- 30/5YR Balloon Variable
7.05%
APR7.05%
Last UpdatedMay 3, 2026
Details

As Low As; Variable

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
Lot Loan- 20/5YR Balloon Fixed
7.28%
APR7.28%
Last UpdatedMay 3, 2026
Details

As Low As; Fixed

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
Lot Loan- 10 Year Fixed
7.48%
APR7.48%
Last UpdatedMay 3, 2026
Details

As Low As; Fixed

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
Lot Loan- 30/5YR Balloon Fixed
7.48%
APR7.48%
Last UpdatedMay 3, 2026
Details

As Low As; Fixed

Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
Signature Loans
8.25%
APR8.25%
Last UpdatedMay 3, 2026
Details

No additional details available.

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature/Unsecured
8.90%
APR8.90%
Last UpdatedMay 3, 2026
Details

As Low As; Up to 60 months & $10,000 max per member

CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
Holiday Loan***
8.99%
APR8.99%
Last UpdatedMay 3, 2026
Details

No additional details available.

CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
Personal Loans
8.99%
APR8.99%
Last UpdatedMay 3, 2026
Details

As Low As; APR = Annual Percentage Rate. Credit qualifications, terms, and conditions apply.

TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Personal Loan
9.00%
APR9.00%
Last UpdatedMay 3, 2026
Details

As Low As; Terms from 6 to 60 months

St Joe Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
Personal
9.49%
APR9.49%
Last UpdatedMay 3, 2026
Details

As Low As

Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
Signature Loans
9.75%
APR9.75%
Last UpdatedMay 3, 2026
Details

No additional details available.

Snake River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Personal Loan
10.00%
APR10.00%
Last UpdatedMay 3, 2026
Details

As Low As

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
Signature Loan
10.49%
APR10.49%
Last UpdatedMay 3, 2026
Details

As Low As

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Personal Loan
10.50%
APR10.50%
Last UpdatedMay 3, 2026
Details

As Low As

Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Personal Loan
10.75%
APR10.75%
Last UpdatedMay 3, 2026
Details

As Low As

CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
Consolidation Loans
10.99%
APR10.99%
Last UpdatedMay 3, 2026
Details

As Low As; APR = Annual Percentage Rate. **Monthly payments determined by loan amount, term, and APR. All loans, rates, and terms are subject to credit approval and creditworthiness, are subject to change at any time, and must meet Cutting Edge Federal Credit Union lending policies.

CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
Personal
10.99%
APR10.99%
Last UpdatedMay 3, 2026
Details

No additional details available.

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Personal Loan
11.00%
APR11.00%
Last UpdatedMay 3, 2026
Details

As Low As

Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Personal Loan
11.25%
APR11.25%
Last UpdatedMay 3, 2026
Details

As Low As

Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Lifestyle Loan
11.49%
APR11.49%
Last UpdatedMay 3, 2026
Details

No additional details available.

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Personal Loan
11.50%
APR11.50%
Last UpdatedMay 3, 2026
Details

As Low As

Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Personal Loan
11.75%
APR11.75%
Last UpdatedMay 3, 2026
Details

As Low As

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
Signature Loan
11.84%
APR11.84%
Last UpdatedMay 3, 2026
Details

As Low As

Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Lifestyle Loan
11.99%
APR11.99%
Last UpdatedMay 3, 2026
Details

No additional details available.

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Personal Loan
12.00%
APR12.00%
Last UpdatedMay 3, 2026
Details

As Low As

Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
Signature Loans
12.25%
APR12.25%
Last UpdatedMay 3, 2026
Details

No additional details available.

Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
Signature Loan
12.29%
APR12.29%
Last UpdatedMay 3, 2026
Details

As Low As; Regular APR: 17.99%

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
Personal Lines of Credit
12.45%
APR12.45%
Last UpdatedMay 3, 2026
Details

No additional details available.

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
PERSONAL
12.49%
APR12.49%
Last UpdatedMay 3, 2026
Details

As Low As; Fixed

Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Personal Loan
12.75%
APR12.75%
Last UpdatedMay 3, 2026
Details

As Low As

Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Lifestyle Loan
12.99%
APR12.99%
Last UpdatedMay 3, 2026
Details

No additional details available.

SEI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.32%
Signature
12.99%
APR12.99%
Last UpdatedMay 3, 2026
Details

No additional details available.

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Personal Loan
13.00%
APR13.00%
Last UpdatedMay 3, 2026
Details

As Low As

SEI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.32%
Signature
13.99%
APR13.99%
Last UpdatedMay 3, 2026
Details

No additional details available.

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Signature Loan
13.99%
APR13.99%
Last UpdatedMay 3, 2026
Details

No additional details available.

Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
Signature Loans
14.25%
APR14.25%
Last UpdatedMay 3, 2026
Details

No additional details available.

SEI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.32%
Signature
14.99%
APR14.99%
Last UpdatedMay 3, 2026
Details

No additional details available.

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
RESCU FIRST LOAN
15.00%
APR15.00%
Last UpdatedMay 3, 2026
Details

As Low As

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Signature Loan
15.99%
APR15.99%
Last UpdatedMay 3, 2026
Details

No additional details available.

CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
Holiday Loan***
16.00%
APR16.00%
Last UpdatedMay 3, 2026
Details

No additional details available.

CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
Personal
18.00%
APR18.00%
Last UpdatedMay 3, 2026
Details

No additional details available.

CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
Quick Loan
18.00%
APR18.00%
Last UpdatedMay 3, 2026
Details

APR = Annual Percentage Rate. $20 Quick Loan Application Fee and automatic savings deposit required. Borrowers may only have one Quick Loan at any time, and no more than three in a six-month rolling period. Terms and conditions apply.

CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
Quick Loan* (Payday Loan Alternative)
18.00%
APR18.00%
Last UpdatedMay 3, 2026
Details

No additional details available.

Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Signature Rewards
18.49%
APR18.49%
Last UpdatedMay 3, 2026
Details

As Low As

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
908 W MAIN ST, GRANGEVILLE, ID, 83530
Personal Loan
10.99%
APR10.99%
Last UpdatedMay 3, 2026
Details

As Low As

CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
Personal Loans
8.99%
APR8.99%
Last UpdatedMay 3, 2026
Details

As Low As; APR = Annual Percentage Rate. Credit qualifications, terms, and conditions apply.

TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
Personal Loan
9.00%
APR9.00%
Last UpdatedMay 3, 2026
Details

As Low As; Terms from 6 to 60 months

Snake River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Personal Loan
10.00%
APR10.00%
Last UpdatedMay 3, 2026
Details

As Low As

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Personal Loan
10.50%
APR10.50%
Last UpdatedMay 3, 2026
Details

As Low As

Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Personal Loan
10.75%
APR10.75%
Last UpdatedMay 3, 2026
Details

As Low As

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Personal Loan
11.00%
APR11.00%
Last UpdatedMay 3, 2026
Details

As Low As

Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Personal Loan
11.25%
APR11.25%
Last UpdatedMay 3, 2026
Details

As Low As

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Personal Loan
11.50%
APR11.50%
Last UpdatedMay 3, 2026
Details

As Low As

Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Personal Loan
11.75%
APR11.75%
Last UpdatedMay 3, 2026
Details

As Low As

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Personal Loan
12.00%
APR12.00%
Last UpdatedMay 3, 2026
Details

As Low As

Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Personal Loan
12.75%
APR12.75%
Last UpdatedMay 3, 2026
Details

As Low As

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Personal Loan
13.00%
APR13.00%
Last UpdatedMay 3, 2026
Details

As Low As

No debt consolidation personal loan rates found in Grangeville, ID currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
Signature Loans
8.25%
APR8.25%
Last UpdatedMay 3, 2026
Details

No additional details available.

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature/Unsecured
8.90%
APR8.90%
Last UpdatedMay 3, 2026
Details

As Low As; Up to 60 months & $10,000 max per member

Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
Signature Loans
9.75%
APR9.75%
Last UpdatedMay 3, 2026
Details

No additional details available.

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
Signature Loan
10.49%
APR10.49%
Last UpdatedMay 3, 2026
Details

As Low As

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
Signature Loan
11.84%
APR11.84%
Last UpdatedMay 3, 2026
Details

As Low As

Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
Signature Loans
12.25%
APR12.25%
Last UpdatedMay 3, 2026
Details

No additional details available.

Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
Signature Loan
12.29%
APR12.29%
Last UpdatedMay 3, 2026
Details

As Low As; Regular APR: 17.99%

SEI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.32%
Signature
12.99%
APR12.99%
Last UpdatedMay 3, 2026
Details

No additional details available.

SEI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.32%
Signature
13.99%
APR13.99%
Last UpdatedMay 3, 2026
Details

No additional details available.

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Signature Loan
13.99%
APR13.99%
Last UpdatedMay 3, 2026
Details

No additional details available.

Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
Signature Loans
14.25%
APR14.25%
Last UpdatedMay 3, 2026
Details

No additional details available.

SEI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.32%
Signature
14.99%
APR14.99%
Last UpdatedMay 3, 2026
Details

No additional details available.

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Signature Loan
15.99%
APR15.99%
Last UpdatedMay 3, 2026
Details

No additional details available.

Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Signature Rewards
18.49%
APR18.49%
Last UpdatedMay 3, 2026
Details

As Low As

No home improvement personal loan rates found in Grangeville, ID currently.

Grangeville, ID Personal Loan Rate Trends

Compare local Grangeville, ID 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.

View Full Idaho Personal Loan Trends →
Personal Loan — ID Avg
10.994%
▲ 0.211 vs 7 days ago

Idaho personal loan rates rose 0.211 points over the past 7 days to 10.994% APR.

Signature Loan — ID Avg
11.942%
▲ 0.260 vs 7 days ago

Idaho signature loan rates rose 0.260 points over the past 7 days to 11.942% APR.

As of May 3, 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 Idaho?

Most lenders in Grangeville, Idaho 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 Idaho often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Grangeville, Idaho 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 Idaho?

Yes. Debt consolidation is one of the most common uses of personal loans in Grangeville, Idaho. 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 Grangeville, Idaho?

Credit unions in Grangeville, Idaho 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 Grangeville, Idaho?

  • Potlatch No 1 Financial Credit Union: 10.99% (Personal Loan)
  • CAPITAL EDUCATORS: 4.00% (Educator Loan)
  • Northwest Christian Credit Union: 6.25% (Church/ Ministry Loans)
  • Mountain America Federal Credit Union: 6.38% (Construction Loan)
  • Numerica Credit Union: 6.74% (Toy Loans1)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Grangeville, Idaho. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026.