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Best Personal Loan Rates in Iowa - June 2026

Current personal loan options available to borrowers in Iowa include: Power Co-Op Employees Credit UnionPower Co-Op Employees Credit Union1208 13th St N, Humboldt, IA, 50548B+4.8 ★Texas Ratio: 17.22% offering Consumer Goods NEW 20% Down Loan at 3.99% APR, Community 1st Credit Union Ottumwa, IACommunity 1st Credit Union Ottumwa, IA739 Pennsylvania Ave, Ottumwa, IA, 52501B-4.3 ★Texas Ratio: 21.04% offering Consumer Loan at 4.75% APR, First Security B&T Co. IAFirst Security B&T Co. IA809 Clark St, Charles City, IA, 50616A5.0 ★Texas Ratio: 9.82% offering 2024 or Newer Loan at 5.56% APR, R.I.A. Federal Credit UnionR.I.A. Federal Credit Union4343 Utica Ridge Rd, Bettendorf, IA, 52722A5.0 ★Texas Ratio: 6.26% offering 2017-2019 Loan at 5.74% APR, and Farmers State Bank (Marion, IA)Farmers State Bank (Marion, IA)1240 8th Ave, Marion, IA, 52302A+5.0 ★Texas Ratio: 0.00% offering VA Loans at 6.00% APR. Personal loan rates as of June 11, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare personal loan rates across Iowa side-by-side. Iowa personal loan rates currently start as low as 3.99% APR from Power Co-Op Employees Credit Union at 1208 13th St N, Humboldt, IA, 50548. 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 Iowa.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Iowa. 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: June 11, 2026

Iowa Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Power Co-Op Employees Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.22%
1208 13th St N, Humboldt, IA, 50548
Consumer Goods NEW 20% Down Loan
3.99%
APR3.99%
Last UpdatedJune 12, 2026
Details

As Low As

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA, 52501
Consumer Loan
4.75%
APR4.75%
Last UpdatedJune 12, 2026
Details

As Low As; *

Power Co-Op Employees Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.22%
1208 13th St N, Humboldt, IA, 50548
Consumer Goods NEW 100% borrowed Loan
4.99%
APR4.99%
Last UpdatedJune 12, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
2024 or Newer Loan
5.56%
APR5.56%
Last UpdatedJune 12, 2026
Details

Annual Percentage Rate (APR) as low as

First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
2024 or Newer Loan
5.58%
APR5.58%
Last UpdatedJune 12, 2026
Details

Annual Percentage Rate (APR) as low as

First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
2024 or Newer Loan
5.61%
APR5.61%
Last UpdatedJune 12, 2026
Details

Annual Percentage Rate (APR) as low as

First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
2024 or Newer Loan
5.67%
APR5.67%
Last UpdatedJune 12, 2026
Details

Annual Percentage Rate (APR) as low as

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
2017-2019 Loan
5.74%
APR5.74%
Last UpdatedJune 12, 2026
Details

No additional details available.

Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1240 8th Ave, Marion, IA, 52302
VA Loans
6.00%
APR6.00%
Last UpdatedJune 12, 2026
Details

Interest Rate

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2022 - 2021 Loyalty Loan
6.04%
APR6.04%
Last UpdatedJune 12, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2020 - 2018 Loyalty Loan
6.14%
APR6.14%
Last UpdatedJune 12, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2021 - 2020 Loyalty Loan
6.14%
APR6.14%
Last UpdatedJune 12, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
2023 to 2017 Loan
6.23%
APR6.23%
Last UpdatedJune 12, 2026
Details

Annual Percentage Rate (APR) as low as

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2021 - 2020 Loyalty Loan
6.24%
APR6.24%
Last UpdatedJune 12, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
2023 to 2017 Loan
6.26%
APR6.26%
Last UpdatedJune 12, 2026
Details

Annual Percentage Rate (APR) as low as

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2019 - 2017 Loyalty Loan
6.29%
APR6.29%
Last UpdatedJune 12, 2026
Details

As Low As

Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1240 8th Ave, Marion, IA, 52302
VA Loan
6.32%
APR6.32%
Last UpdatedJune 12, 2026
Details

Interest Rate

First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
2023 to 2017 Loan
6.32%
APR6.32%
Last UpdatedJune 12, 2026
Details

Annual Percentage Rate (APR) as low as

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA, 52807
NEW Loan
6.38%
APR6.38%
Last UpdatedJune 12, 2026
Details

As Low As

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA, 52807
2023-2025 Loan
6.50%
APR6.50%
Last UpdatedJune 12, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2019 - 2017 Loyalty Loan
6.54%
APR6.54%
Last UpdatedJune 12, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2022 - 2021 Loan
6.54%
APR6.54%
Last UpdatedJune 12, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2020 - 2018 Loan
6.64%
APR6.64%
Last UpdatedJune 12, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2021 - 2020 Loan
6.64%
APR6.64%
Last UpdatedJune 12, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
120-month Power Equity Loan
6.72%
APR6.72%
Last UpdatedJune 12, 2026
Details

No additional details available.

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2021 - 2020 Loan
6.74%
APR6.74%
Last UpdatedJune 12, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2019 - 2017 Loan
6.79%
APR6.79%
Last UpdatedJune 12, 2026
Details

As Low As

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA, 52807
2020 - 2022 Loan
7.00%
APR7.00%
Last UpdatedJune 12, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2019 - 2017 Loan
7.04%
APR7.04%
Last UpdatedJune 12, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
2020-2027 Loan
7.19%
APR7.19%
Last UpdatedJune 12, 2026
Details

Under $25,000; As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
2006-2016 Loan
7.24%
APR7.24%
Last UpdatedJune 12, 2026
Details

No additional details available.

Lee County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
801 Avenue F, Fort Madison, IA, 52627
Personal Loan
7.25%
APR7.25%
Last UpdatedJune 12, 2026
Details

As Low As; Rates may vary based on creditworthiness and loan term.

Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
1200 Associates Dr, Dubuque, IA, 52002 2282
Loan
7.45%
APR7.45%
Last UpdatedJune 12, 2026
Details

No additional details available.

Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
1200 Associates Dr, Dubuque, IA, 52002 2282
Personal Loan
7.45%
APR7.45%
Last UpdatedJune 12, 2026
Details

As Low As; Offer valid 4/1/2026 - 6/30/2026. Valid only on new loans submitted and approved. Certain qualifications apply.

River Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
644 W 2nd St, Ottumwa, IA, 52501 2358
Personal Loans
7.50%
APR7.50%
Last UpdatedJune 12, 2026
Details

As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
2020-2027 Loan
7.69%
APR7.69%
Last UpdatedJune 12, 2026
Details

Over $25,000; As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
2016 or Older Loan
7.90%
APR7.90%
Last UpdatedJune 12, 2026
Details

Annual Percentage Rate (APR) as low as

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2017 and older Loyalty Loan
7.99%
APR7.99%
Last UpdatedJune 12, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) Up to 12 Months Relationship Rate
8.00%
APR8.00%
Last UpdatedJune 12, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2017 and older Loyalty Loan
8.04%
APR8.04%
Last UpdatedJune 12, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 13 to 24 Months Relationship Rate
8.20%
APR8.20%
Last UpdatedJune 12, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
Classics (50 years old minimum) Loan
8.24%
APR8.24%
Last UpdatedJune 12, 2026
Details

No additional details available.

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) Up to 12 Months
8.25%
APR8.25%
Last UpdatedJune 12, 2026
Details

As Low As

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA, 52807
2016 - 2019 Loan
8.38%
APR8.38%
Last UpdatedJune 12, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 25 to 36 Months Relationship Rate
8.45%
APR8.45%
Last UpdatedJune 12, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 13 to 24 Months
8.45%
APR8.45%
Last UpdatedJune 12, 2026
Details

As Low As

Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
1200 Associates Dr, Dubuque, IA, 52002 2282
Loan
8.45%
APR8.45%
Last UpdatedJune 12, 2026
Details

No additional details available.

First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Personal Loan
8.49%
APR8.49%
Last UpdatedJune 12, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Personal Loans
8.49%
APR8.49%
Last UpdatedJune 12, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2017 and older Loan
8.49%
APR8.49%
Last UpdatedJune 12, 2026
Details

As Low As

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA, 52501
Holiday Loan
8.49%
APR8.49%
Last UpdatedJune 12, 2026
Details

As low as ***

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2017 and older Loan
8.54%
APR8.54%
Last UpdatedJune 12, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 25 to 36 Months
8.70%
APR8.70%
Last UpdatedJune 12, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
36 Months Loan
8.79%
APR8.79%
Last UpdatedJune 12, 2026
Details

Special APR: 6.47%

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
24 Months Loan
8.82%
APR8.82%
Last UpdatedJune 12, 2026
Details

Special APR: 6.46%

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
48 Months Loan
8.97%
APR8.97%
Last UpdatedJune 12, 2026
Details

Special APR: 6.56%

Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
801 Lincoln Way, Ames, IA, 50010
Personal Loans
8.99%
APR8.99%
Last UpdatedJune 12, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
IMAGINE LOAN
8.99%
APR8.99%
Last UpdatedJune 12, 2026
Details

As Low As; Money for anything you can imagine. (Fixed term)

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
12 Months Loan
9.09%
APR9.09%
Last UpdatedJune 12, 2026
Details

Special APR: 6.68%

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
60 Months Loan
9.18%
APR9.18%
Last UpdatedJune 12, 2026
Details

Special APR: 6.67%

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
2006-2019 Loan
9.19%
APR9.19%
Last UpdatedJune 12, 2026
Details

Under $25,000; As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
Personal
9.25%
APR9.25%
Last UpdatedJune 12, 2026
Details

As Low As; Rate based on creditworthiness and term of loan.

Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
Personal Loans
9.25%
APR9.25%
Last UpdatedJune 12, 2026
Details

As Low As

Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
1200 Associates Dr, Dubuque, IA, 52002 2282
Loan
9.45%
APR9.45%
Last UpdatedJune 12, 2026
Details

No additional details available.

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 37 to 48 Months Relationship Rate
9.45%
APR9.45%
Last UpdatedJune 12, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Personal Loan
9.49%
APR9.49%
Last UpdatedJune 12, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
IMAGINE LOAN
9.49%
APR9.49%
Last UpdatedJune 12, 2026
Details

As Low As; Money for anything you can imagine. (Fixed term)

Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
Personal Loans
9.50%
APR9.50%
Last UpdatedJune 12, 2026
Details

As Low As

Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1602 S MONROE AVE, MASON CITY, IA, 50401
CLOSED END SIGNATURE Loan
9.50%
APR9.50%
Last UpdatedJune 12, 2026
Details

As Low As; UP TO 12 MONTHS

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2017 and older Loyalty Loan
9.69%
APR9.69%
Last UpdatedJune 12, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 37 to 48 Months
9.70%
APR9.70%
Last UpdatedJune 12, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
Personal Loans
9.75%
APR9.75%
Last UpdatedJune 12, 2026
Details

As Low As

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA, 52501
Consumer Loan
9.99%
APR9.99%
Last UpdatedJune 12, 2026
Details

As Low As;*

Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
115 8th Ave SW, Cedar Rapids, IA, 52404
Unsecured Loans 6 - 24 months
9.99%
APR9.99%
Last UpdatedJune 12, 2026
Details

No additional details available.

Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
115 8th Ave SW, Cedar Rapids, IA, 52404
Personal Loan
9.99%
APR9.99%
Last UpdatedJune 12, 2026
Details

As Low As

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2811 E 13th St, Ames, IA, 50010
Personal Loans Up to 12 Months
9.99%
APR9.99%
Last UpdatedJune 12, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
IMAGINE LOAN
9.99%
APR9.99%
Last UpdatedJune 12, 2026
Details

As Low As; Money for anything you can imagine. (Fixed term)

Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1400 2nd Ave, Des Moines, IA, 50314 3403
Signature
9.99%
APR9.99%
Last UpdatedJune 12, 2026
Details

As Low As

Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1602 S MONROE AVE, MASON CITY, IA, 50401
CLOSED END SIGNATURE Loan
10.00%
APR10.00%
Last UpdatedJune 12, 2026
Details

As Low As; 13 TO 36 MONTHS

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2017 and older Loan
10.19%
APR10.19%
Last UpdatedJune 12, 2026
Details

As Low As

Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1400 2nd Ave, Des Moines, IA, 50314 3403
Signature
10.29%
APR10.29%
Last UpdatedJune 12, 2026
Details

As Low As

Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
1200 Associates Dr, Dubuque, IA, 52002 2282
Loan
10.45%
APR10.45%
Last UpdatedJune 12, 2026
Details

No additional details available.

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) Up to 60 Relationship Rate
10.45%
APR10.45%
Last UpdatedJune 12, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Personal Loan
10.49%
APR10.49%
Last UpdatedJune 12, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
IMAGINE LOAN
10.49%
APR10.49%
Last UpdatedJune 12, 2026
Details

As Low As; Money for anything you can imagine. (Fixed term)

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2811 E 13th St, Ames, IA, 50010
Personal Loans 13 to 24 Months
10.49%
APR10.49%
Last UpdatedJune 12, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
2006-2019 Loan
10.69%
APR10.69%
Last UpdatedJune 12, 2026
Details

Over $25,000; As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) Up to 60
10.70%
APR10.70%
Last UpdatedJune 12, 2026
Details

As Low As

Citizens Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
115 S 29th St, Fort Dodge, IA, 50501
Unsecured Loans
10.90%
APR10.90%
Last UpdatedJune 12, 2026
Details

As Low As; APR = Annual Percentage Rate

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2811 E 13th St, Ames, IA, 50010
Personal Loans 25 to 36 Months
10.99%
APR10.99%
Last UpdatedJune 12, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
IMAGINE LOAN
10.99%
APR10.99%
Last UpdatedJune 12, 2026
Details

As Low As; Money for anything you can imagine. (Fixed term)

United Credit Union Council Bluffs, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1900 W Broadway, Council Bluffs, IA, 51501
Signature Loans
11.00%
APR11.00%
Last UpdatedJune 12, 2026
Details

No additional details available.

Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1602 S MONROE AVE, MASON CITY, IA, 50401
OPEN END SIGNATURE Loan
11.00%
APR11.00%
Last UpdatedJune 12, 2026
Details

As Low As; 24 MONTH REVIEW

Casebine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
485 W Burlington Ave, Burlington, IA, 52601
General Unsecured
11.04%
APR11.04%
Last UpdatedJune 12, 2026
Details

As Low As

Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.20%
2825 Avenue G, Council Bluffs, IA, 51501
Personal Loans (Unsecured)
11.24%
APR11.24%
Last UpdatedJune 12, 2026
Details

As Low As

North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
1207 North 2nd Street, Cherokee, IA, 51012
Signature (Closed End) Loan
11.24%
APR11.24%
Last UpdatedJune 12, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
Personal Loan Greater than
11.25%
APR11.25%
Last UpdatedJune 12, 2026
Details

$5,000

Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
1200 Associates Dr, Dubuque, IA, 52002 2282
Loan
11.45%
APR11.45%
Last UpdatedJune 12, 2026
Details

No additional details available.

Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.20%
2825 Avenue G, Council Bluffs, IA, 51501
Personal Loans (Unsecured)
11.49%
APR11.49%
Last UpdatedJune 12, 2026
Details

As Low As

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA, 52807
Personal Loan
11.50%
APR11.50%
Last UpdatedJune 12, 2026
Details

As low as; Max term 60 months

Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.20%
2825 Avenue G, Council Bluffs, IA, 51501
Personal Loans (Unsecured)
11.74%
APR11.74%
Last UpdatedJune 12, 2026
Details

As Low As

Sioux Valley Community Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.21%
1120 6th St, Sioux City, IA, 51101 1908
to $2,999 Unsecured
11.90%
APR11.90%
Last UpdatedJune 12, 2026
Details

Over $1,000

Sioux Valley Community Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.21%
1120 6th St, Sioux City, IA, 51101 1908
Unsecured
11.90%
APR11.90%
Last UpdatedJune 12, 2026
Details

Up to $1,000

Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
115 8th Ave SW, Cedar Rapids, IA, 52404
Unsecured Loans 25 - 48 months
11.99%
APR11.99%
Last UpdatedJune 12, 2026
Details

No additional details available.

First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Unsecured Loan
11.99%
APR11.99%
Last UpdatedJune 12, 2026
Details

As Low As; *

Marine Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.06%
915 Short St Ste 105, Decorah, IA, 52101 2412
Unsecured Loan
12.11%
APR12.11%
Last UpdatedJune 12, 2026
Details

As Low As; Rate based on $5,000 loan amount for 60 months with a monthly payment of $109.34. APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required.

Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.20%
2825 Avenue G, Council Bluffs, IA, 51501
Personal Loans (Unsecured)
12.24%
APR12.24%
Last UpdatedJune 12, 2026
Details

As Low As

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2811 E 13th St, Ames, IA, 50010
Personal Loans 37 to 60 Months
12.99%
APR12.99%
Last UpdatedJune 12, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Unsecured Loan
12.99%
APR12.99%
Last UpdatedJune 12, 2026
Details

As Low As; *

First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Unsecured Loan
12.99%
APR12.99%
Last UpdatedJune 12, 2026
Details

Annual Percentage Rate (APR) as low as*

First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Unsecured Loan
13.22%
APR13.22%
Last UpdatedJune 12, 2026
Details

Annual Percentage Rate (APR) as low as*

First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Unsecured Loan
13.47%
APR13.47%
Last UpdatedJune 12, 2026
Details

Annual Percentage Rate (APR) as low as*

Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA, 50265
Personal/Unsecured Loan
13.97%
APR13.97%
Last UpdatedJune 12, 2026
Details

No additional details available.

First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Unsecured Loan
13.99%
APR13.99%
Last UpdatedJune 12, 2026
Details

As Low As; *

Industrial Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1513 S 18th St, Centerville, IA, 52544
Signature
14.00%
APR14.00%
Last UpdatedJune 12, 2026
Details

No additional details available.

Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
2920 Gordon Dr, Sioux City, IA, 51105
Personal Loan
14.00%
APR14.00%
Last UpdatedJune 12, 2026
Details

No additional details available.

First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Small Dollar Loan
17.76%
APR17.76%
Last UpdatedJune 12, 2026
Details

As Low As;*

First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Safety Check Loan
18.00%
APR18.00%
Last UpdatedJune 12, 2026
Details

No additional details available.

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Rapid Cash Loan
18.99%
APR18.99%
Last UpdatedJune 12, 2026
Details

No additional details available.

Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 21.04%
739 Pennsylvania Ave, Ottumwa, IA, 52501
Payday Alternative Loan
19.00%
APR19.00%
Last UpdatedJune 12, 2026
Details

As low as **

Iowa Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Lee County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
801 Avenue F, Fort Madison, IA, 52627
Personal Loan
7.25%
APR7.25%
Last UpdatedJune 12, 2026
Details

As Low As; Rates may vary based on creditworthiness and loan term.

Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.19%
1200 Associates Dr, Dubuque, IA, 52002 2282
Personal Loan
7.45%
APR7.45%
Last UpdatedJune 12, 2026
Details

As Low As; Offer valid 4/1/2026 - 6/30/2026. Valid only on new loans submitted and approved. Certain qualifications apply.

River Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
644 W 2nd St, Ottumwa, IA, 52501 2358
Personal Loans
7.50%
APR7.50%
Last UpdatedJune 12, 2026
Details

As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) Up to 12 Months Relationship Rate
8.00%
APR8.00%
Last UpdatedJune 12, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 13 to 24 Months Relationship Rate
8.20%
APR8.20%
Last UpdatedJune 12, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) Up to 12 Months
8.25%
APR8.25%
Last UpdatedJune 12, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 13 to 24 Months
8.45%
APR8.45%
Last UpdatedJune 12, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 25 to 36 Months Relationship Rate
8.45%
APR8.45%
Last UpdatedJune 12, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Personal Loan
8.49%
APR8.49%
Last UpdatedJune 12, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Personal Loans
8.49%
APR8.49%
Last UpdatedJune 12, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 25 to 36 Months
8.70%
APR8.70%
Last UpdatedJune 12, 2026
Details

As Low As

Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
801 Lincoln Way, Ames, IA, 50010
Personal Loans
8.99%
APR8.99%
Last UpdatedJune 12, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
Personal Loans
9.25%
APR9.25%
Last UpdatedJune 12, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 37 to 48 Months Relationship Rate
9.45%
APR9.45%
Last UpdatedJune 12, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Personal Loan
9.49%
APR9.49%
Last UpdatedJune 12, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
Personal Loans
9.50%
APR9.50%
Last UpdatedJune 12, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) 37 to 48 Months
9.70%
APR9.70%
Last UpdatedJune 12, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
Personal Loans
9.75%
APR9.75%
Last UpdatedJune 12, 2026
Details

As Low As

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2811 E 13th St, Ames, IA, 50010
Personal Loans Up to 12 Months
9.99%
APR9.99%
Last UpdatedJune 12, 2026
Details

As Low As

Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
115 8th Ave SW, Cedar Rapids, IA, 52404
Personal Loan
9.99%
APR9.99%
Last UpdatedJune 12, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) Up to 60 Relationship Rate
10.45%
APR10.45%
Last UpdatedJune 12, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Personal Loan
10.49%
APR10.49%
Last UpdatedJune 12, 2026
Details

As Low As

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2811 E 13th St, Ames, IA, 50010
Personal Loans 13 to 24 Months
10.49%
APR10.49%
Last UpdatedJune 12, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Cross-Collateralized Loans (Personal Loans) Up to 60
10.70%
APR10.70%
Last UpdatedJune 12, 2026
Details

As Low As

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2811 E 13th St, Ames, IA, 50010
Personal Loans 25 to 36 Months
10.99%
APR10.99%
Last UpdatedJune 12, 2026
Details

As Low As

Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.20%
2825 Avenue G, Council Bluffs, IA, 51501
Personal Loans (Unsecured)
11.24%
APR11.24%
Last UpdatedJune 12, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
Personal Loan Greater than
11.25%
APR11.25%
Last UpdatedJune 12, 2026
Details

$5,000

Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.20%
2825 Avenue G, Council Bluffs, IA, 51501
Personal Loans (Unsecured)
11.49%
APR11.49%
Last UpdatedJune 12, 2026
Details

As Low As

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
4301 E 53rd St, Davenport, IA, 52807
Personal Loan
11.50%
APR11.50%
Last UpdatedJune 12, 2026
Details

As low as; Max term 60 months

Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.20%
2825 Avenue G, Council Bluffs, IA, 51501
Personal Loans (Unsecured)
11.74%
APR11.74%
Last UpdatedJune 12, 2026
Details

As Low As

Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.20%
2825 Avenue G, Council Bluffs, IA, 51501
Personal Loans (Unsecured)
12.24%
APR12.24%
Last UpdatedJune 12, 2026
Details

As Low As

River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2811 E 13th St, Ames, IA, 50010
Personal Loans 37 to 60 Months
12.99%
APR12.99%
Last UpdatedJune 12, 2026
Details

As Low As

Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
2920 Gordon Dr, Sioux City, IA, 51105
Personal Loan
14.00%
APR14.00%
Last UpdatedJune 12, 2026
Details

No additional details available.

Iowa Debt Consolidation Loan Rates

No debt consolidation personal loan rates found in Iowa currently.

Iowa Signature Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1602 S MONROE AVE, MASON CITY, IA, 50401
CLOSED END SIGNATURE Loan
9.50%
APR9.50%
Last UpdatedJune 12, 2026
Details

As Low As; UP TO 12 MONTHS

Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1400 2nd Ave, Des Moines, IA, 50314 3403
Signature
9.99%
APR9.99%
Last UpdatedJune 12, 2026
Details

As Low As

Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1602 S MONROE AVE, MASON CITY, IA, 50401
CLOSED END SIGNATURE Loan
10.00%
APR10.00%
Last UpdatedJune 12, 2026
Details

As Low As; 13 TO 36 MONTHS

Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
1400 2nd Ave, Des Moines, IA, 50314 3403
Signature
10.29%
APR10.29%
Last UpdatedJune 12, 2026
Details

As Low As

United Credit Union Council Bluffs, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1900 W Broadway, Council Bluffs, IA, 51501
Signature Loans
11.00%
APR11.00%
Last UpdatedJune 12, 2026
Details

No additional details available.

Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1602 S MONROE AVE, MASON CITY, IA, 50401
OPEN END SIGNATURE Loan
11.00%
APR11.00%
Last UpdatedJune 12, 2026
Details

As Low As; 24 MONTH REVIEW

North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
1207 North 2nd Street, Cherokee, IA, 51012
Signature (Closed End) Loan
11.24%
APR11.24%
Last UpdatedJune 12, 2026
Details

As Low As

Industrial Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1513 S 18th St, Centerville, IA, 52544
Signature
14.00%
APR14.00%
Last UpdatedJune 12, 2026
Details

No additional details available.

Iowa Personal Loan Rate Trends

Compare local Iowa 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 Iowa Personal Loan Trends →
Personal Loan — IA Avg
11.161%
▲ 0.342 vs 7 days ago

Iowa personal loan rates rose 0.342 points over the past 7 days to 11.161% APR.

Signature Loan — IA Avg
11.075%
▼ 0.525 vs 7 days ago

Iowa signature loan rates fell 0.525 points over the past 7 days to 11.075% APR.

As of Jun 12, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Iowa personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Iowa directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Iowa. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in IA.

Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.

Frequently Asked Questions

What credit score do I need for a personal loan in Iowa?

Most lenders in Iowa 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 Iowa often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Iowa 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 Iowa?

Yes. Debt consolidation is one of the most common uses of personal loans in Iowa. 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 Iowa?

Credit unions in Iowa 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 Iowa?

  • Power Co-Op Employees Credit Union: 3.99% (Consumer Goods NEW 20% Down Loan)
  • Community 1st Credit Union Ottumwa, IA: 4.75% (Consumer Loan)
  • First Security B&T Co. IA: 5.56% (2024 or Newer Loan)
  • R.I.A. Federal Credit Union: 5.74% (2017-2019 Loan)
  • Farmers State Bank (Marion, IA): 6.00% (VA Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Iowa. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 11, 2026.

Cities in Iowa

  • Ackley
  • Ackworth
  • Adair
  • Adel
  • Afton
  • Agency
  • Ainsworth
  • Akron
  • Albert City
  • Albia
  • Albion
  • Alburnett
  • Alden
  • Alexander
  • Algona
  • Alleman
  • Allendorf
  • Allerton
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  • Alta
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  • Alton
  • Altoona
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  • Ames
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  • Andrew
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  • Columbus City
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  • Colwell
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  • Donnellson
  • Doon
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  • Douds
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  • Dows
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  • Dunkerton
  • Dunlap
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  • Durant
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  • Dysart
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  • Early
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  • Eldora
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  • Ellston
  • Ellsworth
  • Elma
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  • Everly
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  • Exline
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  • Farley
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  • Ferguson
  • Fertile
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  • Frederika
  • Fremont
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  • Garwin
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  • Gilbertville
  • Gillett Grove
  • Gilman
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  • Gladbrook
  • Glenwood
  • Glidden
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  • Goodell
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  • Gowrie
  • Graettinger
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  • Grandview
  • Granger
  • Grant
  • Granville
  • Gravity
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  • Greeley
  • Greene
  • Greenfield
  • Greenville
  • Grimes
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  • Griswold
  • Grundy Center
  • Gruver
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  • Guthrie Center
  • Guttenberg
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  • Hamilton
  • Hamlin
  • Hampton
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  • Hartwick
  • Harvey
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  • Hedrick
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  • Ira
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  • Joice
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  • Kelley
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  • Kiron
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  • La Motte
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  • Lansing
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  • Lawton
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  • Lester
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  • Lorimor
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  • Lowden
  • Lu Verne
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  • Madrid
  • Magnolia
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  • Manson
  • Mapleton
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  • Marathon
  • Marble Rock
  • Marcus
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  • Marion
  • Marne
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  • Marshalltown
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  • Mason City
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  • Massena
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  • Maxwell
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  • Maynard
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  • Melcher
  • Melrose
  • Melvin
  • Menlo
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  • Miles
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  • Millerton
  • Milo
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  • Minden
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  • Mingo
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  • Mitchellville
  • Modale
  • Mondamin
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  • Monona
  • Monroe
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  • Montour
  • Montpelier
  • Montrose
  • Moorhead
  • Moorland
  • Moravia
  • Morley
  • Morning Sun
  • Morrison
  • Moscow
  • Moulton
  • Mount Auburn
  • Mount Ayr
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  • Mount Vernon
  • Moville
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  • Mystic
  • Nashua
  • Nemaha
  • Neola
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  • Newell
  • Newhall
  • Newton
  • Nichols
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  • Northboro
  • Northwood
  • Norwalk
  • Norway
  • Oakdale
  • Oakland
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  • Ocheyedan
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  • Ogden
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  • Olds
  • Olin
  • Ollie
  • Onawa
  • Onslow
  • Oran
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  • Orchard
  • Orient
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  • Ossian
  • Otho
  • Otley
  • Oto
  • Ottosen
  • Ottumwa
  • Oxford
  • Oxford Junction
  • Oyens
  • Pacific Junction
  • Packwood
  • Palmer
  • Palo
  • Panama
  • Panora
  • Parkersburg
  • Parnell
  • Paton
  • Patterson
  • Paullina
  • Pella
  • Peosta
  • Percival
  • Perry
  • Persia
  • Peru
  • Peterson
  • Pierson
  • Pilot Grove
  • Pilot Mound
  • Pisgah
  • Plainfield
  • Plano
  • Pleasant Hill
  • Pleasant Valley
  • Pleasantville
  • Plover
  • Plymouth
  • Pocahontas
  • Polk City
  • Pomeroy
  • Popejoy
  • Portsmouth
  • Postville
  • Prairie City
  • Prairieburg
  • Prescott
  • Preston
  • Primghar
  • Princeton
  • Prole
  • Promise City
  • Protivin
  • Pulaski
  • Quasqueton
  • Quimby
  • Radcliffe
  • Rake
  • Ralston
  • Randalia
  • Randall
  • Randolph
  • Raymond
  • Readlyn
  • Reasnor
  • Red Oak
  • Redding
  • Redfield
  • Reinbeck
  • Rembrandt
  • Remsen
  • Renwick
  • Rhodes
  • Riceville
  • Richland
  • Ricketts
  • Ridgeway
  • Rinard
  • Ringsted
  • Rippey
  • Riverside
  • Riverton
  • Robins
  • Rock Falls
  • Rock Rapids
  • Rock Valley
  • Rockford
  • Rockwell
  • Rockwell City
  • Rodney
  • Roland
  • Rolfe
  • Rome
  • Rose Hill
  • Rowan
  • Rowley
  • Royal
  • Rudd
  • Runnells
  • Russell
  • Ruthven
  • Rutland
  • Ryan
  • Sabula
  • Sac City
  • Saint Ansgar
  • Saint Anthony
  • Saint Charles
  • Saint Donatus
  • Saint Lucas
  • Saint Marys
  • Saint Olaf
  • Saint Paul
  • Salem
  • Salix
  • Sanborn
  • Scarville
  • Schaller
  • Schleswig
  • Scranton
  • Searsboro
  • Selma
  • Sergeant Bluff
  • Seymour
  • Shambaugh
  • Shannon City
  • Sharpsburg
  • Sheffield
  • Shelby
  • Sheldahl
  • Sheldon
  • Shell Rock
  • Shellsburg
  • Shenandoah
  • Sherrill
  • Sibley
  • Sidney
  • Sigourney
  • Silver City
  • Sioux Center
  • Sioux City
  • Sioux Rapids
  • Slater
  • Sloan
  • Smithland
  • Soldier
  • Solon
  • Somers
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  • Spencer
  • Sperry
  • Spillville
  • Spirit Lake
  • Spragueville
  • Springbrook
  • Springville
  • Stacyville
  • Stanhope
  • Stanley
  • Stanton
  • Stanwood
  • State Center
  • Steamboat Rock
  • Stockport
  • Stockton
  • Storm Lake
  • Story City
  • Stout
  • Stratford
  • Strawberry Point
  • Struble
  • Stuart
  • Sully
  • Sumner
  • Superior
  • Sutherland
  • Swaledale
  • Swan
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  • Swisher
  • Tabor
  • Tama
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  • Templeton
  • Tennant
  • Terril
  • Thayer
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  • Thor
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  • Thornton
  • Thurman
  • Tiffin
  • Tingley
  • Tipton
  • Titonka
  • Toddville
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  • Toledo
  • Tracy
  • Traer
  • Treynor
  • Tripoli
  • Troy Mills
  • Truesdale
  • Truro
  • Turin
  • Udell
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  • Union
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  • Ute
  • Vail
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  • Van Meter
  • Van Wert
  • Varina
  • Ventura
  • Victor
  • Villisca
  • Vincent
  • Vining
  • Vinton
  • Viola
  • Volga
  • Wadena
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  • Walford
  • Walker
  • Wall Lake
  • Wallingford
  • Walnut
  • Wapello
  • Washington
  • Washta
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  • Watkins
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  • Westphalia
  • Westside
  • Wever
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  • Williamson
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  • Yale
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  • Yorktown
  • Zearing
  • Zwingle