Best Personal Loan Rates in Ames, Iowa (IA) - April 2026
Content reviewed by
Brian McKay
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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 Iowa 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 Ames, Iowa include: Greater Iowa Credit UnionGreater Iowa Credit Union801 Lincoln Way, Ames, IA, 50010A5.0 ★Texas Ratio: 8.63% offering Personal Loans at 8.99% APR, River Valley Credit Union Ames, IARiver Valley Credit Union Ames, IA2811 E 13th St, Ames, IA, 50010A+5.0 ★Texas Ratio: 3.90% offering Personal Loan at 9.99% APR, Members1st Community Credit UnionMembers1st Community Credit Union423 Main St, Ames, IA, 50010A+5.0 ★Texas Ratio: 3.76% offering Personal/Signature Loan at 11.74% APR, Fort Dodge Family Credit UnionFort Dodge Family Credit UnionA5.0 ★Texas Ratio: 10.12% offering Teen Loan Special Unsecured at 5.60% APR, and Cedar Falls Community Credit UnionCedar Falls Community Credit UnionA+5.0 ★Texas Ratio: 3.75% offering 1 Year Construction Loan at 5.75% APR. Personal loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Ames has 3 local institutions in our database, with personal loan rates as low as 8.99% APR from Greater Iowa Credit Union at 801 Lincoln Way, Ames, IA, 50010. 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 Ames, Iowa.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Ames, 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: April 27, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
801 Lincoln Way, Ames, IA, 50010
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 29, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
2811 E 13th St, Ames, IA, 50010
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
2811 E 13th St, Ames, IA, 50010
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 29, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
2811 E 13th St, Ames, IA, 50010
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
Personal/Signature Loan
11.74%
▼
APR11.74%
Last UpdatedApril 29, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
Personal/Signature Loan
12.74%
▼
APR12.74%
Last UpdatedApril 29, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
2811 E 13th St, Ames, IA, 50010
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 29, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Teen Loan Special Unsecured
5.60%
▼
APR5.60%
Last UpdatedApril 29, 2026
Details
No additional details available.
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1 Year Construction Loan
5.75%
▼
APR5.75%
Last UpdatedApril 29, 2026
Details
No additional details available.
APR6.45%
Last UpdatedApril 29, 2026
Details
Contact FSB's Mortgage Department at 319-730-6990 for personalized rate information.
APR6.45%
Last UpdatedApril 29, 2026
Details
No additional details available.
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Recreational Loans
7.25%
▼
APR7.25%
Last UpdatedApril 29, 2026
Details
As Low As; 2024 or Newer
APR7.45%
Last UpdatedApril 29, 2026
Details
As Low As; Offer valid 4/1/2026 - 6/30/2026. Valid only on new loans submitted and approved. Certain qualifications apply.
APR7.45%
Last UpdatedApril 29, 2026
Details
No additional details available.
River Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedApril 29, 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.
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Recreational Loans
7.75%
▼
APR7.75%
Last UpdatedApril 29, 2026
Details
As Low As; 2023-2021
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
Construction Loan
7.93%
▼
APR7.93%
Last UpdatedApril 29, 2026
Details
Credit Score: 700+
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) Up to 12 Months Relationship Rate
8.00%
▼
APR8.00%
Last UpdatedApril 29, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 13 to 24 Months Relationship Rate
8.20%
▼
APR8.20%
Last UpdatedApril 29, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Recreational Loans
8.25%
▼
APR8.25%
Last UpdatedApril 29, 2026
Details
As Low As; 2020-2018
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) Up to 12 Months
8.25%
▼
APR8.25%
Last UpdatedApril 29, 2026
Details
As Low As
APR8.45%
Last UpdatedApril 29, 2026
Details
No additional details available.
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 13 to 24 Months
8.45%
▼
APR8.45%
Last UpdatedApril 29, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 25 to 36 Months Relationship Rate
8.45%
▼
APR8.45%
Last UpdatedApril 29, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 29, 2026
Details
As Low As
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
Holiday Loan
8.49%
▼
APR8.49%
Last UpdatedApril 29, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
Credit Builder Loan
8.50%
▼
APR8.50%
Last UpdatedApril 29, 2026
Details
As Low As; (fixed)
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 25 to 36 Months
8.70%
▼
APR8.70%
Last UpdatedApril 29, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Recreational Loans
8.75%
▼
APR8.75%
Last UpdatedApril 29, 2026
Details
As Low As; 2017 or Older
APR8.99%
Last UpdatedApril 29, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
9.00%
▼
APR9.00%
Last UpdatedApril 29, 2026
Details
Unsecured Limit: $20K
Family Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedApril 29, 2026
Details
As Low As; * Actual Rate you receive is based on your credit score and term.
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
Unsecured Personal Loan
9.10%
▼
APR9.10%
Last UpdatedApril 29, 2026
Details
As Low As
APR9.25%
Last UpdatedApril 29, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
APR9.25%
Last UpdatedApril 29, 2026
Details
As Low As
APR9.45%
Last UpdatedApril 29, 2026
Details
No additional details available.
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 37 to 48 Months Relationship Rate
9.45%
▼
APR9.45%
Last UpdatedApril 29, 2026
Details
As Low As
APR9.49%
Last UpdatedApril 29, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
9.50%
▼
APR9.50%
Last UpdatedApril 29, 2026
Details
Unsecured Limit: $20K
APR9.50%
Last UpdatedApril 29, 2026
Details
As Low As
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
CLOSED END SIGNATURE
9.50%
▼
APR9.50%
Last UpdatedApril 29, 2026
Details
As Low As; UP TO 12 MONTHS
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
Unsecured Personal Loan
9.60%
▼
APR9.60%
Last UpdatedApril 29, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 37 to 48 Months
9.70%
▼
APR9.70%
Last UpdatedApril 29, 2026
Details
As Low As
APR9.75%
Last UpdatedApril 29, 2026
Details
As Low As
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Unsecured Loans 6 - 24 months
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As; 9.99 to 24.99
APR9.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
Consumer Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
CLOSED END SIGNATURE
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
As Low As; 13 TO 36 MONTHS
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
Unsecured Limit: $20K
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
Unsecured
10.25%
▼
APR10.25%
Last UpdatedApril 29, 2026
Details
As Low As
APR10.29%
Last UpdatedApril 29, 2026
Details
As Low As
APR10.45%
Last UpdatedApril 29, 2026
Details
No additional details available.
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) Up to 60 Relationship Rate
10.45%
▼
APR10.45%
Last UpdatedApril 29, 2026
Details
As Low As
APR10.49%
Last UpdatedApril 29, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 29, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) Up to 60
10.70%
▼
APR10.70%
Last UpdatedApril 29, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
Unsecured
10.75%
▼
APR10.75%
Last UpdatedApril 29, 2026
Details
As Low As
Citizens Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Unsecured Loans
10.90%
▼
APR10.90%
Last UpdatedApril 29, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
OPEN END SIGNATURE
11.00%
▼
APR11.00%
Last UpdatedApril 29, 2026
Details
As Low As; 24 MONTH REVIEW
United Credit Union Council Bluffs, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
11.00%
▼
APR11.00%
Last UpdatedApril 29, 2026
Details
Unsecured Limit: $20K
Casebine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
General Unsecured
11.04%
▼
APR11.04%
Last UpdatedApril 29, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Personal Loans (Unsecured)
11.24%
▼
APR11.24%
Last UpdatedApril 29, 2026
Details
As Low As
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.47%
Signature (Closed End)
11.24%
▼
APR11.24%
Last UpdatedApril 29, 2026
Details
As Low As
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
Personal Loan Greater than
11.25%
▼
APR11.25%
Last UpdatedApril 29, 2026
Details
$5,000
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
Unsecured
11.25%
▼
APR11.25%
Last UpdatedApril 29, 2026
Details
As Low As
APR11.45%
Last UpdatedApril 29, 2026
Details
No additional details available.
APR11.49%
Last UpdatedApril 29, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Personal Loans (Unsecured)
11.49%
▼
APR11.49%
Last UpdatedApril 29, 2026
Details
As Low As
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
Unsecured Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 29, 2026
Details
As Low As
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
Signature loans - No collateral required
11.50%
▼
APR11.50%
Last UpdatedApril 29, 2026
Details
APR (Rate is based on credit score and automatic payment)
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Personal Loans (Unsecured)
11.74%
▼
APR11.74%
Last UpdatedApril 29, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
Unsecured
11.75%
▼
APR11.75%
Last UpdatedApril 29, 2026
Details
As Low As
Sioux Valley Community Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.29%
to $2,999 Unsecured
11.90%
▼
APR11.90%
Last UpdatedApril 29, 2026
Details
Over $1,000
Sioux Valley Community Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.29%
Unsecured
11.90%
▼
APR11.90%
Last UpdatedApril 29, 2026
Details
Up to $1,000
First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
Unsecured Loan
11.99%
▼
APR11.99%
Last UpdatedApril 29, 2026
Details
As Low As
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Unsecured Loans 25 - 48 months
11.99%
▼
APR11.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Unsecured Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 29, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
12.00%
▼
APR12.00%
Last UpdatedApril 29, 2026
Details
Unsecured Limit: $20K
APR12.11%
Last UpdatedApril 29, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Personal Loans (Unsecured)
12.24%
▼
APR12.24%
Last UpdatedApril 29, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
Unsecured
12.25%
▼
APR12.25%
Last UpdatedApril 29, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 29, 2026
Details
As Low As
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Unsecured Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 29, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
Unsecured
12.75%
▼
APR12.75%
Last UpdatedApril 29, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
Unsecured Loan
12.99%
▼
APR12.99%
Last UpdatedApril 29, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
Unsecured - 36 Months
12.99%
▼
APR12.99%
Last UpdatedApril 29, 2026
Details
Monthly Payment: $165.93
First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
Unsecured - 48 Months
13.22%
▼
APR13.22%
Last UpdatedApril 29, 2026
Details
Monthly Payment: $132.65
First Security B&T Co. IA
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
Unsecured - 24 Months
13.47%
▼
APR13.47%
Last UpdatedApril 29, 2026
Details
Monthly Payment: $235.23
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Signature Loan & Personal Loan
13.50%
▼
APR13.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
Unsecured Loan
13.99%
▼
APR13.99%
Last UpdatedApril 29, 2026
Details
As Low As
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature
14.00%
▼
APR14.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
Personal - (36 Month Term)
14.00%
▼
APR14.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
APR14.74%
Last UpdatedApril 29, 2026
Details
Regular APR: 14.74% - 24.74%
APR18.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
Payday Alternative Loan
19.00%
▼
APR19.00%
Last UpdatedApril 29, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
801 Lincoln Way, Ames, IA, 50010
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 29, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
2811 E 13th St, Ames, IA, 50010
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
2811 E 13th St, Ames, IA, 50010
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 29, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
2811 E 13th St, Ames, IA, 50010
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
2811 E 13th St, Ames, IA, 50010
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 29, 2026
Details
As Low As
APR7.45%
Last UpdatedApril 29, 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: 2.04%
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedApril 29, 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: 1.37%
Cross-Collateralized Loans (Personal Loans) Up to 12 Months Relationship Rate
8.00%
▼
APR8.00%
Last UpdatedApril 29, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 13 to 24 Months Relationship Rate
8.20%
▼
APR8.20%
Last UpdatedApril 29, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) Up to 12 Months
8.25%
▼
APR8.25%
Last UpdatedApril 29, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 25 to 36 Months Relationship Rate
8.45%
▼
APR8.45%
Last UpdatedApril 29, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 13 to 24 Months
8.45%
▼
APR8.45%
Last UpdatedApril 29, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 29, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 25 to 36 Months
8.70%
▼
APR8.70%
Last UpdatedApril 29, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
9.00%
▼
APR9.00%
Last UpdatedApril 29, 2026
Details
Unsecured Limit: $20K
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
Unsecured Personal Loan
9.10%
▼
APR9.10%
Last UpdatedApril 29, 2026
Details
As Low As
APR9.25%
Last UpdatedApril 29, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 37 to 48 Months Relationship Rate
9.45%
▼
APR9.45%
Last UpdatedApril 29, 2026
Details
As Low As
APR9.50%
Last UpdatedApril 29, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
9.50%
▼
APR9.50%
Last UpdatedApril 29, 2026
Details
Unsecured Limit: $20K
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
Unsecured Personal Loan
9.60%
▼
APR9.60%
Last UpdatedApril 29, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) 37 to 48 Months
9.70%
▼
APR9.70%
Last UpdatedApril 29, 2026
Details
As Low As
APR9.75%
Last UpdatedApril 29, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
Consumer Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
Unsecured Limit: $20K
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) Up to 60 Relationship Rate
10.45%
▼
APR10.45%
Last UpdatedApril 29, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 29, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Cross-Collateralized Loans (Personal Loans) Up to 60
10.70%
▼
APR10.70%
Last UpdatedApril 29, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
11.00%
▼
APR11.00%
Last UpdatedApril 29, 2026
Details
Unsecured Limit: $20K
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Personal Loans (Unsecured)
11.24%
▼
APR11.24%
Last UpdatedApril 29, 2026
Details
As Low As
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
Personal Loan Greater than
11.25%
▼
APR11.25%
Last UpdatedApril 29, 2026
Details
$5,000
APR11.49%
Last UpdatedApril 29, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Personal Loans (Unsecured)
11.49%
▼
APR11.49%
Last UpdatedApril 29, 2026
Details
As Low As
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
Unsecured Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 29, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Personal Loans (Unsecured)
11.74%
▼
APR11.74%
Last UpdatedApril 29, 2026
Details
As Low As
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Unsecured Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 29, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
12.00%
▼
APR12.00%
Last UpdatedApril 29, 2026
Details
Unsecured Limit: $20K
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Personal Loans (Unsecured)
12.24%
▼
APR12.24%
Last UpdatedApril 29, 2026
Details
As Low As
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Unsecured Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 29, 2026
Details
As Low As
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 29, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Signature Loan & Personal Loan
13.50%
▼
APR13.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
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MonitorBankRates
No debt consolidation personal loan rates found in Ames, IA currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
Personal/Signature Loan
11.74%
▼
APR11.74%
Last UpdatedApril 29, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
Personal/Signature Loan
12.74%
▼
APR12.74%
Last UpdatedApril 29, 2026
Details
As Low As
Family Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedApril 29, 2026
Details
As Low As; * Actual Rate you receive is based on your credit score and term.
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
CLOSED END SIGNATURE
9.50%
▼
APR9.50%
Last UpdatedApril 29, 2026
Details
As Low As; UP TO 12 MONTHS
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As; 9.99 to 24.99
APR9.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
CLOSED END SIGNATURE
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
As Low As; 13 TO 36 MONTHS
APR10.29%
Last UpdatedApril 29, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
OPEN END SIGNATURE
11.00%
▼
APR11.00%
Last UpdatedApril 29, 2026
Details
As Low As; 24 MONTH REVIEW
United Credit Union Council Bluffs, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.47%
Signature (Closed End)
11.24%
▼
APR11.24%
Last UpdatedApril 29, 2026
Details
As Low As
Ascentra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
Signature loans - No collateral required
11.50%
▼
APR11.50%
Last UpdatedApril 29, 2026
Details
APR (Rate is based on credit score and automatic payment)
Cent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Signature Loan & Personal Loan
13.50%
▼
APR13.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature
14.00%
▼
APR14.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
APR14.74%
Last UpdatedApril 29, 2026
Details
Regular APR: 14.74% - 24.74%
Powered by
MonitorBankRates
No home improvement personal loan rates found in Ames, IA currently.
Ames, IA Personal Loan Rate Trends
Compare local Ames, IA 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 — IA Avg
10.501%
▼ 0.368 vs 7 days ago
Iowa personal loan rates fell 0.368 points over the past 7 days to 10.501% APR.
Signature Loan — IA Avg
11.950%
Unchanged vs 7 days ago
Iowa signature loan rates currently average 11.950% APR.
As of Apr 29, 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 Iowa?
Most lenders in Ames, 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 Ames, 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 Ames, 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 Ames, Iowa?
Credit unions in Ames, 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 Ames, Iowa?
- Greater Iowa Credit Union: 8.99% (Personal Loans)
- River Valley Credit Union Ames, IA: 9.99% (Personal Loan)
- Members1st Community Credit Union: 11.74% (Personal/Signature Loan)
- Fort Dodge Family Credit Union: 5.60% (Teen Loan Special Unsecured)
- Cedar Falls Community Credit Union: 5.75% (1 Year Construction Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Ames, Iowa. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 27, 2026.
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