Best Personal Loan Rates in Cedar Rapids, 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 Cedar Rapids, Iowa include: Farmers State Bank (Marion, IA)Farmers State Bank (Marion, IA)399 Edgewood Rd Nw, Cedar Rapids, IA, 52405A+5.0 ★Texas Ratio: 0.00% offering VA Loans at 6.12% APR, Aim Credit UnionAim Credit Union1305 1st Ave SE, Cedar Rapids, IA, 52402 5009A+5.0 ★Texas Ratio: 5.45% offering Loan at 7.45% APR, Community 1st Credit Union Ottumwa, IACommunity 1st Credit Union Ottumwa, IA1030 Sierra Dr NE, Cedar Rapids, IA, 52402 6578B-4.3 ★Texas Ratio: 23.52% offering Holiday Loan at 8.49% APR, Collins Community Credit UnionCollins Community Credit Union1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292B-4.3 ★Texas Ratio: 23.97% offering Credit Builder Loan at 8.50% APR, and City & County Credit UnionCity & County Credit Union4800 Edgewood Rd SW, Cedar Rapids, IA, 52404 7220A+5.0 ★Texas Ratio: 1.42% offering Low-Rate Personal Loan at 8.99% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Cedar Rapids has 9 local institutions in our database, with personal loan rates as low as 6.12% APR from Farmers State Bank (Marion, IA) at 399 Edgewood Rd Nw, Cedar Rapids, IA, 52405. 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 Cedar Rapids, Iowa.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Cedar Rapids, 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 6, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
399 Edgewood Rd Nw, Cedar Rapids, IA, 52405
VA Loans
6.13%
▼
APR6.13%
Last UpdatedApril 6, 2026
Details
No additional details available.
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
399 Edgewood Rd Nw, Cedar Rapids, IA, 52405
VA Loans
6.45%
▼
APR6.45%
Last UpdatedApril 6, 2026
Details
No additional details available.
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1305 1st Ave SE, Cedar Rapids, IA, 52402 5009
Loan
7.45%
▼
APR7.45%
Last UpdatedApril 6, 2026
Details
No additional details available.
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1305 1st Ave SE, Cedar Rapids, IA, 52402 5009
Loan
8.45%
▼
APR8.45%
Last UpdatedApril 6, 2026
Details
No additional details available.
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
1030 Sierra Dr NE, Cedar Rapids, IA, 52402 6578
Holiday Loan
8.49%
▼
APR8.49%
Last UpdatedApril 6, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Credit Builder Loan
8.50%
▼
APR8.50%
Last UpdatedApril 6, 2026
Details
As Low As; (fixed)
City & County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
4800 Edgewood Rd SW, Cedar Rapids, IA, 52404 7220
Low-Rate Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 6, 2026
Details
As Low As; Flexible loan terms; Plus - make no payments for 60 days!
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Unsecured Personal Loan
9.10%
▼
APR9.10%
Last UpdatedApril 6, 2026
Details
As Low As
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1305 1st Ave SE, Cedar Rapids, IA, 52402 5009
Loan
9.45%
▼
APR9.45%
Last UpdatedApril 6, 2026
Details
No additional details available.
Quaker Oats Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3535 CENTER POINT RD NE, CEDAR RAPIDS, IA, 52402
Signature Loan
9.50%
▼
APR9.50%
Last UpdatedApril 6, 2026
Details
No additional details available.
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
201 1st St Se, Cedar Rapids, IA, 52401
Unsecured Loan
9.51%
▼
APR9.51%
Last UpdatedApril 6, 2026
Details
No additional details available.
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Unsecured Personal Loan
9.60%
▼
APR9.60%
Last UpdatedApril 6, 2026
Details
As Low As
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
1030 Sierra Dr NE, Cedar Rapids, IA, 52402 6578
Consumer Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
As Low As
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
115 8th Ave SW, Cedar Rapids, IA, 52404
Unsecured Loans 6 - 24 months
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
No additional details available.
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1305 1st Ave SE, Cedar Rapids, IA, 52402 5009
Loan
10.45%
▼
APR10.45%
Last UpdatedApril 6, 2026
Details
No additional details available.
Quaker Oats Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3535 CENTER POINT RD NE, CEDAR RAPIDS, IA, 52402
Signature Loan
10.50%
▼
APR10.50%
Last UpdatedApril 6, 2026
Details
UP TO 36 months
Aim Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
1305 1st Ave SE, Cedar Rapids, IA, 52402 5009
Loan
11.45%
▼
APR11.45%
Last UpdatedApril 6, 2026
Details
No additional details available.
First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
Unsecured
11.99%
▼
APR11.99%
Last UpdatedApril 6, 2026
Details
As Low As
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
115 8th Ave SW, Cedar Rapids, IA, 52404
Unsecured Loans 25 - 48 months
11.99%
▼
APR11.99%
Last UpdatedApril 6, 2026
Details
No additional details available.
First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
Unsecured
12.99%
▼
APR12.99%
Last UpdatedApril 6, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
Unsecured
13.99%
▼
APR13.99%
Last UpdatedApril 6, 2026
Details
As Low As
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
1030 Sierra Dr NE, Cedar Rapids, IA, 52402 6578
Payday Alternative Loan
19.00%
▼
APR19.00%
Last UpdatedApril 6, 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 6, 2026
Details
No additional details available.
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1 Year Construction Loan
5.63%
▼
APR5.63%
Last UpdatedApril 6, 2026
Details
No additional details available.
APR5.69%
Last UpdatedApril 6, 2026
Details
No additional details available.
Fidelity Bank & Trust (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
Construction Loan*
5.80%
▼
APR5.80%
Last UpdatedApril 6, 2026
Details
No additional details available.
APR5.99%
Last UpdatedApril 6, 2026
Details
Offer valid on equipment term loans only.. No lines of credit. Offer expires 4/15/2026. No refinancing of Northwest exisiting debt. SBA Loans and business credit cards are not eligible for promotional offer. All standard rates and terms apply.
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
New 2024 & Newer Model Year Recreation Loan
6.19%
▼
APR6.19%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
New 2024 & Newer Model Year Recreation Loan
6.44%
▼
APR6.44%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2022-2023 Model Year Recreation Loan
6.69%
▼
APR6.69%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
New 2024 & Newer Model Year Recreation Loan
6.69%
▼
APR6.69%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2020-2021 Model Year Recreation Loan
6.94%
▼
APR6.94%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2022-2023 Model Year Recreation Loan
6.94%
▼
APR6.94%
Last UpdatedApril 6, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 6, 2026
Details
$12K Unsecured Limit
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2022-2023 Model Year Recreation Loan
7.19%
▼
APR7.19%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
New 2024 & Newer Model Year Recreation Loan
7.19%
▼
APR7.19%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2020-2021 Model Year Recreation Loan
7.19%
▼
APR7.19%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2019 & Older Model Year Recreation Loan
7.19%
▼
APR7.19%
Last UpdatedApril 6, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Recreational Loans
7.25%
▼
APR7.25%
Last UpdatedApril 6, 2026
Details
As Low As; Up to 72 Months
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2019 & Older Model Year Recreation Loan
7.44%
▼
APR7.44%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2020-2021 Model Year Recreation Loan
7.44%
▼
APR7.44%
Last UpdatedApril 6, 2026
Details
As Low As
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Unsecured Loans
7.50%
▼
APR7.50%
Last UpdatedApril 6, 2026
Details
up to $8000; Call Tim for more details at 563-582-9515.
DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
Lot Loan (75% LTV)
7.51%
▼
APR7.51%
Last UpdatedApril 6, 2026
Details
$35,000
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
New Consumer Goods Loan (20% Down)
7.65%
▼
APR7.65%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
New 2024 & Newer Model Year Recreation Loan
7.69%
▼
APR7.69%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2022-2023 Model Year Recreation Loan
7.69%
▼
APR7.69%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2019 & Older Model Year Recreation Loan
7.69%
▼
APR7.69%
Last UpdatedApril 6, 2026
Details
As Low As
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Unsecured Loans
7.75%
▼
APR7.75%
Last UpdatedApril 6, 2026
Details
up to $8000; Call Tim for more details at 563-582-9515.
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Recreational Loans
7.75%
▼
APR7.75%
Last UpdatedApril 6, 2026
Details
As Low As; Up to 72 Months
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
New 2024 & Newer Model Year Recreation Loan
7.85%
▼
APR7.85%
Last UpdatedApril 6, 2026
Details
As Low As
Premier Bank Dubuque, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
Construction Loan
7.93%
▼
APR7.93%
Last UpdatedApril 6, 2026
Details
Credit Score: 700+
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2020-2021 Model Year Recreation Loan
7.94%
▼
APR7.94%
Last UpdatedApril 6, 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 Relationship Rate
8.00%
▼
APR8.00%
Last UpdatedApril 6, 2026
Details
As Low As
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Unsecured Loans
8.00%
▼
APR8.00%
Last UpdatedApril 6, 2026
Details
up to $8000; Call Tim for more details at 563-582-9515.
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 6, 2026
Details
$12K Unsecured Limit
DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
Lot Loan (80% LTV)
8.02%
▼
APR8.02%
Last UpdatedApril 6, 2026
Details
$35,000
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2022-2023 Model Year Recreation Loan
8.15%
▼
APR8.15%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2019 & Older Model Year Recreation Loan
8.19%
▼
APR8.19%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2022-2023 Model Year Recreation Loan
8.19%
▼
APR8.19%
Last UpdatedApril 6, 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 6, 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 6, 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 6, 2026
Details
As Low As; Up to 72 Months
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2020-2021 Model Year Recreation Loan
8.44%
▼
APR8.44%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2020-2021 Model Year Recreation Loan
8.45%
▼
APR8.45%
Last UpdatedApril 6, 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 6, 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 6, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Personal Loan
8.49%
▼
APR8.49%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2019 & Older Model Year Recreation Loan
8.60%
▼
APR8.60%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
New Consumer Goods Loan (0% Down)
8.65%
▼
APR8.65%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
New Consumer Goods Loan (20% Down)
8.65%
▼
APR8.65%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
2019 & Older Model Year Recreation Loan
8.69%
▼
APR8.69%
Last UpdatedApril 6, 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 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Signature Loans
8.75%
▼
APR8.75%
Last UpdatedApril 6, 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 6, 2026
Details
As Low As; Up to 48 Months
APR8.75%
Last UpdatedApril 6, 2026
Details
Limited time offer based on capacity to repay. Personal loan example: 48 monthly payments of $24.77 per $1,000 borrowed at 8.75% APR. All loans are subject to approval.
APR8.99%
Last UpdatedApril 6, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
APR8.99%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 6, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedApril 6, 2026
Details
$12K Unsecured Limit
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
9.00%
▼
APR9.00%
Last UpdatedApril 6, 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 6, 2026
Details
As Low As; Actual Rate you receive is based on your credit score and term.
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Used Consumer Goods Loan (Wholesale)
9.15%
▼
APR9.15%
Last UpdatedApril 6, 2026
Details
As Low As
APR9.25%
Last UpdatedApril 6, 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 6, 2026
Details
As Low As
APR9.49%
Last UpdatedApril 6, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 6, 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 6, 2026
Details
As Low As; UP TO 12 MONTHS
APR9.50%
Last UpdatedApril 6, 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 6, 2026
Details
Unsecured Limit: $20K
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedApril 6, 2026
Details
$12K Unsecured Limit
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
New Consumer Goods Loan (0% Down)
9.65%
▼
APR9.65%
Last UpdatedApril 6, 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 6, 2026
Details
As Low As
APR9.75%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Signature Loans
9.75%
▼
APR9.75%
Last UpdatedApril 6, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 6, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 6, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
APR9.99%
Last UpdatedApril 6, 2026
Details
Offer available through August 1, 2026.
APR9.99%
Last UpdatedApril 6, 2026
Details
No additional details available.
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 6, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
No Collateral Loan
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
No additional details available.
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 6, 2026
Details
$12K Unsecured Limit
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
10.00%
▼
APR10.00%
Last UpdatedApril 6, 2026
Details
Unsecured Limit: $20K
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
CLOSED END SIGNATURE
10.00%
▼
APR10.00%
Last UpdatedApril 6, 2026
Details
As Low As; 13 TO 36 MONTHS
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Used Consumer Goods Loan (Retail)
10.15%
▼
APR10.15%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Used Consumer Goods Loan (Wholesale)
10.15%
▼
APR10.15%
Last UpdatedApril 6, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
Unsecured
10.25%
▼
APR10.25%
Last UpdatedApril 6, 2026
Details
As Low As
The Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
Variable APR (80.1% to 100% Loan to Value)
10.25%
▼
APR10.25%
Last UpdatedApril 6, 2026
Details
Floor 6.75%
APR10.29%
Last UpdatedApril 6, 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 Relationship Rate
10.45%
▼
APR10.45%
Last UpdatedApril 6, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 6, 2026
Details
As Low As
APR10.49%
Last UpdatedApril 6, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 6, 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 6, 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 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedApril 6, 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 6, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 6, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
No Collateral Loan
10.99%
▼
APR10.99%
Last UpdatedApril 6, 2026
Details
No additional details available.
APR10.99%
Last UpdatedApril 6, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 6, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 6, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 6, 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 6, 2026
Details
As Low As; 24 MONTH REVIEW
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
11.00%
▼
APR11.00%
Last UpdatedApril 6, 2026
Details
Unsecured Limit: $20K
United Credit Union Council Bluffs, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
Casebine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
General Unsecured
11.04%
▼
APR11.04%
Last UpdatedApril 6, 2026
Details
As Low As
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
Signature Loan
11.09%
▼
APR11.09%
Last UpdatedApril 6, 2026
Details
APR based on $10,000 loan and $250 fee (e.g. A five year $10,000 loan at 11.088% APR requires a monthly payment of $212.46)
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Used Consumer Goods Loan (Retail)
11.15%
▼
APR11.15%
Last UpdatedApril 6, 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 6, 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 6, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
Unsecured
11.25%
▼
APR11.25%
Last UpdatedApril 6, 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 6, 2026
Details
$5,000; 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 6, 2026
Details
As Low As
APR11.49%
Last UpdatedApril 6, 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 6, 2026
Details
APR (Rate is based on credit score and automatic payment)
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Personal/Signature Loan
11.74%
▼
APR11.74%
Last UpdatedApril 6, 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 6, 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 6, 2026
Details
As Low As
DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
Personal Loan
11.84%
▼
APR11.84%
Last UpdatedApril 6, 2026
Details
48 months at 11.84%; 48 payments at $26.26 per $1,000 borrowed; Payments are monthly. Does apply to real estate, home equity or business loans. Membership with DuTrac is required.
Sioux Valley Community Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.29%
to $2,999 Unsecured
11.90%
▼
APR11.90%
Last UpdatedApril 6, 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 6, 2026
Details
Up to $1,000
Sioux Valley Community Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.29%
Unsecured to $2,999
11.90%
▼
APR11.90%
Last UpdatedApril 6, 2026
Details
Over $1,000
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Unsecured Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 6, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
No Collateral Loan
11.99%
▼
APR11.99%
Last UpdatedApril 6, 2026
Details
No additional details available.
APR11.99%
Last UpdatedApril 6, 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 6, 2026
Details
Unsecured Limit: $20K
APR12.11%
Last UpdatedApril 6, 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 6, 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 6, 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 6, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Personal/Signature Loan
12.74%
▼
APR12.74%
Last UpdatedApril 6, 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 6, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
City & County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
4800 Edgewood Rd SW, Cedar Rapids, IA, 52404 7220
Low-Rate Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 6, 2026
Details
As Low As; Flexible loan terms; Plus - make no payments for 60 days!
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Unsecured Personal Loan
9.10%
▼
APR9.10%
Last UpdatedApril 6, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Unsecured Personal Loan
9.60%
▼
APR9.60%
Last UpdatedApril 6, 2026
Details
As Low As
Community 1st Credit Union Ottumwa, IA
Institution Rating:
B-4.3 ★Texas Ratio: 23.52%
1030 Sierra Dr NE, Cedar Rapids, IA, 52402 6578
Consumer Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedApril 6, 2026
Details
$12K Unsecured Limit
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 6, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 6, 2026
Details
$12K Unsecured Limit
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 6, 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 6, 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 6, 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 6, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Personal Loan
8.49%
▼
APR8.49%
Last UpdatedApril 6, 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 6, 2026
Details
As Low As
APR8.75%
Last UpdatedApril 6, 2026
Details
Limited time offer based on capacity to repay. Personal loan example: 48 monthly payments of $24.77 per $1,000 borrowed at 8.75% APR. All loans are subject to approval.
APR8.99%
Last UpdatedApril 6, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedApril 6, 2026
Details
$12K Unsecured Limit
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
9.00%
▼
APR9.00%
Last UpdatedApril 6, 2026
Details
Unsecured Limit: $20K
APR9.25%
Last UpdatedApril 6, 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 6, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 6, 2026
Details
As Low As
APR9.50%
Last UpdatedApril 6, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedApril 6, 2026
Details
$12K Unsecured Limit
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
9.50%
▼
APR9.50%
Last UpdatedApril 6, 2026
Details
Unsecured Limit: $20K
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 6, 2026
Details
As Low As
APR9.75%
Last UpdatedApril 6, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 6, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 6, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 6, 2026
Details
Offer available through August 1, 2026.
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 6, 2026
Details
$12K Unsecured Limit
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
10.00%
▼
APR10.00%
Last UpdatedApril 6, 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 6, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 6, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 6, 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 6, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 6, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 6, 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 6, 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 6, 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 6, 2026
Details
$5,000; As Low As
APR11.49%
Last UpdatedApril 6, 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 6, 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 6, 2026
Details
As Low As
DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
Personal Loan
11.84%
▼
APR11.84%
Last UpdatedApril 6, 2026
Details
48 months at 11.84%; 48 payments at $26.26 per $1,000 borrowed; Payments are monthly. Does apply to real estate, home equity or business loans. Membership with DuTrac is required.
APR11.99%
Last UpdatedApril 6, 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 6, 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 6, 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 6, 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 6, 2026
Details
As Low As
Powered by
MonitorBankRates
No debt consolidation personal loan rates found in Cedar Rapids, IA currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Quaker Oats Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3535 CENTER POINT RD NE, CEDAR RAPIDS, IA, 52402
Signature Loan
9.50%
▼
APR9.50%
Last UpdatedApril 6, 2026
Details
No additional details available.
Quaker Oats Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3535 CENTER POINT RD NE, CEDAR RAPIDS, IA, 52402
Signature Loan
10.50%
▼
APR10.50%
Last UpdatedApril 6, 2026
Details
UP TO 36 months
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Signature Loans
8.75%
▼
APR8.75%
Last UpdatedApril 6, 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 6, 2026
Details
As Low As; Actual Rate you receive is based on your credit score and term.
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 6, 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 6, 2026
Details
As Low As; UP TO 12 MONTHS
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Signature Loans
9.75%
▼
APR9.75%
Last UpdatedApril 6, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 6, 2026
Details
No additional details available.
APR9.99%
Last UpdatedApril 6, 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 6, 2026
Details
As Low As; 13 TO 36 MONTHS
APR10.29%
Last UpdatedApril 6, 2026
Details
As Low As
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedApril 6, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 6, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 6, 2026
Details
As Low As
United Credit Union Council Bluffs, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedApril 6, 2026
Details
No additional details available.
Iowa Heartland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
OPEN END SIGNATURE
11.00%
▼
APR11.00%
Last UpdatedApril 6, 2026
Details
As Low As; 24 MONTH REVIEW
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.16%
Signature Loan
11.09%
▼
APR11.09%
Last UpdatedApril 6, 2026
Details
APR based on $10,000 loan and $250 fee (e.g. A five year $10,000 loan at 11.088% APR requires a monthly payment of $212.46)
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.47%
Signature (Closed End)
11.24%
▼
APR11.24%
Last UpdatedApril 6, 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 6, 2026
Details
APR (Rate is based on credit score and automatic payment)
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Personal/Signature Loan
11.74%
▼
APR11.74%
Last UpdatedApril 6, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Personal/Signature Loan
12.74%
▼
APR12.74%
Last UpdatedApril 6, 2026
Details
As Low As
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No home improvement personal loan rates found in Cedar Rapids, IA currently.
Cedar Rapids, IA Personal Loan Rate Trends
Compare local Cedar Rapids, 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
11.439%
▼ 0.357 vs 7 days ago
Iowa personal loan rates fell 0.357 points over the past 7 days to 11.439% APR.
Signature Loan — IA Avg
11.197%
Unchanged vs 7 days ago
Iowa signature loan rates currently average 11.197% APR.
As of Apr 6, 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 Cedar Rapids, 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 Cedar Rapids, 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 Cedar Rapids, 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 Cedar Rapids, Iowa?
Credit unions in Cedar Rapids, 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 Cedar Rapids, Iowa?
- Farmers State Bank (Marion, IA): 6.12% (VA Loans)
- Aim Credit Union: 7.45% (Loan)
- Community 1st Credit Union Ottumwa, IA: 8.49% (Holiday Loan)
- Collins Community Credit Union: 8.50% (Credit Builder Loan)
- City & County Credit Union: 8.99% (Low-Rate Personal Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Cedar Rapids, Iowa. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 6, 2026.
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