Best Personal Loan Rates in Des Moines, Iowa (IA) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to 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 Des Moines, Iowa include: First Class Community Credit UnionFirst Class Community Credit Union303 Euclid Ave, Des Moines, IA, 50313 4349A+5.0 ★Texas Ratio: 1.71% offering Recreational Loans at 7.25% APR, Collins Community Credit UnionCollins Community Credit Union601 E Court Ave, Des Moines, IA, 50309B-4.3 ★Texas Ratio: 23.97% offering Credit Builder Loan at 8.50% APR, Serve Credit UnionServe Credit Union423 E Court Ave, Des Moines, IA, 50309 2010A+5.0 ★Texas Ratio: 2.97% offering IMAGINE LOAN at 8.99% APR, Greater Iowa Credit UnionGreater Iowa Credit Union600 E 30th St, Des Moines, IA, 50317 2406A5.0 ★Texas Ratio: 8.63% offering Personal Loans at 8.99% APR, and Journey Credit UnionJourney Credit Union1400 2nd Ave, Des Moines, IA, 50314 3403A+5.0 ★Texas Ratio: 5.71% offering Signature at 9.99% APR. Personal loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Des Moines has 6 local institutions in our database, with personal loan rates as low as 7.25% APR from First Class Community Credit Union at 303 Euclid Ave, Des Moines, IA, 50313 4349. 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 Des Moines, Iowa.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Des Moines, 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
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Recreational Loans
7.25%
▼
APR7.25%
Last UpdatedApril 29, 2026
Details
As Low As; 2024 or Newer
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Recreational Loans
7.75%
▼
APR7.75%
Last UpdatedApril 29, 2026
Details
As Low As; 2023-2021
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Recreational Loans
8.25%
▼
APR8.25%
Last UpdatedApril 29, 2026
Details
As Low As; 2020-2018
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Personal Loans
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%
601 E Court Ave, Des Moines, IA, 50309
Credit Builder Loan
8.50%
▼
APR8.50%
Last UpdatedApril 29, 2026
Details
As Low As; (fixed)
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Recreational Loans
8.75%
▼
APR8.75%
Last UpdatedApril 29, 2026
Details
As Low As; 2017 or Older
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
IMAGINE LOAN
8.99%
▼
APR8.99%
Last UpdatedApril 29, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA, 50317 2406
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 29, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA, 50309
Unsecured Personal Loan
9.10%
▼
APR9.10%
Last UpdatedApril 29, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
IMAGINE LOAN
9.49%
▼
APR9.49%
Last UpdatedApril 29, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA, 50309
Unsecured Personal Loan
9.60%
▼
APR9.60%
Last UpdatedApril 29, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
IMAGINE LOAN
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Signature
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Signature
10.29%
▼
APR10.29%
Last UpdatedApril 29, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
IMAGINE LOAN
10.49%
▼
APR10.49%
Last UpdatedApril 29, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
IMAGINE LOAN
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Signature
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%
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.
APR7.45%
Last UpdatedApril 29, 2026
Details
No additional details available.
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.
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
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
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
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
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.
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
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
APR9.45%
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
9.50%
▼
APR9.50%
Last UpdatedApril 29, 2026
Details
As Low As; UP TO 12 MONTHS
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
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; 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
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
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
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
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
APR10.45%
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
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
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
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
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
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
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.
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
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
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)
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
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Personal/Signature Loan
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
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
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Personal/Signature Loan
12.74%
▼
APR12.74%
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
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal 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
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MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 29, 2026
Details
As Low As
Greater Iowa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
600 E 30th St, Des Moines, IA, 50317 2406
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 29, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA, 50309
Unsecured Personal Loan
9.10%
▼
APR9.10%
Last UpdatedApril 29, 2026
Details
As Low As
Collins Community Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.97%
601 E Court Ave, Des Moines, IA, 50309
Unsecured Personal Loan
9.60%
▼
APR9.60%
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
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
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
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
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
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loan
9.99%
▼
APR9.99%
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
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
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
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
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
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
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loan
12.99%
▼
APR12.99%
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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No debt consolidation personal loan rates found in Des Moines, IA currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Signature
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Signature
10.29%
▼
APR10.29%
Last UpdatedApril 29, 2026
Details
As Low As
Affinity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Signature
10.99%
▼
APR10.99%
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; 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
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)
Members1st Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
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%
Personal/Signature Loan
12.74%
▼
APR12.74%
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.
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 Des Moines, IA currently.
Des Moines, IA Personal Loan Rate Trends
Compare local Des Moines, 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 Des Moines, 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 Des Moines, 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 Des Moines, 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 Des Moines, Iowa?
Credit unions in Des Moines, 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 Des Moines, Iowa?
- First Class Community Credit Union: 7.25% (Recreational Loans)
- Collins Community Credit Union: 8.50% (Credit Builder Loan)
- Serve Credit Union: 8.99% (IMAGINE LOAN)
- Greater Iowa Credit Union: 8.99% (Personal Loans)
- Journey Credit Union: 9.99% (Signature)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Des Moines, 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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