Best Personal Loan Rates in South Amana, Iowa (IA) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 South Amana, Iowa include: Fort Dodge Family Credit UnionFort Dodge Family Credit UnionA5.0 ★Texas Ratio: 10.12% offering Teen Loan Special Unsecured at 5.60% APR, Cedar Falls Community Credit UnionCedar Falls Community Credit UnionA+5.0 ★Texas Ratio: 3.75% offering 1 Year Construction Loan at 5.75% APR, Fidelity Bank & Trust (IA)Fidelity Bank & Trust (IA)A+5.0 ★Texas Ratio: 1.72% offering Construction Loan* at 5.80% APR, SECU Credit UnionSECU Credit UnionA+5.0 ★Texas Ratio: 5.71% offering 10-year fixed loan at 5.82% APR, and Farmers State Bank (Marion, IA)Farmers State Bank (Marion, IA)A+5.0 ★Texas Ratio: 0.00% offering VA Loans at 6.12% APR. Personal loan rates as of April 12, 2026 according to verified data from MonitorBankRates.
South Amana borrowers have access to 42 lenders serving the Iowa area, with personal loan rates as low as 5.60% APR from Fort Dodge Family Credit Union. 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 South Amana, Iowa.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in South Amana, 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 12, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Teen Loan Special Unsecured
5.60%
▼
APR5.60%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
Fidelity Bank & Trust (IA)
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
Construction Loan*
5.80%
▼
APR5.80%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR5.82%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR6.13%
Last UpdatedApril 12, 2026
Details
No additional details available.
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 12, 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 12, 2026
Details
As Low As
Farmers State Bank (Marion, IA)
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
VA Loan Rate
6.45%
▼
APR6.45%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR6.45%
Last UpdatedApril 12, 2026
Details
No additional details available.
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 12, 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 12, 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 12, 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 12, 2026
Details
As Low As
City & County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Personal Loans
6.99%
▼
APR6.99%
Last UpdatedApril 12, 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 12, 2026
Details
$12K Unsecured Limit
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 12, 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 12, 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
7.19%
▼
APR7.19%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
As Low As
APR7.45%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR7.45%
Last UpdatedApril 12, 2026
Details
As Low As; Offer valid 4/1/2026 - 6/30/2026. Valid only on new loans submitted and approved. Certain qualifications apply.
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Unsecured Loans
7.50%
▼
APR7.50%
Last UpdatedApril 12, 2026
Details
personal loan; Qualifications Required
River Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedApril 12, 2026
Details
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
Lot Loan (75% LTV)
7.51%
▼
APR7.51%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
As Low As
APR7.74%
Last UpdatedApril 12, 2026
Details
3 Years
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Recreational Loans
7.75%
▼
APR7.75%
Last UpdatedApril 12, 2026
Details
As Low As; Up to 72 Months
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Unsecured Loans
7.75%
▼
APR7.75%
Last UpdatedApril 12, 2026
Details
personal loan; Qualifications Required
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 12, 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 12, 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 12, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 12, 2026
Details
4 Years
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 12, 2026
Details
$12K Unsecured Limit
Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Unsecured Loans
8.00%
▼
APR8.00%
Last UpdatedApril 12, 2026
Details
personal loan; Qualifications Required
DuTrac Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
Lot Loan (80% LTV)
8.02%
▼
APR8.02%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
As Low As
APR8.45%
Last UpdatedApril 12, 2026
Details
No additional details available.
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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
As Low As
APR8.75%
Last UpdatedApril 12, 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.
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Recreational Loans
8.75%
▼
APR8.75%
Last UpdatedApril 12, 2026
Details
As Low As; Up to 48 Months
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Signature Loans
8.75%
▼
APR8.75%
Last UpdatedApril 12, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 12, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As; * Actual Rate you receive is based on your credit score and term.
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
9.00%
▼
APR9.00%
Last UpdatedApril 12, 2026
Details
$20K Unsecured Limit
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedApril 12, 2026
Details
$12K Unsecured Limit
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 12, 2026
Details
As Low As
APR9.25%
Last UpdatedApril 12, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
APR9.25%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.45%
Last UpdatedApril 12, 2026
Details
No additional details available.
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.49%
Last UpdatedApril 12, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
APR9.50%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As; UP TO 12 MONTHS
APR9.50%
Last UpdatedApril 12, 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 12, 2026
Details
$20K Unsecured Limit
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedApril 12, 2026
Details
$12K Unsecured Limit
APR9.51%
Last UpdatedApril 12, 2026
Details
No additional details available.
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 12, 2026
Details
As Low As
APR9.75%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 12, 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
9.99%
▼
APR9.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR9.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 12, 2026
Details
Fixed rates starting at
Metco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Unsecured Loans 6 - 24 months
9.99%
▼
APR9.99%
Last UpdatedApril 12, 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 12, 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 12, 2026
Details
$20K Unsecured Limit
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 12, 2026
Details
$12K Unsecured Limit
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 12, 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 12, 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 12, 2026
Details
Floor 6.75%
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
Unsecured
10.25%
▼
APR10.25%
Last UpdatedApril 12, 2026
Details
As Low As
APR10.29%
Last UpdatedApril 12, 2026
Details
As Low As
APR10.45%
Last UpdatedApril 12, 2026
Details
No additional details available.
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 12, 2026
Details
As Low As
APR10.49%
Last UpdatedApril 12, 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 12, 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 12, 2026
Details
As Low As
APR10.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
Unsecured
10.75%
▼
APR10.75%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 12, 2026
Details
As Low As; Money for anything you can imagine. (Fixed term)
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
No Collateral Loan
10.99%
▼
APR10.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 12, 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 12, 2026
Details
$20K Unsecured Limit
United Credit Union Council Bluffs, IA
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedApril 12, 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 12, 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 12, 2026
Details
As Low As
APR11.05%
Last UpdatedApril 12, 2026
Details
As Low As; Max term of 12 months
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 12, 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 12, 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 12, 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 12, 2026
Details
$5,000; As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.83%
Unsecured
11.25%
▼
APR11.25%
Last UpdatedApril 12, 2026
Details
As Low As
APR11.45%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR11.49%
Last UpdatedApril 12, 2026
Details
As Low As
APR11.49%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
Rates are stated as Annual Percentage Rate (APR). The APR you receive depends on credit history, loan term, loan amount, and other factors using DuTrac's standard credit underwriting and creditworthiness criteria. Rates are subject to change without notice. All loans are subject to approval. Personal Loan example: 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 12, 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 12, 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 12, 2026
Details
Over $1,000
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
No Collateral Loan
11.99%
▼
APR11.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR11.99%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
APR11.99%
Last UpdatedApril 12, 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 12, 2026
Details
No additional details available.
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan Special
12.00%
▼
APR12.00%
Last UpdatedApril 12, 2026
Details
$20K Unsecured Limit
APR12.05%
Last UpdatedApril 12, 2026
Details
As Low As; The APR you receive will be based upon credit worthiness criteria. Rates, terms, and conditions subject to change without notice. Loan subject to credit approval.
APR12.11%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
As Low As
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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%
Personal Loans
6.99%
▼
APR6.99%
Last UpdatedApril 12, 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 12, 2026
Details
$12K Unsecured Limit
APR7.45%
Last UpdatedApril 12, 2026
Details
As Low As; Offer valid 4/1/2026 - 6/30/2026. Valid only on new loans submitted and approved. Certain qualifications apply.
River Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedApril 12, 2026
Details
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 12, 2026
Details
$12K Unsecured Limit
First Class Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Personal Loan
8.49%
▼
APR8.49%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
APR8.75%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 12, 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 12, 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 12, 2026
Details
$20K Unsecured Limit
APR9.25%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 2026
Details
$20K Unsecured Limit
APR9.50%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.75%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 12, 2026
Details
Fixed rates starting at
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 12, 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 12, 2026
Details
$20K Unsecured Limit
Dupaco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 12, 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 12, 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 12, 2026
Details
$20K Unsecured Limit
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Personal Loans (Unsecured)
11.24%
▼
APR11.24%
Last UpdatedApril 12, 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 12, 2026
Details
$5,000; As Low As
APR11.49%
Last UpdatedApril 12, 2026
Details
As Low As
APR11.49%
Last UpdatedApril 12, 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 12, 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 12, 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 12, 2026
Details
Rates are stated as Annual Percentage Rate (APR). The APR you receive depends on credit history, loan term, loan amount, and other factors using DuTrac's standard credit underwriting and creditworthiness criteria. Rates are subject to change without notice. All loans are subject to approval. Personal Loan example: 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.
Members Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Unsecured Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR11.99%
Last UpdatedApril 12, 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 12, 2026
Details
$20K Unsecured Limit
Centris Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.42%
Personal Loans (Unsecured)
12.24%
▼
APR12.24%
Last UpdatedApril 12, 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 12, 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 12, 2026
Details
As Low As
Powered by
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No debt consolidation personal loan rates found in South Amana, IA currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Signature Loans
8.75%
▼
APR8.75%
Last UpdatedApril 12, 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 12, 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 12, 2026
Details
As Low As
APR9.50%
Last UpdatedApril 12, 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 12, 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 12, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR9.99%
Last UpdatedApril 12, 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 12, 2026
Details
As Low As; 13 TO 36 MONTHS
APR10.29%
Last UpdatedApril 12, 2026
Details
As Low As
APR10.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedApril 12, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 12, 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 12, 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 12, 2026
Details
As Low As; 24 MONTH REVIEW
North Star Community Credit Union Cherokee, IA
Institution Rating:
A5.0 ★Texas Ratio: 11.47%
Signature (Closed End)
11.24%
▼
APR11.24%
Last UpdatedApril 12, 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 12, 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 12, 2026
Details
As Low As
Powered by
MonitorBankRates
No home improvement personal loan rates found in South Amana, IA currently.
South Amana, IA Personal Loan Rate Trends
Compare local South Amana, 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
11.253%
▼ 1.638 vs 7 days ago
Iowa personal loan rates fell 1.638 points over the past 7 days to 11.253% APR.
Signature Loan — IA Avg
11.129%
▼ 0.068 vs 7 days ago
Iowa signature loan rates fell 0.068 points over the past 7 days to 11.129% APR.
As of Apr 12, 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 South Amana, 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 South Amana, 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 South Amana, 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 South Amana, Iowa?
Credit unions in South Amana, 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 South Amana, Iowa?
- Fort Dodge Family Credit Union: 5.60% (Teen Loan Special Unsecured)
- Cedar Falls Community Credit Union: 5.75% (1 Year Construction Loan)
- Fidelity Bank & Trust (IA): 5.80% (Construction Loan*)
- SECU Credit Union: 5.82% (10-year fixed loan)
- Farmers State Bank (Marion, IA): 6.12% (VA Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in South Amana, Iowa. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 12, 2026.
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