Best Personal Loan Rates in Michigan (MI) - May 2026
Content reviewed by
Brian McKay
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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 Michigan 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 Michigan include: Route 31 Federal Credit UnionRoute 31 Federal Credit Union715 Terrace St, Muskegon, MI, 49440A+5.0 ★Texas Ratio: 2.48% offering Expressway Loans at 3.99% APR, Baraga County Federal Credit UnionBaraga County Federal Credit Union101 E Broad St, Lanse, MI, 49946 1013A+5.0 ★Texas Ratio: 0.37% offering 2020 - 2025 Loan at 4.25% APR, Flagship Community Federal Credit UnionFlagship Community Federal Credit Union3910 Lapeer Rd, Port Huron, MI, 48060 2402A+5.0 ★Texas Ratio: 2.00% offering Personal Loan at 4.45% APR, Integra First Federal Credit UnionIntegra First Federal Credit Union2600 10th St, Menominee, MI, 49858 1904A+5.0 ★Texas Ratio: 5.04% offering Recreational Loans at 4.49% APR, and Maui Teachers Federal Credit UnionMaui Teachers Federal Credit Union6000 28th St SE, Grand Rapids, MI, 49546 6927A+5.0 ★Texas Ratio: 0.00% offering Signature Loans at 4.50% APR. Personal loan rates as of May 22, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Michigan side-by-side. Michigan personal loan rates currently start as low as 3.99% APR from Route 31 Federal Credit Union at 715 Terrace St, Muskegon, MI, 49440. 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 Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Michigan. 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: May 22, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
715 Terrace St, Muskegon, MI, 49440
Expressway Loans
3.99%
▼
APR3.99%
Last UpdatedMay 22, 2026
Details
As Low As
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2020 - 2025 Loan
4.25%
▼
APR4.25%
Last UpdatedMay 22, 2026
Details
As Low As
Flagship Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3910 Lapeer Rd, Port Huron, MI, 48060 2402
Personal Loan
4.45%
▼
APR4.45%
Last UpdatedMay 22, 2026
Details
As Low As
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
2600 10th St, Menominee, MI, 49858 1904
Recreational Loans
4.49%
▼
APR4.49%
Last UpdatedMay 22, 2026
Details
As Low As; Members who set up an active checking account can qualify for a 0.50% discount off the posted rate tiers (for auto and recreational). Integra First defines an active checking account as one set up with direct deposit and auto pay on the loan.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Signature Loans
4.50%
▼
APR4.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Solar Heater Loan
4.50%
▼
APR4.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2303 S Center Rd, Burton, MI, 48519 1147
Any Moment Loan
4.50%
▼
APR4.50%
Last UpdatedMay 22, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2026-2022)
4.70%
▼
APR4.70%
Last UpdatedMay 22, 2026
Details
As Low As
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2020 - 2025 Loan
4.75%
▼
APR4.75%
Last UpdatedMay 22, 2026
Details
As Low As
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
N 6747 M117, Engadine, MI, 49827
Spring Loan Special 36 Months
4.75%
▼
APR4.75%
Last UpdatedMay 22, 2026
Details
As Low As
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2015 - 2019 Loan
4.75%
▼
APR4.75%
Last UpdatedMay 22, 2026
Details
As Low As
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
473 E Division St, Dowagiac, MI, 49047 1541
Money Saver Loan
4.75%
▼
APR4.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
11756 Charest St, Hamtramck, MI, 48212
2024 or Newer Loan
4.89%
▼
APR4.89%
Last UpdatedMay 22, 2026
Details
No additional details available.
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2026-2022)
4.95%
▼
APR4.95%
Last UpdatedMay 22, 2026
Details
As Low As
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI, 49707 8104
CU Heart Relief Loan
4.95%
▼
APR4.95%
Last UpdatedMay 22, 2026
Details
As Low As; Supporting our community through flood & storm recovery.
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
5600 Crooks Rd Ste 101, Troy, MI, 48098
New Lawn Mower Loan
4.99%
▼
APR4.99%
Last UpdatedMay 22, 2026
Details
As Low As; mo
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
5600 Crooks Rd Ste 101, Troy, MI, 48098
New Tractor Loan
4.99%
▼
APR4.99%
Last UpdatedMay 22, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
34200 Utica Rd, Fraser, MI, 48026
Credit Saver Loan
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
This APR will vary with the market based on the dividend rate.
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2303 S Center Rd, Burton, MI, 48519 1147
Any Moment Loan
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
As Low As
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Vacation Loans
5.00%
▼
APR5.00%
Last UpdatedMay 22, 2026
Details
Must provide travel itinerary
Marquette Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
1230 W Washington St, Marquette, MI, 49855
New - Used Loan
5.10%
▼
APR5.10%
Last UpdatedMay 22, 2026
Details
Includes snowmobiles, motorcycles, ATVs, motor homes, campers, tractors
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2014 & Older Loan
5.25%
▼
APR5.25%
Last UpdatedMay 22, 2026
Details
As Low As
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2015 - 2019 Loan
5.25%
▼
APR5.25%
Last UpdatedMay 22, 2026
Details
As Low As
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2020 - 2025 Loan
5.25%
▼
APR5.25%
Last UpdatedMay 22, 2026
Details
As Low As; $20,000.00 and Over
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
11756 Charest St, Hamtramck, MI, 48212
2023 or Older Loan
5.39%
▼
APR5.39%
Last UpdatedMay 22, 2026
Details
No additional details available.
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2021-2016)
5.45%
▼
APR5.45%
Last UpdatedMay 22, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1366 porter ST, DETROIT, MI, 48226
Recreation Loan
5.49%
▼
APR5.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
2929 3rd Ave N, Escanaba, MI, 49829 4203
3 year balloon Loan
5.50%
▼
APR5.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
Recreational Loan
5.50%
▼
APR5.50%
Last UpdatedMay 22, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
Recreational Loans
5.50%
▼
APR5.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Photovoltaic Loans
5.50%
▼
APR5.50%
Last UpdatedMay 22, 2026
Details
Rates are determined by the repayment terms; Loan proceeds to be paid directly to contractor.
Marquette Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
1230 W Washington St, Marquette, MI, 49855
New - Used Loan
5.60%
▼
APR5.60%
Last UpdatedMay 22, 2026
Details
Includes snowmobiles, motorcycles, ATVs, motor homes, campers, tractors
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2021-2016)
5.70%
▼
APR5.70%
Last UpdatedMay 22, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2026-2022)
5.70%
▼
APR5.70%
Last UpdatedMay 22, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI, 48326 2947
Personal Loan
5.74%
▼
APR5.74%
Last UpdatedMay 22, 2026
Details
As Low As
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2020 - 2025 Loan
5.75%
▼
APR5.75%
Last UpdatedMay 22, 2026
Details
As Low As; $30,000.00 and Over
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2015 - 2019 Loan
5.75%
▼
APR5.75%
Last UpdatedMay 22, 2026
Details
As Low As
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
2929 3rd Ave N, Escanaba, MI, 49829 4203
5 year balloon Loan
5.75%
▼
APR5.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2014 & Older Loan
5.75%
▼
APR5.75%
Last UpdatedMay 22, 2026
Details
As Low As
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans
5.75%
▼
APR5.75%
Last UpdatedMay 22, 2026
Details
Credit Score: 700-800
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
5.75%
▼
APR5.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
485 S State St, Sparta, MI, 49345 1549
Recreational Loan Special
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
As Low As
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
New Equipment Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
Relationship APR
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
31300 Hoover Rd, Warren, MI, 48093 1774
Closed End Signature Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
31300 Hoover Rd, Warren, MI, 48093 1774
New and Used Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
As Low As
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
Brand New Models Loan
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
2929 3rd Ave N, Escanaba, MI, 49829 4203
7 year balloon Loan
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
N 6747 M117, Engadine, MI, 49827
Recreation Loans
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
As Low As
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
Brand New Models Loan
6.15%
▼
APR6.15%
Last UpdatedMay 22, 2026
Details
No additional details available.
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
N 6747 M117, Engadine, MI, 49827
Spring Loan Special 60 Months
6.25%
▼
APR6.25%
Last UpdatedMay 22, 2026
Details
As Low As
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans
6.25%
▼
APR6.25%
Last UpdatedMay 22, 2026
Details
Credit Score: 700-800
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
580 N Main St, Frankenmuth, MI, 48734
10 Year Construction Loan
6.25%
▼
APR6.25%
Last UpdatedMay 22, 2026
Details
As Low As
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI, 49946 1013
2015 - 2019 Loan
6.25%
▼
APR6.25%
Last UpdatedMay 22, 2026
Details
As Low As; $20,000 and Over
First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI, 48021
VA Loan
6.33%
▼
APR6.33%
Last UpdatedMay 22, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.34%
▼
APR6.34%
Last UpdatedMay 22, 2026
Details
As Low As
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI, 49418 2501
Electric/Hybrid Loans (2021-2016)
6.45%
▼
APR6.45%
Last UpdatedMay 22, 2026
Details
As Low As
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.46%
▼
APR6.46%
Last UpdatedMay 22, 2026
Details
As Low As
First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI, 48021
FHA Loan
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Recreational Loans 2025 and Newer
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
As Low As
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
Used Equipment Loan
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
Relationship APR
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Personal Recreational (2025-2026) 24 Month Loan
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.49%
▼
APR6.49%
Last UpdatedMay 22, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Personal Recreational (2025-2026) 48 Month Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
2019-2025 Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
Recreational Loans
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
5600 Crooks Rd Ste 101, Troy, MI, 48098
Norfolk Southern Stock Loan
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
75% of stock value
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans 96 Month AM
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
Up to $9,999
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.51%
▼
APR6.51%
Last UpdatedMay 22, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Personal Recreational (2025-2026) 36 Month Loan
6.58%
▼
APR6.58%
Last UpdatedMay 22, 2026
Details
No additional details available.
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
2019-2025 Loan
6.60%
▼
APR6.60%
Last UpdatedMay 22, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
473 E Division St, Dowagiac, MI, 49047 1541
One-Time Close Construction Loan Rate
6.66%
▼
APR6.66%
Last UpdatedMay 22, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.68%
▼
APR6.68%
Last UpdatedMay 22, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Recreational Loans 2024-2017
6.74%
▼
APR6.74%
Last UpdatedMay 22, 2026
Details
As Low As
Northern Lights Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
PO Box 126, Chatham, MI, 49816
Used 2021-2024 Loan
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
As Low As
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
5600 Crooks Rd Ste 101, Troy, MI, 48098
New R.V. Loan
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
As Low As
Northern Lights Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
PO Box 126, Chatham, MI, 49816
New 2025-2026 Loan
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
As Low As
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
Credit Score: 580-619
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.84%
▼
APR6.84%
Last UpdatedMay 22, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Land Loan 10-year
6.91%
▼
APR6.91%
Last UpdatedMay 22, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Land Loan 62-Month Balloon
6.94%
▼
APR6.94%
Last UpdatedMay 22, 2026
Details
30-Year Amortization
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.96%
▼
APR6.96%
Last UpdatedMay 22, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Personal Recreational (2025-2026) 60 Month Loan
6.96%
▼
APR6.96%
Last UpdatedMay 22, 2026
Details
No additional details available.
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
New Equipment Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
Fixed APR
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Vacation Loans
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As; saving nearly 17% compared to average credit card rates.
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1540 Tittabawassee Rd, Saginaw, MI, 48604 9445
Other Titled or Non-titled Loans
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As; Terms are dependent upon amount financed. Rates for loan categories represent the lowest rate available to qualified borrowers. Rates are based on the member's credit history. 100% financing and 84 month term available to qualified borrowers.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Collateralized Loans (Backed by property, other than Real Estate)
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI, 48823 8029
Green & White Loan
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
As Low As
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3031 Airpark Dr N, Flint, MI, 48507 3471
Recreational Loans
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
As Low As
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
Credit Score: 700-800
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
2151 Cogswell Dr, Whitehall, MI, 49461
All Other Closed End Loans
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
2018 and Older Loan
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
7.01%
▼
APR7.01%
Last UpdatedMay 22, 2026
Details
As Low As
First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI, 48021
MSHDA Loan
7.10%
▼
APR7.10%
Last UpdatedMay 22, 2026
Details
No additional details available.
Marquette Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
1230 W Washington St, Marquette, MI, 49855
New - Used Loan
7.15%
▼
APR7.15%
Last UpdatedMay 22, 2026
Details
Includes snowmobiles, motorcycles, ATVs, motor homes, campers, tractors
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Personal Recreational (2025-2026) 72 Month Loan
7.18%
▼
APR7.18%
Last UpdatedMay 22, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Personal Recreational (2024 and older) 24 Month Loan
7.24%
▼
APR7.24%
Last UpdatedMay 22, 2026
Details
No additional details available.
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
3141 Capital Ave SW, Battle Creek, MI, 49015
POWER SPORTS LOAN 2019 and Newer
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
As Low As
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
Credit Score: 700-800
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans 96 Month AM
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
Up to $9,999
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans to $39,999 180 Month AM
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
$10,000
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Personal Recreational (2024 and older) 48 Month Loan
7.26%
▼
APR7.26%
Last UpdatedMay 22, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Personal Recreational (2024 and older) 36 Month Loan
7.34%
▼
APR7.34%
Last UpdatedMay 22, 2026
Details
No additional details available.
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
40400 Garfield Rd, Clinton Township, MI, 48038 4004
Vacant Land Loan 10 Year Fixed
7.43%
▼
APR7.43%
Last UpdatedMay 22, 2026
Details
As Low As
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
Used Equipment Loan
7.49%
▼
APR7.49%
Last UpdatedMay 22, 2026
Details
Fixed APR
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
507 E Main St, Niles, MI, 49120 2617
Adventure Loan
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
Rate with 0% Down
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
415 Washington Ave, Bay City, MI, 48708 5712
Recreational Loans
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
As Low As
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
Credit Score: 620-699
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans to $50,000 240 Month AM
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
$40,000
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
Recreational Loans
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
$5,000 Personal Loan
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Vacant Land Loans 5 Year Balloon
7.51%
▼
APR7.51%
Last UpdatedMay 22, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Personal Recreational (2024 and older) 60 Month Loan
7.71%
▼
APR7.71%
Last UpdatedMay 22, 2026
Details
No additional details available.
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans
7.75%
▼
APR7.75%
Last UpdatedMay 22, 2026
Details
Credit Score: 580-619
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
2929 3rd Ave N, Escanaba, MI, 49829 4203
Consumer Loans
7.75%
▼
APR7.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
7.75%
▼
APR7.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
31300 Hoover Rd, Warren, MI, 48093 1774
Closed End Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI, 49441 1414
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI, 49441 1414
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As; 12 Months
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
Unsecured Closed End Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As; All rates featured are listed ''as low as'' and are subject to credit approval and credit score. Share Secured loans are secured with a Primary Share account with ID 0001. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1075 E Sherman Blvd, Norton Shores, MI, 49444 1807
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
460 W Laketon Ave, Muskegon, MI, 49441 2632
12 Month Unsecured Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As; Multi Purpose 12 Month Loan
Tri Cities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
905 Pennoyer Ave, Grand Haven, MI, 49417
HOLIDAY LOAN SPECIAL
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As; 12 Month Max
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
7373 W Saginaw Hwy, Lansing, MI, 48917 1124
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI, 49444 1822
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI, 49546
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
Regular APR: 19%
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
Semi-Truck - New Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
21043 Mound Rd, Warren, MI, 48091 2903
Unsecured Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
up to $10,000; As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
Unsecured Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.84%
1381 N Bagley St, Alpena, MI, 49707 8101
Personal/Signature loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
801 River St, Ontonagon, MI, 49953 1620
Debt Consolidation
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Detour Drummond Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
34857 S Townline Rd, Drummond Island, MI, 49726 9486
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
Credit Score: 700-800
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
100 Galleria Officentre, Southfield, MI, 48034
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
507 E Main St, Niles, MI, 49120 2617
Adventure Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
Rate with 0% Down
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Personal Recreational (2024 and older) 72 Month Loan
8.18%
▼
APR8.18%
Last UpdatedMay 22, 2026
Details
No additional details available.
Parkside Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36525 PLYMOUTH RD, LIVONIA, MI, 48150
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
Signature Loan
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans to $39,999 180 Month AM
8.25%
▼
APR8.25%
Last UpdatedMay 22, 2026
Details
$10,000
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
4316 S Pennsylvania Ave, Lansing, MI, 48910
Technology Loan
8.25%
▼
APR8.25%
Last UpdatedMay 22, 2026
Details
As Low As
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
600 E Lyon Rd, Midland, MI, 48640 5396
Personal
8.25%
▼
APR8.25%
Last UpdatedMay 22, 2026
Details
As Low As
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
8.46%
▼
APR8.46%
Last UpdatedMay 22, 2026
Details
As Low As
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI, 48381
Consumer Loan
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
As Low As
GraCo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
835 W Warwick Dr, Alma, MI, 48801 1147
Unsecured Loans
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Flagship Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3910 Lapeer Rd, Port Huron, MI, 48060 2402
Personal Loan
4.45%
▼
APR4.45%
Last UpdatedMay 22, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI, 48326 2947
Personal Loan
5.74%
▼
APR5.74%
Last UpdatedMay 22, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI, 48126
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
$5,000 Personal Loan
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI, 49546
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
Regular APR: 19%
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI, 49444 1822
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
7373 W Saginaw Hwy, Lansing, MI, 48917 1124
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1075 E Sherman Blvd, Norton Shores, MI, 49444 1807
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
100 Galleria Officentre, Southfield, MI, 48034
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Parkside Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36525 PLYMOUTH RD, LIVONIA, MI, 48150
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
801 River St, Ontonagon, MI, 49953 1620
Debt Consolidation
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
106 N Marketplace Blvd, Lansing, MI, 48917 7753
Debt Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI, 49707 8104
Debt Consolidation Loan
9.20%
▼
APR9.20%
Last UpdatedMay 22, 2026
Details
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and an example My $ Loan amount financed of $5,000. The payment examples shown above do not include optional insurance premium amounts, which will increase your monthly payment obligation. Your payment may vary based on the term, credit score and amount financed.
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI, 49548 2306
Debt Consolidation Loan
10.09%
▼
APR10.09%
Last UpdatedMay 22, 2026
Details
No additional details available.
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Personal and Debt Consolidation Loan
11.24%
▼
APR11.24%
Last UpdatedMay 22, 2026
Details
No additional details available.
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6640 Bay Rd, Saginaw, MI, 48604
Debt Consolidation
11.49%
▼
APR11.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Debt Consolidation
11.99%
▼
APR11.99%
Last UpdatedMay 22, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Debt Consolidation Loan
11.99%
▼
APR11.99%
Last UpdatedMay 22, 2026
Details
As Low As; with Loyalty Discount
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Personal and Debt Consolidation Loan
12.24%
▼
APR12.24%
Last UpdatedMay 22, 2026
Details
No additional details available.
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1619 Plainfield AVE NE, Grand Rapids, MI, 49505 4703
Debt Consolidation
12.49%
▼
APR12.49%
Last UpdatedMay 22, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Personal and Debt Consolidation Loan
13.24%
▼
APR13.24%
Last UpdatedMay 22, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI, 48176
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI, 48176
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 22, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI, 48823 8029
Debt Consolidation Loan
17.99%
▼
APR17.99%
Last UpdatedMay 22, 2026
Details
As Low As
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI, 49546 6927
Signature Loans
4.50%
▼
APR4.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
5.75%
▼
APR5.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans
5.75%
▼
APR5.75%
Last UpdatedMay 22, 2026
Details
Credit Score: 700-800
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
31300 Hoover Rd, Warren, MI, 48093 1774
Closed End Signature Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans
6.25%
▼
APR6.25%
Last UpdatedMay 22, 2026
Details
Credit Score: 700-800
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans 96 Month AM
6.50%
▼
APR6.50%
Last UpdatedMay 22, 2026
Details
Up to $9,999
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
Credit Score: 580-619
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
Credit Score: 700-800
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
Credit Score: 700-800
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans 96 Month AM
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
Up to $9,999
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans to $39,999 180 Month AM
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
$10,000
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
Credit Score: 620-699
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans to $50,000 240 Month AM
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
$40,000
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
473 E Division St, Dowagiac, MI, 49047 1541
Signature/Unsecured
7.75%
▼
APR7.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans
7.75%
▼
APR7.75%
Last UpdatedMay 22, 2026
Details
Credit Score: 580-619
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
31300 Hoover Rd, Warren, MI, 48093 1774
Closed End Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI, 49441 1414
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As; 12 Months
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI, 49441 1414
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
Credit Score: 700-800
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.84%
1381 N Bagley St, Alpena, MI, 49707 8101
Personal/Signature loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Detour Drummond Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
34857 S Townline Rd, Drummond Island, MI, 49726 9486
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
Signature Loan
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
Member Signature Loans to $39,999 180 Month AM
8.25%
▼
APR8.25%
Last UpdatedMay 22, 2026
Details
$10,000
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MonitorBankRates
No home improvement personal loan rates found in Michigan currently.
Michigan Personal Loan Rate Trends
Compare local Michigan 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 — MI Avg
11.326%
▲ 0.073 vs 7 days ago
Michigan personal loan rates rose 0.073 points over the past 7 days to 11.326% APR.
Signature Loan — MI Avg
10.737%
▼ 0.102 vs 7 days ago
Michigan signature loan rates fell 0.102 points over the past 7 days to 10.737% APR.
As of May 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Michigan personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Michigan directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Michigan. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MI.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Michigan?
Most lenders in Michigan 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 Michigan often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Michigan 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 Michigan?
Yes. Debt consolidation is one of the most common uses of personal loans in Michigan. 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 Michigan?
Credit unions in Michigan 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 Michigan?
- Route 31 Federal Credit Union: 3.99% (Expressway Loans)
- Baraga County Federal Credit Union: 4.25% (2020 - 2025 Loan)
- Flagship Community Federal Credit Union: 4.45% (Personal Loan)
- Integra First Federal Credit Union: 4.49% (Recreational Loans)
- Maui Teachers Federal Credit Union: 4.50% (Signature Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Michigan. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 22, 2026.
