Best Personal Loan Rates in Bay City, Michigan (MI) - April 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 Bay City, Michigan include: Frankenmuth Credit UnionFrankenmuth Credit Union800 N Euclid Ave, Bay City, MI, 48706A5.0 ★Texas Ratio: 8.43% offering Share Pledged Loan at 4.00% APR, United Bay Community Credit UnionUnited Bay Community Credit Union1309 N Lincoln St, Bay City, MI, 48708 6172A+5.0 ★Texas Ratio: 5.98% offering Loan at 4.74% APR, Jolt Credit UnionJolt Credit Union915 S Euclid Ave, Bay City, MI, 48706A+5.0 ★Texas Ratio: 1.30% offering Technology Loan at 5.25% APR, Financial Plus Credit Union Flint, MIFinancial Plus Credit Union Flint, MI4129 N Euclid Ave, Bay City, MI, 48706A+5.0 ★Texas Ratio: 3.29% offering Vacant Land Loans 5 Year Balloon at 7.13% APR, and Great Lakes Federal Credit UnionGreat Lakes Federal Credit Union415 Washington Ave, Bay City, MI, 48708 5712A+5.0 ★Texas Ratio: 0.79% offering Recreational Loans at 7.50% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Bay City has 10 local institutions in our database, with personal loan rates as low as 4.00% APR from Frankenmuth Credit Union at 800 N Euclid Ave, Bay City, MI, 48706. 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 Bay City, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Bay City, 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: April 19, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
800 N Euclid Ave, Bay City, MI, 48706
Share Pledged Loan
4.00%
▼
APR4.00%
Last UpdatedApril 20, 2026
Details
As Low As; for example funds in a 1.00%APY product; Savings Product + 3.00%
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
4.74%
▼
APR4.74%
Last UpdatedApril 20, 2026
Details
As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
4.99%
▼
APR4.99%
Last UpdatedApril 20, 2026
Details
As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
5.24%
▼
APR5.24%
Last UpdatedApril 20, 2026
Details
As Low As
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
915 S Euclid Ave, Bay City, MI, 48706
Technology Loan
5.25%
▼
APR5.25%
Last UpdatedApril 20, 2026
Details
Technology Loan
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
5.49%
▼
APR5.49%
Last UpdatedApril 20, 2026
Details
As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
5.99%
▼
APR5.99%
Last UpdatedApril 20, 2026
Details
As Low As
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
800 N Euclid Ave, Bay City, MI, 48706
10 Year Construction Loan
6.25%
▼
APR6.25%
Last UpdatedApril 20, 2026
Details
No additional details available.
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
915 S Euclid Ave, Bay City, MI, 48706
Season Loan
6.25%
▼
APR6.25%
Last UpdatedApril 20, 2026
Details
Season Loan
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
6.49%
▼
APR6.49%
Last UpdatedApril 20, 2026
Details
As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
6.99%
▼
APR6.99%
Last UpdatedApril 20, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Vacant Land Loans 5 Year Balloon
7.13%
▼
APR7.13%
Last UpdatedApril 20, 2026
Details
As Low As
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
415 Washington Ave, Bay City, MI, 48708 5712
Recreational Loans
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
401 E MIDLAND ST, BAY CITY, MI, 48706
Recreational Loans
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
401 E MIDLAND ST, BAY CITY, MI, 48706
Recreational Loans
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
401 E MIDLAND ST, BAY CITY, MI, 48706
Recreational Loans
8.50%
▼
APR8.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
8.74%
▼
APR8.74%
Last UpdatedApril 20, 2026
Details
As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
915 S Euclid Ave, Bay City, MI, 48706
Land Loan
9.48%
▼
APR9.48%
Last UpdatedApril 20, 2026
Details
20% Down Payment, Payments amortized up to 240 months
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
9.49%
▼
APR9.49%
Last UpdatedApril 20, 2026
Details
As Low As
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6354 Westside Saginaw Rd, Bay City, MI, 48706 9394
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 20, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
401 E MIDLAND ST, BAY CITY, MI, 48706
Recreational Loans
9.50%
▼
APR9.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
404 S Euclid Ave, Bay City, MI, 48706 3206
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
As Low As
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
800 N Euclid Ave, Bay City, MI, 48706
Personal Signature Loan
10.06%
▼
APR10.06%
Last UpdatedApril 20, 2026
Details
No additional details available.
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
800 N Euclid Ave, Bay City, MI, 48706
Be Happy Loan
10.08%
▼
APR10.08%
Last UpdatedApril 20, 2026
Details
No additional details available.
United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.98%
1309 N Lincoln St, Bay City, MI, 48708 6172
Loan
10.24%
▼
APR10.24%
Last UpdatedApril 20, 2026
Details
As Low As
Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
404 S Euclid Ave, Bay City, MI, 48706 3206
Signature Loan
10.24%
▼
APR10.24%
Last UpdatedApril 20, 2026
Details
As Low As
Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
404 S Euclid Ave, Bay City, MI, 48706 3206
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedApril 20, 2026
Details
As Low As
Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
404 S Euclid Ave, Bay City, MI, 48706 3206
Signature Loan
10.74%
▼
APR10.74%
Last UpdatedApril 20, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
401 E MIDLAND ST, BAY CITY, MI, 48706
Personal
10.74%
▼
APR10.74%
Last UpdatedApril 20, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
401 E MIDLAND ST, BAY CITY, MI, 48706
Personal Loan
10.74%
▼
APR10.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2936 Wilder Rd, Bay City, MI, 48706
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As; Rates are based on the applicant's credit score.
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1479 Straits Dr, Bay City, MI, 48706
Unsecured-Personal Loans
11.40%
▼
APR11.40%
Last UpdatedApril 20, 2026
Details
As Low As
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2936 Wilder Rd, Bay City, MI, 48706
Debt Consolidation
11.49%
▼
APR11.49%
Last UpdatedApril 20, 2026
Details
As Low As; Rates are based on the applicant's credit score.
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
401 E MIDLAND ST, BAY CITY, MI, 48706
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedApril 20, 2026
Details
As Low As; with Loyalty Discount
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Personal Loans
11.74%
▼
APR11.74%
Last UpdatedApril 20, 2026
Details
As Low As
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
415 Washington Ave, Bay City, MI, 48708 5712
12 MTH SIGNATURE LOAN
11.75%
▼
APR11.75%
Last UpdatedApril 20, 2026
Details
As Low As; 0.50% OFF FOR AUTO PAY
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
915 S Euclid Ave, Bay City, MI, 48706
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedApril 20, 2026
Details
Signature Loan
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
915 S Euclid Ave, Bay City, MI, 48706
Signature Loan Minimum
11.88%
▼
APR11.88%
Last UpdatedApril 20, 2026
Details
$10,000; As Low As; Eligible for Take-Back
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
915 S Euclid Ave, Bay City, MI, 48706
Signature Loan
11.90%
▼
APR11.90%
Last UpdatedApril 20, 2026
Details
As Low As; Eligible for Take-Back
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Debt Consolidation
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Debt Consolidation Loan
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
As Low As; with Loyalty Discount
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
As Low As; with Loyalty Discount
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Personal Loan
12.24%
▼
APR12.24%
Last UpdatedApril 20, 2026
Details
As Low As; with Loyalty Discount
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
401 E MIDLAND ST, BAY CITY, MI, 48706
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 20, 2026
Details
As Low As; with Loyalty Discount
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
415 Washington Ave, Bay City, MI, 48708 5712
24 MTH SIGNATURE LOAN
12.75%
▼
APR12.75%
Last UpdatedApril 20, 2026
Details
As Low As; GREAT RATES! APPLY TODAY!
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 20, 2026
Details
As Low As; with Loyalty Discount
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Personal Loan
13.49%
▼
APR13.49%
Last UpdatedApril 20, 2026
Details
As Low As; with Loyalty Discount
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
415 Washington Ave, Bay City, MI, 48708 5712
36 MTH SIGNATURE LOAN
13.75%
▼
APR13.75%
Last UpdatedApril 20, 2026
Details
As Low As; GREAT RATES! APPLY TODAY!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
415 Washington Ave, Bay City, MI, 48708 5712
48 MTH SIGNATURE LOAN
14.75%
▼
APR14.75%
Last UpdatedApril 20, 2026
Details
As Low As; GREAT RATES! APPLY TODAY!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
415 Washington Ave, Bay City, MI, 48708 5712
60 MTH SIGNATURE LOAN
15.75%
▼
APR15.75%
Last UpdatedApril 20, 2026
Details
As Low As; GREAT RATES! APPLY TODAY!
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
915 S Euclid Ave, Bay City, MI, 48706
Let's Go Loan
18.99%
▼
APR18.99%
Last UpdatedApril 20, 2026
Details
As Low As; No Credit Check
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
915 S Euclid Ave, Bay City, MI, 48706
Let's Go Loan**
18.99%
▼
APR18.99%
Last UpdatedApril 20, 2026
Details
As Low As; No Credit Check
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
401 E MIDLAND ST, BAY CITY, MI, 48706
Grand Whatever Loan (Rate=15.59%)
24.90%
▼
APR24.90%
Last UpdatedApril 20, 2026
Details
No additional details available.
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
Expressway Loans
3.99%
▼
APR3.99%
Last UpdatedApril 20, 2026
Details
As Low As
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share/Signature
4.00%
▼
APR4.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Share Pledge Loans
4.00%
▼
APR4.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Flagship Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Personal Loan
4.45%
▼
APR4.45%
Last UpdatedApril 20, 2026
Details
As Low As
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
Recreational Loans
4.49%
▼
APR4.49%
Last UpdatedApril 20, 2026
Details
As Low As
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
4.50%
▼
APR4.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Solar Heater Loan
4.50%
▼
APR4.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
Money Saver Loan
4.75%
▼
APR4.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
Spring Loan Special 36 Months
4.75%
▼
APR4.75%
Last UpdatedApril 20, 2026
Details
As Low As
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
CU Heart Relief Loan
4.95%
▼
APR4.95%
Last UpdatedApril 20, 2026
Details
As Low As; Supporting our community through flood & storm recovery.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Vacation Loans
5.00%
▼
APR5.00%
Last UpdatedApril 20, 2026
Details
Must provide travel itinerary
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
Credit Saver Loan
5.00%
▼
APR5.00%
Last UpdatedApril 20, 2026
Details
This APR will vary with the market based on the dividend rate.
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Electric/Hybrid Loans (2021-2016)
5.45%
▼
APR5.45%
Last UpdatedApril 20, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Recreation Loan
5.49%
▼
APR5.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Recreational Loans
5.50%
▼
APR5.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Recreational Loan
5.50%
▼
APR5.50%
Last UpdatedApril 20, 2026
Details
As Low As
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Photovoltaic Loans
5.50%
▼
APR5.50%
Last UpdatedApril 20, 2026
Details
Rates are determined by the repayment terms; Loan proceeds to be paid directly to contractor.
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Electric/Hybrid Loans (2021-2016)
5.70%
▼
APR5.70%
Last UpdatedApril 20, 2026
Details
As Low As
APR5.74%
Last UpdatedApril 20, 2026
Details
As Low As; Proof of Income is required.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
Signature/Unsecured
5.75%
▼
APR5.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
New Equipment Loan
5.99%
▼
APR5.99%
Last UpdatedApril 20, 2026
Details
Relationship APR
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Closed End Signature Loan
5.99%
▼
APR5.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR5.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Recreational Loan Special
5.99%
▼
APR5.99%
Last UpdatedApril 20, 2026
Details
As Low As
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
Recreation Loans
6.00%
▼
APR6.00%
Last UpdatedApril 20, 2026
Details
As Low As
APR6.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR6.24%
Last UpdatedApril 20, 2026
Details
No additional details available.
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
Spring Loan Special 60 Months
6.25%
▼
APR6.25%
Last UpdatedApril 20, 2026
Details
As Low As
APR6.34%
Last UpdatedApril 20, 2026
Details
As Low As
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
One-Time Close Construction Loan Rate
6.40%
▼
APR6.40%
Last UpdatedApril 20, 2026
Details
No additional details available.
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Electric/Hybrid Loans (2021-2016)
6.45%
▼
APR6.45%
Last UpdatedApril 20, 2026
Details
As Low As
APR6.46%
Last UpdatedApril 20, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Recreational Loans
6.49%
▼
APR6.49%
Last UpdatedApril 20, 2026
Details
As Low As; 2025 and Newer
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Used Equipment Loan
6.49%
▼
APR6.49%
Last UpdatedApril 20, 2026
Details
Relationship APR
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
New Personal Recreational (2025-2026) 24 Month
6.49%
▼
APR6.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR6.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR6.49%
Last UpdatedApril 20, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Recreational Loans
6.50%
▼
APR6.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Norfolk Southern Stock Loan
6.50%
▼
APR6.50%
Last UpdatedApril 20, 2026
Details
Months (75% of stock value)
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
New Personal Recreational (2025-2026) 48 Month
6.50%
▼
APR6.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR6.51%
Last UpdatedApril 20, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
New Personal Recreational (2025-2026) 36 Month
6.58%
▼
APR6.58%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR6.68%
Last UpdatedApril 20, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Recreational Loans
6.74%
▼
APR6.74%
Last UpdatedApril 20, 2026
Details
As Low As; 2024-2017
APR6.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR6.84%
Last UpdatedApril 20, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
Land Loan 10-year
6.91%
▼
APR6.91%
Last UpdatedApril 20, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
Land Loan 62-Month Balloon
6.94%
▼
APR6.94%
Last UpdatedApril 20, 2026
Details
30-Year Amortization
APR6.96%
Last UpdatedApril 20, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
New Personal Recreational (2025-2026) 60 Month
6.96%
▼
APR6.96%
Last UpdatedApril 20, 2026
Details
No additional details available.
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Vacation Loans
6.99%
▼
APR6.99%
Last UpdatedApril 20, 2026
Details
As Low As; Lower rates than typical credit cards (starting at 6.99% APR)
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 20, 2026
Details
As Low As
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
New Equipment Loan
6.99%
▼
APR6.99%
Last UpdatedApril 20, 2026
Details
Fixed APR
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Debt Consolidation
6.99%
▼
APR6.99%
Last UpdatedApril 20, 2026
Details
As Low As
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 20, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 20, 2026
Details
As Low As
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
All Other Closed End Loans
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Recreational Loans
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Green & White Loan
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Collateralized Loans (Backed by property, other than Real Estate)
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Other Collateral Loans
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Debt Consolidation Loan
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Berkeley Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
As Low As
APR7.01%
Last UpdatedApril 20, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
New Personal Recreational (2025-2026) 72 Month
7.18%
▼
APR7.18%
Last UpdatedApril 20, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
Used Personal Recreational (2024 and older) 24 Month
7.24%
▼
APR7.24%
Last UpdatedApril 20, 2026
Details
No additional details available.
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
POWER SPORTS LOAN 2019 and Newer
7.25%
▼
APR7.25%
Last UpdatedApril 20, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
Used Personal Recreational (2024 and older) 48 Month
7.26%
▼
APR7.26%
Last UpdatedApril 20, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
Used Personal Recreational (2024 and older) 36 Month
7.34%
▼
APR7.34%
Last UpdatedApril 20, 2026
Details
No additional details available.
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Used Equipment Loan
7.49%
▼
APR7.49%
Last UpdatedApril 20, 2026
Details
Fixed APR
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Other Collateral Loans
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Recreational Loans
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Adventure Loan
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
Term Based on Loan Amount - Max Term of 180 Months; Credit Score: 800+
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
Used Personal Recreational (2024 and older) 60 Month
7.71%
▼
APR7.71%
Last UpdatedApril 20, 2026
Details
No additional details available.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
Consumer Loans
7.75%
▼
APR7.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
Signature/Unsecured
7.75%
▼
APR7.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
New Motorsports Loan
7.84%
▼
APR7.84%
Last UpdatedApril 20, 2026
Details
No additional details available.
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Signature Loan 24 Months
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As; Multi Purpose 12 Month Loan
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Signature Loan 36 Months
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Signature Loan 12 Months
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
Unsecured Closed End Loan
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Closed End Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
Tri Cities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
HOLIDAY LOAN SPECIAL
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As; 12 Month Max
APR8.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR8.00%
Last UpdatedApril 20, 2026
Details
As Low As
Detour Drummond Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
As Low As
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
Personal/Signature loan
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
As Low As
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Adventure Loan
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
Credit Score: 750-799
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Unsecured Loans
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
up to $10,000; As Low As
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
Used Personal Recreational (2024 and older) 72 Month
8.18%
▼
APR8.18%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR8.25%
Last UpdatedApril 20, 2026
Details
As Low As
APR8.25%
Last UpdatedApril 20, 2026
Details
As Low As
APR8.46%
Last UpdatedApril 20, 2026
Details
As Low As
APR8.50%
Last UpdatedApril 20, 2026
Details
As Low As
APR8.50%
Last UpdatedApril 20, 2026
Details
As Low As
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Adventure Loan
8.50%
▼
APR8.50%
Last UpdatedApril 20, 2026
Details
Credit Score: 700-749
GraCo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Unsecured Loan
8.50%
▼
APR8.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Holiday Loan
8.50%
▼
APR8.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Awakon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Consumer Loan
8.50%
▼
APR8.50%
Last UpdatedApril 20, 2026
Details
As Low As; Starting at 12 months
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
PERSONAL LOAN
8.50%
▼
APR8.50%
Last UpdatedApril 20, 2026
Details
As Low As; FOR UP TO 24 MONTHS
APR8.50%
Last UpdatedApril 20, 2026
Details
As Low As
APR8.51%
Last UpdatedApril 20, 2026
Details
As Low As
APR8.59%
Last UpdatedApril 20, 2026
Details
As Low As
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
Signature Loans
8.65%
▼
APR8.65%
Last UpdatedApril 20, 2026
Details
up to $25,000; As Low As
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
Unsecured Loans
8.74%
▼
APR8.74%
Last UpdatedApril 20, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Machinery/Equipment Loan
8.74%
▼
APR8.74%
Last UpdatedApril 20, 2026
Details
As Low As; A minimum of 20% down payment is required. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Maximum Secured Loan $40,000, Maximum aggregate loan amount not to exceed $49,999
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
Consumer Loans
8.75%
▼
APR8.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
General Purpose Unsecured Loan
8.75%
▼
APR8.75%
Last UpdatedApril 20, 2026
Details
As Low As
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Signature Installment Loan
8.75%
▼
APR8.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR8.76%
Last UpdatedApril 20, 2026
Details
As Low As
Marquette Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Personal
8.90%
▼
APR8.90%
Last UpdatedApril 20, 2026
Details
No additional details available.
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Used Motorsports Loan
8.92%
▼
APR8.92%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR8.96%
Last UpdatedApril 20, 2026
Details
As Low As
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
Unsecured (Closed-End) Holiday Loan
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
Unsecured (Closed-End) Summer Fun Loans
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As; $4,00 Max
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Other Unsecured Closed End Loans
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6354 Westside Saginaw Rd, Bay City, MI, 48706 9394
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 20, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
401 E MIDLAND ST, BAY CITY, MI, 48706
Personal Loan
10.74%
▼
APR10.74%
Last UpdatedApril 20, 2026
Details
No additional details available.
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2936 Wilder Rd, Bay City, MI, 48706
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As; Rates are based on the applicant's credit score.
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1479 Straits Dr, Bay City, MI, 48706
Unsecured-Personal Loans
11.40%
▼
APR11.40%
Last UpdatedApril 20, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
401 E MIDLAND ST, BAY CITY, MI, 48706
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedApril 20, 2026
Details
As Low As; with Loyalty Discount
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Personal Loans
11.74%
▼
APR11.74%
Last UpdatedApril 20, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
As Low As; with Loyalty Discount
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Personal Loan
12.24%
▼
APR12.24%
Last UpdatedApril 20, 2026
Details
As Low As; with Loyalty Discount
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
401 E MIDLAND ST, BAY CITY, MI, 48706
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 20, 2026
Details
As Low As; with Loyalty Discount
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 20, 2026
Details
As Low As; with Loyalty Discount
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Personal Loan
13.49%
▼
APR13.49%
Last UpdatedApril 20, 2026
Details
As Low As; with Loyalty Discount
Flagship Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Personal Loan
4.45%
▼
APR4.45%
Last UpdatedApril 20, 2026
Details
As Low As
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 20, 2026
Details
As Low As
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 20, 2026
Details
As Low As
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Berkeley Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR8.00%
Last UpdatedApril 20, 2026
Details
As Low As
APR8.50%
Last UpdatedApril 20, 2026
Details
As Low As
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
PERSONAL LOAN
8.50%
▼
APR8.50%
Last UpdatedApril 20, 2026
Details
As Low As; FOR UP TO 24 MONTHS
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As; $4,00 Max
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As
Powered by
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2936 Wilder Rd, Bay City, MI, 48706
Debt Consolidation
11.49%
▼
APR11.49%
Last UpdatedApril 20, 2026
Details
As Low As; Rates are based on the applicant's credit score.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Debt Consolidation
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4129 N Euclid Ave, Bay City, MI, 48706
Debt Consolidation Loan
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
As Low As; with Loyalty Discount
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Debt Consolidation
6.99%
▼
APR6.99%
Last UpdatedApril 20, 2026
Details
As Low As
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Debt Consolidation Loan
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Debt Consolidation Loan
9.20%
▼
APR9.20%
Last UpdatedApril 20, 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: 3.98%
Debt Consolidation Loan
10.09%
▼
APR10.09%
Last UpdatedApril 20, 2026
Details
No additional details available.
People Driven Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Debt Consolidation
10.74%
▼
APR10.74%
Last UpdatedApril 20, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Personal and Debt Consolidation
11.24%
▼
APR11.24%
Last UpdatedApril 20, 2026
Details
No additional details available.
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Personal and Debt Consolidation
12.24%
▼
APR12.24%
Last UpdatedApril 20, 2026
Details
No additional details available.
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Debt Consolidation
12.49%
▼
APR12.49%
Last UpdatedApril 20, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Personal and Debt Consolidation
13.24%
▼
APR13.24%
Last UpdatedApril 20, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 20, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 20, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Debt Consolidation Loan
17.99%
▼
APR17.99%
Last UpdatedApril 20, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
404 S Euclid Ave, Bay City, MI, 48706 3206
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
As Low As
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
800 N Euclid Ave, Bay City, MI, 48706
Personal Signature Loan
10.06%
▼
APR10.06%
Last UpdatedApril 20, 2026
Details
No additional details available.
Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
404 S Euclid Ave, Bay City, MI, 48706 3206
Signature Loan
10.24%
▼
APR10.24%
Last UpdatedApril 20, 2026
Details
As Low As
Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
404 S Euclid Ave, Bay City, MI, 48706 3206
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedApril 20, 2026
Details
As Low As
Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
404 S Euclid Ave, Bay City, MI, 48706 3206
Signature Loan
10.74%
▼
APR10.74%
Last UpdatedApril 20, 2026
Details
As Low As
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
415 Washington Ave, Bay City, MI, 48708 5712
12 MTH SIGNATURE LOAN
11.75%
▼
APR11.75%
Last UpdatedApril 20, 2026
Details
As Low As; 0.50% OFF FOR AUTO PAY
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
915 S Euclid Ave, Bay City, MI, 48706
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedApril 20, 2026
Details
Signature Loan
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
915 S Euclid Ave, Bay City, MI, 48706
Signature Loan Minimum
11.88%
▼
APR11.88%
Last UpdatedApril 20, 2026
Details
$10,000; As Low As; Eligible for Take-Back
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
915 S Euclid Ave, Bay City, MI, 48706
Signature Loan
11.90%
▼
APR11.90%
Last UpdatedApril 20, 2026
Details
As Low As; Eligible for Take-Back
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
415 Washington Ave, Bay City, MI, 48708 5712
24 MTH SIGNATURE LOAN
12.75%
▼
APR12.75%
Last UpdatedApril 20, 2026
Details
As Low As; GREAT RATES! APPLY TODAY!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
415 Washington Ave, Bay City, MI, 48708 5712
36 MTH SIGNATURE LOAN
13.75%
▼
APR13.75%
Last UpdatedApril 20, 2026
Details
As Low As; GREAT RATES! APPLY TODAY!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
415 Washington Ave, Bay City, MI, 48708 5712
48 MTH SIGNATURE LOAN
14.75%
▼
APR14.75%
Last UpdatedApril 20, 2026
Details
As Low As; GREAT RATES! APPLY TODAY!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
415 Washington Ave, Bay City, MI, 48708 5712
60 MTH SIGNATURE LOAN
15.75%
▼
APR15.75%
Last UpdatedApril 20, 2026
Details
As Low As; GREAT RATES! APPLY TODAY!
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share/Signature
4.00%
▼
APR4.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
4.50%
▼
APR4.50%
Last UpdatedApril 20, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
Signature/Unsecured
5.75%
▼
APR5.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Closed End Signature Loan
5.99%
▼
APR5.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
Signature/Unsecured
7.75%
▼
APR7.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Closed End Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Signature Loan 12 Months
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Signature Loan 24 Months
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Signature Loan 36 Months
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
Personal/Signature loan
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
As Low As
Detour Drummond Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
As Low As
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
Signature Loans
8.65%
▼
APR8.65%
Last UpdatedApril 20, 2026
Details
up to $25,000; As Low As
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Signature Installment Loan
8.75%
▼
APR8.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
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MonitorBankRates
No home improvement personal loan rates found in Bay City, MI currently.
Bay City, MI Personal Loan Rate Trends
Compare local Bay City, MI 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
11.566%
▲ 0.050 vs 7 days ago
Michigan personal loan rates rose 0.050 points over the past 7 days to 11.566% APR.
Signature Loan — MI Avg
11.326%
▲ 0.167 vs 7 days ago
Michigan signature loan rates rose 0.167 points over the past 7 days to 11.326% APR.
As of Apr 20, 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 Michigan?
Most lenders in Bay City, 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 Bay City, 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 Bay City, 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 Bay City, Michigan?
Credit unions in Bay City, 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 Bay City, Michigan?
- Frankenmuth Credit Union: 4.00% (Share Pledged Loan)
- United Bay Community Credit Union: 4.74% (Loan)
- Jolt Credit Union: 5.25% (Technology Loan)
- Financial Plus Credit Union Flint, MI: 7.13% (Vacant Land Loans 5 Year Balloon)
- Great Lakes Federal Credit Union: 7.50% (Recreational Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Bay City, Michigan. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026.
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