Best Personal Loan Rates in Oscoda, Michigan (MI) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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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 Oscoda, Michigan include: Alpena-Alcona Area Credit UnionAlpena-Alcona Area Credit Union103 S State St, Oscoda, MI, 48750 1632A+5.0 ★Texas Ratio: 3.81% offering CU Heart Relief Loan at 4.95% APR, Wolverine State Credit UnionWolverine State Credit Union201 N State St, Oscoda, MI, 48750 1752A5.0 ★Texas Ratio: 6.10% offering Personal/Signature loan at 8.00% APR, Route 31 Federal Credit UnionRoute 31 Federal Credit UnionA+5.0 ★Texas Ratio: 2.54% offering Expressway Loans at 3.99% APR, Members First Credit Union Midland, MIMembers First Credit Union Midland, MIA5.0 ★Texas Ratio: 8.84% offering Share Pledge Loans at 4.00% APR, and Northwest Consumers Federal Credit UnionNorthwest Consumers Federal Credit UnionA+5.0 ★Texas Ratio: 2.20% offering Share Pledge Loan at 4.00% APR. Personal loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Oscoda has 2 local institutions in our database, with personal loan rates as low as 4.95% APR from Alpena-Alcona Area Credit Union at 103 S State St, Oscoda, MI, 48750 1632. 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 Oscoda, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Oscoda, 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 27, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
103 S State St, Oscoda, MI, 48750 1632
CU Heart Relief Loan
4.95%
▼
APR4.95%
Last UpdatedApril 30, 2026
Details
Supporting our community through flood & storm recovery.
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
201 N State St, Oscoda, MI, 48750 1752
Personal/Signature loan
8.00%
▼
APR8.00%
Last UpdatedApril 30, 2026
Details
As Low As
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
103 S State St, Oscoda, MI, 48750 1632
Debt Consolidation Loan
9.20%
▼
APR9.20%
Last UpdatedApril 30, 2026
Details
Rate stated is "as low as" and not all borrowers may qualify.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
103 S State St, Oscoda, MI, 48750 1632
Signature Loan
9.20%
▼
APR9.20%
Last UpdatedApril 30, 2026
Details
Rate stated is "as low as" and not all borrowers may qualify.
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
Expressway Loans
3.99%
▼
APR3.99%
Last UpdatedApril 30, 2026
Details
As Low As
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
Share Pledge Loans
4.00%
▼
APR4.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
Northwest Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Share Pledge Loan
4.00%
▼
APR4.00%
Last UpdatedApril 30, 2026
Details
Use your money on deposit as security for a great rate
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
Share Pledged Loan
4.00%
▼
APR4.00%
Last UpdatedApril 30, 2026
Details
As Low As; for example funds in a 1.00%APY product; Savings Product + 3.00%
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share/Signature
4.00%
▼
APR4.00%
Last UpdatedApril 30, 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 30, 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 30, 2026
Details
No additional details available.
APR4.74%
Last UpdatedApril 30, 2026
Details
As Low As
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
Money Saver Loan
4.75%
▼
APR4.75%
Last UpdatedApril 30, 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 30, 2026
Details
As Low As
APR4.99%
Last UpdatedApril 30, 2026
Details
As Low As
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Vacation Loans
5.00%
▼
APR5.00%
Last UpdatedApril 30, 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 30, 2026
Details
This APR will vary with the market based on the dividend rate.
APR5.24%
Last UpdatedApril 30, 2026
Details
As Low As
APR5.25%
Last UpdatedApril 30, 2026
Details
Technology Loan
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Electric/Hybrid Loans (2021-2016)
5.45%
▼
APR5.45%
Last UpdatedApril 30, 2026
Details
As Low As
APR5.49%
Last UpdatedApril 30, 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 30, 2026
Details
No additional details available.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Photovoltaic Loans
5.50%
▼
APR5.50%
Last UpdatedApril 30, 2026
Details
Rates are determined by the repayment terms; Loan proceeds to be paid directly to contractor.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Recreational Loan
5.50%
▼
APR5.50%
Last UpdatedApril 30, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Recreational Loans
5.50%
▼
APR5.50%
Last UpdatedApril 30, 2026
Details
No additional details available.
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Electric/Hybrid Loans (2021-2016)
5.70%
▼
APR5.70%
Last UpdatedApril 30, 2026
Details
As Low As
APR5.74%
Last UpdatedApril 30, 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 30, 2026
Details
No additional details available.
APR5.99%
Last UpdatedApril 30, 2026
Details
As Low As
APR5.99%
Last UpdatedApril 30, 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 30, 2026
Details
As Low As
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Closed End Signature Loan
5.99%
▼
APR5.99%
Last UpdatedApril 30, 2026
Details
No additional details available.
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
Recreation Loans
6.00%
▼
APR6.00%
Last UpdatedApril 30, 2026
Details
As Low As
APR6.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
APR6.24%
Last UpdatedApril 30, 2026
Details
No additional details available.
APR6.25%
Last UpdatedApril 30, 2026
Details
Season Loan
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
Spring Loan Special 60 Months
6.25%
▼
APR6.25%
Last UpdatedApril 30, 2026
Details
As Low As
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
10 Year Construction Loan
6.25%
▼
APR6.25%
Last UpdatedApril 30, 2026
Details
No additional details available.
APR6.34%
Last UpdatedApril 30, 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 30, 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 30, 2026
Details
As Low As
APR6.46%
Last UpdatedApril 30, 2026
Details
As Low As
APR6.49%
Last UpdatedApril 30, 2026
Details
No additional details available.
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 30, 2026
Details
No additional details available.
APR6.49%
Last UpdatedApril 30, 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 30, 2026
Details
As Low As; 2025 and Newer
APR6.49%
Last UpdatedApril 30, 2026
Details
As Low As
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Norfolk Southern Stock Loan
6.50%
▼
APR6.50%
Last UpdatedApril 30, 2026
Details
Months (75% of stock value)
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Recreational Loans
6.50%
▼
APR6.50%
Last UpdatedApril 30, 2026
Details
No additional details available.
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 30, 2026
Details
No additional details available.
APR6.51%
Last UpdatedApril 30, 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 30, 2026
Details
No additional details available.
APR6.68%
Last UpdatedApril 30, 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 30, 2026
Details
As Low As; 2024-2017
APR6.74%
Last UpdatedApril 30, 2026
Details
No additional details available.
APR6.84%
Last UpdatedApril 30, 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 30, 2026
Details
No additional details available.
APR6.96%
Last UpdatedApril 30, 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 30, 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 30, 2026
Details
As Low As; Lower rates than typical credit cards (starting at 6.99% APR)
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Debt Consolidation
6.99%
▼
APR6.99%
Last UpdatedApril 30, 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 30, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 30, 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 30, 2026
Details
As Low As; Up to $10,000.00
APR6.99%
Last UpdatedApril 30, 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 30, 2026
Details
No additional details available.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Green & White Loan
7.00%
▼
APR7.00%
Last UpdatedApril 30, 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 30, 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 30, 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 30, 2026
Details
No additional details available.
APR7.01%
Last UpdatedApril 30, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Vacant Land Loans 5 Year Balloon
7.13%
▼
APR7.13%
Last UpdatedApril 30, 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 30, 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 30, 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 30, 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 30, 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 30, 2026
Details
No additional details available.
APR7.50%
Last UpdatedApril 30, 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 30, 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 30, 2026
Details
Credit Score: 800+; Rate with 0% Down: 7.50%
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
Recreational Loans
7.50%
▼
APR7.50%
Last UpdatedApril 30, 2026
Details
As Low As
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 30, 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 30, 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 30, 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 30, 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 30, 2026
Details
As Low As; APR as low as 7.99%
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Signature Loan 36 Months
7.99%
▼
APR7.99%
Last UpdatedApril 30, 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 30, 2026
Details
No additional details available.
APR7.99%
Last UpdatedApril 30, 2026
Details
As Low As; Multi Purpose 12 Month Loan
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 30, 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 30, 2026
Details
As Low As; Up to $10,000.00
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 30, 2026
Details
No additional details available.
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 30, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 30, 2026
Details
As Low As
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Adventure Loan
8.00%
▼
APR8.00%
Last UpdatedApril 30, 2026
Details
Credit Score: 750-799; Rate with 0% Down: 8.00%
APR8.00%
Last UpdatedApril 30, 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 30, 2026
Details
No additional details available.
Detour Drummond Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 30, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 30, 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 30, 2026
Details
up to $10,000; As Low As
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 30, 2026
Details
No additional details available.
APR8.25%
Last UpdatedApril 30, 2026
Details
As Low As
APR8.25%
Last UpdatedApril 30, 2026
Details
As Low As
APR8.46%
Last UpdatedApril 30, 2026
Details
As Low As
APR8.50%
Last UpdatedApril 30, 2026
Details
As Low As
APR8.50%
Last UpdatedApril 30, 2026
Details
As Low As
GraCo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Unsecured Loan
8.50%
▼
APR8.50%
Last UpdatedApril 30, 2026
Details
No additional details available.
APR8.50%
Last UpdatedApril 30, 2026
Details
No additional details available.
APR8.50%
Last UpdatedApril 30, 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 30, 2026
Details
Rates as low as
Awakon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Consumer Loan
8.50%
▼
APR8.50%
Last UpdatedApril 30, 2026
Details
Starting at 12 months
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
Holiday Loan
8.50%
▼
APR8.50%
Last UpdatedApril 30, 2026
Details
No additional details available.
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Adventure Loan
8.50%
▼
APR8.50%
Last UpdatedApril 30, 2026
Details
Credit Score: 700-749; Rate with 0% Down: 8.50%
APR8.51%
Last UpdatedApril 30, 2026
Details
As Low As
APR8.59%
Last UpdatedApril 30, 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 30, 2026
Details
up to $25,000; As Low As
APR8.74%
Last UpdatedApril 30, 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 30, 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
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
Unsecured Loans
8.74%
▼
APR8.74%
Last UpdatedApril 30, 2026
Details
As Low As
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
Consumer Loans
8.75%
▼
APR8.75%
Last UpdatedApril 30, 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 30, 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 30, 2026
Details
No additional details available.
APR8.76%
Last UpdatedApril 30, 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 30, 2026
Details
No additional details available.
APR8.96%
Last UpdatedApril 30, 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 30, 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 30, 2026
Details
As Low As; Up to $10,000.00
APR8.99%
Last UpdatedApril 30, 2026
Details
As Low As; Multi Purpose 24 Month Loan
APR8.99%
Last UpdatedApril 30, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 30, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 30, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 30, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 30, 2026
Details
No additional details available.
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 30, 2026
Details
As Low As; $4,00 Max
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
Unsecured (Closed-End) Summer Fun Loans
8.99%
▼
APR8.99%
Last UpdatedApril 30, 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 30, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 30, 2026
Details
As Low As
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedApril 30, 2026
Details
Loan Payment Calculator
Northwest Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
UNSECURED LOAN
9.00%
▼
APR9.00%
Last UpdatedApril 30, 2026
Details
TERMS UP TO 60 MONTHS
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedApril 30, 2026
Details
As Low As
Wexford Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
LIMITED-TIME LOAN SPECIAL
9.00%
▼
APR9.00%
Last UpdatedApril 30, 2026
Details
Valid through April 30
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
3 Year Signature Loan
9.20%
▼
APR9.20%
Last UpdatedApril 30, 2026
Details
As Low As
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
Signature Loans
9.20%
▼
APR9.20%
Last UpdatedApril 30, 2026
Details
As Low As
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
12 Month Unsecured Loan
9.25%
▼
APR9.25%
Last UpdatedApril 30, 2026
Details
As Low As; * For emergencies or vacations!
APR9.37%
Last UpdatedApril 30, 2026
Details
As Low As
APR9.41%
Last UpdatedApril 30, 2026
Details
As Low As
APR9.48%
Last UpdatedApril 30, 2026
Details
20% Down Payment, Payments amortized up to 240 months
APR9.49%
Last UpdatedApril 30, 2026
Details
As Low As
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
Unsecured - Closed End
9.49%
▼
APR9.49%
Last UpdatedApril 30, 2026
Details
As Low As
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 30, 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 30, 2026
Details
As Low As; Up to $10,000.00
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 30, 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 30, 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 30, 2026
Details
As Low As; Up to $10,000.00
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
APR8.00%
Last UpdatedApril 30, 2026
Details
As Low As
APR8.50%
Last UpdatedApril 30, 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 30, 2026
Details
Rates 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 30, 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 30, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 30, 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 30, 2026
Details
As Low As; Up to $10,000.00
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
103 S State St, Oscoda, MI, 48750 1632
Debt Consolidation Loan
9.20%
▼
APR9.20%
Last UpdatedApril 30, 2026
Details
Rate stated is "as low as" and not all borrowers may qualify.
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Debt Consolidation
6.99%
▼
APR6.99%
Last UpdatedApril 30, 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 30, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 30, 2026
Details
As Low As
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Debt Consolidation Loan
10.09%
▼
APR10.09%
Last UpdatedApril 30, 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 30, 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 30, 2026
Details
No additional details available.
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Debt Consolidation
11.49%
▼
APR11.49%
Last UpdatedApril 30, 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%
Debt Consolidation Loan
11.99%
▼
APR11.99%
Last UpdatedApril 30, 2026
Details
As Low As; with Loyalty Discount
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Debt Consolidation
11.99%
▼
APR11.99%
Last UpdatedApril 30, 2026
Details
As Low As
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Personal and Debt Consolidation
12.24%
▼
APR12.24%
Last UpdatedApril 30, 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 30, 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 30, 2026
Details
No additional details available.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Debt Consolidation Loan
13.24%
▼
APR13.24%
Last UpdatedApril 30, 2026
Details
As Low As; ...
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 30, 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 30, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Debt Consolidation Loan
14.74%
▼
APR14.74%
Last UpdatedApril 30, 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 30, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
201 N State St, Oscoda, MI, 48750 1752
Personal/Signature loan
8.00%
▼
APR8.00%
Last UpdatedApril 30, 2026
Details
As Low As
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
103 S State St, Oscoda, MI, 48750 1632
Signature Loan
9.20%
▼
APR9.20%
Last UpdatedApril 30, 2026
Details
Rate stated is "as low as" and not all borrowers may qualify.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share/Signature
4.00%
▼
APR4.00%
Last UpdatedApril 30, 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 30, 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 30, 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 30, 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 30, 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 30, 2026
Details
As Low As; APR as low as 7.99%
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Signature Loan 36 Months
7.99%
▼
APR7.99%
Last UpdatedApril 30, 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 30, 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 30, 2026
Details
No additional details available.
Detour Drummond Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 30, 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 30, 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 30, 2026
Details
No additional details available.
Wexford Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 30, 2026
Details
No additional details available.
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedApril 30, 2026
Details
As Low As
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedApril 30, 2026
Details
Loan Payment Calculator
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
3 Year Signature Loan
9.20%
▼
APR9.20%
Last UpdatedApril 30, 2026
Details
As Low As
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
Signature Loans
9.20%
▼
APR9.20%
Last UpdatedApril 30, 2026
Details
As Low As
Powered by
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No home improvement personal loan rates found in Oscoda, MI currently.
Oscoda, MI Personal Loan Rate Trends
Compare local Oscoda, 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
11.623%
▲ 0.080 vs 7 days ago
Michigan personal loan rates rose 0.080 points over the past 7 days to 11.623% APR.
Signature Loan — MI Avg
11.347%
▲ 0.013 vs 7 days ago
Michigan signature loan rates rose 0.013 points over the past 7 days to 11.347% APR.
As of Apr 30, 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 Oscoda, 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 Oscoda, 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 Oscoda, 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 Oscoda, Michigan?
Credit unions in Oscoda, 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 Oscoda, Michigan?
- Alpena-Alcona Area Credit Union: 4.95% (CU Heart Relief Loan)
- Wolverine State Credit Union: 8.00% (Personal/Signature loan)
- Route 31 Federal Credit Union: 3.99% (Expressway Loans)
- Members First Credit Union Midland, MI: 4.00% (Share Pledge Loans)
- Northwest Consumers Federal Credit Union: 4.00% (Share Pledge Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Oscoda, Michigan. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 27, 2026.
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