Best Personal Loan Rates in Saginaw, 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 Saginaw, Michigan include: Frankenmuth Credit UnionFrankenmuth Credit Union2796 Erna Dr, Saginaw, MI, 48603A5.0 ★Texas Ratio: 8.43% offering Share Pledged Loan at 4.00% APR, Lake Huron Credit UnionLake Huron Credit Union1540 Tittabawassee Rd, Saginaw, MI, 48604 9445A+5.0 ★Texas Ratio: 4.07% offering Other Titled or Non-titled Loans at 6.99% APR, Financial Plus Credit Union Flint, MIFinancial Plus Credit Union Flint, MI4686 Fashion Square Blvd, Saginaw, MI, 48604A+5.0 ★Texas Ratio: 3.29% offering Vacant Land Loans 5 Year Balloon at 7.01% APR, Team One Credit UnionTeam One Credit Union520 HAYDEN ST, SAGINAW, MI, 48607A+5.0 ★Texas Ratio: 5.24% offering Recreational Loans at 7.50% APR, and DOWDOW5420 Gratiot Rd, Saginaw, MI, 48638 6056A+5.0 ★ offering Personal Loans [non-rebate] at 8.00% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
Saginaw has 12 local institutions in our database, with personal loan rates as low as 4.00% APR from Frankenmuth Credit Union at 2796 Erna Dr, Saginaw, MI, 48603. 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 Saginaw, Michigan.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Saginaw, 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 11, 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%
2796 Erna Dr, Saginaw, MI, 48603
Share Pledged Loan
4.00%
▼
APR4.00%
Last UpdatedApril 11, 2026
Details
As Low As; for example funds in a 1.00%APY product; Savings Product + 3.00%
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI, 48603
10 Year Construction Loan
6.25%
▼
APR6.25%
Last UpdatedApril 11, 2026
Details
As Low As
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1540 Tittabawassee Rd, Saginaw, MI, 48604 9445
Other Titled or Non-titled Loans
6.99%
▼
APR6.99%
Last UpdatedApril 11, 2026
Details
As Low As; *APR is Annual Percentage Rate. 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.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Vacant Land Loans 5 Year Balloon
7.01%
▼
APR7.01%
Last UpdatedApril 11, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI, 48607
Recreational Loans
7.50%
▼
APR7.50%
Last UpdatedApril 11, 2026
Details
No additional details available.
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI, 48607
Recreational Loans
8.00%
▼
APR8.00%
Last UpdatedApril 11, 2026
Details
No additional details available.
DOW
Institution Rating:
A+5.0 ★
5420 Gratiot Rd, Saginaw, MI, 48638 6056
Personal Loans [non-rebate]
8.00%
▼
APR8.00%
Last UpdatedApril 11, 2026
Details
As Low As
DOW
Institution Rating:
A+5.0 ★
5420 Gratiot Rd, Saginaw, MI, 48638 6056
Personal Loans [non-rebate]
8.25%
▼
APR8.25%
Last UpdatedApril 11, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI, 48607
Recreational Loans
8.50%
▼
APR8.50%
Last UpdatedApril 11, 2026
Details
No additional details available.
DOW
Institution Rating:
A+5.0 ★
5420 Gratiot Rd, Saginaw, MI, 48638 6056
Personal Loans [non-rebate]
8.50%
▼
APR8.50%
Last UpdatedApril 11, 2026
Details
As Low As
DOW
Institution Rating:
A+5.0 ★
5420 Gratiot Rd, Saginaw, MI, 48638 6056
Personal Loans [non-rebate]
8.75%
▼
APR8.75%
Last UpdatedApril 11, 2026
Details
As Low As
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2882 Schust Rd, Saginaw, MI, 48603
Spring Loan
9.24%
▼
APR9.24%
Last UpdatedApril 11, 2026
Details
As Low As; Offer expires May 31, 2026.
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI, 48603
Land Loan
9.48%
▼
APR9.48%
Last UpdatedApril 11, 2026
Details
20% Down Payment, Payments amortized up to 240 months
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
4685 STATE ST, SAGINAW, MI, 48603
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedApril 11, 2026
Details
No additional details available.
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
4685 STATE ST, SAGINAW, MI, 48603
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 11, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI, 48607
Recreational Loans
9.50%
▼
APR9.50%
Last UpdatedApril 11, 2026
Details
No additional details available.
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1540 Tittabawassee Rd, Saginaw, MI, 48604 9445
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 11, 2026
Details
As Low As; *APR is Annual Percentage Rate. 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.
First Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
193 Campbell Ln, Saginaw, MI, 48609
Signature/Unsecured Loans
10.00%
▼
APR10.00%
Last UpdatedApril 11, 2026
Details
Up to 60 months
DOW
Institution Rating:
A+5.0 ★
5420 Gratiot Rd, Saginaw, MI, 48638 6056
Personal Loans [rebate eligible]
10.00%
▼
APR10.00%
Last UpdatedApril 11, 2026
Details
As Low As
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI, 48603
Personal Signature Loan
10.06%
▼
APR10.06%
Last UpdatedApril 11, 2026
Details
No additional details available.
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI, 48603
Be Happy Loan
10.08%
▼
APR10.08%
Last UpdatedApril 11, 2026
Details
No additional details available.
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI, 48603
Be Happy Personal Loan
10.08%
▼
APR10.08%
Last UpdatedApril 11, 2026
Details
No additional details available.
DOW
Institution Rating:
A+5.0 ★
5420 Gratiot Rd, Saginaw, MI, 48638 6056
Personal Loans [rebate eligible]
10.31%
▼
APR10.31%
Last UpdatedApril 11, 2026
Details
As Low As
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI, 48603
Be Happy Personal Loan
10.36%
▼
APR10.36%
Last UpdatedApril 11, 2026
Details
No additional details available.
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
4955 Bay Rd, Saginaw, MI, 48604
Unsecured Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 11, 2026
Details
As Low As; *APR = Annual Percentage Rate. Rates may be higher than advertised. Final rate is determined by loan applicant's creditworthiness, qualifications and collateral conditions. All rates are subject to change.
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI, 48603
Be Happy Personal Loan
10.63%
▼
APR10.63%
Last UpdatedApril 11, 2026
Details
No additional details available.
DOW
Institution Rating:
A+5.0 ★
5420 Gratiot Rd, Saginaw, MI, 48638 6056
Personal Loans [rebate eligible]
10.63%
▼
APR10.63%
Last UpdatedApril 11, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI, 48607
Personal
10.74%
▼
APR10.74%
Last UpdatedApril 11, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI, 48607
Personal Loan
10.74%
▼
APR10.74%
Last UpdatedApril 11, 2026
Details
No additional details available.
DOW
Institution Rating:
A+5.0 ★
5420 Gratiot Rd, Saginaw, MI, 48638 6056
Personal Loans [rebate eligible]
10.94%
▼
APR10.94%
Last UpdatedApril 11, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Credit Builder Loans
10.99%
▼
APR10.99%
Last UpdatedApril 11, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 11, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Signature Loans
10.99%
▼
APR10.99%
Last UpdatedApril 11, 2026
Details
As Low As
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2686 McLeod Dr N, Saginaw, MI, 48604
Unsecured-Personal Loans
11.40%
▼
APR11.40%
Last UpdatedApril 11, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI, 48607
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedApril 11, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedApril 11, 2026
Details
As Low As; with Loyalty Discount**
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Personal Loans
11.74%
▼
APR11.74%
Last UpdatedApril 11, 2026
Details
As Low As
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI, 48603
Signature Loan Minimum
11.88%
▼
APR11.88%
Last UpdatedApril 11, 2026
Details
$10,000; As Low As; 61 to 72 Months; Eligible for Take-Back
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2882 Schust Rd, Saginaw, MI, 48603
Personal Loans
11.90%
▼
APR11.90%
Last UpdatedApril 11, 2026
Details
No additional details available.
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI, 48603
Signature Loan
11.90%
▼
APR11.90%
Last UpdatedApril 11, 2026
Details
As Low As; Up to 60 Months; Eligible for Take-Back
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Debt Consolidation
11.99%
▼
APR11.99%
Last UpdatedApril 11, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Debt Consolidation Loan
11.99%
▼
APR11.99%
Last UpdatedApril 11, 2026
Details
As Low As; with Loyalty Discount**
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 11, 2026
Details
As Low As; with Loyalty Discount**
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Personal Loan
12.24%
▼
APR12.24%
Last UpdatedApril 11, 2026
Details
As Low As; with Loyalty Discount**
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2882 Schust Rd, Saginaw, MI, 48603
Freedom Loan
12.49%
▼
APR12.49%
Last UpdatedApril 11, 2026
Details
No additional details available.
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI, 48607
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 11, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 11, 2026
Details
As Low As; with Loyalty Discount**
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 11, 2026
Details
As Low As; with Loyalty Discount**
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Personal Loan
13.49%
▼
APR13.49%
Last UpdatedApril 11, 2026
Details
As Low As; with Loyalty Discount**
DOW
Institution Rating:
A+5.0 ★
5420 Gratiot Rd, Saginaw, MI, 48638 6056
Revolving Line-of-Credit Loans
13.50%
▼
APR13.50%
Last UpdatedApril 11, 2026
Details
No additional details available.
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2882 Schust Rd, Saginaw, MI, 48603
Grand Loan
17.99%
▼
APR17.99%
Last UpdatedApril 11, 2026
Details
As Low As; Offer Valid through 6/30/2026.
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Emergency Loan
18.00%
▼
APR18.00%
Last UpdatedApril 11, 2026
Details
As Low As; + Fees
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI, 48603
Let's Go Loan
18.99%
▼
APR18.99%
Last UpdatedApril 11, 2026
Details
As Low As; Up to 12 Months; No Credit Check
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI, 48607
Grand Whatever Loan (Rate=15.59%)
24.90%
▼
APR24.90%
Last UpdatedApril 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
As Low As
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Solar Heater Loan
4.50%
▼
APR4.50%
Last UpdatedApril 11, 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 11, 2026
Details
No additional details available.
APR4.74%
Last UpdatedApril 11, 2026
Details
As Low As
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
Spring Loan Special 36 Months
4.75%
▼
APR4.75%
Last UpdatedApril 11, 2026
Details
As Low As
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
Recreational Loan
4.99%
▼
APR4.99%
Last UpdatedApril 11, 2026
Details
As Low As
APR4.99%
Last UpdatedApril 11, 2026
Details
As Low As
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
New Lawn Mower Loan
4.99%
▼
APR4.99%
Last UpdatedApril 11, 2026
Details
As Low As; mo
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
New Tractor Loan
4.99%
▼
APR4.99%
Last UpdatedApril 11, 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 11, 2026
Details
Must provide travel itinerary
APR5.24%
Last UpdatedApril 11, 2026
Details
As Low As
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Medical Residency Refinance Loan
5.45%
▼
APR5.45%
Last UpdatedApril 11, 2026
Details
Fixed rates
APR5.49%
Last UpdatedApril 11, 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 11, 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 11, 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 Loans
5.50%
▼
APR5.50%
Last UpdatedApril 11, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Medical Residency Refinance Loan
5.51%
▼
APR5.51%
Last UpdatedApril 11, 2026
Details
Variable rates
APR5.51%
Last UpdatedApril 11, 2026
Details
Your interest rate and monthly payments can fluctuate during the repayment period.
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
Recreational Loan
5.59%
▼
APR5.59%
Last UpdatedApril 11, 2026
Details
As Low As
APR5.74%
Last UpdatedApril 11, 2026
Details
As Low As; Rates, terms and availability of product subject to change without notice. Proof of Income is required.
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
New Equipment Loan
5.99%
▼
APR5.99%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
APR5.99%
Last UpdatedApril 11, 2026
Details
As Low As
APR5.99%
Last UpdatedApril 11, 2026
Details
0% Down
Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Recreational Loan Special
5.99%
▼
APR5.99%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
APR6.24%
Last UpdatedApril 11, 2026
Details
0% Down
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
Spring Loan Special 60 Months
6.25%
▼
APR6.25%
Last UpdatedApril 11, 2026
Details
As Low As
APR6.34%
Last UpdatedApril 11, 2026
Details
As Low As
APR6.34%
Last UpdatedApril 11, 2026
Details
As Low As
APR6.46%
Last UpdatedApril 11, 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 11, 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 11, 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 11, 2026
Details
No additional details available.
APR6.49%
Last UpdatedApril 11, 2026
Details
As Low As
APR6.49%
Last UpdatedApril 11, 2026
Details
0% Down
APR6.49%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
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 11, 2026
Details
No additional details available.
APR6.51%
Last UpdatedApril 11, 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 11, 2026
Details
No additional details available.
APR6.68%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As; 2024-2017
APR6.74%
Last UpdatedApril 11, 2026
Details
As Low As
APR6.74%
Last UpdatedApril 11, 2026
Details
0% Down
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
New R.V. Loan
6.75%
▼
APR6.75%
Last UpdatedApril 11, 2026
Details
As Low As
APR6.84%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
30-Year Amortization
APR6.96%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
As Low As; Lower rates than typical credit cards (starting at 6.99% APR)
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
New Equipment Loan
6.99%
▼
APR6.99%
Last UpdatedApril 11, 2026
Details
Fixed APR
APR6.99%
Last UpdatedApril 11, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
APR7.00%
Last UpdatedApril 11, 2026
Details
As Low As; Vehicle repairs or updates; Family vacations; Education expenses; Debt consolidation; Wedding planning; And more
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
All Other Closed End Loans
7.00%
▼
APR7.00%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
Berkeley Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedApril 11, 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 11, 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 11, 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 11, 2026
Details
No additional details available.
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 11, 2026
Details
No additional details available.
APR7.01%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
No additional details available.
APR7.24%
Last UpdatedApril 11, 2026
Details
As Low As
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 11, 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 11, 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 11, 2026
Details
No additional details available.
APR7.49%
Last UpdatedApril 11, 2026
Details
As Low As
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Used Equipment Loan
7.49%
▼
APR7.49%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
Credit Score: 800+
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
Recreational Loans
7.50%
▼
APR7.50%
Last UpdatedApril 11, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Recreational Loans
7.50%
▼
APR7.50%
Last UpdatedApril 11, 2026
Details
No additional details available.
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
10 Year Fixed Vacant Land Loan
7.58%
▼
APR7.58%
Last UpdatedApril 11, 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 11, 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 11, 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 11, 2026
Details
No additional details available.
APR7.99%
Last UpdatedApril 11, 2026
Details
Multi Purpose 12 Month Loan
Tri Cities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
HOLIDAY LOAN SPECIAL
7.99%
▼
APR7.99%
Last UpdatedApril 11, 2026
Details
As Low As; 12 Month Max
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 11, 2026
Details
As Low As; 12 Months
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 11, 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.
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
Credit Growth Loan
7.99%
▼
APR7.99%
Last UpdatedApril 11, 2026
Details
Low fixed 7.99% APR*
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Unsecured Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 11, 2026
Details
As Low As; Max. Amount of Approval: $10,000 (single)
APR8.00%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR8.00%
Last UpdatedApril 11, 2026
Details
As Low As; Max. Amount of Approval: $15,000 (joint)
Detour Drummond Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 11, 2026
Details
As Low As
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
Debt Consolidation
8.00%
▼
APR8.00%
Last UpdatedApril 11, 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 11, 2026
Details
No Terms
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Adventure Loan
8.00%
▼
APR8.00%
Last UpdatedApril 11, 2026
Details
Credit Score: 750-799
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 11, 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 11, 2026
Details
No additional details available.
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
Recreational Loan
8.00%
▼
APR8.00%
Last UpdatedApril 11, 2026
Details
As Low As
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Unsecured Loans
8.00%
▼
APR8.00%
Last UpdatedApril 11, 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 11, 2026
Details
No additional details available.
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
Recreational Loan
8.25%
▼
APR8.25%
Last UpdatedApril 11, 2026
Details
As Low As
APR8.46%
Last UpdatedApril 11, 2026
Details
As Low As
APR8.50%
Last UpdatedApril 11, 2026
Details
As Low As
APR8.50%
Last UpdatedApril 11, 2026
Details
As Low As
APR8.50%
Last UpdatedApril 11, 2026
Details
As Low As
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Used R.V. Loan
8.50%
▼
APR8.50%
Last UpdatedApril 11, 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 11, 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 11, 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 11, 2026
Details
As Low As
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Signature Loans
8.50%
▼
APR8.50%
Last UpdatedApril 11, 2026
Details
As Low As
Awakon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
Consumer Loan
8.50%
▼
APR8.50%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As; FOR UP TO 24 MONTHS
APR8.51%
Last UpdatedApril 11, 2026
Details
As Low As
APR8.59%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
As Low As
APR8.74%
Last UpdatedApril 11, 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 11, 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. Approximate monthly payment would be $20.63 per $1,000 borrowed at 8.74% for 60 months. Maximum Secured Loan $40,000, Maximum aggregate loan amount not to exceed $49,999
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Signature Installment Loan
8.75%
▼
APR8.75%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
No additional details available.
APR8.76%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
No additional details available.
APR8.96%
Last UpdatedApril 11, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 11, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 11, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
As Low As
APR8.99%
Last UpdatedApril 11, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
DOW
Institution Rating:
A+5.0 ★
5420 Gratiot Rd, Saginaw, MI, 48638 6056
Personal Loans [non-rebate]
8.00%
▼
APR8.00%
Last UpdatedApril 11, 2026
Details
As Low As
DOW
Institution Rating:
A+5.0 ★
5420 Gratiot Rd, Saginaw, MI, 48638 6056
Personal Loans [non-rebate]
8.25%
▼
APR8.25%
Last UpdatedApril 11, 2026
Details
As Low As
DOW
Institution Rating:
A+5.0 ★
5420 Gratiot Rd, Saginaw, MI, 48638 6056
Personal Loans [non-rebate]
8.50%
▼
APR8.50%
Last UpdatedApril 11, 2026
Details
As Low As
DOW
Institution Rating:
A+5.0 ★
5420 Gratiot Rd, Saginaw, MI, 48638 6056
Personal Loans [non-rebate]
8.75%
▼
APR8.75%
Last UpdatedApril 11, 2026
Details
As Low As
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
4685 STATE ST, SAGINAW, MI, 48603
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedApril 11, 2026
Details
No additional details available.
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
4685 STATE ST, SAGINAW, MI, 48603
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 11, 2026
Details
As Low As
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1540 Tittabawassee Rd, Saginaw, MI, 48604 9445
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 11, 2026
Details
As Low As; *APR is Annual Percentage Rate. 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.
DOW
Institution Rating:
A+5.0 ★
5420 Gratiot Rd, Saginaw, MI, 48638 6056
Personal Loans [rebate eligible]
10.00%
▼
APR10.00%
Last UpdatedApril 11, 2026
Details
As Low As
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI, 48603
Be Happy Personal Loan
10.08%
▼
APR10.08%
Last UpdatedApril 11, 2026
Details
No additional details available.
DOW
Institution Rating:
A+5.0 ★
5420 Gratiot Rd, Saginaw, MI, 48638 6056
Personal Loans [rebate eligible]
10.31%
▼
APR10.31%
Last UpdatedApril 11, 2026
Details
As Low As
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI, 48603
Be Happy Personal Loan
10.36%
▼
APR10.36%
Last UpdatedApril 11, 2026
Details
No additional details available.
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
4955 Bay Rd, Saginaw, MI, 48604
Unsecured Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 11, 2026
Details
As Low As; *APR = Annual Percentage Rate. Rates may be higher than advertised. Final rate is determined by loan applicant's creditworthiness, qualifications and collateral conditions. All rates are subject to change.
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI, 48603
Be Happy Personal Loan
10.63%
▼
APR10.63%
Last UpdatedApril 11, 2026
Details
No additional details available.
DOW
Institution Rating:
A+5.0 ★
5420 Gratiot Rd, Saginaw, MI, 48638 6056
Personal Loans [rebate eligible]
10.63%
▼
APR10.63%
Last UpdatedApril 11, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI, 48607
Personal Loan
10.74%
▼
APR10.74%
Last UpdatedApril 11, 2026
Details
No additional details available.
DOW
Institution Rating:
A+5.0 ★
5420 Gratiot Rd, Saginaw, MI, 48638 6056
Personal Loans [rebate eligible]
10.94%
▼
APR10.94%
Last UpdatedApril 11, 2026
Details
As Low As
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 11, 2026
Details
As Low As
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2686 McLeod Dr N, Saginaw, MI, 48604
Unsecured-Personal Loans
11.40%
▼
APR11.40%
Last UpdatedApril 11, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI, 48607
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedApril 11, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedApril 11, 2026
Details
As Low As; with Loyalty Discount**
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Personal Loans
11.74%
▼
APR11.74%
Last UpdatedApril 11, 2026
Details
As Low As
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2882 Schust Rd, Saginaw, MI, 48603
Personal Loans
11.90%
▼
APR11.90%
Last UpdatedApril 11, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 11, 2026
Details
As Low As; with Loyalty Discount**
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Personal Loan
12.24%
▼
APR12.24%
Last UpdatedApril 11, 2026
Details
As Low As; with Loyalty Discount**
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI, 48607
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 11, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 11, 2026
Details
As Low As; with Loyalty Discount**
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 11, 2026
Details
As Low As; with Loyalty Discount**
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Personal Loan
13.49%
▼
APR13.49%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
APR6.34%
Last UpdatedApril 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
No Terms
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
PERSONAL LOAN
8.50%
▼
APR8.50%
Last UpdatedApril 11, 2026
Details
As Low As; FOR UP TO 24 MONTHS
APR8.50%
Last UpdatedApril 11, 2026
Details
As Low As
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Debt Consolidation
11.99%
▼
APR11.99%
Last UpdatedApril 11, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
4686 Fashion Square Blvd, Saginaw, MI, 48604
Debt Consolidation Loan
11.99%
▼
APR11.99%
Last UpdatedApril 11, 2026
Details
As Low As; with Loyalty Discount**
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 11, 2026
Details
No additional details available.
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
Debt Consolidation
8.00%
▼
APR8.00%
Last UpdatedApril 11, 2026
Details
No additional details available.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Debt Consolidation Loan
9.20%
▼
APR9.20%
Last UpdatedApril 11, 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.
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Debt Consolidation Loan
10.09%
▼
APR10.09%
Last UpdatedApril 11, 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 11, 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 11, 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 11, 2026
Details
No additional details available.
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Personal and Debt Consolidation
13.24%
▼
APR13.24%
Last UpdatedApril 11, 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 11, 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 11, 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 11, 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
First Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
193 Campbell Ln, Saginaw, MI, 48609
Signature/Unsecured Loans
10.00%
▼
APR10.00%
Last UpdatedApril 11, 2026
Details
Up to 60 months
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI, 48603
Personal Signature Loan
10.06%
▼
APR10.06%
Last UpdatedApril 11, 2026
Details
No additional details available.
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI, 48602 4326
Signature Loans
10.99%
▼
APR10.99%
Last UpdatedApril 11, 2026
Details
As Low As
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI, 48603
Signature Loan Minimum
11.88%
▼
APR11.88%
Last UpdatedApril 11, 2026
Details
$10,000; As Low As; 61 to 72 Months; Eligible for Take-Back
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI, 48603
Signature Loan
11.90%
▼
APR11.90%
Last UpdatedApril 11, 2026
Details
As Low As; Up to 60 Months; Eligible for Take-Back
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share/Signature
4.00%
▼
APR4.00%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
As Low As
APR7.00%
Last UpdatedApril 11, 2026
Details
As Low As; Vehicle repairs or updates; Family vacations; Education expenses; Debt consolidation; Wedding planning; And more
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 11, 2026
Details
As Low As; 12 Months
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
Personal/Signature loan
8.00%
▼
APR8.00%
Last UpdatedApril 11, 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 11, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 11, 2026
Details
As Low As; Max. Amount of Approval: $15,000 (joint)
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Unsecured Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 11, 2026
Details
As Low As; Max. Amount of Approval: $10,000 (single)
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Signature Loans
8.50%
▼
APR8.50%
Last UpdatedApril 11, 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 11, 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 11, 2026
Details
No additional details available.
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MonitorBankRates
No home improvement personal loan rates found in Saginaw, MI currently.
Saginaw, MI Personal Loan Rate Trends
Compare local Saginaw, 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
11.191%
▲ 0.723 vs 7 days ago
Michigan personal loan rates rose 0.723 points over the past 7 days to 11.191% APR.
Signature Loan — MI Avg
11.079%
▲ 0.599 vs 7 days ago
Michigan signature loan rates rose 0.599 points over the past 7 days to 11.079% APR.
As of Apr 11, 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 Saginaw, 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 Saginaw, 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 Saginaw, 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 Saginaw, Michigan?
Credit unions in Saginaw, 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 Saginaw, Michigan?
- Frankenmuth Credit Union: 4.00% (Share Pledged Loan)
- Lake Huron Credit Union: 6.99% (Other Titled or Non-titled Loans)
- Financial Plus Credit Union Flint, MI: 7.01% (Vacant Land Loans 5 Year Balloon)
- Team One Credit Union: 7.50% (Recreational Loans)
- DOW: 8.00% (Personal Loans [non-rebate])
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Saginaw, Michigan. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 11, 2026.
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