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Personal Loan Rate Trends

Shelby, Michigan Best Personal Loan Rates - September 2026

Current personal loan options available to borrowers in Shelby, Michigan include: Maui Teachers Federal Credit UnionMaui Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering Solar Heater Loan at 4.50% APR, Warren Municipal Federal Credit UnionWarren Municipal Federal Credit UnionA+5.0 ★Texas Ratio: 0.43% offering Closed End Signature Loan at 5.99% APR, Dfcu Financial Credit UnionDfcu Financial Credit UnionA+5.0 ★Texas Ratio: 1.10% offering Printer FriendlyPersonal Loan at 6.00% APR, Steuben Citizens Federal Credit UnionSteuben Citizens Federal Credit UnionA+5.0 ★Texas Ratio: 0.37% offering Personal Loans at 7.00% APR, and Berkeley Community Federal Credit UnionBerkeley Community Federal Credit UnionA+5.0 ★Texas Ratio: 4.56% offering Personal Loans at 7.00% APR. Personal loan rates as of September 22, 2026 according to verified data from MonitorBankRates.

Shelby borrowers have access to 96 lenders serving the Michigan area, with personal loan rates as low as 4.50% APR from Maui Teachers Federal Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated, so 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 Shelby, Michigan.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Shelby, 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: September 22, 2026

Shelby Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Solar Heater Loan
4.50%
APR4.50%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Closed End Signature LoanTerm: 36 Months
5.99%
APR5.99%
Interest Rate5.99%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

Secured Loan Pricing - Base Rates (as low as)

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Printer FriendlyPersonal LoanTerm: 60 Months
6.00%
APR6.00%
Interest Rate6.00%
Term60 Months
Last UpdatedSeptember 22, 2026
Details

Maximum Amount: $50,000

Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Personal LoansTerm: up to 36 months
7.00%
APR7.00%
Interest Rate7.00%
Termup to 36 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Berkeley Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Personal Loans
7.00%
APR7.00%
Term
Last UpdatedSeptember 22, 2026
Details

As low as

Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Life Happens Loan (Unsecured)
7.00%
APR7.00%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Signature - Max LoanTerm: 36 Months
7.75%
APR7.75%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

Credit Level: Gold; Credit Score: 730 and Up

Dowagiac Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Signature/Unsecured LoanTerm: 24 Months
7.75%
APR7.75%
Term24 Months
Last UpdatedSeptember 22, 2026
Details

All loan payments 15 or more days late, will be charged 5% of the interest due, minimum $5.00.

Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Closed End Signature LoanTerm: 48 Months
7.99%
APR7.99%
Interest Rate7.99%
Term48 Months
Last UpdatedSeptember 22, 2026
Details

Secured Loan Pricing - Base Rates (as low as)

Shore to Shore Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Unsecured Closed End LoanTerm: 24 Months
7.99%
APR7.99%
Term24 Months
Last UpdatedSeptember 22, 2026
Details

All rates featured are listed ''as low as'' and are subject to credit approval and credit score. Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.

Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan 12 MonthsTerm: 12 Months
7.99%
APR7.99%
Term12 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan 24 MonthsTerm: 24 Months
7.99%
APR7.99%
Term24 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan 36 MonthsTerm: 36 Months
7.99%
APR7.99%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Consolidation Loans
7.99%
APR7.99%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Personal LoansTerm: 0-60 Months
7.99%
APR7.99%
Term0-60 Months
Last UpdatedSeptember 22, 2026
Details

Published APR range: 7.99% - 19%.

Best Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
Personal Loan
7.99%
APR7.99%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Unsecured Loan
7.99%
APR7.99%
Interest Rate7.99%
Term
Last UpdatedSeptember 22, 2026
Details

Multi Purpose

Tandem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Unsecured Loans up to $10,000
8.00%
APR8.00%
Term
Last UpdatedSeptember 22, 2026
Details

As low as; Rates are based on credit score.

Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Personal LoansTerm: 24 Months
8.00%
APR8.00%
Term24 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Personal LoansTerm: up to 60 months
8.00%
APR8.00%
Interest Rate8.00%
Termup to 60 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
Personal LoansTerm: No Terms
8.00%
APR8.00%
TermNo Terms
Last UpdatedSeptember 22, 2026
Details

Published APR range: 8.00 - 18.00%.

Detour Drummond Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Signature Loan
8.00%
APR8.00%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Debt Consolidation LoanTerm: 48 Months or Less
8.00%
APR8.00%
Term48 Months or Less
Last UpdatedSeptember 22, 2026
Details

On debt consolidation loans, bills that are to be paid with the proceeds must be presented to the Credit Union for payment.

ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Unsecured LoansTerm: Up to 48 months
8.00%
APR8.00%
Interest Rate8.00%
TermUp to 48 months
Last UpdatedSeptember 22, 2026
Details

Unsecured rates range from 8.00% to 18.00%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.

DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Personal LoanTerm: 36-72 Month
8.00%
APR8.00%
Term36-72 Month
Last UpdatedSeptember 22, 2026
Details

Non-Rebate.

TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.53%
Signature LoanTerm: Up to 72 Months
8.24%
APR8.24%
TermUp to 72 Months
Last UpdatedSeptember 22, 2026
Details

Additional APR listed for this product: 8.49%. As Low As

Wexford Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Signature LoansTerm: 24 mo rev
8.25%
APR8.25%
Term24 mo rev
Last UpdatedSeptember 22, 2026
Details

VISA; LOC

People Driven Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
Debt Consolidation LoanTerm: 12 months
8.49%
APR8.49%
Term12 months
Last UpdatedSeptember 22, 2026
Details

The monthly payment at 8.490% APR for a term of 12 months would require payments of approximately $87.22/month, per $1,000 borrowed. APR=Annual Percentage Rate, subject to change. Rate is based on individual creditworthiness and term of the loan. The use of this calculator does not imply nor guarantee loan terms nor approval of financing.

Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Signature - Max LoanTerm: 60 Months
8.50%
APR8.50%
Term60 Months
Last UpdatedSeptember 22, 2026
Details

Credit Level: Gold; Credit Score: 730 and Up

Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Personal LoanTerm: Up to 24 months
8.50%
APR8.50%
TermUp to 24 months
Last UpdatedSeptember 22, 2026
Details

Rates as low as 8.50% apr*

Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
SIGNATURE - 60 MONTHS MAXIMUM LoanTerm: 60 months
8.50%
APR8.50%
Term60 months
Last UpdatedSeptember 22, 2026
Details

Credit Score: 780+; Credit Grade: A+

Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
SIGNATURE 60 MONTHS MAXIMUM LoanTerm: 60 MONTHS MAXIMUM
8.50%
APR8.50%
Term60 MONTHS MAXIMUM
Last UpdatedSeptember 22, 2026
Details

Credit Score: 780+; Grade: A+

Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Signature LoansTerm: Revolving
8.50%
APR8.50%
TermRevolving
Last UpdatedSeptember 22, 2026
Details

No additional details available.

UP State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Personal Loans
8.50%
APR8.50%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As; No Collateral Required; Fixed Monthly Payments; Save money with competitive interest rates and no application fees.

Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Signature LoansTerm: 24 Month
8.65%
APR8.65%
Term24 Month
Last UpdatedSeptember 22, 2026
Details

up to $25,000; As Low As; Rates as low as (A.P.R.*)

Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Unsecured Special LoanTerm: 13 months
8.70%
APR8.70%
Term13 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Unsecured Loans
8.74%
APR8.74%
Term
Last UpdatedSeptember 22, 2026
Details

As low as

United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Personal LoanTerm: Up to 48 months
8.74%
APR8.74%
TermUp to 48 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Signature - Max LoanTerm: 36 Months
8.75%
APR8.75%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

Credit Level: Silver; Credit Score: 729 - 670

Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
General Purpose Unsecured Loan
8.75%
APR8.75%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Signature Installment Loan
8.75%
APR8.75%
Interest Rate8.75%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Marquette Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Personal Loan
8.90%
APR8.90%
Interest Rate8.90%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Personal LoanTerm: Up to 60 months
8.99%
APR8.99%
TermUp to 60 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Other Unsecured Closed End Loans
8.99%
APR8.99%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal LoanTerm: 36 Months
8.99%
APR8.99%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

As Low As; $4,000.00 Max

LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Debt Consolidation Loan
8.99%
APR8.99%
Term
Last UpdatedSeptember 22, 2026
Details

Annual Percentage Rate. Rates accurate as of 10/28/25. Programs, rates, terms and conditions are subject to change without notice. Subject to credit qualification and approval. Rate may vary based on individual creditworthiness. Additional restrictions may apply.

PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Unsecured Loan
8.99%
APR8.99%
Interest Rate8.99%
Term
Last UpdatedSeptember 22, 2026
Details

Multi Purpose

Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Unsecured Loan SpecialTerm: 60-Month
9.00%
APR9.00%
Interest Rate9.00%
Term60-Month
Last UpdatedSeptember 22, 2026
Details

Borrow $5,000 - $10,000; Fixed Rate; Unsecured - No Collateral Required; Available for members in credit tiers: score must be 620 or above; Valid through April 30

Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Personal LoansTerm: 36 Months
9.00%
APR9.00%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Signature Loan
9.00%
APR9.00%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

Michigan Coastal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Signature Loan
9.00%
APR9.00%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

Wolverine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
Personal/Signature loan
9.00%
APR9.00%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
Unsecured Loan
9.00%
APR9.00%
Term
Last UpdatedSeptember 22, 2026
Details

Need a loan?

Wexford Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Signature LoansTerm: up to 12 months
9.00%
APR9.00%
Termup to 12 months
Last UpdatedSeptember 22, 2026
Details

Up to $10,000.00

Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Year Signature LoanTerm: Up To 36 Months
9.20%
APR9.20%
TermUp To 36 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Debt Consolidation LoanTerm: up to 54 months
9.20%
APR9.20%
Interest Rate9.20%
Termup to 54 months
Last UpdatedSeptember 22, 2026
Details

As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and an example My $ Loan amount financed of $5,000. The payment examples shown above do not include optional insurance premium amounts, which will increase your monthly payment obligation. Your payment may vary based on the term, credit score and amount financed.

Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Signature LoanTerm: up to 54 months
9.20%
APR9.20%
Interest Rate9.20%
Termup to 54 months
Last UpdatedSeptember 22, 2026
Details

As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and an example My $ Loan amount financed of $5,000. The payment examples shown above do not include optional insurance premium amounts, which will increase your monthly payment obligation. Your payment may vary based on the term, credit score and amount financed.

Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Signature Loans
9.24%
APR9.24%
Term
Last UpdatedSeptember 22, 2026
Details

Rates may vary based on credit history, term, and collateral.

United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Personal LoanTerm: Up to 72 months
9.49%
APR9.49%
TermUp to 72 months
Last UpdatedSeptember 22, 2026
Details

$10,000.00 or greater

Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Unsecured - Closed End LoanTerm: 36 Months
9.49%
APR9.49%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

Maximum Loan Balance: $27,000 Max

Farm Bureau Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Signature LoanTerm: 36 months
9.49%
APR9.49%
Term36 months
Last UpdatedSeptember 22, 2026
Details

As Low As; Personal loan and debt consolidation

Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Debt Shed Loan
9.49%
APR9.49%
Term
Last UpdatedSeptember 22, 2026
Details

Under $10,000; Loan Amount: Up to $10,000; As Low As; APR*

Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
Personal/Unsecured LoanTerm: 12 - 36 months
9.49%
APR9.49%
Term12 - 36 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Advantage One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
Personal Unsecured LoanTerm: 36 months
9.49%
APR9.49%
Term36 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Signature - Max LoanTerm: 60 Months
9.50%
APR9.50%
Term60 Months
Last UpdatedSeptember 22, 2026
Details

Credit Level: Silver; Credit Score: 729 - 670

Wayne Westland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
Signature Loan
9.50%
APR9.50%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As;

Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Personal Loans
9.50%
APR9.50%
Term
Last UpdatedSeptember 22, 2026
Details

As low as*

Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
SIGNATURE - 60 MONTHS MAXIMUM LoanTerm: 60 months
9.50%
APR9.50%
Term60 months
Last UpdatedSeptember 22, 2026
Details

Credit Score: 680-779; Credit Grade: A

Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
SIGNATURE 60 MONTHS MAXIMUM LoanTerm: 60 MONTHS MAXIMUM
9.50%
APR9.50%
Term60 MONTHS MAXIMUM
Last UpdatedSeptember 22, 2026
Details

Credit Score: 680-779; Grade: A

Family Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Personal LoansTerm: Up to 60 months
9.50%
APR9.50%
TermUp to 60 months
Last UpdatedSeptember 22, 2026
Details

As Low As

United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Personal Loans
9.50%
APR9.50%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

Safe Harbor Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.11%
Unsecured/Signature Loan
9.50%
APR9.50%
Term
Last UpdatedSeptember 22, 2026
Details

APR* as low as

FreeStar Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Unsecured LoanTerm: Up to 24 months
9.74%
APR9.74%
TermUp to 24 months
Last UpdatedSeptember 22, 2026
Details

up to $15,000; As Low As; Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.; 1% rate discount for Active Duty, Veterans, and Retirees with full direct deposit of $2,000 or more per month.

Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Unsecured - Closed End LoanTerm: 48 Months
9.74%
APR9.74%
Term48 Months
Last UpdatedSeptember 22, 2026
Details

Maximum Loan Balance: $27,000 Max

ORSA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
Personal & Debt Consolidation LoansTerm: 60 Months
9.74%
APR9.74%
Interest Rate9.74%
Term60 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Signature Loan
9.75%
APR9.75%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Dowagiac Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Signature/Unsecured LoanTerm: 36 Months
9.75%
APR9.75%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

All loan payments 15 or more days late, will be charged 5% of the interest due, minimum $5.00.

TBA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
Unsecured: Personal LoanTerm: Up to 24 Mo.
9.75%
APR9.75%
TermUp to 24 Mo.
Last UpdatedSeptember 22, 2026
Details

As Low As; Direct Deposit Rate: 9.50%

Wexford Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Signature LoansTerm: up to 24 months
9.75%
APR9.75%
Termup to 24 months
Last UpdatedSeptember 22, 2026
Details

Up to $10,000.00

Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
Personal Signature LoanTerm: 39 Months
9.91%
APR9.91%
Interest Rate9.00%
Term39 Months
Last UpdatedSeptember 22, 2026
Details

As Low As

Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
Be Happy Personal LoanTerm: 24 months
9.92%
APR9.92%
Interest Rate8.49%
Term24 months
Last UpdatedSeptember 22, 2026
Details

As Low As

River Valley Credit Union Ada, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Personal Loan
9.95%
APR9.95%
Term
Last UpdatedSeptember 22, 2026
Details

Get rid of high interest rate credit cards. Apply today!

Power One Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.20%
Signature LoanTerm: Up to 60 Months
9.99%
APR9.99%
TermUp to 60 Months
Last UpdatedSeptember 22, 2026
Details

Unsecured up to $25,000.00. All Rates Effective April 1st, 2026

Northern Lights Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Unsecured Loan
9.99%
APR9.99%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As;

Home Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Signature Loan
9.99%
APR9.99%
Term
Last UpdatedSeptember 22, 2026
Details

Rate as low as; Rate subject to change without notice. Interest rate will be based on credit score. Terms will be based on the dollar amount financed. Loan subject to credit approval.

Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Unsecured Loan SpecialTerm: 12 Months
9.99%
APR9.99%
Interest Rate9.99%
Term12 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Closed End Signature LoanTerm: 60 Months
9.99%
APR9.99%
Interest Rate9.99%
Term60 Months
Last UpdatedSeptember 22, 2026
Details

Secured Loan Pricing - Base Rates (as low as)

Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan 48 MonthsTerm: 48 Months
9.99%
APR9.99%
Term48 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Everwise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
Personal Loans
9.99%
APR9.99%
Term
Last UpdatedSeptember 22, 2026
Details

Rates starting at

FreeStar Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Unsecured LoanTerm: Up to 60 months
9.99%
APR9.99%
TermUp to 60 months
Last UpdatedSeptember 22, 2026
Details

up to $15,000; As Low As; Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.; 1% rate discount for Active Duty, Veterans, and Retirees with full direct deposit of $2,000 or more per month.

Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Personal Loans
9.99%
APR9.99%
Term
Last UpdatedSeptember 22, 2026
Details

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.

Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Unsecured - Closed End LoanTerm: 60 Months
9.99%
APR9.99%
Term60 Months
Last UpdatedSeptember 22, 2026
Details

Maximum Loan Balance: $27,000 Max

Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
Personal LoanTerm: 60 Months
9.99%
APR9.99%
Term60 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
Back to School Signature Loans
9.99%
APR9.99%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Signature LoanTerm: Up to 60 Months
9.99%
APR9.99%
Interest Rate9.99%
TermUp to 60 Months
Last UpdatedSeptember 22, 2026
Details

Long-Term Flexibility; Rate as low as 9.99%

Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Signature LoanTerm: Flexible Terms Avail
9.99%
APR9.99%
TermFlexible Terms Avail
Last UpdatedSeptember 22, 2026
Details

Term: Flexible Terms Available; As Low As; *

Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Signature Loan - FixedTerm: Up to 36 Months
9.99%
APR9.99%
TermUp to 36 Months
Last UpdatedSeptember 22, 2026
Details

As Low As; Maximum APR is 19.25%. Contact a Member Service Representative for more details.

Farm Bureau Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Signature LoanTerm: 60 months
9.99%
APR9.99%
Term60 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
Summer Loan Special (unsecured)Term: 12 Month
9.99%
APR9.99%
Term12 Month
Last UpdatedSeptember 22, 2026
Details

Discounts have been added to give the lowest possible rates. Some products require active checking account and auto payment transfer to receive lowest rate.

Zeal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
Unsecured Personal Loan (<Term: 12 - 48 months
9.99%
APR9.99%
Term12 - 48 months
Last UpdatedSeptember 22, 2026
Details

$5,000; As Low As

Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Seasonal Personal LoanTerm: Up to 12 months
9.99%
APR9.99%
TermUp to 12 months
Last UpdatedSeptember 22, 2026
Details

**

PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Unsecured Loan
9.99%
APR9.99%
Interest Rate9.99%
Term
Last UpdatedSeptember 22, 2026
Details

Multi Purpose

AT&T Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature / Co-Maker Closed-End LoanTerm: 12 - 48 Months
10.00%
APR10.00%
Term12 - 48 Months
Last UpdatedSeptember 22, 2026
Details

Includes a discount for Auto-pay

Integra First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Unsecured Personal LoansTerm: 36 Months
10.00%
APR10.00%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Personal LoansTerm: 48 Months
10.00%
APR10.00%
Term48 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Gogebic County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
Unsecured LoansTerm: CALL FOR CURRENT RAT
10.00%
APR10.00%
TermCALL FOR CURRENT RAT
Last UpdatedSeptember 22, 2026
Details

Term: CALL FOR CURRENT RATES

Forest Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
Unsecured loans
10.00%
APR10.00%
Term
Last UpdatedSeptember 22, 2026
Details

under $1,000

Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Signature LoansTerm: 12 Months
10.00%
APR10.00%
Term12 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Unsecured LoansTerm: up to 36 Months
10.00%
APR10.00%
Termup to 36 Months
Last UpdatedSeptember 22, 2026
Details

All loans over $5000.00 or loans that will put the member's total debt with the Lake Superior Credit Union over $5000.00 will be required to have collateral.

American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Personal LoanTerm: 60 months
10.00%
APR10.00%
Term60 months
Last UpdatedSeptember 22, 2026
Details

APR = Annual Percentage Rate. Annual percentage rates (APR) listed are "as low as" based on credit score and term, and are subject to approval. See any branch for details. Payment Example: For a $30,000 loan for a term of 60 months with a 11.00% APR, the monthly payment will be 654.83.

GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
Personal Lifestyle Loan
10.00%
APR10.00%
Term
Last UpdatedSeptember 22, 2026
Details

Rate as low as 10.00

Advantage One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
Personal Lines of Credit LoanTerm: Revolving
10.00%
APR10.00%
TermRevolving
Last UpdatedSeptember 22, 2026
Details

As Low As

Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
Be Happy Personal LoanTerm: 12 month
10.20%
APR10.20%
Interest Rate7.49%
Term12 month
Last UpdatedSeptember 22, 2026
Details

As Low As

United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Personal LoanTerm: Up to 84 months
10.24%
APR10.24%
TermUp to 84 months
Last UpdatedSeptember 22, 2026
Details

$15,000.00 or greater

North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
Unsecured Personal Loan
10.24%
APR10.24%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Signature Loans
10.24%
APR10.24%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
Unsecured/Signature LoanTerm: Up to 36 Months
10.25%
APR10.25%
TermUp to 36 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Anyday Everyday Personal Loan
10.25%
APR10.25%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
SIGNATURE (UNSECURED) LOAN
10.25%
APR10.25%
Term
Last UpdatedSeptember 22, 2026
Details

Apply Online

Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Personal Loan
10.34%
APR10.34%
Interest Rate10.00%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
Be Happy Personal LoanTerm: 36 months
10.48%
APR10.48%
Interest Rate9.49%
Term36 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Signature LoanTerm: up to 48 months
10.49%
APR10.49%
Termup to 48 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Personal LoanTerm: 12 months
10.49%
APR10.49%
Term12 months
Last UpdatedSeptember 22, 2026
Details

With VIP Perks Discount: 9.99%

Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
Unsecured Personal LoanTerm: Up to 84 Months
10.49%
APR10.49%
TermUp to 84 Months
Last UpdatedSeptember 22, 2026
Details

APR as low as*

Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Personal Signature LoanTerm: 36 Months
10.49%
APR10.49%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

As Low As*

Farm Bureau Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Signature LoanTerm: 84 months
10.49%
APR10.49%
Term84 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Debt Shed to $15,000 Loan
10.49%
APR10.49%
Term
Last UpdatedSeptember 22, 2026
Details

$10,000; Loan Amount: $10,001 - $15,000; As Low As; APR*

Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Personal LoanTerm: Up to 60 months
10.49%
APR10.49%
TermUp to 60 months
Last UpdatedSeptember 22, 2026
Details

As Low As; ****

Advantage One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
Personal Unsecured (minimum loan amountTerm: 60 Months
10.49%
APR10.49%
Term60 Months
Last UpdatedSeptember 22, 2026
Details

$5,000; As Low As

Integra First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Unsecured Personal LoansTerm: 48 Months
10.50%
APR10.50%
Term48 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Traverse Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
Signature LoanTerm: 60 M
10.50%
APR10.50%
Interest Rate10.50%
Term60 M
Last UpdatedSeptember 22, 2026
Details

Low Rate with the convience of getting cash when you need it

Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Personal Loan
10.50%
APR10.50%
Term
Last UpdatedSeptember 22, 2026
Details

APR as low as 10.50%

EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Unsecured Personal LoanTerm: 24-60 months
10.50%
APR10.50%
Term24-60 months
Last UpdatedSeptember 22, 2026
Details

As Low As; APR may be adjusted based on your individual credit standing and term.

Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Signature LoanTerm: 36 months
10.50%
APR10.50%
Term36 months
Last UpdatedSeptember 22, 2026
Details

As low as

Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Unsecured - Closed End LoanTerm: Up to 48 Months
10.50%
APR10.50%
Interest Rate10.50%
TermUp to 48 Months
Last UpdatedSeptember 22, 2026
Details

Term: Up to 48 Months (4 years); Credit Score: 800+

Forest Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
Unsecured loans to $20,000
10.50%
APR10.50%
Term
Last UpdatedSeptember 22, 2026
Details

$1,001

Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Member Signature Loans
10.50%
APR10.50%
Term
Last UpdatedSeptember 22, 2026
Details

Credit Score: 620-699

LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Personal LoanTerm: up to 36 Months
10.50%
APR10.50%
Termup to 36 Months
Last UpdatedSeptember 22, 2026
Details

Fixed Rate; $30,000 Max

FinancialEdge Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Signature LoansTerm: 25 Months
10.50%
APR10.50%
Term25 Months
Last UpdatedSeptember 22, 2026
Details

As Low As

Wexford Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Signature LoansTerm: up to 36 months
10.50%
APR10.50%
Termup to 36 months
Last UpdatedSeptember 22, 2026
Details

Up to $10,000.00

Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Signature LoanTerm: 44-60 Months
10.74%
APR10.74%
Term44-60 Months
Last UpdatedSeptember 22, 2026
Details

Annual Percentage Rate=APR. APR based on sample loan amount of 10,000 payable over the term listed above. Must meet SFCU normal underwriter and qualifications and is included in the APR calculation. Rates may change at any time. Contact us at SFCU for more details.

Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Signature Loan - FixedTerm: Up to 60 Months
10.74%
APR10.74%
TermUp to 60 Months
Last UpdatedSeptember 22, 2026
Details

As Low As; Maximum APR is 19.25%. Contact a Member Service Representative for more details.

Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
Personal LoanTerm: Up to 36 months
10.74%
APR10.74%
TermUp to 36 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Personal LoanTerm: 48 months
10.75%
APR10.75%
Interest Rate10.75%
Term48 months
Last UpdatedSeptember 22, 2026
Details

Loan amount: $5,000 - $25,000. Rates shown for Credit score of 720 or greater. *Sample Annual Percentage Rates (APRs), are calculated based on **$7,500 balance for the maximum term allowed and impacted by our $100 Processing fee. The Processing fee is a fee that borrowers pay before or during the loan closing process. These are fees that borrowers need to pay out of pocket in order to finalize a loan. Interest Rates vary based on credit score. Autopay Discount Rates: A 0.25% discount applies for loans whose payments are made automatically from a Bank of Ann Arbor checking or savings account. Rates effective 10/31/2025 and subject to change at any time.

Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
Unsecured/Signature LoanTerm: 37 - 60 Months
10.75%
APR10.75%
Term37 - 60 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Shelby Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Printer FriendlyPersonal LoanTerm: 60 Months
6.00%
APR6.00%
Interest Rate6.00%
Term60 Months
Last UpdatedSeptember 22, 2026
Details

Maximum Amount: $50,000

Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Personal LoansTerm: up to 36 months
7.00%
APR7.00%
Interest Rate7.00%
Termup to 36 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Berkeley Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Personal Loans
7.00%
APR7.00%
Term
Last UpdatedSeptember 22, 2026
Details

As low as

Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Personal LoansTerm: 0-60 Months
7.99%
APR7.99%
Term0-60 Months
Last UpdatedSeptember 22, 2026
Details

Published APR range: 7.99% - 19%.

Best Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
Personal Loan
7.99%
APR7.99%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Personal LoansTerm: 24 Months
8.00%
APR8.00%
Term24 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Personal LoansTerm: up to 60 months
8.00%
APR8.00%
Interest Rate8.00%
Termup to 60 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
Personal LoansTerm: No Terms
8.00%
APR8.00%
TermNo Terms
Last UpdatedSeptember 22, 2026
Details

Published APR range: 8.00 - 18.00%.

DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Personal LoanTerm: 36-72 Month
8.00%
APR8.00%
Term36-72 Month
Last UpdatedSeptember 22, 2026
Details

Non-Rebate.

Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Personal LoanTerm: Up to 24 months
8.50%
APR8.50%
TermUp to 24 months
Last UpdatedSeptember 22, 2026
Details

Rates as low as 8.50% apr*

UP State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
Personal Loans
8.50%
APR8.50%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As; No Collateral Required; Fixed Monthly Payments; Save money with competitive interest rates and no application fees.

United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Personal LoanTerm: Up to 48 months
8.74%
APR8.74%
TermUp to 48 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Marquette Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Personal Loan
8.90%
APR8.90%
Interest Rate8.90%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Personal LoanTerm: Up to 60 months
8.99%
APR8.99%
TermUp to 60 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal LoanTerm: 36 Months
8.99%
APR8.99%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

As Low As; $4,000.00 Max

Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Personal LoansTerm: 36 Months
9.00%
APR9.00%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Personal LoanTerm: Up to 72 months
9.49%
APR9.49%
TermUp to 72 months
Last UpdatedSeptember 22, 2026
Details

$10,000.00 or greater

Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Personal Loans
9.50%
APR9.50%
Term
Last UpdatedSeptember 22, 2026
Details

As low as*

Family Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Personal LoansTerm: Up to 60 months
9.50%
APR9.50%
TermUp to 60 months
Last UpdatedSeptember 22, 2026
Details

As Low As

United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Personal Loans
9.50%
APR9.50%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

TBA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
Unsecured: Personal LoanTerm: Up to 24 Mo.
9.75%
APR9.75%
TermUp to 24 Mo.
Last UpdatedSeptember 22, 2026
Details

As Low As; Direct Deposit Rate: 9.50%

Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
Be Happy Personal LoanTerm: 24 months
9.92%
APR9.92%
Interest Rate8.49%
Term24 months
Last UpdatedSeptember 22, 2026
Details

As Low As

River Valley Credit Union Ada, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Personal Loan
9.95%
APR9.95%
Term
Last UpdatedSeptember 22, 2026
Details

Get rid of high interest rate credit cards. Apply today!

Everwise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
Personal Loans
9.99%
APR9.99%
Term
Last UpdatedSeptember 22, 2026
Details

Rates starting at

Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Personal Loans
9.99%
APR9.99%
Term
Last UpdatedSeptember 22, 2026
Details

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.

Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
Personal LoanTerm: 60 Months
9.99%
APR9.99%
Term60 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Zeal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
Unsecured Personal Loan (<Term: 12 - 48 months
9.99%
APR9.99%
Term12 - 48 months
Last UpdatedSeptember 22, 2026
Details

$5,000; As Low As

Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Seasonal Personal LoanTerm: Up to 12 months
9.99%
APR9.99%
TermUp to 12 months
Last UpdatedSeptember 22, 2026
Details

**

Integra First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Unsecured Personal LoansTerm: 36 Months
10.00%
APR10.00%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Personal LoansTerm: 48 Months
10.00%
APR10.00%
Term48 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Personal LoanTerm: 60 months
10.00%
APR10.00%
Term60 months
Last UpdatedSeptember 22, 2026
Details

APR = Annual Percentage Rate. Annual percentage rates (APR) listed are "as low as" based on credit score and term, and are subject to approval. See any branch for details. Payment Example: For a $30,000 loan for a term of 60 months with a 11.00% APR, the monthly payment will be 654.83.

Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
Be Happy Personal LoanTerm: 12 month
10.20%
APR10.20%
Interest Rate7.49%
Term12 month
Last UpdatedSeptember 22, 2026
Details

As Low As

United Bay Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Personal LoanTerm: Up to 84 months
10.24%
APR10.24%
TermUp to 84 months
Last UpdatedSeptember 22, 2026
Details

$15,000.00 or greater

North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
Unsecured Personal Loan
10.24%
APR10.24%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Anyday Everyday Personal Loan
10.25%
APR10.25%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Personal Loan
10.34%
APR10.34%
Interest Rate10.00%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
Be Happy Personal LoanTerm: 36 months
10.48%
APR10.48%
Interest Rate9.49%
Term36 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Personal LoanTerm: 12 months
10.49%
APR10.49%
Term12 months
Last UpdatedSeptember 22, 2026
Details

With VIP Perks Discount: 9.99%

Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
Unsecured Personal LoanTerm: Up to 84 Months
10.49%
APR10.49%
TermUp to 84 Months
Last UpdatedSeptember 22, 2026
Details

APR as low as*

Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Personal LoanTerm: Up to 60 months
10.49%
APR10.49%
TermUp to 60 months
Last UpdatedSeptember 22, 2026
Details

As Low As; ****

Integra First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Unsecured Personal LoansTerm: 48 Months
10.50%
APR10.50%
Term48 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Personal Loan
10.50%
APR10.50%
Term
Last UpdatedSeptember 22, 2026
Details

APR as low as 10.50%

EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Unsecured Personal LoanTerm: 24-60 months
10.50%
APR10.50%
Term24-60 months
Last UpdatedSeptember 22, 2026
Details

As Low As; APR may be adjusted based on your individual credit standing and term.

LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Personal LoanTerm: up to 36 Months
10.50%
APR10.50%
Termup to 36 Months
Last UpdatedSeptember 22, 2026
Details

Fixed Rate; $30,000 Max

Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
Personal LoanTerm: Up to 36 months
10.74%
APR10.74%
TermUp to 36 months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Personal LoanTerm: 48 months
10.75%
APR10.75%
Interest Rate10.75%
Term48 months
Last UpdatedSeptember 22, 2026
Details

Loan amount: $5,000 - $25,000. Rates shown for Credit score of 720 or greater. *Sample Annual Percentage Rates (APRs), are calculated based on **$7,500 balance for the maximum term allowed and impacted by our $100 Processing fee. The Processing fee is a fee that borrowers pay before or during the loan closing process. These are fees that borrowers need to pay out of pocket in order to finalize a loan. Interest Rates vary based on credit score. Autopay Discount Rates: A 0.25% discount applies for loans whose payments are made automatically from a Bank of Ann Arbor checking or savings account. Rates effective 10/31/2025 and subject to change at any time.

Shelby Debt Consolidation Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Debt Consolidation LoanTerm: 48 Months or Less
8.00%
APR8.00%
Term48 Months or Less
Last UpdatedSeptember 22, 2026
Details

On debt consolidation loans, bills that are to be paid with the proceeds must be presented to the Credit Union for payment.

People Driven Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
Debt Consolidation LoanTerm: 12 months
8.49%
APR8.49%
Term12 months
Last UpdatedSeptember 22, 2026
Details

The monthly payment at 8.490% APR for a term of 12 months would require payments of approximately $87.22/month, per $1,000 borrowed. APR=Annual Percentage Rate, subject to change. Rate is based on individual creditworthiness and term of the loan. The use of this calculator does not imply nor guarantee loan terms nor approval of financing.

LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Debt Consolidation Loan
8.99%
APR8.99%
Term
Last UpdatedSeptember 22, 2026
Details

Annual Percentage Rate. Rates accurate as of 10/28/25. Programs, rates, terms and conditions are subject to change without notice. Subject to credit qualification and approval. Rate may vary based on individual creditworthiness. Additional restrictions may apply.

Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Debt Consolidation LoanTerm: up to 54 months
9.20%
APR9.20%
Interest Rate9.20%
Termup to 54 months
Last UpdatedSeptember 22, 2026
Details

As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and an example My $ Loan amount financed of $5,000. The payment examples shown above do not include optional insurance premium amounts, which will increase your monthly payment obligation. Your payment may vary based on the term, credit score and amount financed.

Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Debt Shed Loan
9.49%
APR9.49%
Term
Last UpdatedSeptember 22, 2026
Details

Under $10,000; Loan Amount: Up to $10,000; As Low As; APR*

ORSA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
Personal & Debt Consolidation LoansTerm: 60 Months
9.74%
APR9.74%
Interest Rate9.74%
Term60 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Debt Shed to $15,000 Loan
10.49%
APR10.49%
Term
Last UpdatedSeptember 22, 2026
Details

$10,000; Loan Amount: $10,001 - $15,000; As Low As; APR*

Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
Personal and Debt Consolidation LoanTerm: 36 Months
11.24%
APR11.24%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Debt Consolidation LoanTerm: Up to 84 Months
11.49%
APR11.49%
TermUp to 84 Months
Last UpdatedSeptember 22, 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: 3.27%
Debt Consolidation Loan
11.99%
APR11.99%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As; Loyalty Discount

Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
Personal and Debt Consolidation LoanTerm: 48 Months
12.24%
APR12.24%
Term48 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Debt Consolidation LoanTerm: 63 Months
12.49%
APR12.49%
Term63 Months
Last UpdatedSeptember 22, 2026
Details

As Low As*

Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
Personal and Debt Consolidation LoanTerm: 60 Months
13.24%
APR13.24%
Term60 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
Debt Consolidation LoanTerm: Up to 84 months
17.99%
APR17.99%
TermUp to 84 months
Last UpdatedSeptember 22, 2026
Details

As Low As; Debt Consolidation Loan

Shelby Signature Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Closed End Signature LoanTerm: 36 Months
5.99%
APR5.99%
Interest Rate5.99%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

Secured Loan Pricing - Base Rates (as low as)

Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Signature - Max LoanTerm: 36 Months
7.75%
APR7.75%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

Credit Level: Gold; Credit Score: 730 and Up

Dowagiac Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Signature/Unsecured LoanTerm: 24 Months
7.75%
APR7.75%
Term24 Months
Last UpdatedSeptember 22, 2026
Details

All loan payments 15 or more days late, will be charged 5% of the interest due, minimum $5.00.

Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Closed End Signature LoanTerm: 48 Months
7.99%
APR7.99%
Interest Rate7.99%
Term48 Months
Last UpdatedSeptember 22, 2026
Details

Secured Loan Pricing - Base Rates (as low as)

Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan 12 MonthsTerm: 12 Months
7.99%
APR7.99%
Term12 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan 24 MonthsTerm: 24 Months
7.99%
APR7.99%
Term24 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan 36 MonthsTerm: 36 Months
7.99%
APR7.99%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Detour Drummond Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Signature Loan
8.00%
APR8.00%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.53%
Signature LoanTerm: Up to 72 Months
8.24%
APR8.24%
TermUp to 72 Months
Last UpdatedSeptember 22, 2026
Details

Additional APR listed for this product: 8.49%. As Low As

Wexford Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Signature LoansTerm: 24 mo rev
8.25%
APR8.25%
Term24 mo rev
Last UpdatedSeptember 22, 2026
Details

VISA; LOC

Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Signature - Max LoanTerm: 60 Months
8.50%
APR8.50%
Term60 Months
Last UpdatedSeptember 22, 2026
Details

Credit Level: Gold; Credit Score: 730 and Up

Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
SIGNATURE - 60 MONTHS MAXIMUM LoanTerm: 60 months
8.50%
APR8.50%
Term60 months
Last UpdatedSeptember 22, 2026
Details

Credit Score: 780+; Credit Grade: A+

Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
SIGNATURE 60 MONTHS MAXIMUM LoanTerm: 60 MONTHS MAXIMUM
8.50%
APR8.50%
Term60 MONTHS MAXIMUM
Last UpdatedSeptember 22, 2026
Details

Credit Score: 780+; Grade: A+

Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Signature LoansTerm: Revolving
8.50%
APR8.50%
TermRevolving
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Signature LoansTerm: 24 Month
8.65%
APR8.65%
Term24 Month
Last UpdatedSeptember 22, 2026
Details

up to $25,000; As Low As; Rates as low as (A.P.R.*)

Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Signature - Max LoanTerm: 36 Months
8.75%
APR8.75%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

Credit Level: Silver; Credit Score: 729 - 670

Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Signature Installment Loan
8.75%
APR8.75%
Interest Rate8.75%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Signature Loan
9.00%
APR9.00%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

Michigan Coastal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Signature Loan
9.00%
APR9.00%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

Wolverine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
Personal/Signature loan
9.00%
APR9.00%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Wexford Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Signature LoansTerm: up to 12 months
9.00%
APR9.00%
Termup to 12 months
Last UpdatedSeptember 22, 2026
Details

Up to $10,000.00

Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Year Signature LoanTerm: Up To 36 Months
9.20%
APR9.20%
TermUp To 36 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Signature LoanTerm: up to 54 months
9.20%
APR9.20%
Interest Rate9.20%
Termup to 54 months
Last UpdatedSeptember 22, 2026
Details

As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and an example My $ Loan amount financed of $5,000. The payment examples shown above do not include optional insurance premium amounts, which will increase your monthly payment obligation. Your payment may vary based on the term, credit score and amount financed.

Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Signature Loans
9.24%
APR9.24%
Term
Last UpdatedSeptember 22, 2026
Details

Rates may vary based on credit history, term, and collateral.

Farm Bureau Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Signature LoanTerm: 36 months
9.49%
APR9.49%
Term36 months
Last UpdatedSeptember 22, 2026
Details

As Low As; Personal loan and debt consolidation

Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Signature - Max LoanTerm: 60 Months
9.50%
APR9.50%
Term60 Months
Last UpdatedSeptember 22, 2026
Details

Credit Level: Silver; Credit Score: 729 - 670

Wayne Westland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
Signature Loan
9.50%
APR9.50%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As;

Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
SIGNATURE - 60 MONTHS MAXIMUM LoanTerm: 60 months
9.50%
APR9.50%
Term60 months
Last UpdatedSeptember 22, 2026
Details

Credit Score: 680-779; Credit Grade: A

Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
SIGNATURE 60 MONTHS MAXIMUM LoanTerm: 60 MONTHS MAXIMUM
9.50%
APR9.50%
Term60 MONTHS MAXIMUM
Last UpdatedSeptember 22, 2026
Details

Credit Score: 680-779; Grade: A

Safe Harbor Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.11%
Unsecured/Signature Loan
9.50%
APR9.50%
Term
Last UpdatedSeptember 22, 2026
Details

APR* as low as

Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Signature Loan
9.75%
APR9.75%
Term
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Dowagiac Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Signature/Unsecured LoanTerm: 36 Months
9.75%
APR9.75%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

All loan payments 15 or more days late, will be charged 5% of the interest due, minimum $5.00.

Wexford Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Signature LoansTerm: up to 24 months
9.75%
APR9.75%
Termup to 24 months
Last UpdatedSeptember 22, 2026
Details

Up to $10,000.00

Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
Personal Signature LoanTerm: 39 Months
9.91%
APR9.91%
Interest Rate9.00%
Term39 Months
Last UpdatedSeptember 22, 2026
Details

As Low As

Power One Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.20%
Signature LoanTerm: Up to 60 Months
9.99%
APR9.99%
TermUp to 60 Months
Last UpdatedSeptember 22, 2026
Details

Unsecured up to $25,000.00. All Rates Effective April 1st, 2026

Home Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Signature Loan
9.99%
APR9.99%
Term
Last UpdatedSeptember 22, 2026
Details

Rate as low as; Rate subject to change without notice. Interest rate will be based on credit score. Terms will be based on the dollar amount financed. Loan subject to credit approval.

Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Closed End Signature LoanTerm: 60 Months
9.99%
APR9.99%
Interest Rate9.99%
Term60 Months
Last UpdatedSeptember 22, 2026
Details

Secured Loan Pricing - Base Rates (as low as)

Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan 48 MonthsTerm: 48 Months
9.99%
APR9.99%
Term48 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
Back to School Signature Loans
9.99%
APR9.99%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Signature LoanTerm: Up to 60 Months
9.99%
APR9.99%
Interest Rate9.99%
TermUp to 60 Months
Last UpdatedSeptember 22, 2026
Details

Long-Term Flexibility; Rate as low as 9.99%

Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Signature LoanTerm: Flexible Terms Avail
9.99%
APR9.99%
TermFlexible Terms Avail
Last UpdatedSeptember 22, 2026
Details

Term: Flexible Terms Available; As Low As; *

Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Signature Loan - FixedTerm: Up to 36 Months
9.99%
APR9.99%
TermUp to 36 Months
Last UpdatedSeptember 22, 2026
Details

As Low As; Maximum APR is 19.25%. Contact a Member Service Representative for more details.

Farm Bureau Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Signature LoanTerm: 60 months
9.99%
APR9.99%
Term60 months
Last UpdatedSeptember 22, 2026
Details

As Low As

AT&T Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature / Co-Maker Closed-End LoanTerm: 12 - 48 Months
10.00%
APR10.00%
Term12 - 48 Months
Last UpdatedSeptember 22, 2026
Details

Includes a discount for Auto-pay

Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Signature LoansTerm: 12 Months
10.00%
APR10.00%
Term12 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
Signature Loans
10.24%
APR10.24%
Term
Last UpdatedSeptember 22, 2026
Details

As Low As

Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
Unsecured/Signature LoanTerm: Up to 36 Months
10.25%
APR10.25%
TermUp to 36 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
SIGNATURE (UNSECURED) LOAN
10.25%
APR10.25%
Term
Last UpdatedSeptember 22, 2026
Details

Apply Online

Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Signature LoanTerm: up to 48 months
10.49%
APR10.49%
Termup to 48 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Personal Signature LoanTerm: 36 Months
10.49%
APR10.49%
Term36 Months
Last UpdatedSeptember 22, 2026
Details

As Low As*

Farm Bureau Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Signature LoanTerm: 84 months
10.49%
APR10.49%
Term84 months
Last UpdatedSeptember 22, 2026
Details

As Low As

Traverse Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
Signature LoanTerm: 60 M
10.50%
APR10.50%
Interest Rate10.50%
Term60 M
Last UpdatedSeptember 22, 2026
Details

Low Rate with the convience of getting cash when you need it

Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Signature LoanTerm: 36 months
10.50%
APR10.50%
Term36 months
Last UpdatedSeptember 22, 2026
Details

As low as

Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Member Signature Loans
10.50%
APR10.50%
Term
Last UpdatedSeptember 22, 2026
Details

Credit Score: 620-699

FinancialEdge Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Signature LoansTerm: 25 Months
10.50%
APR10.50%
Term25 Months
Last UpdatedSeptember 22, 2026
Details

As Low As

Wexford Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Signature LoansTerm: up to 36 months
10.50%
APR10.50%
Termup to 36 months
Last UpdatedSeptember 22, 2026
Details

Up to $10,000.00

Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Signature LoanTerm: 44-60 Months
10.74%
APR10.74%
Term44-60 Months
Last UpdatedSeptember 22, 2026
Details

Annual Percentage Rate=APR. APR based on sample loan amount of 10,000 payable over the term listed above. Must meet SFCU normal underwriter and qualifications and is included in the APR calculation. Rates may change at any time. Contact us at SFCU for more details.

Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Signature Loan - FixedTerm: Up to 60 Months
10.74%
APR10.74%
TermUp to 60 Months
Last UpdatedSeptember 22, 2026
Details

As Low As; Maximum APR is 19.25%. Contact a Member Service Representative for more details.

Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
Unsecured/Signature LoanTerm: 37 - 60 Months
10.75%
APR10.75%
Term37 - 60 Months
Last UpdatedSeptember 22, 2026
Details

No additional details available.

Shelby, MI Personal Loan Rate Trends

Compare local Shelby, 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.

View Full Michigan Personal Loan Trends
Personal Loan MI Avg
11.587%
▲ 0.073 vs 7 days ago

Michigan personal loan rates rose 0.073 points over the past 7 days to 11.587% APR.

Signature Loan MI Avg
10.969%
▼ 0.068 vs 7 days ago

Michigan signature loan rates fell 0.068 points over the past 7 days to 10.969% APR.

As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Shelby, MI Personal Loan Rate Forecast, Next 12 Months

Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Michigan figures.

Current Personal Loan Avg
11.59%
APR, as of Sep 22, 2026
6-Month Forecast
11.67%
Fed hold assumed
12-Month Forecast
11.74%
Range: 11.39% to 11.94%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

What Would Your Monthly Payment Be?

Estimated monthly payments at the current MI average personal loan APR of 11.59%, across the terms lenders serving Shelby, Michigan most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.

Loan Amount 24 Months 36 Months 48 Months 60 Months
$5,000 $234.40/mo $165.09/mo $130.66/mo $110.18/mo
$10,000 $468.81/mo $330.17/mo $261.32/mo $220.36/mo
$15,000 $703.21/mo $495.26/mo $391.97/mo $330.54/mo
$25,000 $1,172.02/mo $825.43/mo $653.29/mo $550.91/mo
$35,000 $1,640.83/mo $1,155.61/mo $914.60/mo $771.27/mo

Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.

Consolidating Credit Card Debt in Shelby, Michigan

Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the MI personal loan average versus a range of typical credit card APRs.

Repayment Option APR Monthly Payment Total Interest Interest Saved
Personal Loan (MI average) 11.59% $391.97 $3,815
Credit card at 18% APR 18.00% $440.62 $6,150 $2,335
Credit card at 22% APR 22.00% $472.59 $7,684 $3,870
Credit card at 26% APR 26.00% $505.76 $9,276 $5,462

The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.

How to Get the Best Personal Loan Rate in Shelby, Michigan

1

Prequalify With a Soft Credit Check

Most lenders serving Shelby, Michigan will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.

2

Compare APR, Not the Interest Rate

Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.

3

Check Local Credit Unions First

Credit unions consistently publish the lowest personal loan APRs in our Michigan data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.

4

Borrow Only What You Need, for as Short a Term as You Can

Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.

A personal loan may not be the cheapest option for your situation

Shelby, Michigan Financial Snapshot

Local demographics and economic context for borrowers. Source: U.S. Census Bureau

$33,148
Median Individual Earnings
National avg: $47,340
6.6%
Unemployment Rate
National avg: 4.8%
20.0%
Poverty Rate
National avg: 11.1%
$392/mo
Payment on a $15K / 48-mo Loan
At the MI average 11.59% APR

A $392 monthly loan payment is roughly 14.2% of the median individual income in Shelby, Michigan. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.

Personal Loan vs. Other Ways to Borrow

A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Shelby, Michigan.

Feature Personal Loan Credit Card 0% Balance Transfer Home Equity Loan / HELOC
Typical APR Level Mid, fixed Highest, variable 0% for a promo window Usually lowest
Collateral Required None None None Your home is at risk
Payment Predictability Fixed payment and payoff date Revolving, can last indefinitely Rate jumps when promo ends Fixed for loans, variable for HELOCs
Speed to Funding Often 1–3 business days Immediate if you hold the card Card approval plus transfer time Weeks (appraisal and closing)
Upfront Costs Origination fee up to ~10% None Transfer fee, typically 3–5% Closing costs possible
Best For Consolidation and one-off costs, no collateral Small balances paid in full monthly Debt you can clear inside the promo window Large projects when you have equity and time

General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.

Personal Loan Payment Calculator

Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current MI average, or click any rate on the right to apply it instantly.

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Current Rates: Click to Apply
$0
Estimated Monthly Payment
Total Interest Paid$0
Total of All Payments$0
Origination Fee$0
Cash You Actually Receive$0
Total Cost of Borrowing$0

Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Shelby, Michigan personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Shelby, Michigan directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Shelby, Michigan. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MI.

Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.

Frequently Asked Questions

What credit score do I need for a personal loan in Michigan?

Most lenders in Shelby, 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 Shelby, 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 Shelby, 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 Shelby, Michigan?

Credit unions in Shelby, 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 is an origination fee on a personal loan?

An origination fee is a one-time charge some lenders deduct from your loan proceeds, commonly 1% to 10% of the amount borrowed. On a $15,000 loan a 5% fee means you receive $14,250 but still owe interest on the full $15,000. The fee is built into the APR but not the interest rate, so compare lenders serving Shelby, Michigan on APR. Many credit unions charge no origination fee at all.

Does checking personal loan rates hurt my credit score?

Prequalifying does not. Most lenders let you check an estimated rate with a soft credit inquiry that is invisible to other lenders and does not affect your score. Only a formal application triggers a hard inquiry. If you submit several full applications, group them within a short shopping window so credit scoring models treat them as one rate-shopping event.

Can I pay off a personal loan early?

Most personal loans from banks and credit unions serving Shelby, Michigan carry no prepayment penalty, so paying early reduces your total interest. Confirm before signing, because a small number of lenders charge a prepayment fee or use precomputed interest, which removes the benefit of paying ahead of schedule.

What are the best personal loan rates in Shelby, Michigan?

  • Maui Teachers Federal Credit Union: 4.50% (Solar Heater Loan)
  • Warren Municipal Federal Credit Union: 5.99% (Closed End Signature Loan)
  • Dfcu Financial Credit Union: 6.00% (Printer FriendlyPersonal Loan)
  • Steuben Citizens Federal Credit Union: 7.00% (Personal Loans)
  • Berkeley Community Federal Credit Union: 7.00% (Personal Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Shelby, Michigan. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 22, 2026.

Shelby, Michigan Rates & Resources