Best Personal Loan Rates in Rochester, Minnesota (MN) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Rochester, Minnesota include: Mayo Employees Federal Credit UnionMayo Employees Federal Credit Union130 23rd Ave SW, Rochester, MN, 55902A+5.0 ★Texas Ratio: 0.10% offering Solar Loan at 7.99% APR, First Alliance Credit UnionFirst Alliance Credit Union501 16th St SE, Rochester, MN, 55904A5.0 ★Texas Ratio: 9.69% offering Personal Loans at 10.99% APR, Alexandria Schools Employees Credit UnionAlexandria Schools Employees Credit UnionA+5.0 ★Texas Ratio: 2.54% offering Share Loan at 4.00% APR, Lake Central BankLake Central BankA+5.0 ★Texas Ratio: 1.05% offering Credit Builder Loans at 4.01% APR, and TopLine Financial Credit UnionTopLine Financial Credit UnionA5.0 ★Texas Ratio: 6.64% offering Drive 4 Less Loans 2022 & Newer at 4.49% APR. Personal loan rates as of April 9, 2026 according to verified data from MonitorBankRates.
Rochester has 2 local institutions in our database, with personal loan rates as low as 7.99% APR from Mayo Employees Federal Credit Union at 130 23rd Ave SW, Rochester, MN, 55902. 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 Rochester, Minnesota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Rochester, Minnesota. 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 9, 2026
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Personal Line of Credit
$2,500 for 18 months at 10.67% interest rate with a $150 convenience fee
$1,000 for 12 months at 8.51% interest rate with a $55 convenience fee
The share loan rate is determined by adding 1.50% to the tiered savings rate. Secured by share/savings account at Credit Union pledged as collateral.
Waived processing fee
The share loan rate is determined by adding 1.50% to the tiered savings rate. Secured by share/savings account at Credit Union pledged as collateral.
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No additional details available.
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The share loan rate is determined by adding 1.50% to the tiered savings rate. Secured by share/savings account at Credit Union pledged as collateral.
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This APR will vary with the market based on the dividend rate.
As Low As; Must provide proof of studentship.
No additional details available.
No additional details available.
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The share loan rate is determined by adding 1.50% to the tiered savings rate. Secured by share/savings account at Credit Union pledged as collateral.
As Low As; Rates, terms and availability of product subject to change without notice. Proof of Income is required.
New
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No additional details available.
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As Low As; including up to 36 months and rates as low as 5.9%.
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No additional details available.
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interest only
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Interest-only 12 month terms
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As Low As; *APR = Annual Percentage Rate. Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of collateral. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and is not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Rates are subject to change without notice. Interest will continue to accrue. Timing of first payment will vary based on approved loan terms and cannot be subject to negative amortization. Contact a SharePoint Representative for full details.
As Low As; *APR = Annual Percentage Rate. Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of collateral. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and is not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Rates are subject to change without notice. Interest will continue to accrue. Timing of first payment will vary based on approved loan terms and cannot be subject to negative amortization. Contact a SharePoint Representative for full details.
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As Low As; *APR = Annual Percentage Rate. Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of collateral. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and is not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Rates are subject to change without notice. Interest will continue to accrue. Timing of first payment will vary based on approved loan terms and cannot be subject to negative amortization. Contact a SharePoint Representative for full details.
As Low As; *APR = Annual Percentage Rate. Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of collateral. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and is not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Rates are subject to change without notice. Interest will continue to accrue. Timing of first payment will vary based on approved loan terms and cannot be subject to negative amortization. Contact a SharePoint Representative for full details.
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w/ Max Discount
As Low As; *APR = Annual Percentage Rate. Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of collateral. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and is not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Rates are subject to change without notice. Interest will continue to accrue. Timing of first payment will vary based on approved loan terms and cannot be subject to negative amortization. Contact a SharePoint Representative for full details.
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No additional details available.
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w/ Max Discount
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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
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w/ Max Discount
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
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As Low As; Loan Amount: $5,000 - $30,000
As Low As; *Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Minimum credit score required to qualify for this loan. Loan limits from $5,000 and up to $30,000 with terms up to 60 months. Limited time offer.
As Low As; Minimum Loan $500.00
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No additional details available.
w/ Max Discount
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No additional details available.
No additional details available.
As Low As; *Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Minimum credit score required to qualify for this loan. Loan limits from $5,000 and up to $30,000 with terms up to 60 months. Limited time offer.
As Low As; Loan Amount: $5,000 - $30,000
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Unsecured up to $5,000 with a qualifying credit score.
No additional details available.
As Low As; Maximum amount of $25,000 or 20% of annual income.
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Fixed rates starting at
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Be Free in Up to 5 Years
As Low As; Maximum without collateral is $5000
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As Low As; Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account.
No additional details available.
Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
As Low As; Maximum amount of $25,000 or 20% of annual income.
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up to $20,000
As Low As; $10,000 maximum * up to 60 months financing
No additional details available.
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As Low As; Maximum amount of $25,000 or 20% of annual income.
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up to $20,000
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No additional details available.
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Credit Score: B; Paper Grade: 640 - 679; Maximum Amount*: 90%
Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
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As Low As; Over $2,000
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No additional details available.
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As Low As; Maximum amount of $25,000 or 20% of annual income.
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w/ Max Discount
up to $20,000
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As Low As; Disclosed rate includes a .25% discount for auto pay from a BTCU checking account.
As Low As; View Rates
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No additional details available.
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Personal Line of Credit
As Low As; including up to 36 months and rates as low as 5.9%.
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No additional details available.
No additional details available.
As Low As; Loan Amount: $5,000 - $30,000
As Low As; Minimum Loan $500.00
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No additional details available.
No additional details available.
As Low As; Loan Amount: $5,000 - $30,000
Fixed rates starting at
As Low As; Maximum amount of $25,000 or 20% of annual income.
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Be Free in Up to 5 Years
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As Low As; Maximum amount of $25,000 or 20% of annual income.
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No additional details available.
As Low As; Maximum amount of $25,000 or 20% of annual income.
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As Low As; View Rates
As Low As; Must provide proof of studentship.
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No additional details available.
No additional details available.
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No additional details available.
Unsecured up to $5,000 with a qualifying credit score.
No additional details available.
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
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As Low As; $10,000 maximum * up to 60 months financing
up to $20,000
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No additional details available.
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up to $20,000
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Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
As Low As; Over $2,000
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up to $20,000
No additional details available.
No additional details available.
Rochester, MN Personal Loan Rate Trends
Compare local Rochester, MN 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.
Minnesota personal loan rates fell 0.294 points over the past 7 days to 10.517% APR.
Minnesota signature loan rates rose 1.415 points over the past 7 days to 12.581% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Minnesota?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Minnesota?
Are credit unions or banks better for personal loans in Rochester, Minnesota?
What are the best personal loan rates in Rochester, Minnesota?
- Mayo Employees Federal Credit Union: 7.99% (Solar Loan)
- First Alliance Credit Union: 10.99% (Personal Loans)
- Alexandria Schools Employees Credit Union: 4.00% (Share Loan)
- Lake Central Bank: 4.01% (Credit Builder Loans)
- TopLine Financial Credit Union: 4.49% (Drive 4 Less Loans 2022 & Newer)
Personal Loan Calculators
