Best Personal Loan Rates in Hickory, North Carolina (NC) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to North Carolina borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Hickory, North Carolina include: Shuford Federal Credit UnionShuford Federal Credit Union882 16th St NE, Hickory, NC, 28601A5.0 ★Texas Ratio: 11.04% offering Unsecured Lines of Credit at 8.75% APR, Summit Credit UnionSummit Credit Union102 1st Ave NE, Hickory, NC, 28601 6207A+5.0 ★Texas Ratio: 2.72% offering Credit Builder Loan at 9.50% APR, State Employees Credit UnionState Employees Credit Union2875 16TH ST NE, HICKORY, NC, 28601A-5.0 ★Texas Ratio: 15.54% offering Open-End Signature Loan at 11.25% APR, Nova Credit UnionNova Credit Union1022 11th Avenue Blvd SE, Hickory, NC, 28602A+5.0 ★Texas Ratio: 2.29% offering Personal Loan at 14.00% APR, and Members Credit Union Winston Salem, NCMembers Credit Union Winston Salem, NC2142 12th Ave NE, Hickory, NC, 28601 3182A+5.0 ★Texas Ratio: 2.99% offering Debt Consolidation at 15.45% APR. Personal loan rates as of April 9, 2026 according to verified data from MonitorBankRates.
Hickory has 5 local institutions in our database, with personal loan rates as low as 8.75% APR from Shuford Federal Credit Union at 882 16th St NE, Hickory, NC, 28601. 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 Hickory, North Carolina.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Hickory, North Carolina. 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
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
882 16th St NE, Hickory, NC, 28601
Unsecured Lines of Credit
8.75%
▼
APR8.75%
Last UpdatedApril 9, 2026
Details
No additional details available.
Summit Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
102 1st Ave NE, Hickory, NC, 28601 6207
Credit Builder Loan
9.50%
▼
APR9.50%
Last UpdatedApril 9, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2875 16TH ST NE, HICKORY, NC, 28601
Open-End Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 9, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2875 16TH ST NE, HICKORY, NC, 28601
Signature Term Note
11.75%
▼
APR11.75%
Last UpdatedApril 9, 2026
Details
As Low As
Nova Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1022 11th Avenue Blvd SE, Hickory, NC, 28602
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2875 16TH ST NE, HICKORY, NC, 28601
Open-End Signature Loan
14.25%
▼
APR14.25%
Last UpdatedApril 9, 2026
Details
No additional details available.
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2142 12th Ave NE, Hickory, NC, 28601 3182
Debt Consolidation
15.45%
▼
APR15.45%
Last UpdatedApril 9, 2026
Details
No additional details available.
Summit Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
102 1st Ave NE, Hickory, NC, 28601 6207
Emergency Loan
17.95%
▼
APR17.95%
Last UpdatedApril 9, 2026
Details
As Low As
APR4.50%
Last UpdatedApril 9, 2026
Details
No additional details available.
APR4.64%
Last UpdatedApril 9, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedApril 9, 2026
Details
As Low As
APR5.00%
Last UpdatedApril 9, 2026
Details
As Low As
APR5.50%
Last UpdatedApril 9, 2026
Details
up to 180 months
APR5.50%
Last UpdatedApril 9, 2026
Details
up to 240 months
APR5.50%
Last UpdatedApril 9, 2026
Details
As Low As
APR5.50%
Last UpdatedApril 9, 2026
Details
As Low As
APR5.75%
Last UpdatedApril 9, 2026
Details
Payroll Deduction or Automatic Draft APR
APR5.75%
Last UpdatedApril 9, 2026
Details
As Low As
APR5.91%
Last UpdatedApril 9, 2026
Details
No additional details available.
APR5.99%
Last UpdatedApril 9, 2026
Details
As Low As; Terms up to 12 months. Maximum loan amount is $5,000.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Computer Loan
6.00%
▼
APR6.00%
Last UpdatedApril 9, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
APR6.00%
Last UpdatedApril 9, 2026
Details
As Low As
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
VA Refi Loan
6.20%
▼
APR6.20%
Last UpdatedApril 9, 2026
Details
No additional details available.
APR6.25%
Last UpdatedApril 9, 2026
Details
Non-Payroll Deduction APR
APR6.25%
Last UpdatedApril 9, 2026
Details
As Low As
APR6.25%
Last UpdatedApril 9, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Credit Builder Loan
6.50%
▼
APR6.50%
Last UpdatedApril 9, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Computer Loan
6.50%
▼
APR6.50%
Last UpdatedApril 9, 2026
Details
As Low As; Non-Payroll Deduction
APR6.50%
Last UpdatedApril 9, 2026
Details
As Low As
APR6.51%
Last UpdatedApril 9, 2026
Details
As Low As; Rates as low as 5.625% (6.508% APR)
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Signature Loan
6.75%
▼
APR6.75%
Last UpdatedApril 9, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Loan Promotion /
6.90%
▼
APR6.90%
Last UpdatedApril 9, 2026
Details
$3000; Score: A+ = 750+
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Energy Efficient Loan
6.90%
▼
APR6.90%
Last UpdatedApril 9, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 9, 2026
Details
As Low As
Arcade Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Unsecured (signature)
7.00%
▼
APR7.00%
Last UpdatedApril 9, 2026
Details
Up to 60 months
APR7.00%
Last UpdatedApril 9, 2026
Details
All rates are based on a term of 84 months
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Personal Loan
7.25%
▼
APR7.25%
Last UpdatedApril 9, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedApril 9, 2026
Details
As Low As
APR7.50%
Last UpdatedApril 9, 2026
Details
As Low As
APR7.50%
Last UpdatedApril 9, 2026
Details
No additional details available.
APR7.75%
Last UpdatedApril 9, 2026
Details
$14,999
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Loan Promotion /
7.90%
▼
APR7.90%
Last UpdatedApril 9, 2026
Details
$3000; Score: B = 640-679
APR7.99%
Last UpdatedApril 9, 2026
Details
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Debt180 Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedApril 9, 2026
Details
$500 - $50,000, 6 - 84 Months. Fixed Rate.
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Personal Convenience Loan
7.99%
▼
APR7.99%
Last UpdatedApril 9, 2026
Details
$500 - $50,000, 6 - 84 Months. Fixed Rate.
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 9, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 9, 2026
Details
As Low As
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 9, 2026
Details
Unsecured
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
MAX LOAN TERMS
8.00%
▼
APR8.00%
Last UpdatedApril 9, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Open-end Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 9, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 9, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Land or Lot Loan
8.24%
▼
APR8.24%
Last UpdatedApril 9, 2026
Details
$5,000 - $200,000. 10-acre maximum.
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Personal Loan (below
8.24%
▼
APR8.24%
Last UpdatedApril 9, 2026
Details
$20,000; As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
MAX LOAN TERMS
8.25%
▼
APR8.25%
Last UpdatedApril 9, 2026
Details
As Low As
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
Equipment Loans
8.25%
▼
APR8.25%
Last UpdatedApril 9, 2026
Details
As Low As; Up to 48 Months
APR8.50%
Last UpdatedApril 9, 2026
Details
All rates are based on a term of 84 months
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
MAX LOAN TERMS
8.50%
▼
APR8.50%
Last UpdatedApril 9, 2026
Details
As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Recreational Loan
8.50%
▼
APR8.50%
Last UpdatedApril 9, 2026
Details
As Low As; MODEL YEAR: 2019-2025
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedApril 9, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
APR8.99%
Last UpdatedApril 9, 2026
Details
As Low As
APR9.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Vacant Land Loans
9.00%
▼
APR9.00%
Last UpdatedApril 9, 2026
Details
Fixed 9.00% APR*
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
Personal
9.00%
▼
APR9.00%
Last UpdatedApril 9, 2026
Details
As Low As; Up to 60 Months
APR9.00%
Last UpdatedApril 9, 2026
Details
All rates are based on a term of 84 months
APR9.25%
Last UpdatedApril 9, 2026
Details
$15,000 -$25,000
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
MAX LOAN TERMS
9.25%
▼
APR9.25%
Last UpdatedApril 9, 2026
Details
As Low As
APR9.38%
Last UpdatedApril 9, 2026
Details
As Low As
APR9.49%
Last UpdatedApril 9, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Consolidation Loan
9.49%
▼
APR9.49%
Last UpdatedApril 9, 2026
Details
As Low As; Non-Payroll Deduction
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Personal Loan (below
9.49%
▼
APR9.49%
Last UpdatedApril 9, 2026
Details
$20,000; As Low As
APR9.49%
Last UpdatedApril 9, 2026
Details
As Low As
APR9.74%
Last UpdatedApril 9, 2026
Details
$5,000+; As Low As
APR9.74%
Last UpdatedApril 9, 2026
Details
As Low As
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 9, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Loan to Value 95%
9.75%
▼
APR9.75%
Last UpdatedApril 9, 2026
Details
All rates are based on a term of 84 months
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Lifestyle Loan
9.85%
▼
APR9.85%
Last UpdatedApril 9, 2026
Details
Payroll Deduction or Automatic Draft APR
APR9.90%
Last UpdatedApril 9, 2026
Details
As Low As
APR9.90%
Last UpdatedApril 9, 2026
Details
As Low As; Rates as low as 9.90%
APR9.95%
Last UpdatedApril 9, 2026
Details
As Low As; Up to 60 Months
APR9.99%
Last UpdatedApril 9, 2026
Details
As Low As
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Debt Consolidation Loans
9.99%
▼
APR9.99%
Last UpdatedApril 9, 2026
Details
As Low As; Maximum term for lowest rate is 60 months.
APR9.99%
Last UpdatedApril 9, 2026
Details
Fixed Rates only. Terms available up to 60 months.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Personal Loan Credit Scores 780 & Higher
9.99%
▼
APR9.99%
Last UpdatedApril 9, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Personal Loan or Greater Up to 48 Months
9.99%
▼
APR9.99%
Last UpdatedApril 9, 2026
Details
$1500.00
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Personal Loan or Less Up to 24 Months
9.99%
▼
APR9.99%
Last UpdatedApril 9, 2026
Details
$1499.00
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 9, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 9, 2026
Details
As Low As
APR10.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
MAX LOAN TERMS
10.00%
▼
APR10.00%
Last UpdatedApril 9, 2026
Details
As Low As
APR10.24%
Last UpdatedApril 9, 2026
Details
$7,500+; As Low As
APR10.24%
Last UpdatedApril 9, 2026
Details
As Low As
APR10.25%
Last UpdatedApril 9, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedApril 9, 2026
Details
Score: A+ = 750+
APR10.25%
Last UpdatedApril 9, 2026
Details
No additional details available.
APR10.49%
Last UpdatedApril 9, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 9, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Term Note Loan
10.50%
▼
APR10.50%
Last UpdatedApril 9, 2026
Details
$20,000 Maximum - Individual & Joint
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 9, 2026
Details
Score: A+ = 750+
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Personal/Signature Loan
10.50%
▼
APR10.50%
Last UpdatedApril 9, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
Unsecured Term 0 - 36 Months
10.50%
▼
APR10.50%
Last UpdatedApril 9, 2026
Details
Up to $5,000.00
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
All-Purpose Loan
10.74%
▼
APR10.74%
Last UpdatedApril 9, 2026
Details
As Low As
APR10.74%
Last UpdatedApril 9, 2026
Details
$10,000+; As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Loan to Value 70%
10.75%
▼
APR10.75%
Last UpdatedApril 9, 2026
Details
All rates are based on a term of 84 months
Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Personal Unsecured Loans
10.75%
▼
APR10.75%
Last UpdatedApril 9, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Closed-End Signature
10.75%
▼
APR10.75%
Last UpdatedApril 9, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
MAX LOAN TERMS
10.75%
▼
APR10.75%
Last UpdatedApril 9, 2026
Details
As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Unsecured Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 9, 2026
Details
As Low As; Up to 36 months**
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 9, 2026
Details
As Low As; Rates start as low as 10.75% APR* for well-qualified borrowers, but do not exceed 17.50% APR*. Length of term offered varies by the amount borrowed.
APR10.75%
Last UpdatedApril 9, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Loan Promotion /
10.90%
▼
APR10.90%
Last UpdatedApril 9, 2026
Details
$3000; Score: C = 600-639
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
Roaring Start Credit Builder Loan
10.99%
▼
APR10.99%
Last UpdatedApril 9, 2026
Details
Borrow: $500 to $1,200, with flexibility to increase if needed.
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
Roaring Start Loan
10.99%
▼
APR10.99%
Last UpdatedApril 9, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 9, 2026
Details
As Low As
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Debt Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedApril 9, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 9, 2026
Details
Score: A+ = 750+
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
Signature Loans with Collateral
11.00%
▼
APR11.00%
Last UpdatedApril 9, 2026
Details
up to 48 months
APR11.15%
Last UpdatedApril 9, 2026
Details
As Low As
APR11.24%
Last UpdatedApril 9, 2026
Details
No additional details available.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Anything/Unsecured
11.24%
▼
APR11.24%
Last UpdatedApril 9, 2026
Details
No additional details available.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Unsecured Loan
11.24%
▼
APR11.24%
Last UpdatedApril 9, 2026
Details
As Low As
APR11.25%
Last UpdatedApril 9, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Open-End Signature loan
11.25%
▼
APR11.25%
Last UpdatedApril 9, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedApril 9, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 9, 2026
Details
Score: A+ = 750+
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
MAX LOAN TERMS
11.50%
▼
APR11.50%
Last UpdatedApril 9, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 9, 2026
Details
No additional details available.
APR11.74%
Last UpdatedApril 9, 2026
Details
As Low As
APR11.75%
Last UpdatedApril 9, 2026
Details
As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Loan to Value 85%
11.75%
▼
APR11.75%
Last UpdatedApril 9, 2026
Details
All rates are based on a term of 84 months
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
Signature
12.00%
▼
APR12.00%
Last UpdatedApril 9, 2026
Details
As Low As
APR12.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
APR12.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Disaster Loans
12.00%
▼
APR12.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedApril 9, 2026
Details
Score: A = 680-749
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
Signature- Unsecured
12.00%
▼
APR12.00%
Last UpdatedApril 9, 2026
Details
up to 48 months
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Unsecured Loan
12.24%
▼
APR12.24%
Last UpdatedApril 9, 2026
Details
As Low As
APR12.24%
Last UpdatedApril 9, 2026
Details
No additional details available.
Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
Signature - Unsecured
12.25%
▼
APR12.25%
Last UpdatedApril 9, 2026
Details
No additional details available.
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 9, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedApril 9, 2026
Details
Score: B = 640-679
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Consumer Loan
12.50%
▼
APR12.50%
Last UpdatedApril 9, 2026
Details
No additional details available.
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Recruit Loan
12.50%
▼
APR12.50%
Last UpdatedApril 9, 2026
Details
No additional details available.
APR12.75%
Last UpdatedApril 9, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
Unsecured Term 37-60 Months
12.75%
▼
APR12.75%
Last UpdatedApril 9, 2026
Details
$5,000.01-$15,000.00
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 9, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Personal Loans
12.99%
▼
APR12.99%
Last UpdatedApril 9, 2026
Details
Terms up to 60 months. Debt protection available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedApril 9, 2026
Details
Score: B = 640-679
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Comaker Loan
13.00%
▼
APR13.00%
Last UpdatedApril 9, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
13.50%
▼
APR13.50%
Last UpdatedApril 9, 2026
Details
Score: C = 600-639
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Unsecured Loan
13.50%
▼
APR13.50%
Last UpdatedApril 9, 2026
Details
Payroll Deduction or Automatic Draft APR
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 9, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 9, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 9, 2026
Details
Score: C = 600-639
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Nova Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
1022 11th Avenue Blvd SE, Hickory, NC, 28602
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
APR6.99%
Last UpdatedApril 9, 2026
Details
As Low As
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Personal Loan
7.25%
▼
APR7.25%
Last UpdatedApril 9, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loan
7.49%
▼
APR7.49%
Last UpdatedApril 9, 2026
Details
As Low As
APR7.50%
Last UpdatedApril 9, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 9, 2026
Details
Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 9, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 9, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Open-end Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 9, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 9, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Personal Loan (below
8.24%
▼
APR8.24%
Last UpdatedApril 9, 2026
Details
$20,000; As Low As
APR9.38%
Last UpdatedApril 9, 2026
Details
As Low As
APR9.49%
Last UpdatedApril 9, 2026
Details
As Low As
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Personal Loan (below
9.49%
▼
APR9.49%
Last UpdatedApril 9, 2026
Details
$20,000; As Low As
APR9.74%
Last UpdatedApril 9, 2026
Details
$5,000+; As Low As
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedApril 9, 2026
Details
No additional details available.
APR9.99%
Last UpdatedApril 9, 2026
Details
Fixed Rates only. Terms available up to 60 months.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Personal Loan Credit Scores 780 & Higher
9.99%
▼
APR9.99%
Last UpdatedApril 9, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Personal Loan or Greater Up to 48 Months
9.99%
▼
APR9.99%
Last UpdatedApril 9, 2026
Details
$1500.00
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Personal Loan or Less Up to 24 Months
9.99%
▼
APR9.99%
Last UpdatedApril 9, 2026
Details
$1499.00
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 9, 2026
Details
As Low As
APR10.24%
Last UpdatedApril 9, 2026
Details
$7,500+; As Low As
APR10.25%
Last UpdatedApril 9, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedApril 9, 2026
Details
Score: A+ = 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 9, 2026
Details
Score: A+ = 750+
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 9, 2026
Details
No additional details available.
APR10.74%
Last UpdatedApril 9, 2026
Details
$10,000+; As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 9, 2026
Details
As Low As; Rates start as low as 10.75% APR* for well-qualified borrowers, but do not exceed 17.50% APR*. Length of term offered varies by the amount borrowed.
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Unsecured Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 9, 2026
Details
As Low As; Up to 36 months**
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 9, 2026
Details
Score: A+ = 750+
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
APR11.24%
Last UpdatedApril 9, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedApril 9, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 9, 2026
Details
No additional details available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 9, 2026
Details
Score: A+ = 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedApril 9, 2026
Details
Score: A = 680-749
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.67%
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 9, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedApril 9, 2026
Details
Score: B = 640-679
APR12.75%
Last UpdatedApril 9, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 9, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Personal Loans
12.99%
▼
APR12.99%
Last UpdatedApril 9, 2026
Details
Terms up to 60 months. Debt protection available.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedApril 9, 2026
Details
Score: B = 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
13.50%
▼
APR13.50%
Last UpdatedApril 9, 2026
Details
Score: C = 600-639
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 9, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 9, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 9, 2026
Details
Score: C = 600-639
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2142 12th Ave NE, Hickory, NC, 28601 3182
Debt Consolidation
15.45%
▼
APR15.45%
Last UpdatedApril 9, 2026
Details
No additional details available.
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Debt180 Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedApril 9, 2026
Details
$500 - $50,000, 6 - 84 Months. Fixed Rate.
RTP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
Debt Consolidation Loans
9.99%
▼
APR9.99%
Last UpdatedApril 9, 2026
Details
As Low As; Maximum term for lowest rate is 60 months.
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Debt Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedApril 9, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 9, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 9, 2026
Details
As Low As
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
Debt Consolidation Loans
16.00%
▼
APR16.00%
Last UpdatedApril 9, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Debt Consolidation
16.99%
▼
APR16.99%
Last UpdatedApril 9, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2875 16TH ST NE, HICKORY, NC, 28601
Open-End Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 9, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2875 16TH ST NE, HICKORY, NC, 28601
Signature Term Note
11.75%
▼
APR11.75%
Last UpdatedApril 9, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2875 16TH ST NE, HICKORY, NC, 28601
Open-End Signature Loan
14.25%
▼
APR14.25%
Last UpdatedApril 9, 2026
Details
No additional details available.
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Signature Loan
6.75%
▼
APR6.75%
Last UpdatedApril 9, 2026
Details
As Low As
Arcade Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Unsecured (signature)
7.00%
▼
APR7.00%
Last UpdatedApril 9, 2026
Details
Up to 60 months
APR7.50%
Last UpdatedApril 9, 2026
Details
No additional details available.
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 9, 2026
Details
Unsecured
APR9.90%
Last UpdatedApril 9, 2026
Details
As Low As; Rates as low as 9.90%
APR9.90%
Last UpdatedApril 9, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 9, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Personal/Signature Loan
10.50%
▼
APR10.50%
Last UpdatedApril 9, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Closed-End Signature
10.75%
▼
APR10.75%
Last UpdatedApril 9, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
Signature Loans with Collateral
11.00%
▼
APR11.00%
Last UpdatedApril 9, 2026
Details
up to 48 months
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Open-End Signature loan
11.25%
▼
APR11.25%
Last UpdatedApril 9, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
Signature- Unsecured
12.00%
▼
APR12.00%
Last UpdatedApril 9, 2026
Details
up to 48 months
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
Signature
12.00%
▼
APR12.00%
Last UpdatedApril 9, 2026
Details
As Low As
APR12.24%
Last UpdatedApril 9, 2026
Details
No additional details available.
Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
Signature - Unsecured
12.25%
▼
APR12.25%
Last UpdatedApril 9, 2026
Details
No additional details available.
Powered by
MonitorBankRates
No home improvement personal loan rates found in Hickory, NC currently.
Hickory, NC Personal Loan Rate Trends
Compare local Hickory, NC personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Personal Loan — NC Avg
10.651%
▲ 0.613 vs 7 days ago
North Carolina personal loan rates rose 0.613 points over the past 7 days to 10.651% APR.
Signature Loan — NC Avg
12.597%
▼ 0.314 vs 7 days ago
North Carolina signature loan rates fell 0.314 points over the past 7 days to 12.597% APR.
As of Apr 9, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in North Carolina?
Most lenders in Hickory, North Carolina 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 North Carolina often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Hickory, North Carolina 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 North Carolina?
Yes. Debt consolidation is one of the most common uses of personal loans in Hickory, North Carolina. 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 Hickory, North Carolina?
Credit unions in Hickory, North Carolina often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Hickory, North Carolina?
- Shuford Federal Credit Union: 8.75% (Unsecured Lines of Credit)
- Summit Credit Union: 9.50% (Credit Builder Loan)
- State Employees Credit Union: 11.25% (Open-End Signature Loan)
- Nova Credit Union: 14.00% (Personal Loan)
- Members Credit Union Winston Salem, NC: 15.45% (Debt Consolidation)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Hickory, North Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 9, 2026.
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