Best Personal Loan Rates in Stillwater, Oklahoma (OK) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Oklahoma 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 Stillwater, Oklahoma include: Tinker Federal Credit UnionTinker Federal Credit Union5101 W 6th Ave, Stillwater, OK, 74074A+5.0 ★Texas Ratio: 2.99% offering Storm Shelter Loans at 3.99% APR, Oklahoma Community Federal Credit UnionOklahoma Community Federal Credit Union311 E McElroy Rd, Stillwater, OK, 74075 3815A+5.0 ★Texas Ratio: 2.02% offering Signature at 10.19% APR, Department of Public Safety Federal Credit UnionDepartment of Public Safety Federal Credit UnionA+5.0 ★Texas Ratio: 0.69% offering Generator Loan at 3.99% APR, Correctional Workers Federal Credit UnionCorrectional Workers Federal Credit UnionA+5.0 ★Texas Ratio: 0.14% offering SHARE LOAN at 4.00% APR, and Fraternal Order Of Police Federal Credit UnionFraternal Order Of Police Federal Credit UnionA+5.0 ★Texas Ratio: 1.15% offering Storm Shelter Loans at 4.24% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Stillwater has 2 local institutions in our database, with personal loan rates as low as 3.99% APR from Tinker Federal Credit Union at 5101 W 6th Ave, Stillwater, OK, 74074. 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 Stillwater, Oklahoma.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Stillwater, Oklahoma. 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 19, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
5101 W 6th Ave, Stillwater, OK, 74074
Storm Shelter Loans
3.99%
▼
APR3.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Signature
10.19%
▼
APR10.19%
Last UpdatedApril 19, 2026
Details
No additional details available.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Signature
10.69%
▼
APR10.69%
Last UpdatedApril 19, 2026
Details
No additional details available.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Signature
11.19%
▼
APR11.19%
Last UpdatedApril 19, 2026
Details
No additional details available.
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Generator Loan
3.99%
▼
APR3.99%
Last UpdatedApril 19, 2026
Details
As Low As
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SHARE LOAN
4.00%
▼
APR4.00%
Last UpdatedApril 19, 2026
Details
SHARE SECURED
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Storm Shelter Loans
4.24%
▼
APR4.24%
Last UpdatedApril 19, 2026
Details
No additional details available.
Teachers Credit Union Oklahoma City, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Shelter Loan
4.99%
▼
APR4.99%
Last UpdatedApril 19, 2026
Details
As Low As; Contact Us
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SHARE LOAN
5.00%
▼
APR5.00%
Last UpdatedApril 19, 2026
Details
SHARED SECURED
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
Storm Shelter Loan
5.99%
▼
APR5.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Unsecured Signature Loan
7.25%
▼
APR7.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
Employees Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.81%
Promotional Loans
8.24%
▼
APR8.24%
Last UpdatedApril 19, 2026
Details
Fixed
Endurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Signature Loan
8.74%
▼
APR8.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 19, 2026
Details
As Low As
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 19, 2026
Details
As Low As
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
SIGNATURE LOAN RATE
8.75%
▼
APR8.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Storm Shelter Loan
8.99%
▼
APR8.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Storm Shelter Loan
8.99%
▼
APR8.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR9.24%
Last UpdatedApril 19, 2026
Details
Fixed
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 19, 2026
Details
As Low As; with specific terms.
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 19, 2026
Details
As Low As
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 19, 2026
Details
As Low As
SSMOK Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 19, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
As Low As
APR9.90%
Last UpdatedApril 19, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR9.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Credit Builder Loan
9.99%
▼
APR9.99%
Last UpdatedApril 19, 2026
Details
No credit check
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SIGNATURE LOAN
9.99%
▼
APR9.99%
Last UpdatedApril 19, 2026
Details
As Low As; Based on FICO Score
United Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Signature
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
APR10.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR10.45%
Last UpdatedApril 19, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Personal Custom Loan
10.45%
▼
APR10.45%
Last UpdatedApril 19, 2026
Details
As Low As
APR10.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans
10.70%
▼
APR10.70%
Last UpdatedApril 19, 2026
Details
As Low As
APR10.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
10.75%
▼
APR10.75%
Last UpdatedApril 19, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.63%
Signature loan
10.75%
▼
APR10.75%
Last UpdatedApril 19, 2026
Details
As Low As; Up to 36 months (as low as)
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
Signature Loans
10.90%
▼
APR10.90%
Last UpdatedApril 19, 2026
Details
No additional details available.
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Computer Loan
10.90%
▼
APR10.90%
Last UpdatedApril 19, 2026
Details
No additional details available.
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Unsecured Loan
10.95%
▼
APR10.95%
Last UpdatedApril 19, 2026
Details
As Low As
Oklahoma Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 19, 2026
Details
As Low As
Teachers Credit Union Oklahoma City, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedApril 19, 2026
Details
As Low As; Contact Us
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans
10.99%
▼
APR10.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans: 0-36 months
10.99%
▼
APR10.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR11.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Signature Loans
11.24%
▼
APR11.24%
Last UpdatedApril 19, 2026
Details
As Low As
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
Personal Loans
11.24%
▼
APR11.24%
Last UpdatedApril 19, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Personal Loans Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 19, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 19, 2026
Details
As Low As; $10,000 Maximum
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Stress Line Loan
11.25%
▼
APR11.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR11.40%
Last UpdatedApril 19, 2026
Details
As Low As
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Personal/Signature
11.49%
▼
APR11.49%
Last UpdatedApril 19, 2026
Details
As Low As; Up to 15% of gross annual income not to exceed $20,000.
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Signature Loans
11.49%
▼
APR11.49%
Last UpdatedApril 19, 2026
Details
As Low As
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 19, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedApril 19, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans: 37-60 months
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
CREDIT BUILDER LOAN
12.25%
▼
APR12.25%
Last UpdatedApril 19, 2026
Details
CREDIT BUILDER
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
DEBT CONSOLIDATION
12.25%
▼
APR12.25%
Last UpdatedApril 19, 2026
Details
MAXIMUM $5,000. CALL CREDIT UNION FOR ELIGIBILITY
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Signature Loan
12.25%
▼
APR12.25%
Last UpdatedApril 19, 2026
Details
As Low As; Loan amount from $10,001 - $20,000
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Personal Loan
12.40%
▼
APR12.40%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR13.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
Signature
13.24%
▼
APR13.24%
Last UpdatedApril 19, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Personal Loans
13.30%
▼
APR13.30%
Last UpdatedApril 19, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Unsecured
13.30%
▼
APR13.30%
Last UpdatedApril 19, 2026
Details
As Low As
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Unsecured Loans
13.99%
▼
APR13.99%
Last UpdatedApril 19, 2026
Details
As Low As; Rate determined by credit score
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
Signature Loan
14.99%
▼
APR14.99%
Last UpdatedApril 19, 2026
Details
Under $5,000
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
Flex Loan
15.65%
▼
APR15.65%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR16.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Payday - Quik Cash Loans
18.00%
▼
APR18.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Employees Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.81%
Payday Alternative Loan
18.24%
▼
APR18.24%
Last UpdatedApril 19, 2026
Details
($200 - 1,000)
APR28.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Endurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 19, 2026
Details
As Low As
Department of Public Safety Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 19, 2026
Details
As Low As
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 19, 2026
Details
As Low As; with specific terms.
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 19, 2026
Details
As Low As
SSMOK Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 19, 2026
Details
As Low As
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
Arbuckle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
Oklahoma Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 19, 2026
Details
As Low As
TTCU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.15%
Personal Loans
11.24%
▼
APR11.24%
Last UpdatedApril 19, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Personal Loans Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 19, 2026
Details
As Low As
Lifetime Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 19, 2026
Details
As Low As
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Personal Loan
12.40%
▼
APR12.40%
Last UpdatedApril 19, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
Personal Loans
13.30%
▼
APR13.30%
Last UpdatedApril 19, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
DEBT CONSOLIDATION
12.25%
▼
APR12.25%
Last UpdatedApril 19, 2026
Details
MAXIMUM $5,000. CALL CREDIT UNION FOR ELIGIBILITY
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Signature
10.19%
▼
APR10.19%
Last UpdatedApril 19, 2026
Details
No additional details available.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Signature
10.69%
▼
APR10.69%
Last UpdatedApril 19, 2026
Details
No additional details available.
Oklahoma Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
311 E McElroy Rd, Stillwater, OK, 74075 3815
Signature
11.19%
▼
APR11.19%
Last UpdatedApril 19, 2026
Details
No additional details available.
OK Members First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Unsecured Signature Loan
7.25%
▼
APR7.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
Fraternal Order Of Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Signature Loan
8.74%
▼
APR8.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Southwest Oklahoma Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
SIGNATURE LOAN RATE
8.75%
▼
APR8.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR9.24%
Last UpdatedApril 19, 2026
Details
Fixed
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedApril 19, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
As Low As
APR9.90%
Last UpdatedApril 19, 2026
Details
As Low As
Correctional Workers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
SIGNATURE LOAN
9.99%
▼
APR9.99%
Last UpdatedApril 19, 2026
Details
As Low As; Based on FICO Score
United Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
Signature
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
Muskogee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans
10.70%
▼
APR10.70%
Last UpdatedApril 19, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
10.75%
▼
APR10.75%
Last UpdatedApril 19, 2026
Details
As Low As
Otoe-Missouria Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.63%
Signature loan
10.75%
▼
APR10.75%
Last UpdatedApril 19, 2026
Details
As Low As; Up to 36 months (as low as)
Red River Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
Signature Loans
10.90%
▼
APR10.90%
Last UpdatedApril 19, 2026
Details
No additional details available.
Teachers Credit Union Oklahoma City, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedApril 19, 2026
Details
As Low As; Contact Us
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans
10.99%
▼
APR10.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans: 0-36 months
10.99%
▼
APR10.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
USE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Signature Loans
11.24%
▼
APR11.24%
Last UpdatedApril 19, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Personal Loans Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 19, 2026
Details
As Low As
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 19, 2026
Details
As Low As; $10,000 Maximum
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Personal/Signature
11.49%
▼
APR11.49%
Last UpdatedApril 19, 2026
Details
As Low As; Up to 15% of gross annual income not to exceed $20,000.
Bison Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Signature Loans
11.49%
▼
APR11.49%
Last UpdatedApril 19, 2026
Details
As Low As
WeStreet Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.03%
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedApril 19, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal/signature loans: 37-60 months
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
Saint Francis Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
Signature Loan
12.25%
▼
APR12.25%
Last UpdatedApril 19, 2026
Details
As Low As; Loan amount from $10,001 - $20,000
APR13.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
Signature
13.24%
▼
APR13.24%
Last UpdatedApril 19, 2026
Details
No additional details available.
Energy One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.14%
Signature Loan
14.99%
▼
APR14.99%
Last UpdatedApril 19, 2026
Details
Under $5,000
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MonitorBankRates
No home improvement personal loan rates found in Stillwater, OK currently.
Stillwater, OK Personal Loan Rate Trends
Compare local Stillwater, OK 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 — OK Avg
11.448%
Unchanged vs 7 days ago
Oklahoma personal loan rates currently average 11.448% APR.
Signature Loan — OK Avg
11.048%
Unchanged vs 7 days ago
Oklahoma signature loan rates currently average 11.048% APR.
As of Apr 19, 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 Oklahoma?
Most lenders in Stillwater, Oklahoma 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 Oklahoma often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Stillwater, Oklahoma 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 Oklahoma?
Yes. Debt consolidation is one of the most common uses of personal loans in Stillwater, Oklahoma. 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 Stillwater, Oklahoma?
Credit unions in Stillwater, Oklahoma 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 Stillwater, Oklahoma?
- Tinker Federal Credit Union: 3.99% (Storm Shelter Loans)
- Oklahoma Community Federal Credit Union: 10.19% (Signature)
- Department of Public Safety Federal Credit Union: 3.99% (Generator Loan)
- Correctional Workers Federal Credit Union: 4.00% (SHARE LOAN)
- Fraternal Order Of Police Federal Credit Union: 4.24% (Storm Shelter Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Stillwater, Oklahoma. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026.
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