Best Personal Loan Rates in Texas - June 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Texas 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 Texas include: City of Deer Park Federal Credit UnionCity of Deer Park Federal Credit Union2005 Center St, Deer Park, TX, 77536A+5.0 ★Texas Ratio: 0.18% offering Credit Rating A+ 0-48 Months Loan at 3.99% APR, Delta Community Credit UnionDelta Community Credit Union100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024A+5.0 ★Texas Ratio: 1.49% offering 60 months Loan at 4.09% APR, Abilene Teachers Federal Credit UnionAbilene Teachers Federal Credit Union2801 N 6th St, Abilene, TX, 79603A+5.0 ★Texas Ratio: 0.90% offering Credit Builder Loan at 4.25% APR, Estacado Federal Credit Union FCUEstacado Federal Credit Union FCU324 N MAIN AVE, DENVER CITY, TX, 79323 3242A+5.0 ★Texas Ratio: 1.88% offering 2024 or Newer - Up to 3 Years Loan at 4.25% APR, and DuGood Federal Credit UnionDuGood Federal Credit Union7505 Eastex Fwy Ste B, Beaumont, TX, 77708F2.8 ★Texas Ratio: 0.47% offering Recreational Loan at 4.25% APR. Personal loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Texas side-by-side. Texas personal loan rates currently start as low as 3.99% APR from City of Deer Park Federal Credit Union at 2005 Center St, Deer Park, TX, 77536. 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 Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Texas. 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: June 16, 2026
Texas Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Credit Rating A+ 0-48 Months Loan
3.99%
▼
APR3.99%
Last UpdatedJune 17, 2026
Details
No additional details available.
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
60 months Loan
4.09%
▼
APR4.09%
Last UpdatedJune 17, 2026
Details
No additional details available.
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Up to 12 months Loan
4.09%
▼
APR4.09%
Last UpdatedJune 17, 2026
Details
No additional details available.
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
24 months Loan
4.09%
▼
APR4.09%
Last UpdatedJune 17, 2026
Details
No additional details available.
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
48 months Loan
4.09%
▼
APR4.09%
Last UpdatedJune 17, 2026
Details
No additional details available.
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
36 months Loan
4.09%
▼
APR4.09%
Last UpdatedJune 17, 2026
Details
No additional details available.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Credit Builder Loan
4.25%
▼
APR4.25%
Last UpdatedJune 17, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2024 or Newer - Up to 3 Years Loan
4.25%
▼
APR4.25%
Last UpdatedJune 17, 2026
Details
Equifax Score: 750+
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
Recreational Loan
4.25%
▼
APR4.25%
Last UpdatedJune 17, 2026
Details
No additional details available.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
2011 to 2015 Loan
4.40%
▼
APR4.40%
Last UpdatedJune 17, 2026
Details
Model Year: 2011 to 2015
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New Misc. Collateral Loan
4.45%
▼
APR4.45%
Last UpdatedJune 17, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
4.49%
▼
APR4.49%
Last UpdatedJune 17, 2026
Details
Maximum Loan Discount: 0.75%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedJune 17, 2026
Details
No additional details available.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
2016 to 2019 Loan
4.50%
▼
APR4.50%
Last UpdatedJune 17, 2026
Details
Model Year: 2016 to 2019
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
740 Fannin St, Beaumont, TX, 77701
Recreational Loan
4.50%
▼
APR4.50%
Last UpdatedJune 17, 2026
Details
Starting At
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
205 N Bridge St Ste 111, Victoria, TX, 77901
Recreational/Title Loans
4.56%
▼
APR4.56%
Last UpdatedJune 17, 2026
Details
Fixed
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
61-72 months Loan
4.59%
▼
APR4.59%
Last UpdatedJune 17, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX, 75503
2025 Loan
4.60%
▼
APR4.60%
Last UpdatedJune 17, 2026
Details
No additional details available.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
2020 to 2024 Loan
4.60%
▼
APR4.60%
Last UpdatedJune 17, 2026
Details
Model Year: 2020 to 2024
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX, 75503
NEW! 2026 Loan
4.60%
▼
APR4.60%
Last UpdatedJune 17, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedJune 17, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
2025 to 2027 Loan
4.70%
▼
APR4.70%
Last UpdatedJune 17, 2026
Details
Model Year: 2025 to 2027
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
2023 and newer Loan
4.74%
▼
APR4.74%
Last UpdatedJune 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
4.74%
▼
APR4.74%
Last UpdatedJune 17, 2026
Details
Maximum Loan Discount: 0.75%
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2024 or Newer - 4 - 5 Years Loan
4.75%
▼
APR4.75%
Last UpdatedJune 17, 2026
Details
Equifax Score: 750+
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX, 75501 6269
2025 - Newer Loan
4.79%
▼
APR4.79%
Last UpdatedJune 17, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedJune 17, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
2025 to 2027 Loan
4.80%
▼
APR4.80%
Last UpdatedJune 17, 2026
Details
Model Year: 2025 to 2027
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
2023 and newer Loan
4.90%
▼
APR4.90%
Last UpdatedJune 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
Credit Builder And Mender Loan
4.90%
▼
APR4.90%
Last UpdatedJune 17, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2024 or Newer - 6 Years Loan
4.99%
▼
APR4.99%
Last UpdatedJune 17, 2026
Details
Equifax Score: 750+
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX, 75501 6269
2022 - 2024 Loan
4.99%
▼
APR4.99%
Last UpdatedJune 17, 2026
Details
No additional details available.
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Credit Rating A+ 0-60 Months Loan
4.99%
▼
APR4.99%
Last UpdatedJune 17, 2026
Details
No additional details available.
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Credit Rating A 0-48 Months Loan
4.99%
▼
APR4.99%
Last UpdatedJune 17, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
4.99%
▼
APR4.99%
Last UpdatedJune 17, 2026
Details
Maximum Loan Discount: 0.75%
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
600 W Ferguson St, Pharr, TX, 78577
2026 Loan
4.99%
▼
APR4.99%
Last UpdatedJune 17, 2026
Details
No additional details available.
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
600 W Ferguson St, Pharr, TX, 78577
2025 Loan
4.99%
▼
APR4.99%
Last UpdatedJune 17, 2026
Details
No additional details available.
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
600 W Ferguson St, Pharr, TX, 78577
2024 Loan
4.99%
▼
APR4.99%
Last UpdatedJune 17, 2026
Details
No additional details available.
PointBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
200 S Highway 377, Pilot Point, TX, 76258
Balance Transfer Loan
4.99%
▼
APR4.99%
Last UpdatedJune 17, 2026
Details
Intro rate expires: 9 months; Regular APR: 4.99%
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
4631 W Waco Dr, Waco, TX, 76710
Real Estate Loan
5.00%
▼
APR5.00%
Last UpdatedJune 17, 2026
Details
As Low As; *
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
209 N CENTER ST, GRAND PRAIRIE, TX, 75050
Personal Loans with Collateral
5.00%
▼
APR5.00%
Last UpdatedJune 17, 2026
Details
A+ rating
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
2011 to 2015 Models Loan
5.05%
▼
APR5.05%
Last UpdatedJune 17, 2026
Details
Model Year: 2011 to 2015
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
73-84 months Loan
5.09%
▼
APR5.09%
Last UpdatedJune 17, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX, 75503
2025 Loan
5.10%
▼
APR5.10%
Last UpdatedJune 17, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX, 75503
NEW! 2026 Loan
5.10%
▼
APR5.10%
Last UpdatedJune 17, 2026
Details
No additional details available.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
2016 to 2019 Models Loan
5.15%
▼
APR5.15%
Last UpdatedJune 17, 2026
Details
Model Year: 2016 to 2019
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX, 75501 6269
2019- 2021 Loan
5.19%
▼
APR5.19%
Last UpdatedJune 17, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2024 or Newer - 7 Years Loan
5.25%
▼
APR5.25%
Last UpdatedJune 17, 2026
Details
Equifax Score: 750+
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2024 or Newer - Up to 3 Years Loan
5.25%
▼
APR5.25%
Last UpdatedJune 17, 2026
Details
Equifax Score: 700-749
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
Recreational Loan
5.25%
▼
APR5.25%
Last UpdatedJune 17, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2015-2023 - Up to 3 Years Loan
5.25%
▼
APR5.25%
Last UpdatedJune 17, 2026
Details
Equifax Score: 750+
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
All Other Collateral Loan
5.25%
▼
APR5.25%
Last UpdatedJune 17, 2026
Details
As Low As; Annual Percentage Rate
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
2020 to 2024 Models Loan
5.25%
▼
APR5.25%
Last UpdatedJune 17, 2026
Details
Model Year: 2020 to 2024
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Other Collateral Loans
5.25%
▼
APR5.25%
Last UpdatedJune 17, 2026
Details
No additional details available.
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1100 Highway 327 E, Silsbee, TX, 77656
New Riding Lawn Mowers Loan
5.30%
▼
APR5.30%
Last UpdatedJune 17, 2026
Details
No additional details available.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
2023 and newer Loan
5.30%
▼
APR5.30%
Last UpdatedJune 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX, 75503
2025 Loan
5.30%
▼
APR5.30%
Last UpdatedJune 17, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX, 75503
NEW! 2026 Loan
5.30%
▼
APR5.30%
Last UpdatedJune 17, 2026
Details
No additional details available.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
2025 to 2027 Models Loan
5.35%
▼
APR5.35%
Last UpdatedJune 17, 2026
Details
Model Year: 2025 to 2027
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Personal Loans
5.39%
▼
APR5.39%
Last UpdatedJune 17, 2026
Details
No additional details available.
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX, 75501 6269
2018-older Loan
5.39%
▼
APR5.39%
Last UpdatedJune 17, 2026
Details
No additional details available.
South Texas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
2121 W Dove Ave, McAllen, TX, 78504 4064
Summer Loan Promotion
5.39%
▼
APR5.39%
Last UpdatedJune 17, 2026
Details
As Low As; Your Summer Starts Here Fast. Easy. No Credit Check Get the funds you need for travel, projects, and everything in between.
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2023 Gold Canyon Rd, San Antonio, TX, 78232 1703
10yr Loan
5.45%
▼
APR5.45%
Last UpdatedJune 17, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX, 75503
2025 Loan
5.45%
▼
APR5.45%
Last UpdatedJune 17, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX, 75503
NEW! 2026 Loan
5.45%
▼
APR5.45%
Last UpdatedJune 17, 2026
Details
No additional details available.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
2025 to 2027 Models Loan
5.45%
▼
APR5.45%
Last UpdatedJune 17, 2026
Details
Model Year: 2025 to 2027
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
Used Misc. Collateral Loan
5.45%
▼
APR5.45%
Last UpdatedJune 17, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
5.49%
▼
APR5.49%
Last UpdatedJune 17, 2026
Details
Maximum Loan Discount: 0.75%
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX, 78745 2948
37-66 months Loan
5.49%
▼
APR5.49%
Last UpdatedJune 17, 2026
Details
As low as
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX, 78745 2948
6-36 months Loan
5.49%
▼
APR5.49%
Last UpdatedJune 17, 2026
Details
As low as
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Credit Rating A+ 61-72 Months Loan
5.49%
▼
APR5.49%
Last UpdatedJune 17, 2026
Details
No additional details available.
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
Recreational Loan
5.50%
▼
APR5.50%
Last UpdatedJune 17, 2026
Details
No additional details available.
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
2307 W Oak St, Palestine, TX, 75801 4063
Signature Loan Special
5.50%
▼
APR5.50%
Last UpdatedJune 17, 2026
Details
Borrow up to $2,000. June & July 2026.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
2025 to 2027 Loan
5.50%
▼
APR5.50%
Last UpdatedJune 17, 2026
Details
Model Year: 2025 to 2027
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
2023 and newer Loan
5.50%
▼
APR5.50%
Last UpdatedJune 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Other Collateral Loans
5.50%
▼
APR5.50%
Last UpdatedJune 17, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX, 75503
2024 Loan
5.65%
▼
APR5.65%
Last UpdatedJune 17, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX, 75503
2022 Loan
5.65%
▼
APR5.65%
Last UpdatedJune 17, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX, 75503
2023 Loan
5.65%
▼
APR5.65%
Last UpdatedJune 17, 2026
Details
No additional details available.
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
New - 36 months Loan
5.66%
▼
APR5.66%
Last UpdatedJune 17, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX, 78745 2948
67-78 months Loan
5.74%
▼
APR5.74%
Last UpdatedJune 17, 2026
Details
As low as
Gulf Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
5140 W Parkway St, Groves, TX, 77619
Unimproved Land Loan
5.75%
▼
APR5.75%
Last UpdatedJune 17, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
2022 - 1994 Loan
5.75%
▼
APR5.75%
Last UpdatedJune 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2015-2023 - 4 - 5 Years Loan
5.75%
▼
APR5.75%
Last UpdatedJune 17, 2026
Details
Equifax Score: 750+
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX, 76389
REAL ESTATE Loan
5.75%
▼
APR5.75%
Last UpdatedJune 17, 2026
Details
No additional details available.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Post Graduate Consolidation Loan
5.75%
▼
APR5.75%
Last UpdatedJune 17, 2026
Details
As Low As; Up to $150,000
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2024 or Newer - 4 - 5 Years Loan
5.75%
▼
APR5.75%
Last UpdatedJune 17, 2026
Details
Equifax Score: 700-749
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Live Oak, TX, 78233 2416
One-Time Close Construction Loan
5.90%
▼
APR5.90%
Last UpdatedJune 17, 2026
Details
As Low As; More rate info
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
601 OLIVE ST, TEXARKANA, TX, 75501
Title Equity Loan
5.90%
▼
APR5.90%
Last UpdatedJune 17, 2026
Details
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
Balance transfer rate Loan
5.90%
▼
APR5.90%
Last UpdatedJune 17, 2026
Details
No additional details available.
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
3700 N 12th St, McAllen, TX, 78501
25 Years Loan
5.92%
▼
APR5.92%
Last UpdatedJune 17, 2026
Details
MAX
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX, 75503
2024 Loan
5.95%
▼
APR5.95%
Last UpdatedJune 17, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX, 75503
New Recreational Loan
5.95%
▼
APR5.95%
Last UpdatedJune 17, 2026
Details
With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX, 75503
2022 Loan
5.95%
▼
APR5.95%
Last UpdatedJune 17, 2026
Details
No additional details available.
FCI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
2500 Leopard Dr, Texarkana, TX, 75501 7810
New Recreational Loan
5.95%
▼
APR5.95%
Last UpdatedJune 17, 2026
Details
With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX, 75503
2023 Loan
5.95%
▼
APR5.95%
Last UpdatedJune 17, 2026
Details
No additional details available.
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
600 W Ferguson St, Pharr, TX, 78577
2023 Loan
5.99%
▼
APR5.99%
Last UpdatedJune 17, 2026
Details
No additional details available.
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
600 W Ferguson St, Pharr, TX, 78577
2024 Loan
5.99%
▼
APR5.99%
Last UpdatedJune 17, 2026
Details
No additional details available.
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
600 W Ferguson St, Pharr, TX, 78577
2025 Loan
5.99%
▼
APR5.99%
Last UpdatedJune 17, 2026
Details
No additional details available.
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
600 W Ferguson St, Pharr, TX, 78577
2026 Loan
5.99%
▼
APR5.99%
Last UpdatedJune 17, 2026
Details
No additional details available.
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
2101 N Fulton st, Wharton, TX, 77488
Other collateral Loan
5.99%
▼
APR5.99%
Last UpdatedJune 17, 2026
Details
As Low As; Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2015-2023 - 6 Years Loan
5.99%
▼
APR5.99%
Last UpdatedJune 17, 2026
Details
Equifax Score: 750+
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2024 or Newer - 6 Years Loan
5.99%
▼
APR5.99%
Last UpdatedJune 17, 2026
Details
Equifax Score: 700-749
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Lot Loans
5.99%
▼
APR5.99%
Last UpdatedJune 17, 2026
Details
LTV: Up to 70%
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Credit Rating A 0-60 Months Loan
5.99%
▼
APR5.99%
Last UpdatedJune 17, 2026
Details
No additional details available.
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Credit Rating B 0-48 Months Loan
5.99%
▼
APR5.99%
Last UpdatedJune 17, 2026
Details
No additional details available.
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedJune 17, 2026
Details
As Low As
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2601 S John Redditt Dr, Lufkin, TX, 75904 5624
1 - 47 Months Financed Loan
6.00%
▼
APR6.00%
Last UpdatedJune 17, 2026
Details
Tier 1 >700
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Unsecured Financing A+ 0-60 Months
6.00%
▼
APR6.00%
Last UpdatedJune 17, 2026
Details
+2.00% above Share Savings Dividend Rate*
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Unsecured Financing A+ 0-36 Months
6.00%
▼
APR6.00%
Last UpdatedJune 17, 2026
Details
No additional details available.
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Unimproved Property Loan
6.00%
▼
APR6.00%
Last UpdatedJune 17, 2026
Details
As Low As
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
Tractors (84 months or less) Loan
6.00%
▼
APR6.00%
Last UpdatedJune 17, 2026
Details
APR*
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
Credit Builder Loan
6.00%
▼
APR6.00%
Last UpdatedJune 17, 2026
Details
No additional details available.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
2023 and newer Loan
6.00%
▼
APR6.00%
Last UpdatedJune 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3200 S Dairy Ashford Rd, Houston, TX, 77082 2319
VA Loan
6.06%
▼
APR6.06%
Last UpdatedJune 17, 2026
Details
No additional details available.
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
3700 N 12th St, McAllen, TX, 78501
10 Years Loan
6.12%
▼
APR6.12%
Last UpdatedJune 17, 2026
Details
MAX
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
New - 75 months Loan
6.14%
▼
APR6.14%
Last UpdatedJune 17, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
2025 to 2027 Models Loan
6.15%
▼
APR6.15%
Last UpdatedJune 17, 2026
Details
Model Year: 2025 to 2027
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
3700 N 12th St, McAllen, TX, 78501
25 Years Loan
6.17%
▼
APR6.17%
Last UpdatedJune 17, 2026
Details
Maximum loan amount $100,000.00
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
Medical residency loan
6.21%
▼
APR6.21%
Last UpdatedJune 17, 2026
Details
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
3700 N 12th St, McAllen, TX, 78501
25 Years Loan
6.24%
▼
APR6.24%
Last UpdatedJune 17, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
6.24%
▼
APR6.24%
Last UpdatedJune 17, 2026
Details
Maximum Loan Discount: 0.75%
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
2100 Seymour Hwy, Wichita Falls, TX, 76301
New Loan
6.24%
▼
APR6.24%
Last UpdatedJune 17, 2026
Details
Maximum Term: 72 Months**
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3800 Sheppard Access Rd, Wichita Falls, TX, 76306
Recreational Loan
6.24%
▼
APR6.24%
Last UpdatedJune 17, 2026
Details
As Low As*
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2601 S John Redditt Dr, Lufkin, TX, 75904 5624
48 - 59 Months Financed Loan
6.25%
▼
APR6.25%
Last UpdatedJune 17, 2026
Details
Tier 1 >700
DuGood Federal Credit Union
Institution Rating:
F2.8 ★Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
Recreational Loan
6.25%
▼
APR6.25%
Last UpdatedJune 17, 2026
Details
No additional details available.
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX, 76389
Personal Loan
6.25%
▼
APR6.25%
Last UpdatedJune 17, 2026
Details
No additional details available.
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX, 76389
AGRICULTURE Loan
6.25%
▼
APR6.25%
Last UpdatedJune 17, 2026
Details
No additional details available.
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
60 Month Balloon Loan
6.25%
▼
APR6.25%
Last UpdatedJune 17, 2026
Details
As Low As
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2024 or Newer - 7 Years Loan
6.25%
▼
APR6.25%
Last UpdatedJune 17, 2026
Details
Equifax Score: 700-749
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2015-2023 - Up to 3 Years Loan
6.25%
▼
APR6.25%
Last UpdatedJune 17, 2026
Details
Equifax Score: 700-749
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2015-2023 - 7 Years Loan
6.25%
▼
APR6.25%
Last UpdatedJune 17, 2026
Details
Equifax Score: 750+
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Interim Construction Loan
6.25%
▼
APR6.25%
Last UpdatedJune 17, 2026
Details
As Low As; APR= Annual Percentage Rate
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
2023 and newer Loan
6.25%
▼
APR6.25%
Last UpdatedJune 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
2022 - 1994 Loan
6.25%
▼
APR6.25%
Last UpdatedJune 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
10750 Mcdermott Fwy, San Antonio, TX, 78288
VA purchase loan
6.27%
▼
APR6.27%
Last UpdatedJune 17, 2026
Details
No additional details available.
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
3700 N 12th St, McAllen, TX, 78501
10 Years Loan
6.29%
▼
APR6.29%
Last UpdatedJune 17, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX, 75503
2021 Loan
6.30%
▼
APR6.30%
Last UpdatedJune 17, 2026
Details
No additional details available.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
Medical residency loan
6.33%
▼
APR6.33%
Last UpdatedJune 17, 2026
Details
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
3700 N 12th St, McAllen, TX, 78501
10 Years Loan
6.37%
▼
APR6.37%
Last UpdatedJune 17, 2026
Details
Maximum loan amount $50,000.00
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
and over Loan
6.38%
▼
APR6.38%
Last UpdatedJune 17, 2026
Details
$150,000; quoted with 20% down payment
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
Bar exam loan
6.38%
▼
APR6.38%
Last UpdatedJune 17, 2026
Details
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
Dental residency loan
6.38%
▼
APR6.38%
Last UpdatedJune 17, 2026
Details
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX, 75503
Loan
6.45%
▼
APR6.45%
Last UpdatedJune 17, 2026
Details
Up to $10,000; As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX, 78745 2948
79-84 months Loan
6.49%
▼
APR6.49%
Last UpdatedJune 17, 2026
Details
As low as
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Credit Rating A 61-72 Months Loan
6.49%
▼
APR6.49%
Last UpdatedJune 17, 2026
Details
No additional details available.
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Credit Rating A+ 73-84 Months > 30k Loan
6.49%
▼
APR6.49%
Last UpdatedJune 17, 2026
Details
No additional details available.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
10750 Mcdermott Fwy, San Antonio, TX, 78288
VA cash-out refinance loan
6.49%
▼
APR6.49%
Last UpdatedJune 17, 2026
Details
No additional details available.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
Dental residency loan
6.50%
▼
APR6.50%
Last UpdatedJune 17, 2026
Details
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
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Texas Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
209 N CENTER ST, GRAND PRAIRIE, TX, 75050
Personal Loans with Collateral
5.00%
▼
APR5.00%
Last UpdatedJune 17, 2026
Details
A+ rating
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Personal Loans
5.39%
▼
APR5.39%
Last UpdatedJune 17, 2026
Details
No additional details available.
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedJune 17, 2026
Details
As Low As
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX, 76389
Personal Loan
6.25%
▼
APR6.25%
Last UpdatedJune 17, 2026
Details
No additional details available.
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Texas Debt Consolidation Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3200 S Dairy Ashford Rd, Houston, TX, 77082 2319
Debt Consolidation Loan
11.49%
▼
APR11.49%
Last UpdatedJune 17, 2026
Details
No additional details available.
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
Debt Consolidation Loan
12.05%
▼
APR12.05%
Last UpdatedJune 17, 2026
Details
Maximum APR: 18.00%
Covenant Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
2904 E Stan Schlueter loop Bldg A, Killeen, TX, 76542 4813
Debt Consolidation Loans
12.90%
▼
APR12.90%
Last UpdatedJune 17, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
Debt Consolidation Loan
13.05%
▼
APR13.05%
Last UpdatedJune 17, 2026
Details
Maximum APR: 18.00%
Access Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6401 Bell St, Amarillo, TX, 79109
Debt Consolidation Loan
13.99%
▼
APR13.99%
Last UpdatedJune 17, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX, 78264
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedJune 17, 2026
Details
No additional details available.
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Texas Signature Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
2307 W Oak St, Palestine, TX, 75801 4063
Signature Loan Special
5.50%
▼
APR5.50%
Last UpdatedJune 17, 2026
Details
Borrow up to $2,000. June & July 2026.
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Texas Personal Loan Rate Trends
Compare local Texas 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 — TX Avg
10.850%
▲ 0.040 vs 7 days ago
Texas personal loan rates rose 0.040 points over the past 7 days to 10.850% APR.
Signature Loan — TX Avg
12.112%
▼ 0.288 vs 7 days ago
Texas signature loan rates fell 0.288 points over the past 7 days to 12.112% APR.
As of Jun 17, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Texas 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 Texas 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 Texas. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in TX.
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 Texas?
Most lenders in Texas 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 Texas often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Texas 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 Texas?
Yes. Debt consolidation is one of the most common uses of personal loans in Texas. 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 Texas?
Credit unions in Texas 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 Texas?
- City of Deer Park Federal Credit Union: 3.99% (Credit Rating A+ 0-48 Months Loan)
- Delta Community Credit Union: 4.09% (60 months Loan)
- Abilene Teachers Federal Credit Union: 4.25% (Credit Builder Loan)
- Estacado Federal Credit Union FCU: 4.25% (2024 or Newer - Up to 3 Years Loan)
- DuGood Federal Credit Union: 4.25% (Recreational Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 16, 2026.
