Best Personal Loan Rates in Heber City, Utah (UT) - April 2026
Content reviewed by
Brian McKay
i
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 Utah 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 Heber City, Utah include: UTAH COMMUNITYUTAH COMMUNITY875 S Main St, Heber City, UT, 84032 2464C3.8 ★Texas Ratio: 29.46% offering Credit Builder Loan at 6.00% APR, America First Federal Credit UnionAmerica First Federal Credit Union271 W 1300 S, Heber City, UT, 84032A5.0 ★Texas Ratio: 8.12% offering Lot Loan- 20/5YR Balloon Variable at 6.82% APR, Mountain America Federal Credit UnionMountain America Federal Credit Union635 S Main St, Heber City, UT, 84032A5.0 ★Texas Ratio: 11.38% offering Construction loan at 7.25% APR, Bank of UtahBank of Utah620 W 100 S, Heber City, UT, 84032A+5.0 ★Texas Ratio: 0.00% offering Unsecured Loans at 12.74% APR, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR. Personal loan rates as of April 18, 2026 according to verified data from MonitorBankRates.
Heber City has 4 local institutions in our database, with personal loan rates as low as 6.00% APR from UTAH COMMUNITY at 875 S Main St, Heber City, UT, 84032 2464. 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 Heber City, Utah.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Heber City, Utah. 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 18, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
Credit Builder Loan
6.00%
▼
APR6.00%
Last UpdatedApril 19, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
271 W 1300 S, Heber City, UT, 84032
Lot Loan- 20/5YR Balloon Variable
6.82%
▼
APR6.82%
Last UpdatedApril 19, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
271 W 1300 S, Heber City, UT, 84032
Lot Loan- 10 Year Variable
7.01%
▼
APR7.01%
Last UpdatedApril 19, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
271 W 1300 S, Heber City, UT, 84032
Lot Loan- 30/5YR Balloon Variable
7.05%
▼
APR7.05%
Last UpdatedApril 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
UTV Loans
7.24%
▼
APR7.24%
Last UpdatedApril 19, 2026
Details
No additional details available.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
635 S Main St, Heber City, UT, 84032
Construction loan
7.25%
▼
APR7.25%
Last UpdatedApril 19, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
271 W 1300 S, Heber City, UT, 84032
Lot Loan- 20/5YR Balloon Fixed
7.28%
▼
APR7.28%
Last UpdatedApril 19, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
271 W 1300 S, Heber City, UT, 84032
Lot Loan- 10 Year Fixed
7.48%
▼
APR7.48%
Last UpdatedApril 19, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
271 W 1300 S, Heber City, UT, 84032
Lot Loan- 30/5YR Balloon Fixed
7.48%
▼
APR7.48%
Last UpdatedApril 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
UTV Loans
7.49%
▼
APR7.49%
Last UpdatedApril 19, 2026
Details
No additional details available.
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
UTV Loans
7.74%
▼
APR7.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
UTV Loans Older Models
7.74%
▼
APR7.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
UTV Loans
7.99%
▼
APR7.99%
Last UpdatedApril 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
UTV Loans Older Models
7.99%
▼
APR7.99%
Last UpdatedApril 19, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
271 W 1300 S, Heber City, UT, 84032
Renovation Loan
9.31%
▼
APR9.31%
Last UpdatedApril 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
Personal Loans 3 Years / 36 Months
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
Personal Loans 4 Years / 48 Months
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
Personal Loans 2 Years / 24 Months
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
Personal Loans 1 Year / 12 Months
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
Personal Loans 4 Years / 48 Months
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
Personal Loans 1 Year / 12 Months
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
Personal Loans 3 Years / 36 Months
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
Personal Loans 2 Years / 24 Months
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
271 W 1300 S, Heber City, UT, 84032
PERSONAL
12.49%
▼
APR12.49%
Last UpdatedApril 19, 2026
Details
As Low As; Fixed
Bank of Utah
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
620 W 100 S, Heber City, UT, 84032
Unsecured Loans
12.74%
▼
APR12.74%
Last UpdatedApril 19, 2026
Details
48 MO
APR4.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR4.64%
Last UpdatedApril 19, 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 19, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Lot Loan Special 1-year balloon
5.90%
▼
APR5.90%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR5.97%
Last UpdatedApril 19, 2026
Details
As Low As
Alpine Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
New Construction Loans
5.99%
▼
APR5.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Residential Construction Loans
6.25%
▼
APR6.25%
Last UpdatedApril 19, 2026
Details
Starting at
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Construction Loan
6.25%
▼
APR6.25%
Last UpdatedApril 19, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
One-Time Close Construction Loan
6.40%
▼
APR6.40%
Last UpdatedApril 19, 2026
Details
No additional details available.
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Construction Loans Two time close
6.50%
▼
APR6.50%
Last UpdatedApril 19, 2026
Details
As Low As
APR6.50%
Last UpdatedApril 19, 2026
Details
As Low As
APR6.50%
Last UpdatedApril 19, 2026
Details
As Low As; Two time close
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Construction Loans Two time close
6.50%
▼
APR6.50%
Last UpdatedApril 19, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Improved Lot Loans
6.50%
▼
APR6.50%
Last UpdatedApril 19, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Construction & Lot Loan Construction < 12 months
6.53%
▼
APR6.53%
Last UpdatedApril 19, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Construction Loan
6.53%
▼
APR6.53%
Last UpdatedApril 19, 2026
Details
Loan Term < 12 months; LTV 80%
APR6.53%
Last UpdatedApril 19, 2026
Details
As Low As
APR6.53%
Last UpdatedApril 19, 2026
Details
As Low As
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
Construction Loan
6.62%
▼
APR6.62%
Last UpdatedApril 19, 2026
Details
No additional details available.
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
Construction Loans
6.62%
▼
APR6.62%
Last UpdatedApril 19, 2026
Details
Start Building your Tomorrow Now
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Construction Loans One time close
6.63%
▼
APR6.63%
Last UpdatedApril 19, 2026
Details
As Low As
APR6.63%
Last UpdatedApril 19, 2026
Details
As Low As; One time close
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Construction Loans One time close
6.63%
▼
APR6.63%
Last UpdatedApril 19, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Holiday Loan - Closed End Fixed APR as low as
6.74%
▼
APR6.74%
Last UpdatedApril 19, 2026
Details
As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Improved Lot Loans
6.99%
▼
APR6.99%
Last UpdatedApril 19, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 19, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 19, 2026
Details
As Low As
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Other Collateral Loans
7.00%
▼
APR7.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Lot Loan (Improved)
7.00%
▼
APR7.00%
Last UpdatedApril 19, 2026
Details
As Low As
Kings Peak Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
Recreational Loan
7.24%
▼
APR7.24%
Last UpdatedApril 19, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Construction & Lot Loan 30/5 balloon lot loan
7.25%
▼
APR7.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Construction & Lot Loan 30/2 balloon lot loan
7.25%
▼
APR7.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
30/5 balloon lot loan
7.25%
▼
APR7.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
30/2 balloon lot loan
7.25%
▼
APR7.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Building Lot Loans
7.49%
▼
APR7.49%
Last UpdatedApril 19, 2026
Details
No additional details available.
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Other Collateral Loans
7.50%
▼
APR7.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
LOCOGA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
7.50%
▼
APR7.50%
Last UpdatedApril 19, 2026
Details
As Low As; *Percentage rate depends on your Beacon Score and can increase depending on this score.
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Construction Loan
7.69%
▼
APR7.69%
Last UpdatedApril 19, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
10 year lot loan
7.75%
▼
APR7.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
10-year lot loan
7.75%
▼
APR7.75%
Last UpdatedApril 19, 2026
Details
LTV 75%
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Construction & Lot Loan 10 year lot loan
7.75%
▼
APR7.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Construction Loan
7.75%
▼
APR7.75%
Last UpdatedApril 19, 2026
Details
As Low As
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedApril 19, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
APR7.99%
Last UpdatedApril 19, 2026
Details
As Low As
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 19, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
12-month Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR8.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Personal Loans max**
8.24%
▼
APR8.24%
Last UpdatedApril 19, 2026
Details
$20,000
APR8.24%
Last UpdatedApril 19, 2026
Details
As Low As
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedApril 19, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Signature Loan
8.25%
▼
APR8.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Personal Loan
8.25%
▼
APR8.25%
Last UpdatedApril 19, 2026
Details
As Low As
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Personal Loans max**
8.49%
▼
APR8.49%
Last UpdatedApril 19, 2026
Details
$20,000
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Lot Loan (Unimproved)
8.50%
▼
APR8.50%
Last UpdatedApril 19, 2026
Details
As Low As
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Personal Loans max**
8.74%
▼
APR8.74%
Last UpdatedApril 19, 2026
Details
$20,000
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Holiday Loan 12-month
8.74%
▼
APR8.74%
Last UpdatedApril 19, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 19, 2026
Details
As Low As
APR8.95%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 19, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Adventure Loan
8.99%
▼
APR8.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Holiday Loan 24-month
8.99%
▼
APR8.99%
Last UpdatedApril 19, 2026
Details
As Low As
Newell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 19, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedApril 19, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 19, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Personal Loan Holiday/Vacation
9.25%
▼
APR9.25%
Last UpdatedApril 19, 2026
Details
Up to $5,000.00
Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Premier Signature
9.25%
▼
APR9.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Personal Signature Loan - Closed Fixed APR as low as
9.49%
▼
APR9.49%
Last UpdatedApril 19, 2026
Details
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bill Consolidation Loan - Closed End Fixed APR as low as
9.49%
▼
APR9.49%
Last UpdatedApril 19, 2026
Details
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
9.49%
▼
APR9.49%
Last UpdatedApril 19, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Gibbons and Reed Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Unsecured
9.50%
▼
APR9.50%
Last UpdatedApril 19, 2026
Details
OAC
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 19, 2026
Details
As Low As
APR9.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR9.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
As Low As
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR10.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
10.24%
▼
APR10.24%
Last UpdatedApril 19, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
APR10.24%
Last UpdatedApril 19, 2026
Details
No additional details available.
Orem City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
Other Loans
10.25%
▼
APR10.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
Signature Loans
10.25%
▼
APR10.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR10.29%
Last UpdatedApril 19, 2026
Details
APR as low as:
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Personal / Signature / Consolidation Loan
10.49%
▼
APR10.49%
Last UpdatedApril 19, 2026
Details
As Low As
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
Signature Loans
10.50%
▼
APR10.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Signature
10.74%
▼
APR10.74%
Last UpdatedApril 19, 2026
Details
As Low As
APR10.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR10.95%
Last UpdatedApril 19, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 12-month
10.99%
▼
APR10.99%
Last UpdatedApril 19, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 24-month
11.24%
▼
APR11.24%
Last UpdatedApril 19, 2026
Details
As Low As
APR11.24%
Last UpdatedApril 19, 2026
Details
No additional details available.
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
11.49%
▼
APR11.49%
Last UpdatedApril 19, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
Signature Loan
11.49%
▼
APR11.49%
Last UpdatedApril 19, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
Signature Loans
11.49%
▼
APR11.49%
Last UpdatedApril 19, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 36-month
11.49%
▼
APR11.49%
Last UpdatedApril 19, 2026
Details
As Low As
APR11.50%
Last UpdatedApril 19, 2026
Details
As Low As
Logan Cache Rich Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Personal Loans
11.50%
▼
APR11.50%
Last UpdatedApril 19, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
APR11.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan 12 months
11.74%
▼
APR11.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR11.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 48-month
11.74%
▼
APR11.74%
Last UpdatedApril 19, 2026
Details
As Low As
APR11.99%
Last UpdatedApril 19, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 60-month
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
As Low As
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
Signature Loan
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
As Low As
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Personal Signature Loan
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR12.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Personal Loan
12.24%
▼
APR12.24%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR12.24%
Last UpdatedApril 19, 2026
Details
As Low As
APR12.49%
Last UpdatedApril 19, 2026
Details
As Low As
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Unsecured (Signature Loans)
12.49%
▼
APR12.49%
Last UpdatedApril 19, 2026
Details
As Low As
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 19, 2026
Details
No additional details available.
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Unsecured (Signature Loans)
12.49%
▼
APR12.49%
Last UpdatedApril 19, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
12.74%
▼
APR12.74%
Last UpdatedApril 19, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
12.74%
▼
APR12.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan 36 months
12.74%
▼
APR12.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
12.74%
▼
APR12.74%
Last UpdatedApril 19, 2026
Details
A+ >740
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Personal Loan
12.74%
▼
APR12.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
Unsecured Personal Loans
12.75%
▼
APR12.75%
Last UpdatedApril 19, 2026
Details
*Maximum loan amount: $5,000
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
12.75%
▼
APR12.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR12.90%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR12.95%
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
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
Personal Loans 1 Year / 12 Months
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
Personal Loans 2 Years / 24 Months
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
Personal Loans 3 Years / 36 Months
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
Personal Loans 4 Years / 48 Months
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
Personal Loans 1 Year / 12 Months
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
Personal Loans 2 Years / 24 Months
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
Personal Loans 3 Years / 36 Months
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
UTAH COMMUNITY
Institution Rating:
C3.8 ★Texas Ratio: 29.46%
875 S Main St, Heber City, UT, 84032 2464
Personal Loans 4 Years / 48 Months
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
APR6.53%
Last UpdatedApril 19, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 19, 2026
Details
As Low As
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedApril 19, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Steuben Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 19, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
12-month Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR8.24%
Last UpdatedApril 19, 2026
Details
As Low As
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedApril 19, 2026
Details
As Low As
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Personal Loans max**
8.24%
▼
APR8.24%
Last UpdatedApril 19, 2026
Details
$20,000
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Personal Loan
8.25%
▼
APR8.25%
Last UpdatedApril 19, 2026
Details
As Low As
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Personal Loans max**
8.49%
▼
APR8.49%
Last UpdatedApril 19, 2026
Details
$20,000
West Branch Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
Personal Loans max**
8.74%
▼
APR8.74%
Last UpdatedApril 19, 2026
Details
$20,000
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedApril 19, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedApril 19, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedApril 19, 2026
Details
As Low As
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
Personal Loan Holiday/Vacation
9.25%
▼
APR9.25%
Last UpdatedApril 19, 2026
Details
Up to $5,000.00
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 19, 2026
Details
As Low As
APR9.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Delta Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Personal Loans
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
As Low As
APR10.24%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR10.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR11.24%
Last UpdatedApril 19, 2026
Details
No additional details available.
Logan Cache Rich Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Personal Loans
11.50%
▼
APR11.50%
Last UpdatedApril 19, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
APR11.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan 12 months
11.74%
▼
APR11.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR11.99%
Last UpdatedApril 19, 2026
Details
As Low As
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Personal Loan
12.24%
▼
APR12.24%
Last UpdatedApril 19, 2026
Details
No additional details available.
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR12.49%
Last UpdatedApril 19, 2026
Details
As Low As
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
12.74%
▼
APR12.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan 36 months
12.74%
▼
APR12.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Personal Loan
12.74%
▼
APR12.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
North Bay Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 73.10%
Unsecured Personal Loans
12.75%
▼
APR12.75%
Last UpdatedApril 19, 2026
Details
*Maximum loan amount: $5,000
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
APR6.53%
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
LOCOGA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
7.50%
▼
APR7.50%
Last UpdatedApril 19, 2026
Details
As Low As; *Percentage rate depends on your Beacon Score and can increase depending on this score.
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Signature Loan
8.25%
▼
APR8.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR8.99%
Last UpdatedApril 19, 2026
Details
As Low As
Newell Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 19, 2026
Details
As Low As
Desertview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Premier Signature
9.25%
▼
APR9.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
9.49%
▼
APR9.49%
Last UpdatedApril 19, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Personal Signature Loan - Closed Fixed APR as low as
9.49%
▼
APR9.49%
Last UpdatedApril 19, 2026
Details
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
APR9.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Education 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
10.24%
▼
APR10.24%
Last UpdatedApril 19, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
Signature Loans
10.25%
▼
APR10.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR10.29%
Last UpdatedApril 19, 2026
Details
APR as low as:
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Personal / Signature / Consolidation Loan
10.49%
▼
APR10.49%
Last UpdatedApril 19, 2026
Details
As Low As
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
Signature Loans
10.50%
▼
APR10.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
Eastern Utah Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Signature
10.74%
▼
APR10.74%
Last UpdatedApril 19, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 12-month
10.99%
▼
APR10.99%
Last UpdatedApril 19, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 24-month
11.24%
▼
APR11.24%
Last UpdatedApril 19, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
11.49%
▼
APR11.49%
Last UpdatedApril 19, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
Signature Loan
11.49%
▼
APR11.49%
Last UpdatedApril 19, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
Signature Loans
11.49%
▼
APR11.49%
Last UpdatedApril 19, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 36-month
11.49%
▼
APR11.49%
Last UpdatedApril 19, 2026
Details
As Low As
APR11.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 48-month
11.74%
▼
APR11.74%
Last UpdatedApril 19, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
Signature Loan 60-month
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
As Low As
Pacific Horizon Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.08%
Signature Loan
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
As Low As
Wasatch Peaks Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Personal Signature Loan
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR12.24%
Last UpdatedApril 19, 2026
Details
As Low As
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
Unsecured (Signature Loans)
12.49%
▼
APR12.49%
Last UpdatedApril 19, 2026
Details
As Low As
Nebo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Unsecured (Signature Loans)
12.49%
▼
APR12.49%
Last UpdatedApril 19, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Signature Loans
12.74%
▼
APR12.74%
Last UpdatedApril 19, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Desert Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.83%
Signature/Lifestyle Loans
12.74%
▼
APR12.74%
Last UpdatedApril 19, 2026
Details
A+ >740
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
Signature Loan
12.75%
▼
APR12.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR12.90%
Last UpdatedApril 19, 2026
Details
No additional details available.
Powered by
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No home improvement personal loan rates found in Heber City, UT currently.
Heber City, UT Personal Loan Rate Trends
Compare local Heber City, UT 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 — UT Avg
11.038%
▼ 0.999 vs 7 days ago
Utah personal loan rates fell 0.999 points over the past 7 days to 11.038% APR.
Signature Loan — UT Avg
12.315%
▲ 0.106 vs 7 days ago
Utah signature loan rates rose 0.106 points over the past 7 days to 12.315% APR.
As of Apr 19, 2026 • Rate data sourced from 8,500+ monitored institutions
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Frequently Asked Questions
What credit score do I need for a personal loan in Utah?
Most lenders in Heber City, Utah 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 Utah often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Heber City, Utah 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 Utah?
Yes. Debt consolidation is one of the most common uses of personal loans in Heber City, Utah. 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 Heber City, Utah?
Credit unions in Heber City, Utah 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 Heber City, Utah?
- UTAH COMMUNITY: 6.00% (Credit Builder Loan)
- America First Federal Credit Union: 6.82% (Lot Loan- 20/5YR Balloon Variable)
- Mountain America Federal Credit Union: 7.25% (Construction loan)
- Bank of Utah: 12.74% (Unsecured Loans)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Heber City, Utah. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 18, 2026.
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