Best Personal Loan Rates in West Virginia - July 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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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 West Virginia 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 West Virginia include: Long Reach Federal Credit UnionLong Reach Federal Credit Union10767 Energy Hwy, Friendly, WV, 26146 7512A+5.0 ★Texas Ratio: 4.35% offering 24 Months APR* Loan at 3.99% APR, Chessie Federal Credit UnionChessie Federal Credit Union1015 Florida Ave, Keyser, WV, 26726A+5.0 ★Texas Ratio: 5.62% offering Lot Loans at 4.75% APR, West Virginia Central Federal Credit UnionWest Virginia Central Federal Credit Union809 Division St, Parkersburg, WV, 26101 6048A+5.0 ★Texas Ratio: 2.47% offering Miscellaneous Equipment Loans at 4.75% APR, Alloy Federal Credit UnionAlloy Federal Credit Union515 Hinkle Rd, Fayetteville, WV, 25840 6903A+5.0 ★Texas Ratio: 5.29% offering 84 Mo Loan at 4.75% APR, and Ohio County Public Schools Federal Credit UnionOhio County Public Schools Federal Credit Union280 FULTON ST, WHEELING, WV, 26003A+5.0 ★Texas Ratio: 0.00% offering Back to School Loan at 5.00% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across West Virginia side-by-side. West Virginia personal loan rates currently start as low as 3.99% APR from Long Reach Federal Credit Union at 10767 Energy Hwy, Friendly, WV, 26146 7512. 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 West Virginia.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in West Virginia. 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: July 6, 2026
West Virginia Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
24 Months APR* Loan
3.99%
▼
APR3.99%
Last UpdatedJuly 6, 2026
Details
Score: 730 +; Grade of Paper: Platinum
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
36 Months APR* Loan
3.99%
▼
APR3.99%
Last UpdatedJuly 6, 2026
Details
Score: 730 +; Grade of Paper: Platinum
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
48 Months APR* Loan
3.99%
▼
APR3.99%
Last UpdatedJuly 6, 2026
Details
Score: 730 +; Grade of Paper: Platinum
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
60 Months APR* Loan
4.50%
▼
APR4.50%
Last UpdatedJuly 6, 2026
Details
Score: 730 +; Grade of Paper: Platinum
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
72 Months APR* Loan
4.75%
▼
APR4.75%
Last UpdatedJuly 6, 2026
Details
Score: 730 +; Grade of Paper: Platinum
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
48 Months APR* Loan
4.75%
▼
APR4.75%
Last UpdatedJuly 6, 2026
Details
Score: 640 - 679; Grade of Paper: B
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
36 Months APR* Loan
4.75%
▼
APR4.75%
Last UpdatedJuly 6, 2026
Details
Score: 640 - 679; Grade of Paper: B
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
24 Months APR* Loan
4.75%
▼
APR4.75%
Last UpdatedJuly 6, 2026
Details
Score: 640 - 679; Grade of Paper: B
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
1015 Florida Ave, Keyser, WV, 26726
Lot Loans
4.75%
▼
APR4.75%
Last UpdatedJuly 6, 2026
Details
As Low As; Competitive rates for many short-term or one-time needs!
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
809 Division St, Parkersburg, WV, 26101 6048
Miscellaneous Equipment Loans
4.75%
▼
APR4.75%
Last UpdatedJuly 6, 2026
Details
Annual percentage rates may be as low as*
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
515 Hinkle Rd, Fayetteville, WV, 25840 6903
84 Mo Loan
4.75%
▼
APR4.75%
Last UpdatedJuly 6, 2026
Details
Credit Score: A
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
60 Months APR* Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 6, 2026
Details
Score: 640 - 679; Grade of Paper: B
Ohio County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
280 FULTON ST, WHEELING, WV, 26003
Back to School Loan
5.00%
▼
APR5.00%
Last UpdatedJuly 6, 2026
Details
Beginning July 1 through September 30
Ohio County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
280 FULTON ST, WHEELING, WV, 26003
Labor and Leisure Loan
5.00%
▼
APR5.00%
Last UpdatedJuly 6, 2026
Details
Interest Rate may vary depending on ones credit worthiness and term of loan.
Ohio County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
280 FULTON ST, WHEELING, WV, 26003
Vacation Loan
5.00%
▼
APR5.00%
Last UpdatedJuly 6, 2026
Details
Available all year
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
809 Division St, Parkersburg, WV, 26101 6048
Miscellaneous Equipment Loans
5.00%
▼
APR5.00%
Last UpdatedJuly 6, 2026
Details
Annual percentage rates may be as low as*
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
3316 MAIN St, WEIRTON, WV, 26062 4704
Tax Loan
5.00%
▼
APR5.00%
Last UpdatedJuly 6, 2026
Details
Loan Amount: $5,000; Payment Per Month: $149.89; Total Repayment: $5,395.74
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
419 1st Ave S, Nitro, WV, 25143 2313
New PWC Loan
5.15%
▼
APR5.15%
Last UpdatedJuly 6, 2026
Details
Peoples Preferred Club & Pre-Approval; As Low As
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
72 Months APR* Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 6, 2026
Details
Score: 640 - 679; Grade of Paper: B
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
419 1st Ave S, Nitro, WV, 25143 2313
New PWC Loan
5.40%
▼
APR5.40%
Last UpdatedJuly 6, 2026
Details
Peoples Preferred Club; As Low As
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
419 1st Ave S, Nitro, WV, 25143 2313
Used PWC Loan
5.40%
▼
APR5.40%
Last UpdatedJuly 6, 2026
Details
Peoples Preferred Club & Pre-Approval; As Low As
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
809 Division St, Parkersburg, WV, 26101 6048
Miscellaneous Equipment Loans
5.50%
▼
APR5.50%
Last UpdatedJuly 6, 2026
Details
Annual percentage rates may be as low as*
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
84 Months APR* Loan
5.50%
▼
APR5.50%
Last UpdatedJuly 6, 2026
Details
Score: 730 +; Grade of Paper: Platinum
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
419 1st Ave S, Nitro, WV, 25143 2313
Used PWC Loan
5.65%
▼
APR5.65%
Last UpdatedJuly 6, 2026
Details
Peoples Preferred Club; As Low As
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
84 Months APR* Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 6, 2026
Details
Score: 680 - 729; Grade of Paper: A
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
419 1st Ave S, Nitro, WV, 25143 2313
New PWC Loan
5.90%
▼
APR5.90%
Last UpdatedJuly 6, 2026
Details
As Low As
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
515 Hinkle Rd, Fayetteville, WV, 25840 6903
84 Mo Loan
5.90%
▼
APR5.90%
Last UpdatedJuly 6, 2026
Details
Credit Score: B
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
24 Months APR* Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 6, 2026
Details
Score: 600 - 639; Grade of Paper: C
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
36 Months APR* Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 6, 2026
Details
Score: 600 - 639; Grade of Paper: C
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
48 Months APR* Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 6, 2026
Details
Score: 600 - 639; Grade of Paper: C
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
60 Months APR* Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 6, 2026
Details
Score: 600 - 639; Grade of Paper: C
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
84 Months APR* Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 6, 2026
Details
Score: 640 - 679; Grade of Paper: B
Hope Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
925 White Oaks Blvd, Bridgeport, WV, 26330
Outdoor Power Equipment Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
419 1st Ave S, Nitro, WV, 25143 2313
Used PWC Loan
6.15%
▼
APR6.15%
Last UpdatedJuly 6, 2026
Details
As Low As
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
72 Months APR* Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 6, 2026
Details
Score: 600 - 639; Grade of Paper: C
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 6, 2026
Details
As Low As; Loan Amount: $500 - $25,000
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1122 US Highway 220 N, Moorefield, WV, 26836
Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 6, 2026
Details
As Low As; APR
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 21.20%
901 6th Ave, Huntington, WV, 25701
Signature/Unsecured Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Main Street Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
2001 Main St Ste 100, Wheeling, WV, 26003
80% maximum LTV Loan
6.58%
▼
APR6.58%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Main Street Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
2001 Main St Ste 100, Wheeling, WV, 26003
Model Year 2025 (never been titled) Loan
6.64%
▼
APR6.64%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Main Street Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
2001 Main St Ste 100, Wheeling, WV, 26003
Model Years 2025 - 2016 Loan
6.69%
▼
APR6.69%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
515 Hinkle Rd, Fayetteville, WV, 25840 6903
600-639 Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 6, 2026
Details
C
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1122 US Highway 220 N, Moorefield, WV, 26836
Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 6, 2026
Details
As Low As; APR
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1122 US Highway 220 N, Moorefield, WV, 26836
Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 6, 2026
Details
As Low As; APR
Main Street Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
2001 Main St Ste 100, Wheeling, WV, 26003
Prime Rate Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 6, 2026
Details
No additional details available.
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
801 Ann St, Parkersburg, WV, 26101
Summer Loan Special
7.00%
▼
APR7.00%
Last UpdatedJuly 6, 2026
Details
A&B TIER APPROX. 300.00
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
515 Hinkle Rd, Fayetteville, WV, 25840 6903
600-639 Loan
7.12%
▼
APR7.12%
Last UpdatedJuly 6, 2026
Details
C
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
515 Hinkle Rd, Fayetteville, WV, 25840 6903
600-639 Loan
7.24%
▼
APR7.24%
Last UpdatedJuly 6, 2026
Details
C
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1122 US Highway 220 N, Moorefield, WV, 26836
Loan
7.24%
▼
APR7.24%
Last UpdatedJuly 6, 2026
Details
As Low As; APR
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 21.20%
901 6th Ave, Huntington, WV, 25701
Signature/Unsecured Loan
7.25%
▼
APR7.25%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1122 US Highway 220 N, Moorefield, WV, 26836
Loan
7.25%
▼
APR7.25%
Last UpdatedJuly 6, 2026
Details
As Low As; APR
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
84 Months APR* Loan
7.25%
▼
APR7.25%
Last UpdatedJuly 6, 2026
Details
Score: 600 - 639; Grade of Paper: C
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
500 Virginia Ave, Huntington, WV, 25701
Personal Property Loans
7.49%
▼
APR7.49%
Last UpdatedJuly 6, 2026
Details
As Low As;*
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1122 US Highway 220 N, Moorefield, WV, 26836
60 months Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 6, 2026
Details
As Low As; 7.49% APR
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1122 US Highway 220 N, Moorefield, WV, 26836
36 months Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 6, 2026
Details
As Low As; 7.49% APR
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
515 Hinkle Rd, Fayetteville, WV, 25840 6903
600-639 Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 6, 2026
Details
C
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1122 US Highway 220 N, Moorefield, WV, 26836
24 months Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 6, 2026
Details
As Low As; 7.49% APR
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1122 US Highway 220 N, Moorefield, WV, 26836
Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 6, 2026
Details
As Low As; APR
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1122 US Highway 220 N, Moorefield, WV, 26836
84 months Loan
7.74%
▼
APR7.74%
Last UpdatedJuly 6, 2026
Details
As Low As; 7.74% APR
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 21.20%
901 6th Ave, Huntington, WV, 25701
Signature/Unsecured Loan
7.75%
▼
APR7.75%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
515 Hinkle Rd, Fayetteville, WV, 25840 6903
600-639 Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 6, 2026
Details
C
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
201 Ohio Ave, Charleston, WV, 25302 2209
Vacation Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 6, 2026
Details
Borrow up to $2,500. Loans are subject to credit approval.
Metro Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.73%
215 18th St, Huntington, WV, 25703
Unsecured Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 6, 2026
Details
APR* as low as; **
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 6, 2026
Details
Loan Amount: $500+
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
317 31st ST, Huntington, WV, 25702 1417
Vacation Lending Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 6, 2026
Details
Rates may be as low as 8.0%* for 12 months
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
801 Ann St, Parkersburg, WV, 26101
Summer Loan Special
8.00%
▼
APR8.00%
Last UpdatedJuly 6, 2026
Details
C ,D,E TIER PAYMENT APPROX. $205.00
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1122 US Highway 220 N, Moorefield, WV, 26836
Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 6, 2026
Details
As Low As; APR
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedJuly 6, 2026
Details
Loan Amount: $2,500+
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
809 Division St, Parkersburg, WV, 26101 6048
90 day note Loan
8.30%
▼
APR8.30%
Last UpdatedJuly 6, 2026
Details
As Low As
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
809 Division St, Parkersburg, WV, 26101 6048
Personal Loans
8.30%
▼
APR8.30%
Last UpdatedJuly 6, 2026
Details
Annual percentage rates may be as low as*
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 GM Access Rd, Martinsburg, WV, 25403
Vacation Loan
8.40%
▼
APR8.40%
Last UpdatedJuly 6, 2026
Details
No additional details available.
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
500 Virginia Ave, Huntington, WV, 25701
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedJuly 6, 2026
Details
As Low As; Your signature is the only security required. Use personal loans for bill consolidation, appliances, vacations, car repairs, weddings, medical bills or anything you need. We offer financing up to 60 months. The Credit Union offers debt protection coverage.
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
500 Virginia Ave, Huntington, WV, 25701
Term Loans
8.49%
▼
APR8.49%
Last UpdatedJuly 6, 2026
Details
As Low As; *
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Personal Loan
8.49%
▼
APR8.49%
Last UpdatedJuly 6, 2026
Details
Loan Amount: $3,000+
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 21.20%
901 6th Ave, Huntington, WV, 25701
Signature/Unsecured Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
Platinum Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 6, 2026
Details
Score: 730 +
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
809 Division St, Parkersburg, WV, 26101 6048
Personal Loans
8.80%
▼
APR8.80%
Last UpdatedJuly 6, 2026
Details
Annual percentage rates may be as low as*
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 GM Access Rd, Martinsburg, WV, 25403
Signature Loan
8.90%
▼
APR8.90%
Last UpdatedJuly 6, 2026
Details
As low as; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedJuly 6, 2026
Details
As Low As; Loan Amount: $500-$40,000
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
515 Hinkle Rd, Fayetteville, WV, 25840 6903
84 Mo Loan
8.95%
▼
APR8.95%
Last UpdatedJuly 6, 2026
Details
Credit Score: A
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedJuly 6, 2026
Details
Loan Amount: $5,000+
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
1500 Maccorkle Ave SE, Charleston, WV, 25396
Unsecured Signature Loans
8.99%
▼
APR8.99%
Last UpdatedJuly 6, 2026
Details
UP TO $10,000.00
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
317 31st ST, Huntington, WV, 25702 1417
Computer Loan
9.00%
▼
APR9.00%
Last UpdatedJuly 6, 2026
Details
Rates may be as low as 9.0% * for 36 months
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
24 Months APR* Loan
9.00%
▼
APR9.00%
Last UpdatedJuly 6, 2026
Details
Score: 550 - 599; Grade of Paper: D
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV, 26041 1605
Vacation & Holiday Loans
9.00%
▼
APR9.00%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
401 S Queen St Trlr 1A, Martinsburg, WV, 25401 3233
Unsecured Loan A+ Credit Score above 740
9.00%
▼
APR9.00%
Last UpdatedJuly 6, 2026
Details
up to $20,000.00; Fixed
Martinsburg VA Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2971 Charles Town Rd, Kearneysville, WV, 25430
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedJuly 6, 2026
Details
As Low As; Rates effective as of 1/1/2025.
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 GM Access Rd, Martinsburg, WV, 25403
Unimproved Land 60 months Loan
9.10%
▼
APR9.10%
Last UpdatedJuly 6, 2026
Details
80% LTV
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV, 26104
Personal Loan
9.15%
▼
APR9.15%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
36 Months APR* Loan
9.25%
▼
APR9.25%
Last UpdatedJuly 6, 2026
Details
Score: 550 - 599; Grade of Paper: D
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
48 Months APR* Loan
9.25%
▼
APR9.25%
Last UpdatedJuly 6, 2026
Details
Score: 550 - 599; Grade of Paper: D
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
809 Division St, Parkersburg, WV, 26101 6048
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedJuly 6, 2026
Details
Annual percentage rates may be as low as*
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedJuly 6, 2026
Details
Loan Amount: $5,000+
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
72 Months APR* Loan
9.50%
▼
APR9.50%
Last UpdatedJuly 6, 2026
Details
Score: 550 - 599; Grade of Paper: D
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
401 S Queen St Trlr 1A, Martinsburg, WV, 25401 3233
Unsecured Loan A Credit Score 700-739
9.50%
▼
APR9.50%
Last UpdatedJuly 6, 2026
Details
up to $15,000.00; Fixed
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
60 Months APR* Loan
9.50%
▼
APR9.50%
Last UpdatedJuly 6, 2026
Details
Score: 550 - 599; Grade of Paper: D
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
201 Ohio Ave, Charleston, WV, 25302 2209
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedJuly 6, 2026
Details
Minimum Loan $500.00; As Low As
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
419 1st Ave S, Nitro, WV, 25143 2313
Signature Loan
9.55%
▼
APR9.55%
Last UpdatedJuly 6, 2026
Details
As Low As
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 GM Access Rd, Martinsburg, WV, 25403
Unimproved Land 120 months Loan
9.60%
▼
APR9.60%
Last UpdatedJuly 6, 2026
Details
80% LTV
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV, 26104
Personal Loan
9.70%
▼
APR9.70%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
1500 Maccorkle Ave SE, Charleston, WV, 25396
Closed End Loan
9.74%
▼
APR9.74%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
502 Grand Central Ave, Vienna, WV, 26105
Signature Loans
9.75%
▼
APR9.75%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
A Loan
9.75%
▼
APR9.75%
Last UpdatedJuly 6, 2026
Details
Score: 680 - 729
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
809 Division St, Parkersburg, WV, 26101 6048
Personal Loans
9.80%
▼
APR9.80%
Last UpdatedJuly 6, 2026
Details
Annual percentage rates may be as low as*
Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.31%
901 Market St, Wheeling, WV, 26003 2918
Worthy Member Loan
9.90%
▼
APR9.90%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Huntingtonized Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
481 8th Ave W, Huntington, WV, 25701
Personal Loan
9.90%
▼
APR9.90%
Last UpdatedJuly 6, 2026
Details
As Low As
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
515 Hinkle Rd, Fayetteville, WV, 25840 6903
Platinum Loan
9.95%
▼
APR9.95%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
515 Hinkle Rd, Fayetteville, WV, 25840 6903
Unsecured Loans
9.95%
▼
APR9.95%
Last UpdatedJuly 6, 2026
Details
Range: 730+; Grade Of Paper: Platinum
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
555 W Main St, Romney, WV, 26757 1532
Signature / Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 6, 2026
Details
As Low As
Romney Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
62 W Main St, Romney, WV, 26757 1638
Personal loans
9.99%
▼
APR9.99%
Last UpdatedJuly 6, 2026
Details
Starting at; up to $7,500
Home Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
131 W Pike St, Clarksburg, WV, 26301
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 6, 2026
Details
Rate as low as; Interest rate will be based on credit score. Terms will be based on the dollar amount financed. Loan subject to credit approval.
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
317 31st ST, Huntington, WV, 25702 1417
Personal Lending Loan
10.00%
▼
APR10.00%
Last UpdatedJuly 6, 2026
Details
Rates may be as low as 10% *
Hope Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
925 White Oaks Blvd, Bridgeport, WV, 26330
Co-signer Loan
10.00%
▼
APR10.00%
Last UpdatedJuly 6, 2026
Details
Maximum $20,000
Hope Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
925 White Oaks Blvd, Bridgeport, WV, 26330
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedJuly 6, 2026
Details
Maximum $10,000
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
801 Ann St, Parkersburg, WV, 26101
Signature Loans
10.00%
▼
APR10.00%
Last UpdatedJuly 6, 2026
Details
Eligibility is based on the fair issac credit score: Over 780. Loans will only be refinanced two times. Then loans must be paid down to 50% of the original loan payment (Effective: 9/24/01)
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 GM Access Rd, Martinsburg, WV, 25403
Unimproved Land 180 months Loan
10.09%
▼
APR10.09%
Last UpdatedJuly 6, 2026
Details
80% LTV
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV, 26041 1605
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 21.20%
901 6th Ave, Huntington, WV, 25701
Signature/Unsecured Loan
10.25%
▼
APR10.25%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 GM Access Rd, Martinsburg, WV, 25403
Vacation Loan
10.40%
▼
APR10.40%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
1015 Florida Ave, Keyser, WV, 26726
Signature Loans
10.49%
▼
APR10.49%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
555 W Main St, Romney, WV, 26757 1532
Signature / Personal Loan
10.49%
▼
APR10.49%
Last UpdatedJuly 6, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1122 US Highway 220 N, Moorefield, WV, 26836
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
84 Months APR* Loan
10.50%
▼
APR10.50%
Last UpdatedJuly 6, 2026
Details
Score: 550 - 599; Grade of Paper: D
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 GM Access Rd, Martinsburg, WV, 25403
Single Payment Note Loan
10.50%
▼
APR10.50%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV, 26041 1605
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedJuly 6, 2026
Details
No additional details available.
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV, 26104
Personal Loan
10.60%
▼
APR10.60%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 GM Access Rd, Martinsburg, WV, 25403
Unimproved Land 60 months Loan
10.60%
▼
APR10.60%
Last UpdatedJuly 6, 2026
Details
700
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
1500 Maccorkle Ave SE, Charleston, WV, 25396
Closed End Loan
10.74%
▼
APR10.74%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV, 26041 1605
Personal Loans
10.75%
▼
APR10.75%
Last UpdatedJuly 6, 2026
Details
($3000 +)
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
502 Grand Central Ave, Vienna, WV, 26105
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
B Loan
10.75%
▼
APR10.75%
Last UpdatedJuly 6, 2026
Details
Score: 640 - 679
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 GM Access Rd, Martinsburg, WV, 25403
Signature Loan
10.90%
▼
APR10.90%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Home Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
131 W Pike St, Clarksburg, WV, 26301
Credit Builder Loan
10.99%
▼
APR10.99%
Last UpdatedJuly 6, 2026
Details
Rate; Interest rate will be based on credit score. Terms will be based on the dollar amount financed. Loan subject to credit approval.
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
555 W Main St, Romney, WV, 26757 1532
Signature / Personal Loan
10.99%
▼
APR10.99%
Last UpdatedJuly 6, 2026
Details
As Low As
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV, 26041 1605
Personal Loans
11.00%
▼
APR11.00%
Last UpdatedJuly 6, 2026
Details
($5000 +)
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
555 W Main St, Romney, WV, 26757 1532
Signature / Personal Loan
11.00%
▼
APR11.00%
Last UpdatedJuly 6, 2026
Details
As Low As; Minimum balance $10,000.00
Home Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
131 W Pike St, Clarksburg, WV, 26301
Special Loan
11.00%
▼
APR11.00%
Last UpdatedJuly 6, 2026
Details
Rate as low as; Interest rate will be based on credit score. Terms will be based on the dollar amount financed. Loan subject to credit approval.
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV, 26104
Personal Loan
11.04%
▼
APR11.04%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 GM Access Rd, Martinsburg, WV, 25403
Unimproved Land 120 months Loan
11.10%
▼
APR11.10%
Last UpdatedJuly 6, 2026
Details
700
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
72 Months APR* Loan
11.25%
▼
APR11.25%
Last UpdatedJuly 6, 2026
Details
Score: 549 or less; Grade of Paper: E
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
2355 Maccorkle Ave, Saint Albans, WV, 25177 2008
Maximum line Loan
11.25%
▼
APR11.25%
Last UpdatedJuly 6, 2026
Details
$5,000.00; As Low As
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
84 Months APR* Loan
11.25%
▼
APR11.25%
Last UpdatedJuly 6, 2026
Details
Score: 549 or less; Grade of Paper: E
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
24 Months APR* Loan
11.25%
▼
APR11.25%
Last UpdatedJuly 6, 2026
Details
Score: 549 or less; Grade of Paper: E
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
60 Months APR* Loan
11.25%
▼
APR11.25%
Last UpdatedJuly 6, 2026
Details
Score: 549 or less; Grade of Paper: E
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
48 Months APR* Loan
11.25%
▼
APR11.25%
Last UpdatedJuly 6, 2026
Details
Score: 549 or less; Grade of Paper: E
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV, 26146 7512
36 Months APR* Loan
11.25%
▼
APR11.25%
Last UpdatedJuly 6, 2026
Details
Score: 549 or less; Grade of Paper: E
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV, 26041 1605
Personal Loans
11.25%
▼
APR11.25%
Last UpdatedJuly 6, 2026
Details
($8000 +)
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1122 US Highway 220 N, Moorefield, WV, 26836
Loan
11.49%
▼
APR11.49%
Last UpdatedJuly 6, 2026
Details
Over $50,000
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1122 US Highway 220 N, Moorefield, WV, 26836
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedJuly 6, 2026
Details
No additional details available.
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West Virginia Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 6, 2026
Details
As Low As; Loan Amount: $500 - $25,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 6, 2026
Details
Loan Amount: $500+
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedJuly 6, 2026
Details
Loan Amount: $2,500+
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
809 Division St, Parkersburg, WV, 26101 6048
Personal Loans
8.30%
▼
APR8.30%
Last UpdatedJuly 6, 2026
Details
Annual percentage rates may be as low as*
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
500 Virginia Ave, Huntington, WV, 25701
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedJuly 6, 2026
Details
As Low As; Your signature is the only security required. Use personal loans for bill consolidation, appliances, vacations, car repairs, weddings, medical bills or anything you need. We offer financing up to 60 months. The Credit Union offers debt protection coverage.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Personal Loan
8.49%
▼
APR8.49%
Last UpdatedJuly 6, 2026
Details
Loan Amount: $3,000+
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
809 Division St, Parkersburg, WV, 26101 6048
Personal Loans
8.80%
▼
APR8.80%
Last UpdatedJuly 6, 2026
Details
Annual percentage rates may be as low as*
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedJuly 6, 2026
Details
As Low As; Loan Amount: $500-$40,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedJuly 6, 2026
Details
Loan Amount: $5,000+
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV, 26104
Personal Loan
9.15%
▼
APR9.15%
Last UpdatedJuly 6, 2026
Details
No additional details available.
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
809 Division St, Parkersburg, WV, 26101 6048
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedJuly 6, 2026
Details
Annual percentage rates may be as low as*
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1000 Custer Hollow Dr, Clarksburg, WV, 26306 0001
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedJuly 6, 2026
Details
Loan Amount: $5,000+
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
201 Ohio Ave, Charleston, WV, 25302 2209
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedJuly 6, 2026
Details
Minimum Loan $500.00; As Low As
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV, 26104
Personal Loan
9.70%
▼
APR9.70%
Last UpdatedJuly 6, 2026
Details
No additional details available.
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
809 Division St, Parkersburg, WV, 26101 6048
Personal Loans
9.80%
▼
APR9.80%
Last UpdatedJuly 6, 2026
Details
Annual percentage rates may be as low as*
Huntingtonized Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
481 8th Ave W, Huntington, WV, 25701
Personal Loan
9.90%
▼
APR9.90%
Last UpdatedJuly 6, 2026
Details
As Low As
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
555 W Main St, Romney, WV, 26757 1532
Signature / Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 6, 2026
Details
As Low As
Romney Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
62 W Main St, Romney, WV, 26757 1638
Personal loans
9.99%
▼
APR9.99%
Last UpdatedJuly 6, 2026
Details
Starting at; up to $7,500
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV, 26041 1605
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
555 W Main St, Romney, WV, 26757 1532
Signature / Personal Loan
10.49%
▼
APR10.49%
Last UpdatedJuly 6, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1122 US Highway 220 N, Moorefield, WV, 26836
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV, 26041 1605
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedJuly 6, 2026
Details
No additional details available.
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV, 26104
Personal Loan
10.60%
▼
APR10.60%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV, 26041 1605
Personal Loans
10.75%
▼
APR10.75%
Last UpdatedJuly 6, 2026
Details
($3000 +)
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
555 W Main St, Romney, WV, 26757 1532
Signature / Personal Loan
10.99%
▼
APR10.99%
Last UpdatedJuly 6, 2026
Details
As Low As
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV, 26041 1605
Personal Loans
11.00%
▼
APR11.00%
Last UpdatedJuly 6, 2026
Details
($5000 +)
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
555 W Main St, Romney, WV, 26757 1532
Signature / Personal Loan
11.00%
▼
APR11.00%
Last UpdatedJuly 6, 2026
Details
As Low As; Minimum balance $10,000.00
First Mutual Bank, FSB
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
3850 Emerson Ave, Parkersburg, WV, 26104
Personal Loan
11.04%
▼
APR11.04%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV, 26041 1605
Personal Loans
11.25%
▼
APR11.25%
Last UpdatedJuly 6, 2026
Details
($8000 +)
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1122 US Highway 220 N, Moorefield, WV, 26836
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedJuly 6, 2026
Details
No additional details available.
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West Virginia Debt Consolidation Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
910 3rd St, Moundsville, WV, 26041 1605
Debt Consolidation Loan
14.00%
▼
APR14.00%
Last UpdatedJuly 6, 2026
Details
(checks written to creditors, accounts must be closed)
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
18554 Buffalo Road, Buffalo, WV, 25033
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Powered by
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West Virginia Signature Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 21.20%
901 6th Ave, Huntington, WV, 25701
Signature/Unsecured Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 21.20%
901 6th Ave, Huntington, WV, 25701
Signature/Unsecured Loan
7.25%
▼
APR7.25%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 21.20%
901 6th Ave, Huntington, WV, 25701
Signature/Unsecured Loan
7.75%
▼
APR7.75%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 21.20%
901 6th Ave, Huntington, WV, 25701
Signature/Unsecured Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 GM Access Rd, Martinsburg, WV, 25403
Signature Loan
8.90%
▼
APR8.90%
Last UpdatedJuly 6, 2026
Details
As low as; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
1500 Maccorkle Ave SE, Charleston, WV, 25396
Unsecured Signature Loans
8.99%
▼
APR8.99%
Last UpdatedJuly 6, 2026
Details
UP TO $10,000.00
Martinsburg VA Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2971 Charles Town Rd, Kearneysville, WV, 25430
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedJuly 6, 2026
Details
As Low As; Rates effective as of 1/1/2025.
Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
419 1st Ave S, Nitro, WV, 25143 2313
Signature Loan
9.55%
▼
APR9.55%
Last UpdatedJuly 6, 2026
Details
As Low As
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
502 Grand Central Ave, Vienna, WV, 26105
Signature Loans
9.75%
▼
APR9.75%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Home Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
131 W Pike St, Clarksburg, WV, 26301
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 6, 2026
Details
Rate as low as; Interest rate will be based on credit score. Terms will be based on the dollar amount financed. Loan subject to credit approval.
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
555 W Main St, Romney, WV, 26757 1532
Signature / Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 6, 2026
Details
As Low As
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
801 Ann St, Parkersburg, WV, 26101
Signature Loans
10.00%
▼
APR10.00%
Last UpdatedJuly 6, 2026
Details
Eligibility is based on the fair issac credit score: Over 780. Loans will only be refinanced two times. Then loans must be paid down to 50% of the original loan payment (Effective: 9/24/01)
Hope Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
925 White Oaks Blvd, Bridgeport, WV, 26330
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedJuly 6, 2026
Details
Maximum $10,000
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 21.20%
901 6th Ave, Huntington, WV, 25701
Signature/Unsecured Loan
10.25%
▼
APR10.25%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
1015 Florida Ave, Keyser, WV, 26726
Signature Loans
10.49%
▼
APR10.49%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
555 W Main St, Romney, WV, 26757 1532
Signature / Personal Loan
10.49%
▼
APR10.49%
Last UpdatedJuly 6, 2026
Details
As Low As
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
502 Grand Central Ave, Vienna, WV, 26105
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 GM Access Rd, Martinsburg, WV, 25403
Signature Loan
10.90%
▼
APR10.90%
Last UpdatedJuly 6, 2026
Details
No additional details available.
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
555 W Main St, Romney, WV, 26757 1532
Signature / Personal Loan
10.99%
▼
APR10.99%
Last UpdatedJuly 6, 2026
Details
As Low As
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
555 W Main St, Romney, WV, 26757 1532
Signature / Personal Loan
11.00%
▼
APR11.00%
Last UpdatedJuly 6, 2026
Details
As Low As; Minimum balance $10,000.00
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MonitorBankRates
West Virginia Personal Loan Rate Trends
Compare local West Virginia 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 — WV Avg
10.634%
Unchanged vs 7 days ago
West Virginia personal loan rates currently average 10.634% APR.
Signature Loan — WV Avg
11.123%
Unchanged vs 7 days ago
West Virginia signature loan rates currently average 11.123% APR.
As of Jul 6, 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 West Virginia 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 West Virginia 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 West Virginia. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in WV.
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 West Virginia?
Most lenders in West Virginia 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 West Virginia often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in West Virginia 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 West Virginia?
Yes. Debt consolidation is one of the most common uses of personal loans in West Virginia. 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 West Virginia?
Credit unions in West Virginia 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 West Virginia?
- Long Reach Federal Credit Union: 3.99% (24 Months APR* Loan)
- Chessie Federal Credit Union: 4.75% (Lot Loans)
- West Virginia Central Federal Credit Union: 4.75% (Miscellaneous Equipment Loans)
- Alloy Federal Credit Union: 4.75% (84 Mo Loan)
- Ohio County Public Schools Federal Credit Union: 5.00% (Back to School Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in West Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 6, 2026.
