Best Personal Loan Rates in Sophia, West Virginia (WV) - April 2026
Content reviewed by
Brian McKay
i
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 Sophia, West Virginia include: WEPCO Federal Credit UnionWEPCO Federal Credit UnionA+5.0 ★Texas Ratio: 3.70% offering Share Pledge Loans at 4.00% APR, West Virginia Central Federal Credit UnionWest Virginia Central Federal Credit UnionA+5.0 ★Texas Ratio: 2.53% offering Miscellaneous Equipment Loans at 4.75% APR, Strip Steel Community Federal Credit UnionStrip Steel Community Federal Credit UnionA+5.0 ★Texas Ratio: 0.12% offering Tax loans at 4.75% APR, Ohio County Public Schools Federal Credit UnionOhio County Public Schools Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering Labor and Leisure Loan at 5.00% APR, and Chessie Federal Credit UnionChessie Federal Credit UnionA+5.0 ★Texas Ratio: 5.80% offering Lot Loans - 3 year balloon at 5.00% APR. Personal loan rates as of April 18, 2026 according to verified data from MonitorBankRates.
Sophia borrowers have access to 48 lenders serving the West Virginia area, with personal loan rates as low as 4.00% APR from WEPCO Federal Credit Union. 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 Sophia, West Virginia.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Sophia, 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: April 18, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Share Pledge Loans
4.00%
▼
APR4.00%
Last UpdatedApril 19, 2026
Details
As Low As
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Miscellaneous Equipment Loans
4.75%
▼
APR4.75%
Last UpdatedApril 19, 2026
Details
As Low As
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
Tax loans
4.75%
▼
APR4.75%
Last UpdatedApril 19, 2026
Details
With auto pay
Ohio County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Labor and Leisure Loan
5.00%
▼
APR5.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Ohio County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Vacation Loan
5.00%
▼
APR5.00%
Last UpdatedApril 19, 2026
Details
Available all year
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Miscellaneous Equipment Loans
5.00%
▼
APR5.00%
Last UpdatedApril 19, 2026
Details
As Low As
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
Tax loans
5.00%
▼
APR5.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Lot Loans - 3 year balloon
5.00%
▼
APR5.00%
Last UpdatedApril 19, 2026
Details
As Low As
APR5.00%
Last UpdatedApril 19, 2026
Details
As Low As
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
SEASONAL LOAN SPECIALS
5.00%
▼
APR5.00%
Last UpdatedApril 19, 2026
Details
UP TO $2,500 FOR 24 MONTHS AT 5.00% (sample payment at these terms $110/month)
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Lot Loans - 5 year balloon
5.50%
▼
APR5.50%
Last UpdatedApril 19, 2026
Details
As Low As
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Miscellaneous Equipment Loans
5.50%
▼
APR5.50%
Last UpdatedApril 19, 2026
Details
As Low As
Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
Side-by-side Loan
6.00%
▼
APR6.00%
Last UpdatedApril 19, 2026
Details
90% of NADA Retail
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
6.50%
▼
APR6.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedApril 19, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 19, 2026
Details
As Low As
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Debt Consolidation
7.00%
▼
APR7.00%
Last UpdatedApril 19, 2026
Details
Credit Rating: A+
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.09%
▼
APR7.09%
Last UpdatedApril 19, 2026
Details
As Low As
APR7.24%
Last UpdatedApril 19, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Unsecured Loan
7.25%
▼
APR7.25%
Last UpdatedApril 19, 2026
Details
As Low As
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
7.25%
▼
APR7.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR7.49%
Last UpdatedApril 19, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Property Loans
7.49%
▼
APR7.49%
Last UpdatedApril 19, 2026
Details
As Low As; With qualifying credit and direct deposit with automatic payment.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Unsecured Loan
7.50%
▼
APR7.50%
Last UpdatedApril 19, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 19, 2026
Details
As Low As
APR7.74%
Last UpdatedApril 19, 2026
Details
As Low As
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
7.75%
▼
APR7.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Debt Consolidation
7.75%
▼
APR7.75%
Last UpdatedApril 19, 2026
Details
Credit Rating: A
APR7.75%
Last UpdatedApril 19, 2026
Details
As Low As; Variable
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.94%
▼
APR7.94%
Last UpdatedApril 19, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 19, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 19, 2026
Details
As Low As
Metro Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.95%
Unsecured
7.99%
▼
APR7.99%
Last UpdatedApril 19, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Unsecured Loan
8.00%
▼
APR8.00%
Last UpdatedApril 19, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedApril 19, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedApril 19, 2026
Details
As Low As
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Unsecured Single Pay Note 90 day note
8.30%
▼
APR8.30%
Last UpdatedApril 19, 2026
Details
As Low As
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Loans
8.30%
▼
APR8.30%
Last UpdatedApril 19, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 19, 2026
Details
As Low As; With qualifying credit and direct deposit with automatic payment.
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Term Loans
8.49%
▼
APR8.49%
Last UpdatedApril 19, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 19, 2026
Details
As Low As
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Debt Consolidation
8.50%
▼
APR8.50%
Last UpdatedApril 19, 2026
Details
Credit Rating: B
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedApril 19, 2026
Details
As Low As
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
8.75%
▼
APR8.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Loans
8.80%
▼
APR8.80%
Last UpdatedApril 19, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedApril 19, 2026
Details
As Low As; Loan Amount $500-$40,000
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Signature Loan
8.90%
▼
APR8.90%
Last UpdatedApril 19, 2026
Details
As Low As
Ravenswood Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
Unsecured
8.99%
▼
APR8.99%
Last UpdatedApril 19, 2026
Details
As Low As
Ravenswood Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.44%
Unsecured Loans
8.99%
▼
APR8.99%
Last UpdatedApril 19, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 19, 2026
Details
As Low As
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Unsecured Signature Loans
8.99%
▼
APR8.99%
Last UpdatedApril 19, 2026
Details
UP TO $10,000.00
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Vacation & Holiday Loans
9.00%
▼
APR9.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 19, 2026
Details
As Low As; ****Maximum unsecured loan $7,000 /48 months maximum term
Martinsburg VA Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 19, 2026
Details
As Low As
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Unsecured Loan A+ Credit Score above 740
9.00%
▼
APR9.00%
Last UpdatedApril 19, 2026
Details
up to $20,000.00
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
One-Payment Loans
9.00%
▼
APR9.00%
Last UpdatedApril 19, 2026
Details
As Low As
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Computer Loan
9.00%
▼
APR9.00%
Last UpdatedApril 19, 2026
Details
As Low As; * All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness.
APR9.15%
Last UpdatedApril 19, 2026
Details
No additional details available.
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedApril 19, 2026
Details
As Low As
APR9.49%
Last UpdatedApril 19, 2026
Details
Loan Amounts from $2,000 and above with no origination fee or prepayment penalty.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 19, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 19, 2026
Details
As Low As
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Unsecured Loan A Credit Score 700-739
9.50%
▼
APR9.50%
Last UpdatedApril 19, 2026
Details
up to $15,000.00
Union Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Personal
9.50%
▼
APR9.50%
Last UpdatedApril 19, 2026
Details
As Low As
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 19, 2026
Details
As Low As
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Signature Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 19, 2026
Details
up to $10,000.00
APR9.55%
Last UpdatedApril 19, 2026
Details
As Low As
APR9.70%
Last UpdatedApril 19, 2026
Details
No additional details available.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
Up to $2,500
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans to $15,000
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
$7,501
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans to $5,000
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
$2,501
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans to $7,500
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
$5,001
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Loans
9.80%
▼
APR9.80%
Last UpdatedApril 19, 2026
Details
As Low As
Huntingtonized Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Personal Loan
9.90%
▼
APR9.90%
Last UpdatedApril 19, 2026
Details
As Low As
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
All Unsecured Loans
9.95%
▼
APR9.95%
Last UpdatedApril 19, 2026
Details
No additional details available.
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Holiday Loan Special
9.99%
▼
APR9.99%
Last UpdatedApril 19, 2026
Details
**Seasonal - Call for Information**
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 19, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 19, 2026
Details
As Low As
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Vacation Loan Special
9.99%
▼
APR9.99%
Last UpdatedApril 19, 2026
Details
**Seasonal - Call for Information**
Romney Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
Personal loans
9.99%
▼
APR9.99%
Last UpdatedApril 19, 2026
Details
up to $7,500; Starting at
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 19, 2026
Details
As Low As; Months
APR9.99%
Last UpdatedApril 19, 2026
Details
As Low As
Raleigh County Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
UNSECURED LOANS
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
Max Credit: $10,000
Hope Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Co-signer Loan
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
$20,000 Maximum
Universal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Personal Lending
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As; * All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness.
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Signature Loans Over 780
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Debt Consolidation
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
Credit Rating: C
Hope Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
$10,000 Maximum
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
10.25%
▼
APR10.25%
Last UpdatedApril 19, 2026
Details
As Low As
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
10.25%
▼
APR10.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedApril 19, 2026
Details
As Low As
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Signature Loans
10.49%
▼
APR10.49%
Last UpdatedApril 19, 2026
Details
As Low As
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 19, 2026
Details
No additional details available.
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 19, 2026
Details
As Low As; Months
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Signature / Co-Maker
10.50%
▼
APR10.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
Preston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
Signature Loan/Unsecured
10.50%
▼
APR10.50%
Last UpdatedApril 19, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
10.50%
▼
APR10.50%
Last UpdatedApril 19, 2026
Details
As Low As
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR10.60%
Last UpdatedApril 19, 2026
Details
No additional details available.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans to $7,500
10.75%
▼
APR10.75%
Last UpdatedApril 19, 2026
Details
$5,001
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans to $15,000
10.75%
▼
APR10.75%
Last UpdatedApril 19, 2026
Details
$7,501
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans to $5,000
10.75%
▼
APR10.75%
Last UpdatedApril 19, 2026
Details
$2,501
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
10.75%
▼
APR10.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
Home Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
Credit Builder Loan
10.99%
▼
APR10.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 19, 2026
Details
As Low As; Months
APR11.00%
Last UpdatedApril 19, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedApril 19, 2026
Details
As Low As
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 19, 2026
Details
As Low As; Months
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
11.00%
▼
APR11.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR11.04%
Last UpdatedApril 19, 2026
Details
No additional details available.
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
Unsecured Loan Platinum
11.25%
▼
APR11.25%
Last UpdatedApril 19, 2026
Details
Score: 730 +; Grade of Paper: Platinum
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
11.25%
▼
APR11.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedApril 19, 2026
Details
No additional details available.
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Debt Consolidation
11.50%
▼
APR11.50%
Last UpdatedApril 19, 2026
Details
Credit Rating: D
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Unsecured Loan B Credit Score 640-699
11.50%
▼
APR11.50%
Last UpdatedApril 19, 2026
Details
up to $15,000.00
APR11.56%
Last UpdatedApril 19, 2026
Details
No additional details available.
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedApril 19, 2026
Details
As Low As
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
All Unsecured Loans
11.95%
▼
APR11.95%
Last UpdatedApril 19, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
As Low As; 84 month Annual Percentage Rate as low as 11.99% as of March 1, 2026. Example of repayment terms: 84 monthly payments of $17.80 per $1,000 borrowed.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
As Low As
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
Personal/Signature Loans
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
As Low As
APR11.99%
Last UpdatedApril 19, 2026
Details
As Low As
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
Signature Loans
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
As Low As
Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.31%
Commendable Member Loan
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Signature Loans 680-779
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Raleigh County Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
UNSECURED LOANS
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
Max Credit: $8,500
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Signature Personal Loans to $15,000.00
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
$10,000.00
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
PERSONAL LOANS
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
$0 Minimum $10,000 Maximum
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
DEBT CONSOLIDATION LOAN
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
$0 Minimum $10,000 Maximum (Proceeds payable directly to creditors)
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
Unsecured Loan A
12.25%
▼
APR12.25%
Last UpdatedApril 19, 2026
Details
Score: 680 - 729; Grade of Paper: A
Preston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
Signature Loan/Unsecured
12.50%
▼
APR12.50%
Last UpdatedApril 19, 2026
Details
As Low As
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans to $15,000
12.50%
▼
APR12.50%
Last UpdatedApril 19, 2026
Details
$7,501
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans to $7,500
12.50%
▼
APR12.50%
Last UpdatedApril 19, 2026
Details
$5,001
APR12.66%
Last UpdatedApril 19, 2026
Details
As Low As
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
PERSONAL/signature Advances 730+
12.75%
▼
APR12.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
Alloy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
All Unsecured Loans
12.95%
▼
APR12.95%
Last UpdatedApril 19, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedApril 19, 2026
Details
As Low As; Loan Amount $250-$40,000
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedApril 19, 2026
Details
As Low As
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
Unsecured Loan B
13.25%
▼
APR13.25%
Last UpdatedApril 19, 2026
Details
Score: 640 - 679; Grade of Paper: B
APR13.49%
Last UpdatedApril 19, 2026
Details
Loan Amounts from $2,000 and above with no origination fee or prepayment penalty.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 19, 2026
Details
As Low As
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
PERSONAL/signature Advances 680 - 729
13.75%
▼
APR13.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Debt Consolidation
13.75%
▼
APR13.75%
Last UpdatedApril 19, 2026
Details
Credit Rating: E
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans to $15,000
13.75%
▼
APR13.75%
Last UpdatedApril 19, 2026
Details
$7,501
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Signature Loan
14.00%
▼
APR14.00%
Last UpdatedApril 19, 2026
Details
Regular APR: 14%
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedApril 19, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.09%
▼
APR7.09%
Last UpdatedApril 19, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 19, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.94%
▼
APR7.94%
Last UpdatedApril 19, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 19, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 19, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedApril 19, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedApril 19, 2026
Details
As Low As
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Loans
8.30%
▼
APR8.30%
Last UpdatedApril 19, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 19, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 19, 2026
Details
As Low As; With qualifying credit and direct deposit with automatic payment.
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedApril 19, 2026
Details
As Low As
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Loans
8.80%
▼
APR8.80%
Last UpdatedApril 19, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedApril 19, 2026
Details
As Low As; Loan Amount $500-$40,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 19, 2026
Details
As Low As
APR9.15%
Last UpdatedApril 19, 2026
Details
No additional details available.
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedApril 19, 2026
Details
As Low As
APR9.49%
Last UpdatedApril 19, 2026
Details
Loan Amounts from $2,000 and above with no origination fee or prepayment penalty.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 19, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 19, 2026
Details
As Low As
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Signature Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 19, 2026
Details
up to $10,000.00
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 19, 2026
Details
As Low As
APR9.70%
Last UpdatedApril 19, 2026
Details
No additional details available.
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Loans
9.80%
▼
APR9.80%
Last UpdatedApril 19, 2026
Details
As Low As
Huntingtonized Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
Personal Loan
9.90%
▼
APR9.90%
Last UpdatedApril 19, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 19, 2026
Details
As Low As
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 19, 2026
Details
As Low As; Months
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 19, 2026
Details
As Low As
Romney Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
Personal loans
9.99%
▼
APR9.99%
Last UpdatedApril 19, 2026
Details
up to $7,500; Starting at
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 19, 2026
Details
As Low As; Months
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 19, 2026
Details
No additional details available.
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedApril 19, 2026
Details
As Low As
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR10.60%
Last UpdatedApril 19, 2026
Details
No additional details available.
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
10.75%
▼
APR10.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 19, 2026
Details
As Low As; Months
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
11.00%
▼
APR11.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 19, 2026
Details
As Low As; Months
APR11.04%
Last UpdatedApril 19, 2026
Details
No additional details available.
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Personal Loans
11.25%
▼
APR11.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedApril 19, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
As Low As; 84 month Annual Percentage Rate as low as 11.99% as of March 1, 2026. Example of repayment terms: 84 monthly payments of $17.80 per $1,000 borrowed.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
As Low As
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
PERSONAL LOANS
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
$0 Minimum $10,000 Maximum
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Signature Personal Loans to $15,000.00
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
$10,000.00
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedApril 19, 2026
Details
As Low As; Loan Amount $250-$40,000
APR13.49%
Last UpdatedApril 19, 2026
Details
Loan Amounts from $2,000 and above with no origination fee or prepayment penalty.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 19, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Debt Consolidation
7.00%
▼
APR7.00%
Last UpdatedApril 19, 2026
Details
Credit Rating: A+
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Debt Consolidation
7.75%
▼
APR7.75%
Last UpdatedApril 19, 2026
Details
Credit Rating: A
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Debt Consolidation
8.50%
▼
APR8.50%
Last UpdatedApril 19, 2026
Details
Credit Rating: B
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Debt Consolidation
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
Credit Rating: C
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Debt Consolidation
11.50%
▼
APR11.50%
Last UpdatedApril 19, 2026
Details
Credit Rating: D
Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
DEBT CONSOLIDATION LOAN
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
$0 Minimum $10,000 Maximum (Proceeds payable directly to creditors)
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
Debt Consolidation
13.75%
▼
APR13.75%
Last UpdatedApril 19, 2026
Details
Credit Rating: E
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Debt Consolidation (checks written to creditors, accounts must be closed)
14.00%
▼
APR14.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 19, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 19, 2026
Details
As Low As
Powered by
MonitorBankRates
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: 23.31%
Signature/Unsecured
6.50%
▼
APR6.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
7.25%
▼
APR7.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
7.75%
▼
APR7.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
8.75%
▼
APR8.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Signature Loan
8.90%
▼
APR8.90%
Last UpdatedApril 19, 2026
Details
As Low As
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Unsecured Signature Loans
8.99%
▼
APR8.99%
Last UpdatedApril 19, 2026
Details
UP TO $10,000.00
Martinsburg VA Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 19, 2026
Details
As Low As
Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 19, 2026
Details
As Low As; ****Maximum unsecured loan $7,000 /48 months maximum term
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Signature Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 19, 2026
Details
up to $10,000.00
APR9.55%
Last UpdatedApril 19, 2026
Details
As Low As
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans to $7,500
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
$5,001
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans to $15,000
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
$7,501
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
Up to $2,500
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans to $5,000
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
$2,501
APR9.99%
Last UpdatedApril 19, 2026
Details
As Low As
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 19, 2026
Details
As Low As; Months
Hope Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
$10,000 Maximum
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Signature Loans Over 780
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
10.25%
▼
APR10.25%
Last UpdatedApril 19, 2026
Details
As Low As
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
Signature/Unsecured
10.25%
▼
APR10.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Signature Loans
10.49%
▼
APR10.49%
Last UpdatedApril 19, 2026
Details
As Low As
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 19, 2026
Details
As Low As; Months
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
10.50%
▼
APR10.50%
Last UpdatedApril 19, 2026
Details
As Low As
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Signature / Co-Maker
10.50%
▼
APR10.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
Preston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
Signature Loan/Unsecured
10.50%
▼
APR10.50%
Last UpdatedApril 19, 2026
Details
As Low As
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans to $15,000
10.75%
▼
APR10.75%
Last UpdatedApril 19, 2026
Details
$7,501
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans to $5,000
10.75%
▼
APR10.75%
Last UpdatedApril 19, 2026
Details
$2,501
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans to $7,500
10.75%
▼
APR10.75%
Last UpdatedApril 19, 2026
Details
$5,001
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 19, 2026
Details
As Low As; Months
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedApril 19, 2026
Details
As Low As
Act 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.88%
Signature / Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 19, 2026
Details
As Low As; Months
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedApril 19, 2026
Details
As Low As
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
Personal/Signature Loans
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
As Low As
APR11.99%
Last UpdatedApril 19, 2026
Details
As Low As
CCMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
Signature Loans 680-779
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
Signature Loans
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
As Low As
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Signature Personal Loans to $15,000.00
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
$10,000.00
Preston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
Signature Loan/Unsecured
12.50%
▼
APR12.50%
Last UpdatedApril 19, 2026
Details
As Low As
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans to $15,000
12.50%
▼
APR12.50%
Last UpdatedApril 19, 2026
Details
$7,501
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans to $7,500
12.50%
▼
APR12.50%
Last UpdatedApril 19, 2026
Details
$5,001
APR12.66%
Last UpdatedApril 19, 2026
Details
As Low As
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
PERSONAL/signature Advances 730+
12.75%
▼
APR12.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedApril 19, 2026
Details
As Low As
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
PERSONAL/signature Advances 680 - 729
13.75%
▼
APR13.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Signature Loans to $15,000
13.75%
▼
APR13.75%
Last UpdatedApril 19, 2026
Details
$7,501
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Signature Loan
14.00%
▼
APR14.00%
Last UpdatedApril 19, 2026
Details
Regular APR: 14%
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MonitorBankRates
No home improvement personal loan rates found in Sophia, WV currently.
Sophia, WV Personal Loan Rate Trends
Compare local Sophia, WV 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
10.762%
Unchanged vs 7 days ago
West Virginia personal loan rates currently average 10.762% APR.
Signature Loan — WV Avg
11.089%
Unchanged vs 7 days ago
West Virginia signature loan rates currently average 11.089% APR.
As of Apr 19, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in West Virginia?
Most lenders in Sophia, 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 Sophia, 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 Sophia, 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 Sophia, West Virginia?
Credit unions in Sophia, 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 Sophia, West Virginia?
- WEPCO Federal Credit Union: 4.00% (Share Pledge Loans)
- West Virginia Central Federal Credit Union: 4.75% (Miscellaneous Equipment Loans)
- Strip Steel Community Federal Credit Union: 4.75% (Tax loans)
- Ohio County Public Schools Federal Credit Union: 5.00% (Labor and Leisure Loan)
- Chessie Federal Credit Union: 5.00% (Lot Loans - 3 year balloon)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Sophia, West Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 18, 2026.
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