Personal Loans in Ottumwa, IA 52501 — 4 Local Lenders

If you have good credit and live in Ottumwa, IA, now’s a great time to explore personal loan options tailored just for you. Comparing offers from local lenders helps you find the best rates and terms that fit your needs without the hassle.

Whether you’re planning a big purchase or handling unexpected expenses, finding a personal loan in Ottumwa means working with trusted lenders who understand your community. Start comparing today and take control of your finances with confidence and ease.

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APR

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4.64 - 8.49 %

6.09 - 17.99 %

5 Yrs

$50,000

6.24 - 15.24 %

0.8 - 10 Yrs

2,500 - $20,000

6.99 - 10.99 %

5 Yrs

6.99 - 13.65 %

2 - 7 Yrs

35,000 - $50,000

7.79 - 18 %

1 - 7 Yrs

$30,000

8.49 - 11.75 %

2.1 - 5 Yrs

8.49 - 18.9 %

8.74 - 18 %

3.1 - 5 Yrs

8.75 - 17.75 %

0.1 - 5 Yrs

Today’s Personal Loan Rates & Analysis - Updated on 2026-AUG-28

Credit Union Loan Rates - Trends & Analysis:

Baxter's personal loan has a 7.49% APR today, which is up from 6.99% thirty and sixty days ago but unchanged from seven days ago. The credit builder loan remains steady at 4.5% APR with no changes in the past 30 days. Pentagon's personal loans with an APR of 6.09% today, unchanged from it was 7 and 30 days ago. This rate has remained steady over the past month. Affinity Plus has a Credit builder loan with an APR of 6% , which has stayed the same over the past 7, 30, 60, and 90 days. Their Homeowner debt consolidation loan is at 6.99% APR today, down from 7.74% seven days ago but unchanged from 30, 60, and 90 days ago.

City & County has a Life happens loan with an APR of 6.99% , which has stayed the same over the past 7, 30, 60, and 90 days. Their Personal line of credit (loc) has an APR of 10.99% , also unchanged during those periods. First Technology's Fixed–rate loan has an APR of 6.99% , which has stayed the same over the past 7, 30, 60, and 90 days. The Personal line of credit carries an APR of 12.5% , also unchanged from 7 and 30 days ago. Nasa's Cashline line of credit has a fixed APR of 11.49% , unchanged from 30 days ago. The Home improvement loan and Personal unsecured loan both have a 7.79% APR today, which is up from 7.69% seven and 30 days ago. The Personal unsecured loan's rate is higher than it was 60 and 90 days ago, when it was 7.44% .

State Department's personal loans with an APR of 8.49% , which has stayed the same over the past 7 and 30 days. Their Moneyline line–of–credit has a fixed APR of 11.75% , unchanged from 7, 30, 60, and 90 days ago. Community 1St has a Consumer loan with an APR of 9.99% , which has stayed the same over the past 7, 30, 60, and 90 days. Their Holiday loan has a rate of 8.49% , also unchanged during those periods. The Personal line of credit (variable–rate) has an APR of 11.15% , with no change from 7 or 30 days ago.

Navy Federal Credit Union has a Debt consolidation loan and a Home improvement loan, both with an APR of 8.74% today. These rates have stayed the same compared to 7, 30, 60, and 90 days ago. The Personal expense loan also carries an 8.74% APR with no changes over the same periods. Delta Community has a Personal loan with an APR of 8.75% today. This rate has stayed the same compared to 7, 30, and 60 days ago.

🏦 All Local Lenders in Ottumwa, IA

Lender Name	Branch Address	Timings & Contact	General Services Offered	Office Services	Lender Snapshot
MERIDIAN CREDIT UNION	1206 N JEFFERSON ST OTTUMWA IA 52501	⏰ M-W 8:00 am to 4:30 pm Th-F 8:00 am to 5:00 pm Sat 9:00 am to 12:00 noon 📞 6416844207 📠 6416845557	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $33,280,005 Deposits: $5,238,860 Net Worth: $5,280,493 Employees: 6 Members: 2,150
MERIDIAN CREDIT UNION	644 W 2ND ST OTTUMWA IA 52501	📞 6416846302 📠 6416845557	ATM Services Only	P2P E-Statements E-Signature	Assets: $33,280,005 Deposits: $5,238,860 Net Worth: $5,280,493 Employees: 6 Members: 2,150
RIVER COMMUNITY CREDIT UNION	644 W 2ND ST OTTUMWA IA 52501	⏰ M-T 8:00 AM - 4:30 PM F 8:00 AM - 5:00 PM 📞 6416846302 📠 6416847921	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $28,891,754 Deposits: $4,709,569 Net Worth: $4,086,942 Employees: 6 Members: 3,627
COMMUNITY 1ST CREDIT UNION	739 PENNSYLVANIA AVE OTTUMWA IA 52501	⏰ Monday thru Friday 8:30 am to 5:00 pm Drive Thru 7:30 am to 5:30 pm Saturday 8:30 am to 12:00 pm Drive Thru 7:30 am to 12:00 pm 📞 6416836752 📠 6416836301	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $1,063,891,298 Deposits: $82,858,515 Net Worth: $110,494,456 Employees: 309.0 Members: 72,173
COMMUNITY 1ST CREDIT UNION	235 RICHMOND AVE OTTUMWA IA 52501	⏰ Monday thru Friday 8:30 am to 5:00 pm Drive Thru 7:30 am to 5:30 pm Saturday 8:30 am to 12:00 pm Drive Thru 7:30 am to 12:00 pm 📞 6416845448 📠 6416836301	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $1,063,891,298 Deposits: $82,858,515 Net Worth: $110,494,456 Employees: 309.0 Members: 72,173
COMMUNITY 1ST CREDIT UNION	1940 VENTURE DR OTTUMWA IA 52501	⏰ 9:00am to 7:00pm M-F 9:00am to 6:00pm Sat 10:00am to 4:00pm Sun 📞 6416842127 📠 6416836301	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic ATM Access (Withdrawals, Balance Checks)	ATM P2P E-Statements E-Signature	Assets: $1,063,891,298 Deposits: $82,858,515 Net Worth: $110,494,456 Employees: 309.0 Members: 72,173
COMMUNITY 1ST CREDIT UNION	600 S IOWA AVE OTTUMWA IA 52501	⏰ M-F 8:00am to 5:00 pm 📞 8663605370 📠 6416836301	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic ATM Access (Withdrawals, Balance Checks)	ATM P2P E-Statements E-Signature	Assets: $1,063,891,298 Deposits: $82,858,515 Net Worth: $110,494,456 Employees: 309.0 Members: 72,173
COMMUNITY 1ST CREDIT UNION	1100 HUTCHINSON AVE OTTUMWA IA 52501	⏰ 8:00 AM to 5:00 PM Monday - Friday 📞 8663605370 📠 6416836301	ATM Services Only	P2P E-Statements E-Signature	Assets: $1,063,891,298 Deposits: $82,858,515 Net Worth: $110,494,456 Employees: 309.0 Members: 72,173
EMPEOPLE CREDIT UNION	928 E VINE ST OTTUMWA IA 52501	⏰ 7am - 4pm M-F 📞 3097431081 📠 3097431050	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic ATM Access (Withdrawals, Balance Checks)	ATM P2P E-Statements E-Signature	Assets: $1,947,442,053 Deposits: $90,697,490 Net Worth: $168,111,172 Employees: 242 Members: 72,658

🏘️ All the Lenders Available in Wapello County, IA

✅MERIDIAN CREDIT UNION

✅RIVER COMMUNITY CREDIT UNION

✅COMMUNITY 1ST 68510 CREDIT UNION

✅EMPEOPLE CREDIT UNION

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