Er bod rhai o'u cyfraddau'n uwch na'r benthyciadau rhataf sydd ar gael gan fanciau prif ffrwd, maent yn llawer rhatach na'r cynhyrchion eraill sydd ar gael i'r rhai sydd fel arfer yn cael eu gwrthod ar gyfer benthyciadau gan fanciau'r stryd fawr, fel benthyca stepen drws neu fenthyciadau diwrnod cyflog, pan all y gyfanradd ganrannol flynyddol fod yn fwy na 1000%. Hefyd, mae cap ar faint o log y gall undebau credyd ei godi ar eu benthyciadau – gyda'r cyfraddau uchaf y gallant godi wedi ei gapio ar 3% y mis calendr ar y balans sy’n weddill.
While some of their rates may be higher than the cheapest loans available from mainstream banks, they're much cheaper than other products available to people who may have been turned down for loans from high street banks, such as doorstep lending or payday loans, where APRs can be more than 1000%. There is also a cap on the amount of interest that credit unions can charge on their loans, with maximum rates capped at 3% per calendar month on the reducing balance.