Introduction

On June 17, 2025, credit union members continue to find some of the most competitive personal loan rates available, making this a great time to explore your borrowing options. If you’re looking for ultra-low secured loan rates, Vystar Credit Union and Gardensavings Federal Credit Union both offer standout options at 2.0% APR for certificate- and savings-secured loans. For those aiming to build credit affordably, Gardensavings’ credit builder loan remains attractively low at 2.8% APR. Need a flexible personal line of credit? Connexus Credit Union offers options starting as low as 9.99% APR on unsecured personal loans, while Vystar’s adoption line of credit holds steady at 8.99% APR—a solid choice for family-related expenses. Signature loans hover around the 11-12% range across several credit unions, including Chartway and Digital Federal Credit Union. Notably, there have been no significant rate changes in the last 30 days, providing stability for borrowers planning ahead. Whether it’s debt consolidation, home improvement, or emergency funding, today’s rates highlight several cost-effective paths to meet your financial goals.

Personal Loans

Credit Union
Product
2025-06-17
(Current Day)
2025-06-02
(15 Days Ago)
2025-05-18
(30 Days Ago)
2025-06-10
(7 Days Ago)
Vystar Credit Union
Adoption line of credit
8.99
8.99
8.99
Vystar Credit Union
Certificate secured
2
2
2
Vystar Credit Union
Personal line of credit
15.24
15.24
15.24
Vystar Credit Union
Personal loans
10
10
10
Vystar Credit Union
Savings secured
2
2
2
Gardensavings Federal Credit Union
Credit builder loan
2.8
2.8
2.8
2.8
Gardensavings Federal Credit Union
Holiday loan
9.25
9.25
9.25
9.25
Gardensavings Federal Credit Union
Overdraft protection open-end credit
12.25
12.25
12.25
12.25
Gardensavings Federal Credit Union
Personal loan (including debt consolidation)
10.99
10.99
10.99
10.99
Gardensavings Federal Credit Union
Share secured
2.55
2.55
2.55
2.55
Gardensavings Federal Credit Union
Vacation loan
9.25
9.25
9.25
9.25
Chartway Credit Union
Line of credit
12.24
12.24
12.24
12.24
Chartway Credit Union
Shared & certificate secured loans
3
3
3
3
Chartway Credit Union
Signature loan
11.74
11.74
11.74
11.74
State Department Federal Credit Union
Moneyline line-of-credit
11.75
11.75
11.75
11.75
State Department Federal Credit Union
Share secured loan
3.05
3.05
3.05
3.05
Nc State Employee Credit Union
Closed-end fixed rate
9.25
9.25
9.25
9.25
Nc State Employee Credit Union
Share-secured
3.1
3.1
3.1
3.1
Nc State Employee Credit Union
Share-secured term note
6.5
6.5
6.5
6.5
Nc State Employee Credit Union
Signature term note
11.75
11.75
11.75
11.75
Caped Credit Union
Share secure loan rates
3.49
3.49
3.49
3.49
Caped Credit Union
Signature loan rates
11.84
11.84
11.84
11.84
Digital Federal Credit Union
Access loan rates
10.85
10.85
10.85
10.85
Digital Federal Credit Union
Credit builder loans
5
5
5
5
Digital Federal Credit Union
Energy efficient loan – fixed rate
8.75
8.75
8.75
8.75
Digital Federal Credit Union
Fuel assistance loan – fixed rate
8.25
8.25
8.25
8.25
Digital Federal Credit Union
Quick loan rates
17.99
17.99
17.99
17.99
Digital Federal Credit Union
Savings secured loans
3.5
3.5
3.5
3.5
Digital Federal Credit Union
Traditional signature loans
11.99
11.99
11.99
11.99
Connexus Credit Union
Personal line of credit (flex)
13.49
13.49
13.49
13.49
Connexus Credit Union
Personal line of credit (flexplus)
11.99
11.99
11.99
11.99
Connexus Credit Union
Savings secured loan
4.02
4.02
4.02
4.02
Connexus Credit Union
Secured
5.24
5.24
5.24
5.24
Connexus Credit Union
Unsecured personal loan
9.99
9.99
9.99
9.99
San Francisco Federal Credit Union
Personal loan 1-12 months
4.99
4.99
4.99
4.99
San Francisco Federal Credit Union
Personal loan 13-24 months
8.7
8.7
8.7
8.7
San Francisco Federal Credit Union
Personal loan 25-36 months
8.75
8.75
8.75
8.75
San Francisco Federal Credit Union
Personal loan 37-48 months
8.8
8.8
8.8
8.8
San Francisco Federal Credit Union
Personal loan 49-60 months
8.85
8.85
8.85
8.85
San Francisco Federal Credit Union
Personal loan 61-72 months
8.95
8.95
8.95
8.95
San Francisco Federal Credit Union
Personal loan 73-84 months
9.34
9.34
9.34
9.34
Affinity Plus Federal Credit Union
Bicycle loan
8.49
8.49
8.49
8.49
Affinity Plus Federal Credit Union
Credit builder loan
6
6
6
6
Affinity Plus Federal Credit Union
Holiday loan
10.24
10.24
10.24
10.24
Affinity Plus Federal Credit Union
Homeowner debt consolidation
10.74
10.74
11.24▲ 50 bps
10.74
Affinity Plus Federal Credit Union
Homeowner personal loan
9.99
9.99
10.49▲ 50 bps
9.99
Affinity Plus Federal Credit Union
Personal line of credit
14.99
14.99
14.99
14.99
Affinity Plus Federal Credit Union
Personal unsecured
11.24
11.24
11.24
11.24
Affinity Plus Federal Credit Union
Solar loan
8.24
8.24
8.24
8.24

Vystar Credit Union

As of June 17, 2025, all Vystar Credit Union personal loan rates remain stable with no changes over the past 30 days. The Certificate secured and Savings secured loans offer the lowest APRs at a competitive 2.0%, ideal for members seeking low-risk borrowing options. For unsecured needs, the Personal loans maintain a steady 10.0% APR, suitable for general purposes, while the Personal line of credit holds at 15.24% APR, providing flexible access to funds. The Adoption line of credit also remains unchanged at 8.99% APR, supporting members during adoption-related expenses. Members should compare fixed and variable rate options aligned with their borrowing goals and risk tolerance.

Gardensavings Federal Credit Union

As of June 17, 2025, Gardensavings Federal Credit Union maintains stable personal loan rates with no changes over the past 30 days. The Share secured loan offers the lowest APR at 2.55%, ideal for members seeking low-cost borrowing backed by savings. The Credit builder loan remains steady at 2.8%, supporting first-time borrowers aiming to establish credit. Unsecured options like the Personal loan (including debt consolidation) hold firm at 10.99%, suitable for debt consolidation needs. Members should compare fixed and variable options carefully to align borrowing costs with their financial goals and risk tolerance.

Chartway Credit Union

As of June 17, 2025, Chartway Credit Union personal loan rates remain stable with no changes over the past 30 days. The Shared & certificate secured loans offer the lowest APR at a steady 3.0%, ideal for members seeking low-cost, collateral-backed borrowing. For unsecured options, the Signature loan maintains a consistent rate of 11.74%, while the flexible Line of credit holds at 12.24% APR. Members should compare fixed-rate and line of credit options carefully based on borrowing needs and risk tolerance to ensure payment predictability and affordability.

State Department Federal Credit Union

As of June 17, 2025, State Department Federal Credit Union maintains stable rates on its personal loans. The Moneyline line-of-credit holds steady at 11.75% APR, unchanged over the past 30 days. Meanwhile, the Share secured loan remains the most affordable option at a consistent 3.05% APR, offering significant savings for members able to leverage their shares as collateral. Members seeking low-cost borrowing may find the Share secured loan particularly advantageous, while those desiring flexible access can consider the fixed-rate Moneyline line-of-credit. Review your financial goals and compare these products to determine which aligns best with your borrowing needs.

Nc State Employee Credit Union

As of June 17, 2025, Nc State Employee Credit Union personal loan rates remain stable with no changes in APRs over the past 30 days. The Share-secured loan offers the lowest rate at 3.1% APR, ideal for members seeking low-cost borrowing using savings as collateral. For fixed-rate borrowing, the Closed-end fixed rate loan stands at 9.25% APR, providing payment certainty. The Signature term note carries the highest unsecured rate at 11.75% APR, suitable for those needing flexible, unsecured funds. Members should compare secured and unsecured options carefully to match their financial goals and risk tolerance.

Caped Credit Union

As of June 17, 2025, Caped Credit Union’s personal loan rates remain stable. The Share secure loan continues to offer the lowest APR at a consistent 3.49%, unchanged over the past 30 days, making it an attractive option for members seeking secured borrowing with predictable costs. Meanwhile, the Signature loan rate holds steady at 11.84% APR, suitable for unsecured borrowing needs without recent fluctuations. Members should compare secured versus unsecured options based on their credit profile and repayment goals and consider fixed-rate loans for payment certainty in their financial planning.

Digital Federal Credit Union

As of June 17, 2025, Digital Federal Credit Union’s personal loan rates remain stable with no changes in APRs over the past 30 days. The most affordable option is the Savings secured loan at 3.5% APR, ideal for members seeking low-risk borrowing. Among unsecured loans, the Credit builder loan offers a competitive 5.0% APR, suitable for first-time borrowers aiming to establish credit. Fixed-rate options like the Energy efficient loan (8.75%) and Fuel assistance loan (8.25%) provide predictable payments for specific needs. Members should compare products carefully and consider fixed-rate loans for payment certainty based on their financial goals.

Connexus Credit Union

As of June 17, 2025, Connexus Credit Union’s personal loan APRs remain stable with no changes over the past 30 days. The Savings secured loan offers the lowest rate at 4.02% APR, ideal for members seeking low-risk borrowing. The Secured loan follows at 5.24% APR, while the Unsecured personal loan stands at 9.99% APR, providing flexibility without collateral. For revolving credit, the Personal line of credit (flexplus) maintains a competitive 11.99% APR, and the standard Personal line of credit (flex) is higher at 13.49% APR. Members should compare fixed versus flexible options based on their repayment preferences and financial goals.

San Francisco Federal Credit Union

As of June 17, 2025, San Francisco Federal Credit Union maintains steady personal loan APRs across all terms with no changes over the past 30 days. The most competitive rate remains for the Personal loan 1-12 months at a low 4.99% APR, ideal for members seeking short-term, affordable borrowing. Longer terms from 13 to 84 months carry rates ranging from 8.70% to 9.34% APR, consistent for those needing extended repayment periods. Members should compare terms carefully to match loan duration with their financial goals and consider fixed-rate options to ensure payment stability over time.

Affinity Plus Federal Credit Union

As of June 17, 2025, Affinity Plus Federal Credit Union rates remain largely stable. Notably, the Homeowner Debt Consolidation APR decreased by 0.50 percentage points (50 bps) from 11.24% to 10.74% over the last month, improving affordability for members managing multiple debts. The Homeowner Personal Loan APR also dropped by 0.50 percentage points, now at 9.99%. Other products, including the Credit Builder Loan at 6.00%—the lowest unsecured rate—and the Solar Loan at 8.24%, held steady. Members should compare fixed-rate options and assess secured versus unsecured loans based on their credit needs and repayment plans.

LendMesh

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Conclusion

As you plan your next financial move, remember that securing the lowest possible APR can save you hundreds or even thousands over the life of your loan. If debt consolidation is on your radar, look closely at share- or certificate-secured loans from Vystar or Gardensavings for their unbeatable 2% rates. Those seeking flexible borrowing should consider personal lines of credit with competitive fixed rates around 9-10%. Always check if your credit union offers specialty loans tailored to your needs—like holiday or energy-efficient loans—that often come with lower costs and added benefits. Since rates have remained stable recently, now is an excellent time to lock in terms before any market shifts occur. Keep an eye on upcoming newsletters to catch fresh updates and new offers—your best financial future starts with staying informed and acting decisively!