Introduction

As of June 20, 2025, credit union members have plenty to smile about with several standout personal loan options offering competitive rates. For those looking to build or rebuild credit, Gardensavings Federal Credit Union’s Credit Builder Loan at an exceptionally low 2.8% APR remains a top choice—steady and reliable over the past month. If you’re considering secured loans, the share-secured programs from Gardensavings (2.55%) and North West Federal (2.8%) provide some of the most affordable borrowing opportunities available today. For everyday personal loans, North West Federal and Connexus both offer attractive unsecured rates at 9.99% APR, perfect for debt consolidation or big life events. Meanwhile, San Francisco Federal Credit Union shines with tiered personal loan rates starting as low as 4.99% for terms up to 12 months, ideal for shorter-term needs. Across the board, rates have remained stable over the last 30 days, giving borrowers confidence in consistent pricing as they plan ahead. Whether you need a quick boost, a vacation loan, or funds for home improvements, today’s rate landscape offers smart solutions tailored to your financial goals.

Personal Loans

Credit Union
Product
2025-06-20
(Current Day)
2025-06-05
(15 Days Ago)
2025-05-21
(30 Days Ago)
2025-05-06
(45 Days Ago)
2025-06-13
(7 Days Ago)
Gardensavings Federal Credit Union
Credit builder loan
2.8
2.8
2.8
2.8
2.8
Gardensavings Federal Credit Union
Holiday loan
9.25
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
12.25
Gardensavings Federal Credit Union
Personal loan (including debt consolidation)
10.99
10.99
10.99
10.99
10.99
Gardensavings Federal Credit Union
Share secured
2.55
2.55
2.55
2.55
2.55
Gardensavings Federal Credit Union
Vacation loan
9.25
9.25
9.25
9.25
9.25
North West Federal Credit Union
Line of credit
14.15
14.15
14.15
14.15
North West Federal Credit Union
Personal loan
9.99
9.99
9.99
9.99
9.99
North West Federal Credit Union
Savings secured
2.8
2.8
2.8
2.8
Chartway Credit Union
Line of credit
12.24
12.24
12.24
12.24
12.24
Chartway Credit Union
Shared & certificate secured loans
3
3
3
3
3
Chartway Credit Union
Signature loan
11.74
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
11.75
State Department Federal Credit Union
Share secured loan
3.05
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
9.25
Nc State Employee Credit Union
Share-secured
3.1
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
6.5
Nc State Employee Credit Union
Signature term note
11.75
11.75
11.75
11.75
11.75
Caped Credit Union
Lines of credit rates
12.45
12.45
13.45▲ 100 bps
Caped Credit Union
Share secure loan rates
3.49
3.49
3.49
3.49
3.49
Caped Credit Union
Signature loan rates
11.84
11.84
11.84
11.74▼ 10 bps
11.84
Digital Federal Credit Union
Access loan rates
10.85
10.85
10.85
10.85
10.85
Digital Federal Credit Union
Credit builder loans
5
5
5
5
5
Digital Federal Credit Union
Energy efficient loan – fixed rate
8.75
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
8.25
Digital Federal Credit Union
Quick loan rates
17.99
17.99
17.99
17.99
17.99
Digital Federal Credit Union
Savings secured loans
3.5
3.5
3.5
3.5
3.5
Digital Federal Credit Union
Traditional signature loans
11.99
11.99
11.99
11.99
11.99
Connexus Credit Union
Personal line of credit (flex)
13.49
13.49
13.49
13.49
13.49
Connexus Credit Union
Personal line of credit (flexplus)
11.99
11.99
11.99
11.99
11.99
Connexus Credit Union
Savings secured loan
4.02
4.02
4.02
4.1▲ 8 bps
4.02
Connexus Credit Union
Secured
5.24
5.24
5.24
5.24
5.24
Connexus Credit Union
Unsecured personal loan
9.99
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
4.99
San Francisco Federal Credit Union
Personal loan 13-24 months
8.7
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
8.75
San Francisco Federal Credit Union
Personal loan 37-48 months
8.8
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
8.85
San Francisco Federal Credit Union
Personal loan 61-72 months
8.95
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
9.34
Affinity Plus Federal Credit Union
Bicycle loan
8.49
8.49
8.49
8.49
8.49
Affinity Plus Federal Credit Union
Credit builder loan
6
6
6
6
6
Affinity Plus Federal Credit Union
Holiday loan
10.24
10.24
10.24
10.24
10.24
Affinity Plus Federal Credit Union
Homeowner debt consolidation
10.74
10.74
11.24▲ 50 bps
11.24▲ 50 bps
10.74
Affinity Plus Federal Credit Union
Homeowner personal loan
9.99
9.99
10.49▲ 50 bps
10.49▲ 50 bps
9.99
Affinity Plus Federal Credit Union
Personal line of credit
14.99
14.99
14.99
14.99
14.99
Affinity Plus Federal Credit Union
Personal unsecured
11.24
11.24
11.24
11.24
11.24
Affinity Plus Federal Credit Union
Solar loan
8.24
8.24
8.24
8.24
8.24

Gardensavings Federal Credit Union

As of June 20, 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. For unsecured needs, the Credit builder loan holds a competitive 2.8% APR, supporting first-time borrowers aiming to build credit. The Personal loan (including debt consolidation) remains steady at 10.99% APR, suitable for those consolidating debt with fixed rates. Members should compare these options carefully based on credit goals and risk tolerance and consider fixed-rate products if payment predictability is a priority.

North West Federal Credit Union

As of June 20, 2025, North West Federal Credit Union maintains steady personal loan rates with no changes over the past 30 days. The Personal loan holds a consistent 9.99% APR, offering a competitive unsecured borrowing option. The Line of credit remains at 14.15% APR, suitable for members needing flexible access to funds. For secured borrowing, the Savings secured loan presents the lowest rate at 2.8% APR, ideal for members leveraging savings to reduce interest costs. Members should compare these products based on their borrowing needs and consider fixed-rate loans like the Personal loan for payment predictability.

Chartway Credit Union

As of June 20, 2025, Chartway Credit Union maintains stable personal loan rates with no changes in the past 30 days. The Shared & certificate secured loans offer the lowest APR at a consistent 3.00%, ideal for members seeking low-cost borrowing secured by savings. For unsecured options, the Signature loan holds steady at 11.74% APR, while the Line of credit remains at 12.24% APR, providing flexible access to funds. Members should compare these fixed-rate and revolving credit options carefully to match borrowing needs and consider secured loans for lower rates or lines of credit for ongoing flexibility.

State Department Federal Credit Union

As of June 20, 2025, State Department Federal Credit Union maintains stable rates with no changes over the past 30 days. The Moneyline line-of-credit holds steady at 11.75% APR, suitable for members seeking flexible borrowing without collateral. Meanwhile, the Share secured loan offers the lowest available rate at a consistent 3.05% APR, ideal for those leveraging savings to secure affordable financing. Members should compare these options based on collateral preference and repayment flexibility, and consider fixed-rate products like the share secured loan for predictable monthly payments.

Nc State Employee Credit Union

As of June 20, 2025, Nc State Employee Credit Union personal loan rates remain stable with no changes over the past 30 days. The Share-secured loan holds the lowest APR at 3.1%, ideal for members seeking low-cost borrowing secured by their shares. The Closed-end fixed rate and Signature term note both maintain steady rates at 9.25% and 11.75%, respectively, offering predictable payments for fixed-term borrowing. The Share-secured term note stands at 6.5%, balancing secured loan benefits with a moderate rate. Members should compare fixed and secured options carefully to match their financial goals and risk tolerance.

Caped Credit Union

As of June 20, 2025, Caped Credit Union’s personal loan rates remain stable with no changes over the past 30 days. The Share Secure Loan holds the lowest APR at 3.49%, ideal for members seeking low-cost, secured borrowing. The Signature Loan rate stays steady at 11.84%, suitable for general unsecured needs. Meanwhile, the Lines of Credit maintain a consistent APR of 12.45%, offering flexible access to funds. Members should compare these fixed-rate options based on their borrowing goals and consider secured loans for lower rates when possible.

Digital Federal Credit Union

As of June 20, 2025, Digital Federal Credit Union personal loan rates remain stable with no changes over the past 30 days. The most affordable unsecured option is the Credit builder loan at 5.0% APR, ideal for members building or improving credit. For secured borrowing, the Savings secured loan offers the lowest rate at 3.5% APR. Fixed-rate options like the Energy efficient loan (8.75%) and Fuel assistance loan (8.25%) provide payment predictability. Members should compare unsecured and secured products based on credit needs and consider fixed rates for budgeting certainty.

Connexus Credit Union

As of June 20, 2025, all Connexus Credit Union personal loan rates remain steady with no changes in the past 30 days. The most competitive rate is the Savings secured loan at 4.02% APR, ideal for members seeking low-cost borrowing secured by savings. The Secured loan at 5.24% APR offers another affordable option for those with collateral. For unsecured needs, the Unsecured personal loan at 9.99% APR provides a fixed-rate choice, while flexible borrowing is available through the Personal line of credit (flexplus) at 11.99% APR and flex at 13.49% APR. Members should compare these options based on their credit profile and borrowing goals to select terms that best match their financial plans.

San Francisco Federal Credit Union

As of June 20, 2025, San Francisco Federal Credit Union’s personal loan APRs remain stable with no changes over the past 30 days. The most competitive rate is for the Personal loan 1-12 months at 4.99% APR, ideal for members seeking short-term, affordable borrowing. Longer-term loans show slightly higher but steady rates, ranging from 8.7% to 9.34% APR for terms between 13 and 84 months. Members prioritizing payment certainty may benefit from fixed-rate options here. For tailored financial planning, carefully compare terms across available durations to match your repayment capacity and borrowing goals.

Affinity Plus Federal Credit Union

As of June 20, 2025, Affinity Plus Federal Credit Union rates remain mostly steady. 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 seeking to manage existing debt. The Homeowner personal loan also dropped by 0.50 points from 10.49% to 9.99%, offering a competitive option for home-related borrowing. The lowest APR is held by the Credit builder loan at 6.0%, ideal for first-time borrowers building credit. Members should compare fixed-rate loans like these to assess stability and costs aligned with their goals.

LendMesh

You’ve worked hard for your goals—don’t let complicated loan terms slow you down. LendMesh gives you access to competitive personal loan offers from trusted banks and community credit unions. Whether you’re managing debt or investing in a big decision, we make it easy to compare, choose, and apply. Ready to see what’s possible? Start here: https://www.lendmesh.com/loans/personal_loans .

Conclusion

When planning your next financial move—be it consolidating debt, managing unexpected expenses, or investing in a major purchase—taking advantage of today’s lowest APRs on secured and unsecured loans can save you hundreds in interest over time. Remember to match loan terms to your budget; shorter terms like those offered by San Francisco Federal Credit Union can reduce overall costs but may mean higher monthly payments. Don’t overlook share-secured loans if you have savings set aside—they offer some of the lowest rates out there and could be your key to affordable borrowing. As markets remain steady this month, now is a great time to review your options carefully and lock in competitive rates before any seasonal shifts occur. Keep an eye on these credit unions’ offerings and revisit this rate snapshot regularly—your best loan opportunity might just be around the corner!