Introduction
As of June 27, 2025, credit unions across the country continue to offer some of the most competitive personal loan rates available, making this a great time for members looking to manage debt, cover unexpected expenses, or plan for life’s big moments. The standout opportunity today is the impressively low 2.0% APR on certificate secured loans offered by multiple credit unions including Texas Dow Employees, Liberty, Randolph Brooks, Vystar, and Global. For those interested in unsecured borrowing options, Redstone’s signature loans at just 11.39% to 11.59% APR provide a solid balance of affordability and flexibility. If you’re seeking short-term solutions like paycheck advances or lines of credit, University of Wisconsin’s offerings remain steady but carry higher rates in the double digits. Meanwhile, credit builder loans at Redstone and Knoxville TVA Employees boast rates as low as 1.0% and 2.15%, respectively—excellent for members focused on improving their credit health. With no significant rate changes reported over recent weeks, now is an ideal moment to explore these dependable rates and find a personal loan that fits your unique financial goals.
Personal Loans
Credit Union
Product
2025-06-27
(Current Day)
(Current Day)
2025-06-12
(15 Days Ago)
(15 Days Ago)
2025-06-20
(7 Days Ago)
(7 Days Ago)
University Of Wisconsin
Paycheck advance
21.75
University Of Wisconsin
Reserve line of credit
14.5
University Of Wisconsin
Unsecured loan
12.23
Redstone
Credit builder
1
Redstone
Home equity line of credit - classic
8.125
Redstone
Personal line of credit/overdraft
12.64
Redstone
Personal stretch and save*
17
Redstone
Personal unsecured signature - 60 months
11.39
Redstone
Personal unsecured signature - 72 months
11.59
Redstone
Share secured
3
Texas Dow Employees
Cash $tash line of credit
9.74
Texas Dow Employees
Certificate of deposit secured loan
2
Texas Dow Employees
Home advantage loan
8.99
Texas Dow Employees
Personal loan
7.74
Texas Dow Employees
Share secured loan
2
Liberty
Certificate pledge
2
Liberty
Computer and non-titled collateral
8.55
Liberty
Home improvement
10.39
Liberty
Line of credit / overdraft protection
11.5
Liberty
Personal loan
9.59
Liberty
Share pledge
2.05
Randolph Brooks
Certificate secured
2
Randolph Brooks
Line of credit
11.95
Randolph Brooks
Share secured
2
Randolph Brooks
Signature loan
12.15
Vystar
Adoption line of credit
8.99
8.99
8.99
Vystar
Certificate secured
2
2
2
Vystar
Personal line of credit
15.24
15.24
15.24
Vystar
Personal loans
10
10
10
Vystar
Savings secured
2
2
2
Global
Credit line rates
13.5
Global
Misc. item and equipment loan rates
7.5
Global
Pledge of certificates (secured) loan rates
2
Global
Pledge of shares (secured) loan rates
2.1
Global
Signature (unsecured) loan rates
14.9
Apple
Educator line of credit
7.5
Apple
First responder line of credit
7.5
Apple
Savings secured
3
Apple
Savings secured certificate
2
Apple
Signature line of credit
11.74
Apple
Signature loan
9.99
Knoxville Tva Employees
Credit builder loan variable rate
2.15
Knoxville Tva Employees
Share secured variable rate
2.15
Knoxville Tva Employees
Signature loan fixed rate
8.99
Knoxville Tva Employees
Signature loan variable rate
13.42
Bellco
Cd secured - variable
2.5
Bellco
Choiceline - fixed
8
Bellco
Choiceline - variable
7.5
Bellco
Personal line of credit - variable
17.15
Bellco
Personal loan - fixed
10.99
Bellco
Share-secured loan - variable
2.5
University Of Wisconsin
As of June 27, 2025, University Of Wisconsin offers a lowest APR of 12.23% on the Unsecured loan, providing an affordable option for members seeking flexible borrowing without collateral. New to the product lineup, the Paycheck advance at 21.75% APR and the Reserve line of credit at 14.5% APR have no prior data for trend comparison but present distinct choices for short-term cash needs and revolving credit access. Members should compare these rates carefully based on their borrowing goals—those needing predictable monthly payments might prefer fixed-rate unsecured loans, while others valuing flexibility may consider the line of credit option.
Redstone
As of June 27, 2025, Redstone’s Credit Builder Loan offers the lowest APR at 1.0%, ideal for members building credit affordably. Among unsecured options, the Personal Unsecured Signature Loan rates are 11.39% (60 months) and 11.59% (72 months), providing competitive fixed terms for longer commitments. The Share Secured Loan stands at a low 3.0% APR, benefiting members leveraging savings as collateral. Other flexible products include the Home Equity Line of Credit - Classic at 8.125% APR and the Personal Line of Credit/Overdraft at 12.64% APR. Given stable rates, members should compare fixed and variable options based on their borrowing horizon and repayment ability for optimal financial planning.
Texas Dow Employees
As of June 27, 2025, Texas Dow Employees credit union offers competitive personal loan rates with no recent changes to report. The Certificate of deposit secured loan and Share secured loan provide the lowest APR at 2.0%, ideal for members seeking low-cost, secured borrowing options. For unsecured needs, the Personal loan stands at a reasonable 7.74% APR, while the Home advantage loan is slightly higher at 8.99%. The flexible Cash $tash line of credit carries an APR of 9.74%, suitable for ongoing access to funds. Members should compare these products based on security and rate preferences and consider fixed-rate loans for payment predictability.
Liberty
As of June 27, 2025, Liberty’s personal loan rates show stable offerings with no prior data for trend comparison. The Certificate Pledge Loan offers the lowest APR at 2.00%, ideal for members seeking secured borrowing with minimal cost. The Share Pledge Loan follows closely at 2.05% APR, also providing a low-rate secured option. For unsecured borrowing, the Personal Loan stands at 9.59% APR, suitable for general needs, while the Home Improvement Loan is slightly higher at 10.39% APR. Members should review these fixed rates carefully and consider secured loans for lower interest or unsecured products for flexible use depending on their financial goals.
Randolph Brooks
As of June 27, 2025, Randolph Brooks offers competitive personal loan rates with Certificate secured and Share secured loans at the lowest APR of 2.0%, ideal for members seeking low-cost borrowing backed by savings. The Line of credit stands at 11.95% APR, providing flexible access to funds without fixed terms. Meanwhile, the Signature loan carries a slightly higher rate at 12.15% APR, suitable for straightforward, unsecured borrowing needs. Since no prior data is available for trend comparison, members should carefully compare these options based on their borrowing goals and consider fixed-rate products like secured loans for payment predictability.
Vystar
As of June 27, 2025, Vystar’s personal loan rates remain steady across all products, with no changes in APR over the past 7, 15, or 30 days. The Certificate secured and Savings secured loans offer the lowest APR at 2.0%, ideal for members seeking low-cost, collateral-backed borrowing. For unsecured needs, the Personal loans carry a competitive rate of 10.0%, while the Adoption line of credit stands at 8.99%, providing flexible support for growing families. The Personal line of credit remains higher at 15.24%, suited for those needing revolving credit access. Members should compare fixed-rate versus variable options to align borrowing with financial goals and payment certainty.
Global
As of June 27, 2025, Global’s personal loan rates introduce several options with competitive APRs. The lowest rate is on the Pledge of certificates (secured) loan at 2.0%, closely followed by the Pledge of shares (secured) loan at 2.1%, ideal for members seeking low-cost secured borrowing. The Miscellaneous item and equipment loan offers a moderate 7.5% APR, while unsecured borrowing through the Signature loan stands at 14.9%, reflecting typical unsecured rates. The newly listed Credit line rate at 13.5% provides flexible access but at a higher cost than secured loans. Members should compare these fixed-rate products carefully to match their financial needs and consider secured options for lower APRs and predictable payments.
Apple
As of June 27, 2025, Apple Credit Union’s personal loan rates remain stable with no recent changes reported. The most affordable borrowing options include the Savings secured certificate at 2.0% APR, the lowest rate available, ideal for members seeking low-risk secured loans. For unsecured needs, the Signature loan offers a competitive 9.99% APR, while the Signature line of credit stands at 11.74% APR. Specialized lines of credit for Educators and First responders are both fixed at 7.5% APR, providing tailored support for these professions. Members should compare secured versus unsecured products based on their collateral preferences and payment certainty needs.
Knoxville Tva Employees
As of June 27, 2025, Knoxville Tva Employees Credit Union offers competitive personal loan rates with no recent changes reported. The Credit builder loan variable rate and Share secured variable rate both stand at a low 2.15% APR, making them the most affordable options for members seeking to build credit or leverage savings as collateral. For unsecured borrowing, the Signature loan fixed rate is a stable 8.99% APR, while the Signature loan variable rate is higher at 13.42% APR. Members prioritizing payment certainty may consider the fixed-rate signature loan; those leveraging assets should review share secured loans for lower costs. Compare terms carefully to match your financial goals.
Bellco
As of June 27, 2025, Bellco’s personal loan rates show stable pricing with no prior data for trend comparison. The lowest APRs are on Cd secured - variable and Share-secured loan - variable, both at a competitive 2.5%, ideal for members seeking low-risk, secured borrowing. For flexible borrowing, the Choiceline - variable rate stands at 7.5%, while the fixed-rate Choiceline is slightly higher at 8.0%, offering payment predictability. Unsecured borrowing through the Personal loan - fixed carries an APR of 10.99%, and the Personal line of credit - variable is at 17.15%, suitable for short-term needs but at a higher cost.
Members should compare secured versus unsecured options based on their risk tolerance and repayment plans, and consider fixed rates for budgeting certainty when preferred.
LendMesh
You don’t need to settle for the first offer that pops up online. At LendMesh, we’ve built a platform that lets you explore multiple personal loan offers from trusted banks and credit unions—all in one spot. Whether it’s a planned expense or a sudden surprise, we help you make smart decisions quickly. Compare today at https://www.lendmesh.com/loans/personal_loans and choose what’s right for you.
Conclusion
Whether you’re consolidating debt, preparing for an emergency fund, or financing a major purchase, it pays to shop smart—and stay informed on today’s best credit union rates. Remember that secured loans like certificate-backed products often provide the lowest APRs, making them a cost-effective choice if you have savings or assets to leverage. For those prioritizing flexibility without collateral, signature loans with competitive fixed terms can be a great option—just be sure to compare offers carefully. Don’t overlook credit builder loans if improving your credit score is part of your plan; starting with rates as low as 1.0% can set you on the right path without breaking the bank. Keep an eye on your local credit union’s offerings and revisit these rates next week—you never know when new opportunities will arise! Taking proactive steps now could save you money and stress down the road.