Introduction

As of July 4, 2025, credit union members have some fantastic opportunities to access low-cost personal loans tailored to a variety of needs. If you’re looking for the absolute lowest APR, secured loan options shine this week with rates as low as 2.0%, offered by several credit unions including Texas Dow Employees, Randolph Brooks, and Global Credit Union on certificate and share-secured loans. These ultra-competitive rates make secured loans an excellent choice for those seeking affordable borrowing with collateral. For unsecured options, rates remain steady with University of Wisconsin’s unsecured loan at 12.23% and Apple’s signature loan at 9.99%, offering solid alternatives if you don’t want to tie up assets. Notably, no rate changes have occurred in the past month, so you can confidently explore these offerings knowing the market is stable. Whether you need a paycheck advance, a line of credit for emergencies, or a personal loan for debt consolidation or big life events, today’s data highlights multiple paths to smart borrowing—especially through secured loans boasting some of the lowest APRs available nationwide.

Personal Loans

Credit Union
Product
2025-07-04
(Current Day)
2025-06-19
(15 Days Ago)
2025-06-04
(30 Days Ago)
2025-05-20
(45 Days Ago)
2025-05-05
(60 Days Ago)
2025-06-27
(7 Days Ago)
University Of Wisconsin
Paycheck advance
21.75
21.75
University Of Wisconsin
Reserve line of credit
14.5
14.5
University Of Wisconsin
Unsecured loan
12.23
12.23
Texas Dow Employees
Cash $tash line of credit
9.74
9.74
Texas Dow Employees
Certificate of deposit secured loan
2
2
Texas Dow Employees
Home advantage loan
8.99
8.99
Texas Dow Employees
Personal loan
7.74
7.74
Texas Dow Employees
Share secured loan
2
2
Randolph Brooks
Certificate secured
2
2
Randolph Brooks
Line of credit
11.95
11.95
Randolph Brooks
Share secured
2
2
Randolph Brooks
Signature loan
12.15
12.15
Global
Credit line rates
13.5
13.5
Global
Misc. item and equipment loan rates
7.5
7.5
Global
Pledge of certificates (secured) loan rates
2
2
Global
Pledge of shares (secured) loan rates
2.1
2.1
Global
Signature (unsecured) loan rates
14.9
14.9
Apple
Educator line of credit
7.5
7.5
Apple
First responder line of credit
7.5
7.5
Apple
Savings secured
3
3
Apple
Savings secured certificate
2
2
Apple
Signature line of credit
11.74
11.74
Apple
Signature loan
9.99
9.99
Knoxville Tva Employees
Credit builder loan variable rate
2.15
2.15
Knoxville Tva Employees
Share secured variable rate
2.15
2.15
Knoxville Tva Employees
Signature loan fixed rate
8.99
8.99
Knoxville Tva Employees
Signature loan variable rate
13.42
13.42
Bellco
Cd secured - variable
2.5
2.5
Bellco
Choiceline - fixed
8
8
Bellco
Choiceline - variable
7.5
7.5
Bellco
Personal line of credit - variable
17.15
17.15
Bellco
Personal loan - fixed
10.99
10.99
Bellco
Share-secured loan - variable
2.5
2.5
Gardensavings Federal Credit Union
Credit builder loan
2.8
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
9.25
Gardensavings Federal Credit Union
Overdraft protection open-end credit
12.25
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
10.99
Gardensavings Federal Credit Union
Share secured
2.55
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
9.25
Northwest
Line of credit
14.15
14.15
14.15
Northwest
Personal loan
9.99
9.99
9.99
9.99
9.99
9.99
Northwest
Savings secured
2.8
2.8
2.8
Chartway
Line of credit
12.24
12.24
12.24
12.24
12.24
12.24
Chartway
Shared & certificate secured loans
3
3
3
3
3
3
Chartway
Signature loan
11.74
11.74
11.74
11.74
11.74
11.74

University Of Wisconsin

As of July 4, 2025, University Of Wisconsin personal loan rates remain stable with no changes over the past 7 to 30 days. The Unsecured loan offers the lowest APR at 12.23%, ideal for members seeking affordable, flexible borrowing without collateral. The Reserve line of credit and Paycheck advance carry higher rates at 14.5% and 21.75%, respectively, suitable for short-term cash flow needs despite their higher cost. Members should compare products based on loan purpose and rate stability—consider fixed-rate loans like the unsecured option if payment predictability is important.

Texas Dow Employees

As of July 4, 2025, Texas Dow Employees credit union’s personal loan rates remain stable with no changes over the past week. The Certificate of deposit secured loan and Share secured loan offer the lowest APR at a competitive 2.0%, ideal for members seeking low-cost, secured borrowing. For unsecured needs, the Personal loan maintains a steady 7.74% APR, while the Home advantage loan and Cash $tash line of credit hold at 8.99% and 9.74%, respectively. Members should compare secured versus unsecured options carefully based on collateral availability and payment preferences to align borrowing costs with financial goals.

Randolph Brooks

As of July 4, 2025, Randolph Brooks credit union’s personal loan rates remain stable across all products. Both Certificate secured and Share secured loans hold the lowest APR at 2.0%, unchanged over the past week, ideal for members seeking low-cost borrowing backed by collateral. The Line of credit and Signature loan rates are steady at 11.95% and 12.15%, respectively, offering flexible unsecured options without recent rate fluctuations. Members should compare secured versus unsecured loans based on their collateral availability and payment preferences to choose the best fit for financial goals. Consider fixed-rate products for predictable payments.

Global

As of July 4, 2025, Global's personal loan rates remain stable with no changes in the past week. The most affordable option is the Pledge of certificates (secured) loan at 2.0% APR, closely followed by the Pledge of shares (secured) loan at 2.1% APR, ideal for members seeking low-cost, secured borrowing. For unsecured needs, the Signature loan carries a 14.9% APR, while the Credit line rate stands at 13.5% APR—both unchanged recently. Members should compare secured versus unsecured options based on collateral availability and payment flexibility, considering fixed-rate loans for predictable budgeting.

Apple

As of July 4, 2025, Apple Credit Union’s personal loan rates remain stable with no changes over the past week. The Savings secured certificate offers the lowest APR at 2.0%, ideal for members seeking low-risk borrowing backed by certificates. For those preferring unsecured options, the Signature loan at 9.99% APR provides competitive fixed rates, while the Signature line of credit stands at 11.74% APR for flexible borrowing. Both educator and first responder lines of credit maintain steady rates at 7.5% APR, supporting frontline professionals. Members should compare fixed versus revolving credit terms to match their financial goals effectively.

Knoxville Tva Employees

As of July 4, 2025, Knoxville Tva Employees credit union’s personal loan rates remain stable with no changes in the past 7 to 30 days. The lowest APR available is 2.15% on both the Credit builder loan variable rate and the Share secured variable rate, ideal for members seeking affordable credit building or secured borrowing options. The Signature loan fixed rate holds steady at 8.99%, offering predictable payments for those preferring fixed terms, while the Signature loan variable rate remains at 13.42%, suited for borrowers comfortable with potential rate fluctuations. Members should compare these rates carefully based on their borrowing goals and risk tolerance.

Bellco

As of July 4, 2025, Bellco's personal loan rates remain stable with no changes across all products in the past 7 to 30 days. The lowest APR is tied between the CD secured - variable and Share-secured loan - variable at a competitive 2.5%, ideal for members seeking low-cost borrowing with collateral. For unsecured options, the Personal loan - fixed holds steady at 10.99%, providing predictable payments, while flexible borrowing is available via the Personal line of credit - variable at 17.15%. Members should compare fixed and variable rates carefully based on their repayment preferences and risk tolerance.

Gardensavings Federal Credit Union

As of July 4, 2025, Gardensavings Federal Credit Union’s personal loan rates remain steady across all products with no changes in the last 30 days. The Share secured loan offers the lowest APR at a competitive 2.55%, ideal for members seeking low-risk borrowing. For those building credit, the Credit builder loan maintains a consistent 2.8% APR. Unsecured borrowing options like the Personal loan (including debt consolidation) hold at 10.99% APR, suitable for debt consolidation needs. Members should review their borrowing goals and consider fixed-rate options like these to ensure predictable payments aligned with their financial plans.

Northwest

As of July 4, 2025, Northwest credit union’s personal loan rates remain stable. The Personal loan maintains a consistent 9.99% APR, offering predictable unsecured borrowing costs. The Line of credit holds steady at 14.15% APR, suitable for flexible borrowing needs despite a higher rate. For members seeking the lowest cost, the Savings secured loan features the lowest APR at 2.8%, ideal for those able to leverage savings as collateral. Consider comparing these options based on your financial goals and risk tolerance. Fixed-rate loans like the Personal loan provide payment certainty, while lines of credit offer adaptability.

Chartway

As of July 4, 2025, Chartway’s personal loan rates remain stable with no changes in the past 30 days. The Shared & certificate secured loans continue to offer the lowest APR at 3.0%, ideal for members seeking low-cost borrowing backed by savings or certificates. For unsecured options, the Signature loan holds steady at 11.74% APR, while the Line of credit remains at 12.24% APR. Members aiming for predictable payments may consider fixed-rate Signature loans, whereas those needing flexible access might explore the Line of credit. Reviewing your borrowing goals against these consistent rates can help identify the best fit for your financial needs.

LendMesh

Whether it’s funding a wedding, fixing the roof, or getting ahead of bills, personal loans give you room to breathe. At LendMesh, we help you find flexible options from lenders who actually care—no complicated forms, just honest guidance and rate comparisons. Let us take the guesswork out of borrowing. Visit https://www.lendmesh.com/loans/personal_loans and see how LendMesh puts your goals first.

Conclusion

When planning your next financial move—whether consolidating debt, handling unexpected expenses, or investing in a major purchase—remember that choosing the right loan program can save you hundreds or even thousands in interest. Secured loans with rates starting at just 2.0% APR present an outstanding opportunity if you have collateral to offer. For those who prefer unsecured options, keep an eye on signature loans hovering around 9-12%, which balance convenience and cost effectively. Since rates have remained steady over the past month, now is a great time to lock in favorable terms before any shifts occur. Always compare programs carefully and consider your ability to repay comfortably. Most importantly, stay proactive—check your credit union’s latest rates regularly and reach out with questions to find personalized solutions that fit your unique financial goals. Your best borrowing decision starts with informed choices today!