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
| Lender | Product | 2025-07-04 Current | 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 |
|---|---|---|---|---|---|---|---|
| Texas Dow EmployeesLOWEST | Certificate of deposit secured loan | 2% | N/A | N/A | N/A | N/A | 2% |
| Texas Dow EmployeesLOWEST | Share secured loan | 2% | N/A | N/A | N/A | N/A | 2% |
| Randolph BrooksLOWEST | Certificate secured | 2% | N/A | N/A | N/A | N/A | 2% |
| Randolph BrooksLOWEST | Share secured | 2% | N/A | N/A | N/A | N/A | 2% |
| GlobalLOWEST | Pledge of certificates (secured) loan rates | 2% | N/A | N/A | N/A | N/A | 2% |
| AppleLOWEST | Savings secured certificate | 2% | N/A | N/A | N/A | N/A | 2% |
| Global | Pledge of shares (secured) loan rates | 2.1% | N/A | N/A | N/A | N/A | 2.1% |
| Knoxville Tva Employees | Credit builder loan variable rate | 2.15% | N/A | N/A | N/A | N/A | 2.15% |
| Knoxville Tva Employees | Share secured variable rate | 2.15% | N/A | N/A | N/A | N/A | 2.15% |
| Bellco | Cd secured - variable | 2.5% | N/A | N/A | N/A | N/A | 2.5% |
| Bellco | Share-secured loan - variable | 2.5% | N/A | N/A | N/A | N/A | 2.5% |
| Gardensavings Federal Credit Union | Share secured | 2.55% | 2.55% | 2.55% | 2.55% | 2.55% | 2.55% |
| Gardensavings Federal Credit Union | Credit builder loan | 2.8% | 2.8% | 2.8% | 2.8% | 2.8% | 2.8% |
| Northwest | Savings secured | 2.8% | 2.8% | 2.8% | N/A | N/A | N/A |
| Apple | Savings secured | 3% | N/A | N/A | N/A | N/A | 3% |
| Chartway | Shared & certificate secured loans | 3% | 3% | 3% | 3% | 3% | 3% |
| Global | Misc. item and equipment loan rates | 7.5% | N/A | N/A | N/A | N/A | 7.5% |
| Apple | Educator line of credit | 7.5% | N/A | N/A | N/A | N/A | 7.5% |
| Apple | First responder line of credit | 7.5% | N/A | N/A | N/A | N/A | 7.5% |
| Bellco | Choiceline - variable | 7.5% | N/A | N/A | N/A | N/A | 7.5% |
| Texas Dow Employees | Personal loan | 7.74% | N/A | N/A | N/A | N/A | 7.74% |
| Bellco | Choiceline - fixed | 8% | N/A | N/A | N/A | N/A | 8% |
| Texas Dow Employees | Home advantage loan | 8.99% | N/A | N/A | N/A | N/A | 8.99% |
| Knoxville Tva Employees | Signature loan fixed rate | 8.99% | N/A | N/A | N/A | N/A | 8.99% |
| Gardensavings Federal Credit Union | Holiday loan | 9.25% | 9.25% | 9.25% | 9.25% | 9.25% | 9.25% |
| Gardensavings Federal Credit Union | Vacation loan | 9.25% | 9.25% | 9.25% | 9.25% | 9.25% | 9.25% |
| Texas Dow Employees | Cash $tash line of credit | 9.74% | N/A | N/A | N/A | N/A | 9.74% |
| Apple | Signature loan | 9.99% | N/A | N/A | N/A | N/A | 9.99% |
| Northwest | Personal loan | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% |
| Bellco | Personal loan - fixed | 10.99% | N/A | N/A | N/A | N/A | 10.99% |
| Gardensavings Federal Credit Union | Personal loan (including debt consolidation) | 10.99% | 10.99% | 10.99% | 10.99% | 10.99% | 10.99% |
| Apple | Signature line of credit | 11.74% | N/A | N/A | N/A | N/A | 11.74% |
| Chartway | Signature loan | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% |
| Randolph Brooks | Line of credit | 11.95% | N/A | N/A | N/A | N/A | 11.95% |
| Randolph Brooks | Signature loan | 12.15% | N/A | N/A | N/A | N/A | 12.15% |
| University Of Wisconsin | Unsecured loan | 12.23% | N/A | N/A | N/A | N/A | 12.23% |
| Chartway | Line of credit | 12.24% | 12.24% | 12.24% | 12.24% | 12.24% | 12.24% |
| Gardensavings Federal Credit Union | Overdraft protection open-end credit | 12.25% | 12.25% | 12.25% | 12.25% | 12.25% | 12.25% |
| Knoxville Tva Employees | Signature loan variable rate | 13.42% | N/A | N/A | N/A | N/A | 13.42% |
| Global | Credit line rates | 13.5% | N/A | N/A | N/A | N/A | 13.5% |
| Northwest | Line of credit | 14.15% | 14.15% | 14.15% | N/A | N/A | N/A |
| University Of Wisconsin | Reserve line of credit | 14.5% | N/A | N/A | N/A | N/A | 14.5% |
| Global | Signature (unsecured) loan rates | 14.9% | N/A | N/A | N/A | N/A | 14.9% |
| Bellco | Personal line of credit - variable | 17.15% | N/A | N/A | N/A | N/A | 17.15% |
| University Of Wisconsin | Paycheck advance | 21.75% | N/A | N/A | N/A | N/A | 21.75% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
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.
Customers Also Interested In
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!