Introduction
As of July 11, 2025, credit union members have some fantastic loan opportunities to consider. If you’re looking for the lowest APRs, secured loans continue to shine with incredibly competitive rates—share secured loans are available as low as 2.0% APR at multiple credit unions including Liberty, Redstone, and Texas Dow Employees. For those seeking personal loans, options vary but still offer solid deals; Liberty’s personal loan holds steady at 9.59% APR, while Gardensavings Federal Credit Union offers a personal loan for debt consolidation at 10.99% APR with no recent rate changes. Notably, Texas Dow Employees’ Home Advantage Loan saw a drop from 8.99% to 7.74% APR this week, making it an attractive choice for home-related financing. Whether you need a flexible line of credit or a fixed-rate signature loan, there are competitive programs tailored to your needs. Today’s data shows stability across many products with only minor fluctuations—giving members confidence to plan ahead and lock in great rates.
Personal Loans
Credit Union
Product
2025-07-11
(Current Day)
(Current Day)
2025-06-26
(15 Days Ago)
(15 Days Ago)
2025-06-11
(30 Days Ago)
(30 Days Ago)
2025-05-27
(45 Days Ago)
(45 Days Ago)
2025-05-12
(60 Days Ago)
(60 Days Ago)
2025-07-04
(7 Days Ago)
(7 Days Ago)
Redstone
Credit builder
1
1
1
Redstone
Home equity line of credit - classic
8.125
8.125
8.125
Redstone
Personal line of credit/overdraft
12.78
12.64▼ 14 bps
12.78
Redstone
Personal stretch and save*
17
17
17
Redstone
Personal unsecured signature - 60 months
11.29
11.39▲ 10 bps
11.29
Redstone
Personal unsecured signature - 72 months
11.49
11.59▲ 10 bps
11.49
Redstone
Share secured
3
3
3
Texas Dow Employees
Cash $tash line of credit
9.74
9.74
9.74
Texas Dow Employees
Certificate of deposit secured loan
2
2
2
Texas Dow Employees
Home advantage loan
7.74
8.99▲ 125 bps
8.99▲ 125 bps
Texas Dow Employees
Personal line of credit
9.74
Texas Dow Employees
Personal loan
7.74
7.74
7.74
Texas Dow Employees
Share secured loan
2
2
2
Ornl
Personal
9.99
9.99
Ornl
Personal line of credit
11.74
11.74
Ornl
Secured loans (auto, motorcycle & atv)
5.99
5.99
Ornl
Secured loans (boat & rv)
8.29
8.29
Ornl
Share certificate secured
2
2
Ornl
Share secured
2
2
Liberty
Certificate pledge
2
2
2
Liberty
Computer and non-titled collateral
8.55
8.55
8.55
Liberty
Home improvement
10.39
10.39
10.39
Liberty
Line of credit / overdraft protection
11.5
11.5
11.5
Liberty
Personal loan
9.59
9.59
9.59
Liberty
Share pledge
2.05
2.05
2.05
Randolph Brooks
Certificate secured
2
2
2
Randolph Brooks
Line of credit
11.95
11.95
11.95
Randolph Brooks
Share secured
2
2
2
Randolph Brooks
Signature loan
12.15
12.15
12.15
Affinity
Certificate secured loan
2
2
Affinity
Debt consolidation loan
13.25
13.25
Affinity
Personal loan
12.5
12.5
Affinity
Privateline overdraft protection
14.75
14.75
Affinity
Shared secured loan
2.75
2.75
Affinity
Student loan consolidation program
4.99
4.99
Apple
Educator line of credit
7.5
7.5
7.5
Apple
First responder line of credit
7.5
7.5
7.5
Apple
Savings secured
3
3
3
Apple
Savings secured certificate
2
2
2
Apple
Signature line of credit
11.74
11.74
11.74
Apple
Signature loan
9.99
9.99
9.99
Knoxville Tva Employees
Credit builder loan variable rate
2.15
2.15
2.15
Knoxville Tva Employees
Share secured variable rate
2.15
2.15
2.15
Knoxville Tva Employees
Signature loan fixed rate
8.99
8.99
8.99
Knoxville Tva Employees
Signature loan variable rate
13.42
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
Redstone
As of July 11, 2025, Redstone's personal loan rates remain steady with no significant APR changes in the past 7 to 30 days. The Credit builder loan and Share secured loan hold the lowest APRs at 1.0% and 3.0%, respectively, ideal for members building credit or seeking low-risk borrowing. For unsecured borrowing, the Personal unsecured signature loans offer competitive fixed rates of 11.29% (60 months) and 11.49% (72 months) with minimal recent fluctuation. Members should compare fixed and variable-rate products like the Home equity line of credit at 8.125% and the Personal line of credit at 12.78% to match their repayment preferences and financial goals.
Texas Dow Employees
As of July 11, 2025, Texas Dow Employees loan rates remain mostly stable. The Home Advantage Loan saw a notable improvement, with its APR decreasing from 8.99% to 7.74%, a drop of 1.25 percentage points (125 bps) over the past two weeks, enhancing affordability for home-related borrowing. The Cash $tash Line of Credit and Personal Line of Credit hold steady at 9.74% APR, suitable for flexible borrowing needs. The lowest rates are on secured products: both the Certificate of Deposit Secured Loan and Share Secured Loan maintain an attractive 2.0% APR, ideal for members prioritizing low-cost credit.
Members should compare fixed-rate secured loans for cost efficiency or consider unsecured lines if flexibility is key.
Ornl
As of July 11, 2025, all Ornl personal loan rates remain stable with no changes over the past month. The lowest APRs are offered on Share certificate secured and Share secured loans at 2.00%, ideal for members seeking low-cost borrowing backed by savings. Among unsecured options, the Personal loan at 9.99% APR provides affordable fixed-rate terms, while the Personal line of credit at 11.74% APR offers flexible access to funds. For asset-backed borrowing, Secured loans for autos, motorcycles & ATVs at 5.99% APR and boat & RV loans at 8.29% APR remain unchanged. Members should compare these rates against their needs and consider secured options for lower costs or fixed rates for payment certainty.
Liberty
As of July 11, 2025, Liberty’s personal loan rates remain steady across all products with no changes in APR over the past 30 days. The most affordable option is the Certificate pledge loan at a 2.00% APR, closely followed by the Share pledge at 2.05% APR, ideal for members seeking low-cost secured borrowing. For unsecured needs, the standard Personal loan holds a consistent 9.59% APR, while specialized options like Home improvement and Computer and non-titled collateral loans maintain rates above 8.5%. Members should compare these stable rates carefully and consider secured pledges for lowest borrowing costs or fixed-rate loans to ensure predictable payments.
Randolph Brooks
As of July 11, 2025, Randolph Brooks' personal loan rates remain stable with no changes over the past month. The Certificate secured and Share secured loans offer the lowest APR at a consistent 2.0%, ideal for members seeking low-cost borrowing backed by savings. For unsecured options, the Signature loan holds steady at 12.15% APR, while the Line of credit remains unchanged at 11.95% APR, providing flexible access to funds. Members should compare fixed-rate secured loans for predictable payments or consider the line of credit if flexibility is a priority.
Affinity
As of July 11, 2025, Affinity's personal loan rates remain stable with no changes over the past 30 days. The most affordable borrowing option is the Certificate secured loan at a low 2.0% APR, ideal for members seeking secure, cost-effective financing. For those looking to manage existing balances, the Debt consolidation loan and Personal loan both hold steady at 13.25% and 12.5% APR, respectively. Members aiming to protect overdrafts can consider the Privateline overdraft protection at 14.75% APR, while student borrowers benefit from the competitive Student loan consolidation program at 4.99% APR. Review your borrowing goals and compare fixed-rate options for predictable payments tailored to your financial needs.
Apple
As of July 11, 2025, Apple Credit Union’s personal loan rates remain steady with no changes in the past 30 days. The Savings secured certificate offers the lowest APR at a stable 2.0%, ideal for members seeking low-cost, secured borrowing. For flexible credit access, both the Educator line of credit and First responder line of credit maintain a consistent 7.5% APR. Unsecured options include the Signature loan at 9.99% APR and the Signature line of credit at 11.74% APR, providing fixed and revolving credit choices respectively. Members should compare secured versus unsecured products based on their collateral preferences and consider fixed rates for payment certainty.
Knoxville Tva Employees
As of July 11, 2025, Knoxville Tva Employees credit union’s personal loan rates remain steady with no changes over the past 30 days. The Credit builder loan variable rate and Share secured variable rate hold the lowest APR at 2.15%, ideal for members seeking affordable borrowing or building credit. For unsecured borrowing, the Signature loan fixed rate offers predictable payments at 8.99%, while the Signature loan variable rate stands higher at 13.42%. Members should compare these options based on their need for payment stability versus flexibility to choose the best fit for their financial goals.
Bellco
As of July 11, 2025, Bellco’s personal loan rates remain stable with no changes over the past 7 to 30 days. The lowest APRs are on secured products: Cd secured – variable and Share-secured loan – variable, both at a competitive 2.5%. Members seeking flexible borrowing can consider the Choiceline – variable at 7.5% APR, while those preferring payment predictability might look at the Choiceline – fixed or Personal loan – fixed, both steady at 8.0% and 10.99%, respectively. For higher credit needs, the Personal line of credit – variable remains at 17.15% APR. Review your borrowing goals carefully and compare fixed versus variable options based on your risk tolerance and repayment plans.
Gardensavings Federal Credit Union
As of July 11, 2025, Gardensavings Federal Credit Union’s personal loan rates remain stable with no changes over the past 30 days. The lowest APR is offered on the Share secured loan at 2.55%, ideal for members seeking low-risk borrowing. The Credit builder loan holds steady at 2.8% APR, supporting first-time or credit-rebuilding borrowers. Unsecured options like the Personal loan (including debt consolidation) carry a competitive 10.99% APR, suitable for members consolidating debt. Fixed-rate products such as the Holiday and Vacation loans both maintain 9.25% APR. Members should compare these offerings carefully to match their financial goals and consider fixed-rate loans for predictable payments.
LendMesh
Every financial decision tells a story. Maybe you’re investing in yourself, managing a life change, or simply trying to catch your breath. At LendMesh, we make it easy to compare personal loans that support your goals—without drowning you in terms you don’t understand. With banks and credit unions competing for your trust, you’ll find options that feel just right. Visit https://www.lendmesh.com/loans/personal_loans to explore your next chapter.
Conclusion
When considering your next financial move—be it consolidating debt, managing unexpected expenses, or funding a big life event—taking advantage of low secured loan rates can save you significant money over time. Share secured loans hovering around 2% APR offer a smart way to borrow while protecting your savings. For unsecured borrowing, shop around carefully and look for stable personal loan rates like those offered by Liberty or Gardensavings Federal Credit Union to avoid surprises down the road. Remember, even small rate drops like Texas Dow Employees’ home loan can make a big difference on larger amounts or longer terms. Review your credit union’s current rates regularly, because staying informed helps you seize the best deals quickly. Keep an eye on upcoming newsletters next week—we’ll keep tracking these trends so you never miss out on the right opportunity for your financial goals.