Introduction

On July 12, 2025, credit unions continue to offer some of the most competitive personal loan rates available, making now a great time for members to secure financing for everything from debt consolidation to home improvements. If you’re looking for the lowest APRs, secured loans stand out with rates as low as 2.0% at multiple credit unions like Liberty, Randolph Brooks, and Texas Dow Employees. For those interested in signature loans, Redstone offers rates around 11.29% to 11.49%, while Knoxville TVA Employees has a notably low fixed-rate signature loan at 8.99% APR. This week’s data shows stable rates overall, with no major fluctuations over the past 30 days—providing predictability for borrowers planning ahead. Notably, Texas Dow Employees’ Home Advantage Loan saw a slight drop from 8.99% to 7.74%, offering an attractive option for home-related expenses. Whether you need a short-term credit builder loan or a longer-term personal line of credit, today’s offerings highlight strong opportunities across various terms and needs.

Personal Loans

Credit Union
Product
2025-07-12
(Current Day)
2025-06-27
(15 Days Ago)
2025-06-12
(30 Days Ago)
2025-05-28
(45 Days Ago)
2025-05-13
(60 Days Ago)
2025-07-05
(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 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 12, 2025, Redstone’s personal loan rates remain stable with no changes over the past 7 and 15 days. The lowest APR is offered by the Credit builder loan at 1.0%, ideal for members aiming to establish or improve credit. For secured borrowing, the Share secured loan holds a steady 3.0% APR, providing a low-cost option for those with collateral. Unsecured signature loans range from 11.29% (60 months) to 11.49% (72 months), with minor rate declines compared to 15 days ago, benefiting members seeking longer repayment terms. Consider comparing fixed-rate options like these to match your financial goals and payment preferences.

Texas Dow Employees

As of July 12, 2025, the Home Advantage Loan APR decreased notably from 8.99% to 7.74%, a drop of 1.25 percentage points (125 bps) over the past month, enhancing affordability for members seeking larger loans with competitive fixed rates. The Personal Loan remains steady at 7.74%, offering consistent unsecured borrowing costs. The lowest APRs are found in secured options: both the Certificate of Deposit Secured Loan and Share Secured Loan hold firm at 2.0%, ideal for members leveraging collateral for minimal rates. Members should review their borrowing goals and consider secured loans for lower costs or fixed-rate products for payment stability.

Ornl

As of July 12, 2025, Ornl's personal loan rates remain stable across all products with no changes over the past 7 to 30 days. The lowest APRs are found in Share certificate secured and Share secured loans, both at 2.0%, ideal for members seeking low-risk, collateral-backed borrowing. For unsecured needs, the Personal loan offers a competitive fixed APR of 9.99%, suitable for general purposes. Members considering flexible borrowing may explore the Personal line of credit at 11.74% APR. Review your financial goals carefully and compare these fixed and variable options to select terms aligned with your repayment capacity and risk tolerance.

Liberty

As of July 12, 2025, Liberty’s personal loan rates remain stable with no changes in the past 30 days. The Certificate pledge loan offers the lowest APR at 2.00%, ideal for members seeking low-cost secured borrowing. The Share pledge closely follows at 2.05% APR, another attractive secured option. For unsecured borrowing, the standard Personal loan maintains a steady 9.59% APR, suitable for general financing needs. Members considering flexible access can review the Line of credit / overdraft protection at 11.50% APR. Compare these fixed-rate and variable options carefully to align with your financial goals and payment preferences.

Randolph Brooks

As of July 12, 2025, Randolph Brooks maintains stable personal loan rates with no changes over the past 30 days. The Certificate secured and Share secured loans offer the lowest APRs at 2.0%, ideal for members seeking affordable borrowing backed by savings or certificates. For unsecured options, the Signature loan remains steady at 12.15% APR, while the Line of credit holds at 11.95% APR, providing flexible access to funds. Members should compare secured versus unsecured products based on their collateral preferences and consider fixed-rate loans like these for predictable payments.

Affinity

As of July 12, 2025, Affinity’s personal loan rates remain stable with no changes over the past 30 days. The Certificate secured loan offers the lowest APR at 2.0%, ideal for members seeking low-risk borrowing. Similarly low is the Shared secured loan at 2.75%, providing affordable options for those with collateral. For unsecured borrowing, the Personal loan and Debt consolidation loan maintain competitive rates at 12.5% and 13.25%, respectively, benefiting members aiming to manage or consolidate debt. The Student loan consolidation program holds a favorable rate of 4.99%, supporting education debt refinancing. Members should compare fixed-rate products to align borrowing costs with their financial goals.

Apple

As of July 12, 2025, all Apple Credit Union personal loan APRs remain stable with no changes over the past 30 days. The Savings secured certificate offers the lowest rate at 2.00% APR, ideal for members seeking low-risk borrowing backed by certificates. The Savings secured loan also provides a competitive 3.00% APR for those leveraging savings collateral. Unsecured options like the Signature loan at 9.99% APR and the Signature line of credit at 11.74% APR suit members needing flexible funds without collateral. Specialized lines of credit for educators and first responders both hold steady at 7.5% APR. Members should compare these fixed-rate products carefully to align borrowing costs with their financial goals.

Knoxville Tva Employees

As of July 12, 2025, Knoxville Tva Employees personal loan rates remain stable with no changes over the past 30 days. The Credit builder loan variable rate and Share secured variable rate both hold the lowest APR at a consistent 2.15%, ideal for members seeking affordable, low-risk borrowing or building credit. For unsecured options, the Signature loan fixed rate stays steady at 8.99%, offering payment certainty, while the Signature loan variable rate remains higher at 13.42%. Members should carefully compare these products based on fixed versus variable terms to align borrowing costs with financial goals.

Bellco

As of July 12, 2025, Bellco's personal loan rates remain stable with no changes over the past 30 days. The lowest APRs are on secured options: both the CD secured – variable and Share-secured loan – variable at a competitive 2.5%, ideal for members seeking low-cost borrowing backed by assets. For flexible borrowing, the Personal line of credit – variable holds steady at 17.15%, while fixed-rate products like the Choiceline – fixed and Personal loan – fixed offer predictable payments at 8.0% and 10.99%, respectively. Members should compare secured versus unsecured options based on collateral availability and consider fixed rates for payment stability.

Gardensavings Federal Credit Union

As of July 12, 2025, all Gardensavings Federal Credit Union personal loan rates remain steady with no changes over the past 30 days. The lowest APR is on the Share secured loan at 2.55%, ideal for members with savings looking for low-cost borrowing. The Credit builder loan at 2.8% APR supports those building credit affordably. Unsecured options like the Personal loan (including debt consolidation) at 10.99% APR and fixed-rate Holiday and Vacation loans at 9.25% APR offer predictable costs for planned expenses. Members should compare fixed and secured rates carefully based on their financial goals and credit profile to choose the most suitable borrowing option.

LendMesh

You don’t need to wait until ‘someday’ to take care of what matters. Whether it’s replacing a water heater, catching up on bills, or consolidating debt, a personal loan from LendMesh’s network of lenders could be just what you need. We simplify the process so you can focus on your goals, not the paperwork. Start comparing offers today at https://www.lendmesh.com/loans/personal_loans and make progress feel possible again.

Conclusion

As you consider your financial goals—whether it’s consolidating high-interest debt, managing unexpected expenses, or financing a big life event—remember that choosing the right loan with the lowest APR can save you hundreds or even thousands over time. Secured loans remain some of the best bets for affordability if you have collateral to offer, with several credit unions holding steady at around 2%. For unsecured options, keep an eye on fixed-rate signature loans near 9% to 11%, balancing manageable monthly payments with reasonable terms. If your situation is urgent, act quickly to lock in today’s competitive rates before any changes occur. And if flexibility matters most, lines of credit and overdraft protection programs provide revolving access at fair rates. Make sure to review all program details carefully and compare your options regularly—checking back next week could uncover new opportunities as market conditions evolve. Your financial future deserves thoughtful choices backed by trusted credit union partners.