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)
(Current Day)
2025-06-27
(15 Days Ago)
(15 Days Ago)
2025-06-12
(30 Days Ago)
(30 Days Ago)
2025-05-28
(45 Days Ago)
(45 Days Ago)
2025-05-13
(60 Days Ago)
(60 Days Ago)
2025-07-05
(7 Days Ago)
(7 Days Ago)
Credit builder
1
1
1
Home equity line of credit - classic
8.125
8.125
8.125
Personal line of credit/overdraft
12.78
12.64▼ 14 bps
12.78
Personal stretch and save*
17
17
17
Personal unsecured signature - 60 months
11.29
11.39▲ 10 bps
11.29
Personal unsecured signature - 72 months
11.49
11.59▲ 10 bps
11.49
Share secured
3
3
3
Cash $tash line of credit
9.74
9.74
9.74
Certificate of deposit secured loan
2
2
2
Home advantage loan
7.74
8.99▲ 125 bps
8.99▲ 125 bps
Personal loan
7.74
7.74
7.74
Share secured loan
2
2
2
Personal
9.99
9.99
Personal line of credit
11.74
11.74
Secured loans (auto, motorcycle & atv)
5.99
5.99
Secured loans (boat & rv)
8.29
8.29
Share certificate secured
2
2
Share secured
2
2
Certificate pledge
2
2
2
Computer and non-titled collateral
8.55
8.55
8.55
Home improvement
10.39
10.39
10.39
Line of credit / overdraft protection
11.5
11.5
11.5
Personal loan
9.59
9.59
9.59
Share pledge
2.05
2.05
2.05
Certificate secured
2
2
2
Line of credit
11.95
11.95
11.95
Share secured
2
2
2
Signature loan
12.15
12.15
12.15
Certificate secured loan
2
2
Debt consolidation loan
13.25
13.25
Personal loan
12.5
12.5
Privateline overdraft protection
14.75
14.75
Shared secured loan
2.75
2.75
Student loan consolidation program
4.99
4.99
Educator line of credit
7.5
7.5
7.5
First responder line of credit
7.5
7.5
7.5
Savings secured
3
3
3
Savings secured certificate
2
2
2
Signature line of credit
11.74
11.74
11.74
Signature loan
9.99
9.99
9.99
Credit builder loan variable rate
2.15
2.15
2.15
Share secured variable rate
2.15
2.15
2.15
Signature loan fixed rate
8.99
8.99
8.99
Signature loan variable rate
13.42
13.42
13.42
Cd secured – variable
2.5
2.5
Choiceline – fixed
8
8
Choiceline – variable
7.5
7.5
Personal line of credit – variable
17.15
17.15
Personal loan – fixed
10.99
10.99
Share-secured loan – variable
2.5
2.5
Credit builder loan
2.8
2.8
2.8
2.8
2.8
2.8
Holiday loan
9.25
9.25
9.25
9.25
9.25
9.25
Overdraft protection open-end credit
12.25
12.25
12.25
12.25
12.25
12.25
Personal loan (including debt consolidation)
10.99
10.99
10.99
10.99
10.99
10.99
Share secured
2.55
2.55
2.55
2.55
2.55
2.55
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.