Introduction
As of July 18, 2025, credit union members have some standout opportunities to secure low-cost financing tailored to their unique needs. Whether you’re building credit, consolidating debt, or planning a big purchase, today’s rates highlight some of the most competitive offers available. For those looking for the absolute lowest APRs, secured loans shine bright—with multiple credit unions like Texas Dow Employees, Liberty, and Randolph Brooks offering certificate and share secured loans at just 2.0% APR. If unsecured options are more your style, Redstone’s personal unsecured signature loans start at a reasonable 11.29% APR for 60 months. Notably, most rates have remained steady over the past month, giving borrowers confidence in stable lending conditions. For quick access to cash or flexible borrowing, lines of credit from Apple and Texas Dow Employees present solid choices with rates around 7.5% to 9.74%. Whatever your financial goals, today’s data underscores that smart borrowing is within reach, with some of the best deals waiting at your local credit union.
Personal Loans
Credit Union
Product
2025-07-18
(Current Day)
(Current Day)
2025-07-03
(15 Days Ago)
(15 Days Ago)
2025-06-18
(30 Days Ago)
(30 Days Ago)
2025-06-03
(45 Days Ago)
(45 Days Ago)
2025-05-19
(60 Days Ago)
(60 Days Ago)
2025-07-11
(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
12.78
12.78
Personal stretch and save*
17
17
17
Personal unsecured signature - 60 months
11.29
11.29
11.29
Personal unsecured signature - 72 months
11.49
11.49
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
7.74
Personal line of credit
9.74
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 18, 2025, Redstone’s personal loan rates remain stable with no changes in the past 30 days. The lowest APR available is on the Share Secured Loan at 3.0%, ideal for members seeking low-risk borrowing. For unsecured options, the Personal Unsecured Signature Loan (60 months) offers 11.29% APR, slightly lower than the 72-month term at 11.49%. The Credit Builder Loan maintains a consistent 1.0% APR, supporting members building credit affordably. Members should compare fixed-rate options like signature loans for predictable payments and consider secured products for the best rates aligned with their borrowing goals.
Texas Dow Employees
As of July 18, 2025, Texas Dow Employees credit union’s personal loan rates show stability with one notable change. The Home advantage loan APR decreased from 8.99% fifteen days ago to 7.74% today, a significant drop of 1.25 percentage points (125 bps), enhancing affordability for members seeking home-related borrowing. Other products like the Cash $tash line of credit, Personal loan, and both secured loans (Certificate of deposit secured loan and Share secured loan) remain steady, with the lowest APR at 2.0% on secured options. Members should compare fixed and variable rates to align borrowing choices with their financial goals and risk tolerance.
Ornl
As of July 18, 2025, all Ornl personal loan rates remain steady with no changes over the past 7, 15, or 30 days. The lowest APR is offered by both Share certificate secured and Share secured loans at 2.00%, ideal for members seeking low-risk borrowing options. For those needing flexible access to funds, the Personal line of credit at 11.74% APR provides ongoing availability. Members aiming for affordable vehicle financing can consider Secured loans (auto, motorcycle & ATV) at 5.99% or boat & RV loans at 8.29% APR. Review your borrowing goals carefully and compare fixed-rate versus variable options to ensure payment certainty and fit for your financial needs.
Liberty
As of July 18, 2025, Liberty’s personal loan rates remain steady with no changes 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, both ideal for members seeking low-cost secured borrowing. For unsecured needs, the Personal loan holds at 9.59% APR, while Home improvement and Computer and non-titled collateral loans remain stable at 10.39% and 8.55% APR, respectively. Members should compare secured versus unsecured options based on collateral availability and consider fixed-rate products for predictable payments.
Randolph Brooks
As of July 18, 2025, Randolph Brooks personal loan rates remain steady across all products. Both Certificate secured and Share secured loans hold the lowest APR at 2.0%, offering excellent options for members seeking low-cost, secured borrowing. The Line of credit and Signature loan maintain consistent rates at 11.95% and 12.15%, respectively, providing stable choices for unsecured needs. Members prioritizing predictable payments may consider fixed-rate secured loans, while those needing flexible access could evaluate the line of credit. Review your financial goals carefully to select the product best aligned with your borrowing requirements.
Affinity
As of July 18, 2025, Affinity’s personal loan rates remain stable with no changes across all products compared to the past 7, 15, and 30 days. The Certificate secured loan holds the lowest APR at 2.0%, ideal for members seeking low-risk borrowing. The Shared secured loan also offers competitive terms at 2.75% APR. For unsecured needs, the standard Personal loan is steady at 12.5% APR, while the Debt consolidation loan remains at 13.25% APR, suitable for managing existing debt. Members considering education expenses can benefit from the Student loan consolidation program at a fixed 4.99% APR. When evaluating options, compare fixed-rate loans for predictable payments aligned with your financial goals.
Apple
As of July 18, 2025, all Apple credit union personal loan APRs remain stable with no changes over the past 30 days. Members seeking the lowest borrowing cost will find the Savings secured certificate at 2.0% APR, the most affordable option. The Savings secured loan also offers a competitive 3.0% APR for those preferring a secured option with slightly more flexibility. Unsecured options like the Signature loan and Signature line of credit hold steady at 9.99% and 11.74% APR, respectively. For specialized needs, both the Educator line of credit and First responder line of credit maintain an identical rate of 7.5% APR. Compare these fixed rates carefully to select the best fit for your financial goals.
Knoxville Tva Employees
As of July 18, 2025, Knoxville Tva Employees credit union’s personal loan rates remain steady with no changes in the past 30 days. The Credit builder loan variable rate and Share secured variable rate both hold the lowest APR at a competitive 2.15%, ideal for members seeking affordable borrowing or building credit. For unsecured borrowing, the Signature loan fixed rate offers payment certainty at 8.99%, while the Signature loan variable rate stands higher at 13.42%. Members should consider their risk tolerance and loan purpose—fixed rates provide stability, whereas secured or credit builder loans offer lower costs for qualifying borrowers.
Bellco
As of July 18, 2025, Bellco personal loan rates remain stable with no changes over the past 7 to 30 days. The lowest APRs are on secured options: both the Cd secured – variable and Share-secured loan – variable at a competitive 2.5% APR, ideal for members seeking low-cost borrowing backed by collateral. For flexible borrowing, the Personal line of credit – variable holds steady at 17.15% APR, while fixed-rate options like the Choiceline – fixed and Personal loan – fixed offer predictable payments at 8.0% APR and 10.99% APR, respectively. Members should compare secured versus unsecured products based on their credit profile and repayment preferences, considering fixed rates for payment certainty or variable rates for potential savings.
Gardensavings Federal Credit Union
As of July 18, 2025, Gardensavings Federal Credit Union maintains stable personal loan rates with no changes over the past 30 days. The Share secured loan offers the lowest APR at 2.55%, ideal for members seeking affordable, low-risk borrowing. For unsecured options, the Credit builder loan remains competitively low at 2.8%, supporting first-time borrowers building credit. The Personal loan (including debt consolidation) stays steady at 10.99%, suitable for members aiming to manage existing debts. Members should compare fixed-rate products like these to match their financial goals and ensure predictable payments.
LendMesh
A personal loan isn’t just about borrowing money—it’s about creating breathing room. At LendMesh, we believe that access to affordable credit can be life-changing, especially when it’s easy to understand and compare. That’s why we partner with banks and credit unions who put your needs first. Explore flexible loan offers now at https://www.lendmesh.com/loans/personal-loans and find the right fit for your finances.
Conclusion
When considering a personal loan this week, it’s key to focus on what fits your financial picture best. If you’re consolidating debt or managing unexpected expenses, exploring secured loans with APRs as low as 2.0% can save you significant interest over time while building or protecting your credit profile. For those needing longer terms or unsecured options, locking in rates now—before any potential market shifts—makes sense given how steady these offerings have been recently. Remember to review your budget carefully and choose loan terms that won’t stretch you too thin monthly. And don’t overlook the value of credit builder loans if you’re working toward stronger credit health for future opportunities. As always, keep an eye on weekly rate updates because even small changes can impact your borrowing cost significantly. Taking action now with a trusted credit union partner can set you up for financial peace of mind down the road—so be sure to check back next week for fresh insights and new possibilities!