Introduction
As of July 24, 2025, credit union members have some exciting opportunities to secure personal loans at impressively low rates. For those looking to build credit or save smartly, Redstone’s Credit Builder loan offers an unbeatable 1.0% APR, maintaining steady rates over the past month. If you prefer secured options, both Texas Dow Employees and Ornl Credit Unions are offering share-secured loans at just 2.0% APR, a solid choice for conservative borrowers. For unsecured personal loans, Trumark Financial's First Credit Loan stands out with a competitive 6.25% APR, perfect for first-time borrowers eager to establish or improve their credit profiles. Homeowners seeking flexible borrowing can look to Redstone’s Home Equity Line of Credit at a stable 8.125%, while those considering debt consolidation might find Affinity’s Debt Consolidation Loan at 13.25% appealing despite no recent changes. Notably, some rates like Texas Dow Employees’ Home Advantage Loan have dropped from 8.99% to 7.74% in the past month, signaling good news for home improvement funding. Whether it’s building credit, consolidating debt, or managing life’s big expenses, today’s rate landscape offers several standout low-rate options tailored to fit various financial goals.
Personal Loans
Credit Union
Product
2025-07-24
(Current Day)
(Current Day)
2025-07-09
(15 Days Ago)
(15 Days Ago)
2025-06-24
(30 Days Ago)
(30 Days Ago)
2025-07-17
(7 Days Ago)
(7 Days Ago)
Credit builder
1
1
1
1
Home equity line of credit - classic
8.125
8.125
8.125
8.125
Personal line of credit/overdraft
12.78
12.78
12.64▼ 14 bps
12.78
Personal stretch and save*
17
17
17
17
Personal unsecured signature - 60 months
11.29
11.29
11.39▲ 10 bps
11.29
Personal unsecured signature - 72 months
11.49
11.49
11.59▲ 10 bps
11.49
Share secured
3
3
3
3
Better choice
18
First credit loan
6.25
Share-secured loan
1.8
Stock loans to 75% of value
8.49
Term-share secured loan
6.25
Unsecured-installment signature loans
10.49
Pledge of certificates
2
Pledge of shares
2.1
Cash $tash line of credit
9.74
9.74
9.74
9.74
Certificate of deposit secured loan
2
2
2
2
Home advantage loan
7.74
7.74
8.99▲ 125 bps
7.74
Personal line of credit
9.74
9.74
9.74
Personal loan
7.74
7.74
7.74
7.74
Share secured loan
2
2
2
2
Personal
9.99
9.99
9.99
Personal line of credit
11.74
11.74
11.74
Secured loans (auto, motorcycle & atv)
5.89
5.99▲ 10 bps
5.99▲ 10 bps
Secured loans (boat & rv)
8.29
8.29
8.29
Share certificate secured
2
2
2
Share secured
2
2
2
Certificate pledge
2
2
2
2
Computer and non-titled collateral
8.55
8.55
8.55
8.55
Home improvement
10.39
10.39
10.39
10.39
Line of credit / overdraft protection
11.5
11.5
11.5
11.5
Personal loan
9.59
9.59
9.59
9.59
Share pledge
2.05
2.05
2.05
2.05
Certificate secured
2
2
2
2
Line of credit
11.95
11.95
11.95
11.95
Share secured
2
2
2
2
Signature loan
12.15
12.15
12.15
12.15
Certificate secured loan
2
2
2
Debt consolidation loan
13.25
13.25
13.25
Personal loan
12.5
12.5
12.5
Privateline overdraft protection
14.75
14.75
14.75
Shared secured loan
2.75
2.75
2.75
Student loan consolidation program
4.99
4.99
4.99
Pledge share loans
2
Ready reserve overdraft protection
16
Signature loans
12
Cd secured
2
Debt consolidation
12.74
Personal
11.99
Redicash
14.49
Redicash plus
16.99
Share secured
4.24
Shared secured: single payment
5.99
Redstone
As of July 24, 2025, Redstone's personal loan APRs remain largely stable. The Personal unsecured signature - 60 months rate slightly decreased by 0.10 percentage points (10 bps) compared to 30 days ago, now at 11.29%, while the 72-month term mirrors this trend at 11.49%, down from 11.59%. The Personal line of credit/overdraft holds steady near 12.78%, with a minor increase from 12.64% a month prior. The lowest APR is the Credit builder loan at a consistent 1.0%, ideal for first-time borrowers building credit. Members seeking secured options can consider the Share secured loan at a stable 3.0% APR.
Review your borrowing goals carefully and compare fixed and variable rates to align with your financial plans.
Trumark Financial
As of July 24, 2025, Trumark Financial offers a range of personal loans with competitive rates. The Share-secured loan carries the lowest APR at 1.8%, ideal for members leveraging savings as collateral. For unsecured borrowing, Unsecured-installment signature loans stand at 10.49%, offering flexible terms without collateral. New products like the First credit loan at 6.25% serve first-time borrowers, while Stock loans to 75% of value provide access against investments at 8.49%. With no recent rate changes reported, members should compare products based on collateral and credit needs and consider fixed-rate options for payment stability.
Global
As of July 24, 2025, Global’s personal loan rates introduce two secured borrowing options: the Pledge of Certificates at an APR of 2.0%, and the Pledge of Shares at 2.1%—both newly listed with no prior rate history for comparison. These represent some of the lowest secured loan rates available, ideal for members seeking affordable borrowing using existing assets. Members prioritizing payment stability should consider these fixed-rate, asset-backed loans. Evaluate which product aligns with your financial situation to optimize borrowing costs and flexibility.
Texas Dow Employees
As of July 24, 2025, most personal loan rates at Texas Dow Employees remain steady. Notably, the Home advantage loan APR decreased from 8.99% to 7.74% over the past month, improving affordability for members seeking home-related financing. The Certificate of deposit secured loan and Share secured loan maintain the lowest APR at a stable 2.0%, ideal for members with collateral looking for low-cost borrowing. Unsecured options like the Personal loan and Cash $tash line of credit hold steady at 7.74% and 9.74%, respectively. Members should compare fixed-rate secured and unsecured products carefully to match their financial goals and risk tolerance.
Ornl
As of July 24, 2025, Ornl’s personal loan rates remain stable with no changes in the past 7 to 30 days. The lowest unsecured rate is the Personal loan at 9.99% APR, ideal for members seeking straightforward borrowing. For those preferring flexible access, the Personal line of credit holds steady at 11.74% APR. Secured loans show minor movement: auto, motorcycle & ATV loans decreased slightly from 5.99% to 5.89% APR, offering a cost-effective option for vehicle financing. The lowest overall rates are in Share certificate and Share secured loans at 2.0% APR, suitable for members leveraging collateral. Review your borrowing goals and consider fixed-rate options for predictable payments.
Liberty
As of July 24, 2025, all Liberty personal loan APRs remain stable with no changes over the past 30 days. The most affordable secured borrowing options are Certificate pledge at 2.0% APR and Share pledge at 2.05% APR, ideal for members seeking low-risk loans. For unsecured needs, the Personal loan offers a consistent rate of 9.59% APR, suitable for general borrowing, while the Line of credit / overdraft protection stands at 11.5% APR for flexible access to funds. Members should carefully compare these fixed-rate options to align borrowing costs with their financial goals and risk preferences.
Randolph Brooks
As of July 24, 2025, Randolph Brooks personal loan rates remain stable with no changes over the past 30 days. The Certificate secured and Share secured loans offer the lowest APR at a consistent 2.0%, ideal for members seeking low-cost, collateral-backed borrowing. The Signature loan and Line of credit maintain higher but steady rates at 12.15% and 11.95%, respectively, suitable for unsecured borrowing or flexible credit access. Members should compare secured versus unsecured options based on their collateral availability and borrowing goals, considering fixed rates for predictable payments.
Affinity
As of July 24, 2025, Affinity's personal loan rates remain stable with no changes across all products in the past 30 days. The most attractive rate is the Certificate secured loan at 2.0% APR, ideal for members seeking low-cost borrowing backed by certificates. The Shared secured loan at 2.75% APR also offers competitive secured financing options. For unsecured needs, both the Personal loan (12.5% APR) and Debt consolidation loan (13.25% APR) maintain consistent rates, supporting members aiming to manage or consolidate debt effectively. Members should compare secured versus unsecured options based on collateral availability and consider fixed-rate loans for predictable payments.
Scott
As of July 24, 2025, Scott’s Pledge Share Loans offer the lowest APR at 2.0%, providing an affordable option for members seeking secured borrowing. Both Ready Reserve Overdraft Protection and Signature Loans are new with APRs at 16.0% and 12.0%, respectively; no prior data is available for trend comparison. Members prioritizing low-cost credit may find Pledge Share Loans most beneficial, while those needing flexible access or unsecured funds might consider the other options. For informed decisions, compare these rates carefully and consider fixed-rate loans for predictable payments when managing your borrowing needs.
Fccu
As of July 24, 2025, Fccu's personal loan rates show a range of options for members. The lowest APR is on the CD secured loan at 2.0%, ideal for those with certificates of deposit seeking low-cost borrowing. For unsecured needs, the Personal loan offers a competitive 11.99% APR, while Debt consolidation loans are slightly higher at 12.74%, beneficial for members aiming to simplify payments. Secured alternatives like the Share secured loan at 4.24% and the Shared secured: single payment at 5.99% provide flexible options with moderate rates. Members should compare these fixed-rate products carefully to align borrowing costs with their financial goals and risk tolerance.
LendMesh
Whether you're building credit, consolidating debt, or preparing for something big, the right personal loan can make all the difference. At LendMesh, we believe in empowering your choices—not pressuring them. Compare top credit union and bank offers in real time at https://www.lendmesh.com/loans/personal-loans and take your next step on your terms.
Conclusion
When planning your next financial move—be it consolidating high-interest debt, managing an emergency expense, or funding a major purchase—it pays to shop around and consider all your loan options carefully. Secured loans tied to shares or certificates often come with the lowest APRs, as seen with multiple credit unions offering rates near 2%, making them an excellent choice if you have savings to leverage. For unsecured needs, explore first-time or signature loans that balance affordability and flexibility. Keep an eye on recent rate shifts like Texas Dow Employees’ reduced Home Advantage Loan APR and Trumark Financial's consistently low unsecured loan offerings; these could mean more manageable monthly payments and faster payoff timelines. Remember, locking in a lower APR today can save you significant money over the life of your loan. Stay proactive by reviewing your credit union’s current rates regularly—rates can change quickly and favorable terms won’t last forever. Whether you’re tackling debt consolidation or preparing for unexpected costs, staying informed empowers you to make confident financial decisions that support your family’s future well-being. Check back next week for fresh updates and new opportunities!