Introduction
As of July 25, 2025, today’s personal loan landscape is brimming with opportunities for members looking to secure some of the most competitive rates available. If you’re aiming to build credit or need a low-cost borrowing option, Redstone Credit Builder loans offer an exceptional 1.0% APR, standing out as one of the lowest rates on the market. For those interested in secured borrowing, several credit unions like Texas Dow Employees and Liberty feature attractive certificate and share-secured loans hovering around 2.0% APR, making them smart choices for borrowers wanting lower risk options. Personal unsecured signature loans remain steady with Redstone offering rates starting at 11.29% for 60 months. Notably, rates across most programs have held stable over the past month, providing consistency for members planning their finances. Whether you're consolidating debt or preparing for a big purchase, today’s rate sheet highlights strong options across both secured and unsecured products—giving you plenty of reason to explore your best fit.
Personal Loans
Credit Union
Product
2025-07-25
(Current Day)
(Current Day)
2025-07-10
(15 Days Ago)
(15 Days Ago)
2025-06-25
(30 Days Ago)
(30 Days Ago)
2025-07-18
(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
18
First credit loan
6.25
6.25
Share-secured loan
1.8
1.8
Stock loans to 75% of value
8.49
8.49
Term-share secured loan
6.25
6.25
Unsecured-installment signature loans
10.49
10.49
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 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
5.89
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
Credit line
13.5
13.5
13.5
13.5
Misc. item and equipment
7.5
7.5
7.5
7.5
Pledge of certificates
2
Pledge of shares
2.1
Signature
14.9
Pledge share loans
2
2
Ready reserve overdraft protection
16
16
Signature loans
12
12
Cd secured
2
Debt consolidation
12.74
12.74
Personal
11.99
11.99
Redicash
14.49
14.49
Redicash plus
16.99
16.99
Share secured
4.24
4.24
Shared secured: single payment
5.99
5.99
Redstone
As of July 25, 2025, Redstone’s personal loan rates remain stable with no significant changes in the past 30 days. The lowest APR is 1.0% on the Credit builder loan, ideal for members establishing credit. For secured borrowing, the Share secured loan holds steady at 3.0% APR, offering a low-cost option backed by savings. Unsecured signature loans show slight improvements: the 60-month term decreased from 11.39% to 11.29% APR, and the 72-month from 11.59% to 11.49% APR, benefiting borrowers seeking longer repayment terms. Members should compare fixed and variable rate products like the Home equity line of credit at 8.125% to align borrowing choices with their financial goals.
Trumark Financial
As of July 25, 2025, Trumark Financial's personal loan rates remain stable with no changes over the past 30 days. The Share-secured loan offers the lowest APR at 1.8%, ideal for members seeking low-cost borrowing secured by savings. For first-time borrowers, the First credit loan and Term-share secured loan both hold steady at a competitive 6.25% APR. Unsecured installment loans are available at 10.49% APR, providing flexible options without collateral. Members should review their borrowing needs and consider secured loans for lower rates or fixed-rate products to maintain payment certainty amid stable market conditions.
Texas Dow Employees
As of July 25, 2025, the Home advantage loan APR decreased notably from 8.99% a month ago to 7.74%, improving borrowing costs by 1.25 percentage points (125 bps). Other rates remained stable: the Personal loan and Cash $tash line of credit hold steady at 7.74% and 9.74%, respectively. The lowest APRs are with the Certificate of deposit secured loan and Share secured loan, both at a consistent 2.0%, offering excellent value for members seeking secured borrowing. Members should compare fixed-rate and secured options carefully to align with their financial goals and risk tolerance.
Ornl
As of July 25, 2025, Ornl’s personal loan rates remain stable across all products with no changes in the past 30 days. The lowest unsecured APR is 9.99% on the Personal loan, ideal for members seeking straightforward borrowing. For secured options, Share certificate secured and Share secured loans offer the most attractive rates at 2.00%, suitable for members leveraging savings as collateral. Vehicle-secured loans are competitively priced at 5.89% (auto, motorcycle & ATV) and 8.29% (boat & RV). Members should review these fixed-rate options to align borrowing costs with their financial goals and risk tolerance.
Liberty
As of July 25, 2025, all Liberty personal loan rates remain steady with no changes over the past 30 days. The most affordable secured borrowing options are the Certificate pledge at 2.00% APR and the Share pledge at 2.05% APR, ideal for members seeking low-cost, collateral-backed loans. For unsecured needs, the Personal loan holds a competitive fixed rate of 9.59% APR, suitable for general borrowing. Members considering flexible access may evaluate the Line of credit / overdraft protection at 11.50% APR. Review your financial goals and compare these stable rates to select products that match your repayment preferences and risk tolerance.
Randolph Brooks
As of July 25, 2025, Randolph Brooks Credit Union’s personal loan rates remain steady 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 affordable, low-risk borrowing options. The Signature loan carries a stable APR of 12.15%, suitable for general unsecured borrowing needs. Meanwhile, the Line of credit holds steady at 11.95%, providing flexible access to funds without rate fluctuations. Members should compare fixed-rate secured and unsecured options carefully to align borrowing costs with their financial goals and risk tolerance.
Affinity
As of July 25, 2025, Affinity’s personal loan rates remain stable with no changes across all products in the past 30 days. The most affordable options are the Certificate secured loan at 2.0% APR and the Shared secured loan at 2.75% APR, ideal for members seeking low-rate secured borrowing. For unsecured needs, the Personal loan at 12.5% APR and Debt consolidation loan at 13.25% APR offer consistent rates suitable for managing existing debts or new expenses. Members should compare fixed-rate loans like these for payment stability and evaluate secured versus unsecured options based on collateral availability and borrowing goals.
Global
As of July 25, 2025, Global’s personal loan APRs remain stable with no changes over the past 30 days for Credit line (13.5%) and Misc. item and equipment loans (7.5%). New this month are Signature loans at 14.9% APR, alongside secured options: Pledge of certificates at the lowest rate of 2.0% APR, and Pledge of shares at 2.1% APR. Members seeking low-cost secured borrowing should consider these certificate or share pledge loans, while those needing flexible access may review credit lines. For transparent borrowing, compare fixed-rate products to ensure payment stability aligned with your financial goals.
Scott
As of July 25, 2025, Scott’s personal loan rates remain stable with no changes over the past 7 to 30 days. The Pledge share loans offer the lowest APR at 2.0%, ideal for members seeking secured borrowing options with minimal cost. For unsecured borrowing, Signature loans maintain a steady 12.0% APR, suitable for general personal financing needs. Meanwhile, Ready reserve overdraft protection stays at 16.0% APR, providing flexible short-term credit access. Members should compare these fixed-rate products based on their borrowing purpose and consider secured options like pledge share loans for lower-cost financing when possible.
Fccu
As of July 25, 2025, Fccu personal loan rates remain steady with no changes over the past 7 days. The Share secured loan offers the lowest APR at 4.24%, ideal for members seeking low-cost borrowing backed by savings. For unsecured options, the Personal loan holds a competitive rate of 11.99%, suitable for general purposes, while Debt consolidation matches this rate, helping members streamline payments. The new Cd secured loan appears at an attractive 2.0% APR, providing a fixed-rate option secured by certificates of deposit. Members should review these products carefully and consider secured loans for lower rates or fixed terms to manage borrowing costs effectively.
LendMesh
Financial peace of mind shouldn’t be a luxury. LendMesh makes it easy to discover personal loan options that help you breathe easier. From managing surprise bills to investing in personal growth, our platform brings clarity to your choices—without the fine print games. Discover what’s possible at https://www.lendmesh.com/loans/personal-loans and take control of your financial path.
Conclusion
When considering a personal loan this week, it’s important to focus on what fits your financial goals best. For debt consolidation, look closely at unsecured signature loans with competitive APRs like those at Redstone or Affinity—both offering steady rates that can help reduce monthly payments without surprises. If you have collateral to leverage, share-secured and certificate loans under 2.1% APR provide an excellent way to borrow cheaply while protecting your credit score. Emergencies demand quick access; keep an eye on flexible lines of credit such as Texas Dow Employees’ Cash $tash line at 9.74%, which has remained consistent and accessible. Finally, before committing, review your credit union’s terms carefully and consider locking in rates now while they remain stable—especially if you’re planning a major life event or purchase. Remember, regularly checking back on these rates can empower you to make confident decisions and seize the best deals as they arise next week!