Introduction
As of August 1, 2025, credit union personal loan rates are holding steady with some standout opportunities for members looking to manage their finances wisely. If you’re aiming for the lowest APRs, share-secured loans remain the clear winner, with rates as low as 1.8% at Trumark Financial and 2.0% across several credit unions including Liberty, Texas Dow Employees, and Ornl. These secured options offer a fantastic way to access funds while keeping borrowing costs minimal. For unsecured loans, Redstone’s personal unsecured signature loan at 11.29% for 60 months presents a competitive choice, matched closely by Trumark Financial’s unsecured installment signature loans at 10.49%. Notably, rates have stayed consistent over the past month, giving borrowers confidence in current pricing without surprises. Whether you’re consolidating debt or planning for a big life event, these solid rates open doors to affordable borrowing solutions tailored to your needs.
Personal Loans
Credit Union
Product
2025-08-01
(Current Day)
(Current Day)
2025-07-17
(15 Days Ago)
(15 Days Ago)
2025-07-02
(30 Days Ago)
(30 Days Ago)
2025-07-25
(7 Days Ago)
(7 Days Ago)
Redstone
Credit builder
1
1
1
1
Redstone
Home equity line of credit - classic
8.125
8.125
8.125
8.125
Redstone
Personal line of credit/overdraft
12.71
12.78▲ 7 bps
12.78▲ 7 bps
12.78▲ 7 bps
Redstone
Personal stretch and save*
17
17
17
17
Redstone
Personal unsecured signature - 60 months
11.29
11.29
11.29
11.29
Redstone
Personal unsecured signature - 72 months
11.49
11.49
11.49
11.49
Redstone
Share secured
3
3
3
3
Trumark Financial
Better choice
18
18
Trumark Financial
First credit loan
6.25
6.25
Trumark Financial
Share-secured loan
1.8
1.8
Trumark Financial
Stock loans to 75% of value
8.49
8.49
Trumark Financial
Term-share secured loan
6.25
6.25
Trumark Financial
Unsecured-installment signature loans
10.49
10.49
Texas Dow Employees
Cash $tash line of credit
9.74
9.74
9.74
9.74
Texas Dow Employees
Certificate of deposit secured loan
2
2
2
2
Texas Dow Employees
Home advantage loan
7.74
7.74
8.99▲ 125 bps
7.74
Texas Dow Employees
Personal loan
7.74
7.74
7.74
7.74
Texas Dow Employees
Share secured loan
2
2
2
2
Ornl
Personal
9.99
9.99
9.99
Ornl
Personal line of credit
11.74
11.74
11.74
Ornl
Secured loans (auto, motorcycle & atv)
5.89
5.99▲ 10 bps
5.89
Ornl
Secured loans (boat & rv)
8.29
8.29
8.29
Ornl
Share certificate secured
2
2
2
Ornl
Share secured
2
2
2
Liberty
Certificate pledge
2
2
2
2
Liberty
Computer and non-titled collateral
8.55
8.55
8.55
8.55
Liberty
Home improvement
10.39
10.39
10.39
10.39
Liberty
Line of credit / overdraft protection
11.5
11.5
11.5
11.5
Liberty
Personal loan
9.59
9.59
9.59
9.59
Liberty
Share pledge
2.05
2.05
2.05
2.05
Affinity
Certificate secured loan
2
2
2
Affinity
Debt consolidation loan
13.25
13.25
13.25
Affinity
Personal loan
12.5
12.5
12.5
Affinity
Privateline overdraft protection
14.75
14.75
14.75
Affinity
Shared secured loan
2.75
2.75
2.75
Affinity
Student loan consolidation program
4.99
4.99
4.99
Global
Credit line
13.5
13.5
13.5
Global
Misc. item and equipment
7.5
7.5
7.5
Global
Pledge of certificates
2
2
Global
Pledge of shares
2.1
2.1
Global
Signature
14.9
14.9
Scott
Pledge share loans
2
2
Scott
Ready reserve overdraft protection
16
16
Scott
Signature loans
12
12
Fccu
Cd secured
2
2
Fccu
Debt consolidation
12.74
12.74
Fccu
Personal
11.99
11.99
Fccu
Redicash
14.49
14.49
Fccu
Redicash plus
16.99
16.99
Fccu
Share secured
4.24
4.24
Fccu
Shared secured: single payment
5.99
5.99
Apple
Educator line of credit
7.5
7.5
7.5
7.5
Apple
First responder line of credit
7.5
7.5
7.5
7.5
Apple
Savings secured
3
3
3
3
Apple
Savings secured certificate
2
2
2
2
Apple
Signature line of credit
11.74
11.74
11.74
11.74
Apple
Signature loan
9.99
9.99
9.99
9.99
Redstone
As of August 1, 2025, Redstone’s personal loan rates remain steady across all products with no changes over the past 30 days. The lowest APR is 1.0% on the Credit Builder loan, ideal for members building credit affordably. For those seeking secured borrowing, the Share Secured loan at 3.0% APR offers a low-cost option. Unsecured signature loans range from 11.29% (60 months) to 11.49% (72 months), suitable for longer-term needs. Consider your borrowing goals carefully—compare fixed-rate signature loans for predictable payments or flexible lines of credit like the Personal Line of Credit at 12.71% APR if you prefer revolving access to funds.
Trumark Financial
As of August 1, 2025, Trumark Financial’s personal loan rates remain steady across all products with no changes in the past 7 days. The Share-secured loan offers the lowest APR at 1.8%, ideal for members seeking low-cost borrowing secured by savings. For unsecured needs, Unsecured-installment signature loans carry a competitive rate of 10.49%, while first-time borrowers may benefit from the First credit loan at 6.25% APR. Members should carefully compare these fixed-rate options to match their financial goals and consider secured loans for lower rates and payment stability.
Texas Dow Employees
As of August 1, 2025, Texas Dow Employees credit union's Home advantage loan rate decreased from 8.99% to 7.74% APR, a notable drop of 1.25 percentage points (125 bps) over the past month. Other rates remained stable: the Personal loan and Cash $tash line of credit hold steady at 7.74%, while the lowest secured options—the Certificate of deposit secured loan and Share secured loan—remain at an attractive 2.0% APR. Members seeking low-cost borrowing might consider these secured loans for better rates or the fixed-rate personal loans for predictable payments. Review your borrowing goals carefully to select the best fit.
Ornl
As of August 1, 2025, Ornl's personal loan rates remain stable with no changes in the past 30 days. The Personal loan APR holds steady at 9.99%, while the Personal line of credit remains at 11.74%. For secured borrowing, auto, motorcycle & ATV loans slightly improved, dropping from 5.99% to 5.89%, offering a cost-effective option for vehicle financing. The lowest available APRs are on Share certificate secured and Share secured loans at 2.0%, ideal for members leveraging savings collateral. Members should compare unsecured and secured options carefully and consider fixed-rate loans for predictable payments aligned with their financial goals.
Liberty
As of August 1, 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 a consistent 2.00%, ideal for members seeking low-cost secured borrowing. The Share pledge loan closely follows at 2.05%, also providing affordable secured options. For unsecured needs, the standard Personal loan maintains an APR of 9.59%, while the Home improvement and Line of credit/overdraft protection programs hold steady at 10.39% and 11.50%, respectively. Members should carefully compare these fixed-rate products to match their borrowing goals and consider secured loans for lower rates and payment predictability.
Affinity
As of August 1, 2025, Affinity’s personal loan rates remain stable across all products with no changes in APR over the past 30 days. The Certificate secured loan offers the lowest rate at 2.00% APR, ideal for members seeking low-risk borrowing. For those consolidating debt, the Debt consolidation loan holds steady at 13.25% APR, while the unsecured Personal loan remains at 12.50% APR. Members aiming to build credit can consider the Student loan consolidation program at a competitive 4.99% APR. Review your borrowing needs carefully and consider fixed-rate options for predictable payments.
Global
As of August 1, 2025, all Global personal loan rates remain stable with no changes over the past 7 to 30 days. The lowest available APR is 2.0% for the Pledge of Certificates loan, ideal for members seeking low-cost secured borrowing. The Signature Loan and Credit Line offer unsecured options at 14.9% and 13.5%, respectively, suitable for flexible borrowing needs. Members aiming for affordable financing should compare fixed-rate products like pledge loans for payment certainty and evaluate unsecured loans based on their credit profile and purpose.
Scott
As of August 1, 2025, Scott’s Pledge Share Loans continue to offer the lowest APR at a stable 2.0%, ideal for members seeking secured borrowing with minimal cost. The Signature Loans maintain a steady 12.0% APR, providing a fixed-rate option for unsecured personal loans. Meanwhile, Ready Reserve Overdraft Protection remains unchanged at 16.0% APR, suitable for short-term overdraft needs but with higher borrowing costs. Members should compare these products based on their borrowing purpose and risk tolerance, considering secured options like pledge share loans for lower rates and signature loans for predictable payments.
Fccu
As of August 1, 2025, all Fccu personal loan rates remain steady with no changes in the past week. The lowest APR available is on the CD secured loan at 2.0%, ideal for members seeking low-risk, secured borrowing. For unsecured options, the Personal loan at 11.99% APR and Debt consolidation at 12.74% APR offer consistent rates suitable for managing varied financial needs. Members aiming for flexible repayment may consider the Shared secured: single payment loan at 5.99% APR. Review fixed-rate terms to ensure predictable payments aligned with your financial goals.
Apple
As of August 1, 2025, Apple Credit Union's personal loan rates remain steady across all products with no changes in APRs over the past 30 days. The most competitive rates are offered by the Savings secured certificate at 2.0% APR, followed by the Savings secured loan at 3.0% APR—ideal for members seeking low-cost, collateral-backed borrowing. Unsecured options like the Signature loan at 9.99% APR and Signature line of credit at 11.74% APR provide flexibility without collateral but carry higher costs. Fixed-rate lines of credit for Educators and First responders remain stable at 7.5% APR, supporting those professions with consistent borrowing terms. Members should carefully compare secured versus unsecured options based on their credit profile and repayment goals to choose appropriate fixed-rate solutions for payment predictability.
LendMesh
Ever felt like your goals were just out of reach because of high-interest credit cards or unexpected expenses? At LendMesh, we make personal loans easier to access—without the confusion or stress. Whether you’re looking to consolidate debt, fund a big purchase, or cover an emergency, we bring together competitive rates from trusted credit unions and banks in one place. No pressure, no hidden surprises—just real options built around your needs. Explore your possibilities today at https://www.lendmesh.com/loans/personal_loans . Because your peace of mind shouldn’t have to wait.
Conclusion
When considering a personal loan this month, it’s smart to weigh your options between secured and unsecured products carefully. If you have savings or assets you can pledge, taking advantage of share- or certificate-secured loans with rates near 2% could save you significant interest over time. For those who prefer unsecured loans, look closely at terms and APRs around 10–12%, like those offered by Redstone and Trumark Financial. Remember to assess your budget realistically—choosing the right loan term can make monthly payments manageable and avoid financial strain. As always, keep an eye on rates weekly since small shifts can create new chances to refinance or borrow more affordably. Whether tackling emergency expenses or funding future goals, staying informed and proactive will help you make the best financial move today—and next week when we revisit these numbers together!