Introduction
As of August 8, 2025, credit union members have some fantastic borrowing opportunities to explore. Whether you’re looking to build credit, consolidate debt, or manage unexpected expenses, today’s rates showcase exceptionally low APRs on secured loans, with share certificate and pledge loans starting as low as 2.0% across multiple credit unions like Liberty, Ornl, and Affinity. For those seeking unsecured options, Redstone offers competitive signature loans at around 11.29% for 60 months, while Trumark Financial’s unsecured installment loans hold steady at 10.49%. Notably, no major rate fluctuations occurred in the last month—stability that can help you plan confidently. Plus, specialty products like Texas Dow Employees’ personal loan and home advantage loan remain attractively fixed at 7.74%, offering solid alternatives for everyday needs. If you’re after a low-rate line of credit or overdraft protection, consider Trumark Financial’s share-secured loan at just 1.8%, one of the lowest overall APRs available today. With so many options spanning from credit builders to home equity lines, now is an excellent time to review your financial goals and take advantage of these member-friendly rates.
Personal Loans
Credit Union
Product
2025-08-08
(Current Day)
(Current Day)
2025-07-24
(15 Days Ago)
(15 Days Ago)
2025-07-09
(30 Days Ago)
(30 Days Ago)
2025-06-24
(45 Days Ago)
(45 Days Ago)
2025-08-01
(7 Days Ago)
(7 Days Ago)
Credit builder
1
1
1
1
1
Home equity line of credit - classic
8.125
8.125
8.125
8.125
8.125
Personal line of credit/overdraft
12.71
12.78▲ 7 bps
12.78▲ 7 bps
12.64▼ 7 bps
12.71
Personal stretch and save*
17
17
17
17
17
Personal unsecured signature - 60 months
11.29
11.29
11.29
11.39▲ 10 bps
11.29
Personal unsecured signature - 72 months
11.49
11.49
11.49
11.59▲ 10 bps
11.49
Share secured
3
3
3
3
3
Better choice
18
18
18
First credit loan
6.25
6.25
6.25
Share-secured loan
1.8
1.8
1.8
Stock loans to 75% of value
8.49
8.49
8.49
Term-share secured loan
6.25
6.25
6.25
Unsecured-installment signature loans
10.49
10.49
10.49
Cash $tash line of credit
9.74
9.74
9.74
9.74
9.74
Certificate of deposit secured loan
2
2
2
2
2
Home advantage loan
7.74
7.74
7.74
8.99▲ 125 bps
7.74
Personal loan
7.74
7.74
7.74
7.74
7.74
Share secured loan
2
2
2
2
2
Personal
9.99
9.99
9.99
9.99
Personal line of credit
11.74
11.74
11.74
11.74
Secured loans (auto, motorcycle & atv)
5.89
5.89
5.99▲ 10 bps
5.89
Secured loans (boat & rv)
8.29
8.29
8.29
8.29
Share certificate secured
2
2
2
2
Share secured
2
2
2
2
Certificate pledge
2
2
2
2
2
Computer and non-titled collateral
8.55
8.55
8.55
8.55
8.55
Home improvement
10.39
10.39
10.39
10.39
10.39
Line of credit / overdraft protection
11.5
11.5
11.5
11.5
11.5
Personal loan
9.59
9.59
9.59
9.59
9.59
Share pledge
2.05
2.05
2.05
2.05
2.05
Certificate secured loan
2
2
2
2
Debt consolidation loan
13.25
13.25
13.25
13.25
Personal loan
12.5
12.5
12.5
12.5
Privateline overdraft protection
14.75
14.75
14.75
14.75
Shared secured loan
2.75
2.75
2.75
2.75
Student loan consolidation program
4.99
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
2
2
Pledge of shares
2.1
2.1
2.1
Signature
14.9
14.9
Pledge share loans
2
2
2
Ready reserve overdraft protection
16
16
16
Signature loans
12
12
12
Cd secured
2
2
2
Debt consolidation
12.74
12.74
12.74
Personal
11.99
11.99
11.99
Redicash
14.49
14.49
14.49
Redicash plus
16.99
16.99
16.99
Share secured
4.24
4.24
4.24
Shared secured: single payment
5.99
5.99
5.99
Educator line of credit
7.5
7.5
7.5
7.5
First responder line of credit
7.5
7.5
7.5
7.5
Savings secured
3
3
3
3
Savings secured certificate
2
2
2
2
Signature line of credit
11.74
11.74
11.74
11.74
Signature loan
9.99
9.99
9.99
9.99
9.99
Redstone
As of August 8, 2025, Redstone’s personal loan rates remain steady with no changes over the past 30 days. The lowest APR is offered by the Credit builder loan at a highly competitive 1.0%, ideal for members establishing or improving credit. For secured borrowing, the Share secured loan provides a low rate of 3.0%, beneficial for those with savings to leverage. Unsecured options like the Personal unsecured signature - 60 months and 72 months hold firm at 11.29% and 11.49%, respectively, suitable for longer-term borrowing needs. Members should compare fixed and variable options such as the stable Home equity line of credit - classic at 8.125% and variable-rate lines to align with their financial goals.
Trumark Financial
As of August 8, 2025, Trumark Financial 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 backed by savings. First-time borrowers may find the First credit loan attractive at 6.25%, while those needing unsecured funds can consider Unsecured-installment signature loans at 10.49% APR. Members looking to leverage investments might explore Stock loans to 75% of value at 8.49%. Review your borrowing goals and compare fixed-rate options for predictable payments aligned with your financial plans.
Texas Dow Employees
As of August 8, 2025, all Texas Dow Employees personal loan APRs remain stable with no changes over the past 30 days. The Certificate of deposit secured loan and Share secured loan offer the lowest APR at a competitive 2.0%, ideal for members leveraging savings as collateral. For unsecured borrowing, both the Personal loan and Home advantage loan maintain steady rates at 7.74%, suitable for general financing needs. The flexible Cash $tash line of credit holds an unchanged rate of 9.74%. Members should compare fixed-rate secured and unsecured options to align borrowing costs with their financial goals and risk tolerance.
Ornl
As of August 8, 2025, Ornl’s Personal and Personal Line of Credit APRs remain steady at 9.99% and 11.74%, respectively, offering stable options for unsecured borrowing. Notably, the Secured Loans (auto, motorcycle & ATV) rate decreased slightly from 5.99% to 5.89% over the past month, making it the most attractive secured option alongside consistent Share Certificate Secured and Share Secured loans at a low 2.00% APR—the lowest available rates today. Members seeking low-cost collateralized loans may find these terms beneficial. Review your borrowing goals carefully and consider fixed-rate products for predictable payments.
Liberty
As of August 8, 2025, Liberty’s personal loan rates remain stable with no changes over the past 30 days. The lowest APRs are on secured options: Certificate pledge at 2.00% and Share pledge at 2.05%, ideal for members seeking low-cost borrowing with collateral. For unsecured needs, the Personal loan at 9.59% APR offers a consistent rate, suitable for general borrowing. Other fixed-rate products like Home improvement (10.39%) and Line of credit/overdraft protection (11.5%) provide flexible options without recent rate shifts. Members should compare these products based on their collateral availability and desire for payment certainty when planning financing solutions.
Affinity
As of August 8, 2025, all Affinity personal loan APRs remain stable with no changes over the past 30 days. The lowest rate is 2.0% APR on the Certificate secured loan, ideal for members seeking low-risk borrowing. For those consolidating debt, the Debt consolidation loan holds steady at 13.25% APR, while the Personal loan offers a fixed 12.5% APR for general unsecured borrowing. Members prioritizing payment flexibility can consider the Privateline overdraft protection at 14.75% APR or the Student loan consolidation program at a competitive 4.99% APR. Review your borrowing needs carefully and consider fixed-rate options to maintain payment predictability.
Global
As of August 8, 2025, Global's personal loan rates remain stable with no changes across all products in the past week. The most affordable option is the Pledge of certificates loan at 2.0% APR, ideal for members seeking low-cost, secured borrowing. Similarly low rates are available with the Pledge of shares at 2.1% APR, also a secured option. Unsecured loans like the Signature and Credit line hold steady at 14.9% and 13.5% APR, respectively, suitable for flexible borrowing without collateral. Members should compare secured versus unsecured options based on credit needs and risk tolerance, and consider fixed-rate products for predictable payments.
Scott
As of August 8, 2025, Scott’s Pledge Share Loans remain the most affordable option with a stable 2.0% APR, showing no change over the past 30 days. This makes it ideal for members seeking low-cost, secured borrowing. The Signature Loans hold steady at 12.0% APR, offering a fixed unsecured rate suitable for general personal needs. Meanwhile, the Ready Reserve Overdraft Protection continues at 16.0% APR, unchanged and best suited for short-term overdraft coverage rather than planned borrowing. Members should compare these options based on loan purpose and risk tolerance and consider fixed-rate products like signature loans if payment stability is a priority.
Fccu
As of August 8, 2025, Fccu personal loan rates remain stable with no changes in the past 30 days. The CD secured loan and Debt consolidation both hold steady at 2.00% APR and 12.74% APR, respectively. The most affordable unsecured option is the Personal loan at 11.99% APR, while secured loans like the Share secured at 4.24% APR offer competitive terms for members with savings collateral. Members seeking low-cost borrowing might consider fixed-rate secured products for payment certainty, whereas those consolidating debt can rely on consistent rates to plan repayments effectively. Comparing these options against your financial goals is advisable.
Apple
As of August 8, 2025, all Apple Credit Union personal loan rates remain steady with no changes over the past 30 days. The lowest APR is 2.0% on the Savings secured certificate, ideal for members seeking low-risk borrowing options. For unsecured needs, the Signature loan offers a competitive 9.99% APR, while the Signature line of credit stands at 11.74% APR, suitable for flexible borrowing. Both Educator and First responder lines of credit maintain stable rates at 7.5% APR, supporting specialized member groups. Review your borrowing goals carefully and consider fixed-rate products like secured certificates if you prioritize predictable payments.
LendMesh
Dreaming of a home makeover? Planning your next adventure? A personal loan can turn ‘maybe someday’ into ‘let’s do this.’ At LendMesh, we’ve built a platform that connects you to loan offers tailored to your plans—from credit unions that value your community to banks that support your journey. Compare options today at https://www.lendmesh.com/loans/personal_loans and take charge of your future—with less stress and more freedom.
Conclusion
When it comes to managing finances—whether consolidating higher-interest debt or preparing for life's big moments—locking in a low APR can save you hundreds over the life of a loan. Secured loans with rates near 2% are outstanding choices if you have collateral such as shares or certificates; they offer safety and affordability that should not be overlooked. For those preferring unsecured options, keep an eye on steady rates around 10-12%, which still provide manageable payments without risking assets. Remember to shop around within your credit union network because even slight differences in APR can add up significantly over time. And don’t hesitate to revisit your options regularly; rates may shift next week, presenting new chances to refinance or borrow more affordably. Above all, make sure any loan fits comfortably within your budget—taking on debt is easier when it aligns with your financial plan. Stay proactive and informed; your best borrowing opportunity might just be a quick call or online application away!