Introduction
As of August 15, 2025, credit union members have a variety of standout personal loan options to consider, especially if you’re looking to save on interest or tackle big expenses. If you’re eyeing the lowest APRs, share-secured loans are leading the pack with rates as low as 1.8% at Trumark Financial and an impressive 2.0% at several other credit unions like Liberty, Ornl, and Affinity. For unsecured signature loans, rates remain steady with Redstone offering competitive terms around 11.29% for 60 months and Apple holding firm at 9.99%. Meanwhile, those seeking flexible credit lines can explore offerings like Redstone’s personal line of credit hovering around 12.71%. Notably, rates have held steady over the past month with no significant fluctuations, making it a stable moment to consider locking in your loan. Whether you’re consolidating debt or planning ahead for emergencies or home improvements, today’s data highlights some excellent opportunities to access affordable credit tailored to your needs.
Personal Loans
Credit Union
Product
2025-08-15
(Current Day)
(Current Day)
2025-07-31
(15 Days Ago)
(15 Days Ago)
2025-07-16
(30 Days Ago)
(30 Days Ago)
2025-07-01
(45 Days Ago)
(45 Days Ago)
2025-08-08
(7 Days Ago)
(7 Days Ago)
Redstone
Credit builder
1
1
1
1
1
Redstone
Home equity line of credit - classic
8.125
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
12.71
Redstone
Personal stretch and save*
17
17
17
17
17
Redstone
Personal unsecured signature - 60 months
11.29
11.29
11.29
11.29
11.29
Redstone
Personal unsecured signature - 72 months
11.49
11.49
11.49
11.49
11.49
Redstone
Share secured
3
3
3
3
3
Trumark Financial
Better choice
18
18
18
Trumark Financial
First credit loan
6.25
6.25
6.25
Trumark Financial
Share-secured loan
1.8
1.8
1.8
Trumark Financial
Stock loans to 75% of value
8.49
8.49
8.49
Trumark Financial
Term-share secured loan
6.25
6.25
6.25
Trumark Financial
Unsecured-installment signature loans
10.49
10.49
10.49
Texas Dow Employees
Cash $tash line of credit
9.74
9.74
9.74
9.74
9.74
Texas Dow Employees
Certificate of deposit secured loan
2
2
2
2
2
Texas Dow Employees
Home advantage loan
7.74
7.74
7.74
8.99▲ 125 bps
7.74
Texas Dow Employees
Personal loan
7.74
7.74
7.74
7.74
7.74
Texas Dow Employees
Share secured loan
2
2
2
2
2
Ornl
Personal
9.99
9.99
9.99
9.99
Ornl
Personal line of credit
11.74
11.74
11.74
11.74
Ornl
Secured loans (auto, motorcycle & atv)
5.89
5.89
5.99▲ 10 bps
5.89
Ornl
Secured loans (boat & rv)
8.29
8.29
8.29
8.29
Ornl
Share certificate secured
2
2
2
2
Ornl
Share secured
2
2
2
2
Liberty
Certificate pledge
2
2
2
2
2
Liberty
Computer and non-titled collateral
8.55
8.55
8.55
8.55
8.55
Liberty
Home improvement
10.39
10.39
10.39
10.39
10.39
Liberty
Line of credit / overdraft protection
11.5
11.5
11.5
11.5
11.5
Liberty
Personal loan
9.59
9.59
9.59
9.59
9.59
Liberty
Share pledge
2.05
2.05
2.05
2.05
2.05
Affinity
Certificate secured loan
2
2
2
2
Affinity
Debt consolidation loan
13.25
13.25
13.25
13.25
Affinity
Personal loan
12.5
12.5
12.5
12.5
Affinity
Privateline overdraft protection
14.75
14.75
14.75
14.75
Affinity
Shared secured loan
2.75
2.75
2.75
2.75
Affinity
Student loan consolidation program
4.99
4.99
4.99
4.99
Global
Credit line
13.5
13.5
13.5
13.5
Global
Misc. item and equipment
7.5
7.5
7.5
7.5
Global
Pledge of certificates
2
2
2
Global
Pledge of shares
2.1
2.1
2.1
Global
Signature
14.9
14.9
14.9
Scott
Pledge share loans
2
2
2
Scott
Ready reserve overdraft protection
16
16
16
Scott
Signature loans
12
12
12
Fccu
Cd secured
2
2
2
Fccu
Debt consolidation
12.74
12.74
12.74
Fccu
Personal
11.99
11.99
11.99
Fccu
Redicash
14.49
14.49
14.49
Fccu
Redicash plus
16.99
16.99
16.99
Fccu
Share secured
4.24
4.24
4.24
Fccu
Shared secured: single payment
5.99
5.99
5.99
Apple
Educator line of credit
7.5
7.5
7.5
7.5
7.5
Apple
First responder line of credit
7.5
7.5
7.5
7.5
7.5
Apple
Savings secured
3
3
3
3
3
Apple
Savings secured certificate
2
2
2
2
2
Apple
Signature line of credit
11.74
11.74
11.74
11.74
11.74
Apple
Signature loan
9.99
9.99
9.99
9.99
9.99
Redstone
As of August 15, 2025, Redstone’s personal loan APRs remain stable across all products with no changes in the past 30 days. The Credit builder loan offers the lowest APR at a consistent 1.0%, ideal for members establishing credit. For secured borrowing, the Share secured loan holds a low fixed rate of 3.0%. Among unsecured options, the Personal unsecured signature - 60 months provides a competitive rate of 11.29%, slightly lower than the 72-month term at 11.49%. Members should compare fixed and variable rates carefully, especially if prioritizing payment stability or flexible borrowing terms.
Trumark Financial
As of August 15, 2025, Trumark Financial's personal loan rates remain stable with no changes in the past 30 days. The most affordable option is the Share-secured loan at 1.8% APR, ideal for members with savings to leverage low-cost borrowing. For unsecured needs, Unsecured-installment signature loans offer a competitive rate of 10.49% APR. First-time borrowers may find the First credit loan at 6.25% APR or the Term-share secured loan at 6.25% APR particularly suitable. Members should compare fixed-rate options to ensure payment predictability aligned with their financial goals.
Texas Dow Employees
As of August 15, 2025, all Texas Dow Employees personal loan rates remain steady with no changes in the past 30 days. The Certificate of Deposit Secured Loan and Share Secured Loan offer the lowest APRs at a consistent 2.0%, ideal for members with collateral seeking low-cost borrowing. For unsecured options, both the Home Advantage Loan and standard Personal Loan maintain an APR of 7.74%, suitable for general purposes or debt consolidation. The flexible Cash $tash Line of Credit holds steady at 9.74% APR. Members should compare these fixed-rate options carefully to align borrowing choices with their financial goals and payment preferences.
Ornl
As of August 15, 2025, Ornl's personal loan rates remain stable, with the Personal loan APR steady at 9.99% and the Personal line of credit holding at 11.74% over the past month. Notably, Secured loans for auto, motorcycle & ATV decreased slightly from 5.99% to 5.89%, offering one of the lowest borrowing costs for members seeking vehicle financing. Both Share certificate secured and Share secured loans maintain the lowest APR at 2.00%, ideal for members leveraging savings as collateral to access affordable credit. Members should compare fixed-rate and secured options carefully based on their collateral availability and payment preferences for optimal borrowing decisions.
Liberty
As of August 15, 2025, Liberty's personal loan rates remain stable with no changes over the past 30 days. The Certificate pledge loan offers the lowest APR at 2.00%, ideal for members seeking low-cost secured borrowing. The Share pledge closely follows at 2.05%, also providing affordable secured options. For unsecured needs, the standard Personal loan maintains a consistent APR of 9.59%, suitable for general borrowing. Members needing flexible access can consider the Line of credit / overdraft protection at 11.50%. Review these fixed-rate and secured options carefully to align with your financial goals and risk tolerance.
Affinity
As of August 15, 2025, all Affinity personal loan rates remain steady with no changes over the past 30 days. The lowest APR is 2.0% on the Certificate secured loan, ideal for members seeking low-risk borrowing. The Shared secured loan offers a competitive 2.75% APR, while unsecured options like the Personal loan and Debt consolidation loan hold at 12.5% and 13.25%, respectively. Members consolidating student debt benefit from a fixed 4.99% APR under the Student loan consolidation program. Review your financial goals carefully and consider fixed-rate products for predictable payments aligned with your borrowing needs.
Global
As of August 15, 2025, Global's personal loan rates remain stable with no changes in APRs over the past 30 days. The Pledge of certificates loan offers the lowest rate at 2.0% APR, ideal for members seeking secured borrowing with minimal cost. Close behind, the Pledge of shares product holds a competitive 2.1% APR, also suited for secured loans. Among unsecured options, the Misc. item and equipment loan maintains a steady 7.5% APR, beneficial for affordable equipment financing. The Signature loan and Credit line both hold higher rates at 14.9% and 13.5% APR, respectively, consistent over time. Members should compare these fixed-rate options to align borrowing costs with their financial goals.
Scott
As of August 15, 2025, Scott’s Pledge Share Loans maintain the lowest rate at a steady 2.0% APR, ideal for members seeking affordable, secured borrowing. Both Ready Reserve Overdraft Protection and Signature Loans hold firm at 16.0% and 12.0% APR respectively, with no changes over the past 30 days. Members prioritizing low-cost secured options should consider Pledge Share Loans, while those needing flexible unsecured credit can evaluate Signature Loans for consistent terms. For payment certainty, comparing these fixed-rate products based on your borrowing purpose is recommended.
Fccu
As of August 15, 2025, Fccu personal loan rates remain steady across all products with no changes over the past 30 days. The most affordable borrowing option is the Cd secured loan at 2.0% APR, ideal for members seeking low-risk, secured financing. For unsecured needs, the Personal loan at 11.99% APR offers consistent terms, while those aiming to reduce high-interest debt might consider the Debt consolidation loan at 12.74% APR. Members should compare fixed-rate and secured options carefully to align borrowing costs with financial goals and risk tolerance.
Apple
As of August 15, 2025, Apple Credit Union’s personal loan rates remain stable with no changes over the past 30 days. The lowest APR is offered by the Savings secured certificate at a fixed 2.00%, ideal for members seeking low-risk borrowing backed by certificates. Members wanting flexible borrowing can consider the Educator line of credit and First responder line of credit, both steady at 7.50% APR. For unsecured options, the Signature loan holds a competitive fixed rate of 9.99%, while the Signature line of credit is higher at 11.74% APR. Members should compare fixed and variable terms to match their financial goals.
LendMesh
Your goals aren’t one-size-fits-all, so why should your loan options be? At LendMesh, we help you find personal loans that match your life—not just your credit score. We work with a wide network of credit unions and banks to make sure you get access to competitive rates, flexible terms, and helpful insights. Ready to compare offers side by side? Visit https://www.lendmesh.com/loans/personal_loans and find a fit that’s truly yours.
Conclusion
If you’re planning to consolidate high-interest debt or finance a major life event, now is a great time to explore secured loan options that offer some of the lowest APRs available—often under 3%—to save money over time. Remember that share-secured loans typically come with lower rates because they use your savings or certificates as collateral, so if you have those accounts, ask about these programs first. For those without collateral, signature loans around 9-12% APR still provide manageable terms for many borrowers. Keep an eye on special-purpose products like student loan consolidation plans or home improvement loans that match your goals closely. As always, reviewing your credit union’s full suite of offers and comparing terms can help you find the best fit—and checking back weekly ensures you don’t miss any rate changes or new promotions. Taking these steps will empower you to make smart borrowing choices that support your financial well-being today and into the future.