Introduction
As of August 18, 2025, credit union members have some compelling personal loan options to consider. If you’re looking for the absolute lowest rates, secured loans like certificate and share-secured loans stand out with rates as low as 2.0% APR at several credit unions including Texas Dow Employees, Ornl, Liberty, and Affinity. For those seeking signature or unsecured loans, rates vary more widely—with Knoxville Tva Employees offering a competitive fixed-rate signature loan at 8.99% APR and Texas Dow Employees holding steady on personal loans at 7.74%. Notably, overdraft protection and line of credit programs tend to carry higher rates but offer flexibility when emergencies strike. No major rate changes have occurred in the past month, providing stability for members ready to make financial moves. Whether you’re consolidating debt or planning home improvements, today’s data highlights strong opportunities to save on interest through secured products or lock in fixed terms with reputable credit unions.
Personal Loans
Credit Union
Product
2025-08-18
(Current Day)
(Current Day)
2025-08-03
(15 Days Ago)
(15 Days Ago)
2025-07-19
(30 Days Ago)
(30 Days Ago)
2025-07-04
(45 Days Ago)
(45 Days Ago)
2025-08-11
(7 Days Ago)
(7 Days Ago)
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
9.99
Ornl
Personal line of credit
11.74
11.74
11.74
11.74
11.74
Ornl
Secured loans (auto, motorcycle & atv)
5.89
5.89
5.89
5.99▲ 10 bps
5.89
Ornl
Secured loans (boat & rv)
8.29
8.29
8.29
8.29
8.29
Ornl
Share certificate secured
2
2
2
2
2
Ornl
Share secured
2
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 loans
9.59
Liberty
Share pledge
2.05
2.05
2.05
2.05
2.05
Affinity
Certificate secured loan
2
2
2
2
2
Affinity
Debt consolidation loan
13.25
13.25
13.25
13.25
13.25
Affinity
Personal loan
12.5
12.5
12.5
12.5
12.5
Affinity
Privateline overdraft protection
14.75
14.75
14.75
14.75
14.75
Affinity
Shared secured loan
2.75
2.75
2.75
2.75
2.75
Affinity
Student loan consolidation program
4.99
4.99
4.99
4.99
4.99
Global
Credit line
13.5
13.5
13.5
13.5
13.5
Global
Misc. item and equipment loan
7.5
Global
Pledge of certificates (secured) loan
2
Global
Pledge of shares (secured) loan
2.1
Global
Signature (unsecured) loan
14.9
Scott
Pledge share loans
2
2
2
2
Scott
Ready reserve overdraft protection
16
16
16
16
Scott
Signature loans
12
12
12
12
Knoxville Tva Employees
Credit builder loan variable rate
2.15
2.15
2.15
2.15
2.15
Knoxville Tva Employees
Share secured variable rate
2.15
2.15
2.15
2.15
2.15
Knoxville Tva Employees
Signature loan fixed rate
8.99
8.99
8.99
8.99
8.99
Knoxville Tva Employees
Signature loan variable rate
13.42
13.42
13.42
13.42
13.42
Barksdale
New miscellaneous collateral
8.89
8.89
8.89
8.89
Barksdale
Personal line of credit
10.5
10.5
10.5
10.5
Barksdale
Savings secured loans
2.25
2.25
2.25
2.25
Barksdale
Signature loan
11.9
11.9
11.9
11.9
Hughes
Fixed rate loan
12.5
12.5
12.5
12.5
Hughes
Line of credit
16.45
16.45
16.45
16.45
16.45
Hughes
Main share savings pledge loan
2.55
2.55
2.55
2.55
2.55
Hughes
Signature loan
16.45
16.45
16.45
16.45
16.45
Newport News Shipbuilding Employees
Flexline line of credit
11.24
11.24
11.24
11.24
Newport News Shipbuilding Employees
Personal loan
11.49
11.49
11.49
11.49
Newport News Shipbuilding Employees
Savings secured
2.75
2.75
2.75
2.75
Newport News Shipbuilding Employees
Vacation club secured
2.75
2.75
2.75
2.75
Texas Dow Employees
As of August 18, 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 rates at a consistent 2.0% APR, ideal for members seeking low-cost borrowing backed by savings. For unsecured options, both the Personal loan and Home advantage loan maintain an unchanged rate of 7.74% APR, suitable for members needing fixed-rate financing. The Cash $tash line of credit also holds steady at 9.74% APR, providing flexible borrowing without rate fluctuations. Compare these options carefully to match your borrowing needs and consider secured loans for the lowest rates or fixed-rate loans for payment certainty.
Ornl
As of August 18, 2025, Ornl's personal loan rates remain stable with no changes over the past 30 days. The Personal Loan holds steady at 9.99% APR, while the Personal Line of Credit remains at 11.74% APR. For members seeking secured borrowing, rates are lowest for Share Certificate Secured and Share Secured Loans at 2.00% APR, offering the most affordable options. Vehicle loans, including Auto, Motorcycle & ATV Secured Loans at 5.89% APR and Boat & RV Secured Loans at 8.29% APR, also show consistent rates. Members should compare these fixed-rate products to align borrowing costs with their financial goals and consider secured options for lower APRs when feasible.
Liberty
As of August 18, 2025, Liberty’s personal loan rates remain stable across all products with no changes over the past 30 days. The lowest APR is 2.00% on the Certificate pledge loan, ideal for members seeking low-cost secured borrowing. For unsecured needs, Personal loans at 9.59% APR offer a competitive option for flexible borrowing, while Home improvement loans maintain a steady 10.39% APR for targeted projects. Members prioritizing overdraft protection can expect consistent rates at 11.50% APR. Review your borrowing goals and consider secured options like certificate or share pledges for lower rates, or fixed-rate personal loans to manage repayment predictably.
Affinity
As of August 18, 2025, Affinity's personal loan rates remain steady with no changes over the past 30 days. The Certificate secured loan offers the lowest APR at a consistent 2.0%, ideal for members seeking low-risk borrowing. The Shared secured loan follows closely at 2.75%, while unsecured options like the Personal loan and Debt consolidation loan hold firm at 12.5% and 13.25%, respectively. The Student loan consolidation program maintains an attractive fixed APR of 4.99%. Members should compare secured versus unsecured loans based on their collateral availability and financial goals to choose the best fit.
Global
As of August 18, 2025, Global’s Credit line APR remains steady at 13.5%, showing no change over the past 30 days. New offerings include the Misc. item and equipment loan at 7.5% APR, and secured loans with very competitive rates: Pledge of certificates loan at 2.0% APR and Pledge of shares loan at 2.1% APR—both newly available this period. The unsecured Signature loan stands at 14.9% APR, also a new listing.
Members seeking the lowest borrowing costs should consider the secured loans with APRs near 2%, ideal for those with certificates or shares to pledge. For flexible borrowing without collateral, the stable Credit line at 13.5% APR offers consistency.
Compare these options based on your collateral availability and repayment preferences; consider fixed-rate secured loans for payment certainty and lower rates if you can pledge assets.
Scott
As of August 18, 2025, Scott’s personal loan rates remain stable across all products. The lowest APR is on the Pledge Share Loans at 2.0%, unchanged over the past 30 days, offering an affordable secured borrowing option for members with shares pledged as collateral. Signature Loans hold steady at 12.0% APR, providing a fixed unsecured rate suitable for general borrowing needs. Meanwhile, Ready Reserve Overdraft Protection remains at 16.0% APR, consistent for short-term overdraft coverage. Members should compare these fixed-rate options based on their collateral and repayment preferences to identify the best fit for their financial goals.
Knoxville Tva Employees
As of August 18, 2025, Knoxville Tva Employees loan rates remain stable with no changes in the past 30 days. The Credit builder loan variable rate and Share secured variable rate both hold steady at a notably low 2.15% APR, offering the most affordable borrowing options for members seeking to build credit or leverage savings as collateral. Meanwhile, Signature loan fixed rate remains at 8.99% APR, providing predictable payments, whereas the Signature loan variable rate is higher at 13.42% APR, suitable for those comfortable with potential fluctuations. Members should compare fixed and variable rates carefully based on their risk tolerance and borrowing purpose.
Barksdale
As of August 18, 2025, Barksdale’s personal loan rates remain stable with no changes in APR across all products over the past month. The Savings secured loans continue to offer the lowest rate at 2.25% APR, ideal for members seeking low-cost borrowing backed by savings. For flexible access, the Personal line of credit maintains a steady 10.5% APR, while unsecured options like the Signature loan and New miscellaneous collateral stand at 11.9% and 8.89% APR, respectively. Members should carefully compare these fixed-rate options to align borrowing costs with their financial goals and repayment capacity.
Hughes
As of August 18, 2025, all Hughes personal loan rates remain steady with no changes over the past 30 days. The Main share savings pledge loan offers the lowest APR at 2.55%, ideal for members seeking a secured option with minimal borrowing costs. For unsecured borrowing, both the Fixed rate loan at 12.5% APR and the Signature loan at 16.45% APR provide clear rate options, while the Line of credit also holds steady at 16.45% APR, offering flexible access to funds. Members should compare fixed-rate and line of credit products based on payment stability versus flexibility to match their financial goals.
Newport News Shipbuilding Employees
As of August 18, 2025, all APRs at Newport News Shipbuilding Employees Credit Union remain stable with no changes over the past 30 days. The Flexline line of credit carries an APR of 11.24%, while the Personal loan holds steady at 11.49%. For members seeking the lowest borrowing costs, the Savings secured and Vacation club secured loans offer the most attractive rate at 2.75% APR, ideal for those comfortable using savings as collateral. Consider your borrowing goals carefully—compare unsecured versus secured options and evaluate fixed-rate products if payment predictability is a priority.
LendMesh
A personal loan isn’t just about borrowing money—it’s about creating breathing room. At LendMesh, we believe that access to affordable credit can be life-changing, especially when it’s easy to understand and compare. That’s why we partner with banks and credit unions who put your needs first. Explore flexible loan offers now at https://www.lendmesh.com/loans/personal_loans and find the right fit for your finances.
Conclusion
If you’re considering a personal loan this month, now is a great time to explore secured loan options with rates near 2.0% APR, which can significantly reduce borrowing costs. For families and professionals aiming to consolidate high-interest debt, focusing on credit unions offering lower signature or unsecured loan rates—like the 8.99% fixed-rate option from Knoxville Tva Employees—can help stretch your budget further. Remember to evaluate the terms carefully: secured loans often require collateral but reward you with better rates, while lines of credit provide flexibility for unexpected expenses. Keep an eye on your local credit unions’ offerings and don’t hesitate to ask about any recent promotions or rate adjustments next week. Staying informed and proactive could be your best strategy for managing finances smoothly through any life event or emergency ahead.