Introduction
As of August 22, 2025, today's personal loan rates across credit unions offer some standout opportunities for members looking to save on borrowing costs. If you’re aiming for the lowest APRs, secured loans remain the best bet, with several credit unions like Texas Dow Employees, Ornl, and Affinity offering rates as low as 2.0% on share or certificate secured loans. For those seeking unsecured options, Apple’s signature loan at 9.99% and Ornl’s personal loan at the same rate provide competitive choices without collateral. Notably, there haven’t been any significant rate changes over the past month, giving borrowers a stable environment to plan their financing. Whether you’re consolidating debt or preparing for a big life event, these steady and attractive rates can help you make smart financial moves with confidence.
Personal Loans
Credit Union
Product
2025-08-22
(Current Day)
(Current Day)
2025-08-07
(15 Days Ago)
(15 Days Ago)
2025-07-23
(30 Days Ago)
(30 Days Ago)
2025-07-08
(45 Days Ago)
(45 Days Ago)
2025-06-23
(60 Days Ago)
(60 Days Ago)
2025-08-15
(7 Days Ago)
(7 Days Ago)
Redstone
Credit builder
1
1
1
1
1
1
Redstone
Home equity line of credit - classic
8.125
8.125
8.125
8.125
8.125
8.125
Redstone
Personal line of credit/overdraft
12.71
12.71
12.78▲ 7 bps
12.78▲ 7 bps
12.64▼ 7 bps
12.71
Redstone
Personal stretch and save*
17
17
17
17
17
17
Redstone
Personal unsecured signature - 60 months
11.29
11.29
11.29
11.29
11.39▲ 10 bps
11.29
Redstone
Personal unsecured signature - 72 months
11.49
11.49
11.49
11.49
11.59▲ 10 bps
11.49
Redstone
Share secured
3
3
3
3
3
3
Texas Dow Employees
Cash $tash line of credit
9.74
9.74
9.74
9.74
9.74
9.74
Texas Dow Employees
Certificate of deposit secured loan
2
2
2
2
2
2
Texas Dow Employees
Home advantage loan
7.74
7.74
7.74
7.74
8.99▲ 125 bps
7.74
Texas Dow Employees
Personal line of credit
9.74
9.74
9.74
9.74
9.74
9.74
Texas Dow Employees
Personal loan
7.74
7.74
7.74
7.74
7.74
7.74
Texas Dow Employees
Share secured loan
2
2
2
2
2
2
Apple
Educator line of credit
7.5
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
7.5
Apple
Savings secured
3
3
3
3
3
3
Apple
Savings secured certificate
2
2
2
2
2
2
Apple
Signature line of credit
11.74
11.74
11.74
11.74
11.74
11.74
Apple
Signature loan
9.99
9.99
9.99
9.99
9.99
9.99
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
Scott
Pledge share loans
2
2
2
2
Scott
Signature loans
12
12
12
12
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
First Community 66818
Cd secured
2
First Community 66818
Debt consolidation
12.74
12.74
First Community 66818
Personal
11.99
11.99
First Community 66818
Redicash
14.49
14.49
First Community 66818
Redicash plus
16.99
16.99
First Community 66818
Share secured
4.24
4.24
First Community 66818
Shared secured: single payment
5.99
5.99
Knoxville Tva Employees
Credit builder loan variable rate
2.15
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
2.15
Knoxville Tva Employees
Signature loan fixed rate
8.99
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
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
Bellco
Cd secured - variable
2.5
2.5
Bellco
Choiceline - fixed
8
8
Bellco
Choiceline - variable
7.5
7.5
Bellco
Personal line of credit - variable
17.15
17.15
Bellco
Personal loan - fixed
10.99
10.99
Bellco
Share-secured loan - variable
2.5
2.5
Redstone
As of August 22, 2025, Redstone's personal loan rates remain largely stable. The Credit builder loan holds the lowest APR at 1.0%, ideal for members building credit. The Share secured loan offers a low fixed rate of 3.0%, beneficial for those with collateral. Unsecured signature loans are steady at 11.29% (60 months) and 11.49% (72 months), while the Personal line of credit/overdraft saw a slight decline from 12.78% to 12.71% in the past month. The Home equity line of credit - classic remains unchanged at 8.125%. Members should compare these options carefully and consider fixed-rate loans for predictable payments.
Texas Dow Employees
As of August 22, 2025, all Texas Dow Employees personal loan rates remain stable with no changes over the past 30 days. The lowest APRs are offered by the Certificate of Deposit Secured Loan and Share Secured Loan at a competitive 2.0%, ideal for members seeking low-risk borrowing options. Unsecured products like the Personal Loan and Home Advantage Loan hold steady at 7.74%, suitable for general borrowing needs. For flexible access, the Cash $tash Line of Credit and Personal Line of Credit maintain a consistent APR of 9.74%. Members should review these fixed-rate options to match their financial goals and risk tolerance effectively.
Apple
As of August 22, 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 2.0%, ideal for members prioritizing low-risk borrowing. For those seeking unsecured options, the Signature loan provides a competitive fixed rate of 9.99%, while the Signature line of credit stands at 11.74%. Both the Educator and First responder lines of credit hold steady at 7.5%, supporting specialized member groups. Members should compare fixed-rate and secured options to align borrowing costs with their financial goals and risk tolerance.
Ornl
As of August 22, 2025, Ornl's personal loan rates remain stable with no changes over the past 30 days. The lowest APRs are on Share certificate secured and Share secured loans at 2.00%, ideal for members seeking low-risk borrowing options. Among unsecured products, the Personal loan holds steady at 9.99% APR, suitable for general borrowing needs, while the Personal line of credit remains at 11.74% APR, offering flexible access to funds. Secured loans for vehicles start at 5.89% APR, providing competitive rates for auto financing. Members should compare secured versus unsecured options based on collateral and payment certainty when planning borrowing strategies.
Scott
As of August 22, 2025, Scott Credit Union’s personal loan rates remain stable. The Pledge share loans offer the lowest APR at a consistent 2.0%, ideal for members seeking secured borrowing with minimal interest costs. Meanwhile, Signature loans hold steady at 12.0% APR, providing a fixed unsecured option suitable for general personal expenses. With no recent rate changes, members should compare these fixed-rate products based on their borrowing needs and consider the secured Pledge share loan for cost-effective borrowing or Signature loans for straightforward access without collateral.
Affinity
As of August 22, 2025, all Affinity personal loan rates remain steady with no changes over the past 30 days. The most affordable option is the Certificate secured loan at a 2.00% APR, ideal for members seeking low-risk borrowing. The Shared secured loan follows closely at 2.75% APR, also offering competitive rates for secured borrowing. For unsecured needs, the Personal loan holds at 12.5% APR, while the Debt consolidation loan remains at 13.25% APR, suitable for managing existing balances. Members should review these fixed rates carefully and consider which product aligns best with their financial goals and repayment plans.
First Community 66818
As of August 22, 2025, First Community 66818 personal loan rates remain stable with no changes over the past week. The most affordable option is the Cd secured loan at 2.00% APR, ideal for members seeking low-risk borrowing. For unsecured needs, the Personal loan at 11.99% APR offers competitive fixed rates, while Debt consolidation loans hold steady at 12.74% APR, suitable for managing multiple debts. Members considering flexible repayment might evaluate the Share secured single payment option at 5.99% APR. Review product terms carefully and consider fixed-rate loans if payment predictability is a priority.
Knoxville Tva Employees
As of August 22, 2025, Knoxville Tva Employees credit union's personal 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 low 2.15% APR, the most affordable options ideal for members building credit or seeking secured borrowing. Meanwhile, the Signature Loan fixed rate remains at 8.99% APR, offering predictable payments, while the Signature Loan variable rate stands at 13.42% APR, suited for those comfortable with fluctuating costs. Members should compare fixed and variable rates based on payment certainty and borrowing goals to select the best fit.
Barksdale
As of August 22, 2025, Barksdale's personal loan rates remain stable with no changes across all products in the past 30 days. The Savings secured loans offer the lowest APR at a consistent 2.25%, ideal for members seeking low-cost, collateral-backed borrowing. For unsecured needs, the Signature loan holds steady at 11.9% APR, while the Personal line of credit remains at 10.5% APR, providing flexible access to funds. The New miscellaneous collateral loan continues at 8.89% APR, offering an alternative secured option. Members should compare these fixed-rate options carefully to match their borrowing goals and risk preferences.
Bellco
As of August 22, 2025, Bellco's personal loan rates show newly available APRs without prior comparisons. The lowest APRs are on secured options: both the Cd secured - variable and Share-secured loan - variable stand at a competitive 2.5%, ideal for members leveraging collateral. For flexible borrowing, the Choiceline - variable offers a moderate 7.5% APR, while the fixed-rate Choiceline - fixed is slightly higher at 8.0%, suitable for those seeking payment stability. Unsecured borrowing via the Personal loan - fixed carries a higher rate of 10.99%, and the Personal line of credit - variable is currently at 17.15%. Members should carefully compare these options based on their collateral availability and preference for fixed versus variable rates to align with their financial goals.
LendMesh
You shouldn’t need a finance degree to get a fair personal loan. That’s why LendMesh exists. We simplify the process by giving you side-by-side comparisons from community-minded credit unions and nationwide lenders—all in one place. No stress. No tricks. Just real options and honest advice. Explore them at https://www.lendmesh.com/loans/personal_loans and get back to focusing on what matters most.
Conclusion
When considering a personal loan today, it’s important to match your borrowing needs with the right product. If you have assets to secure a loan, taking advantage of the low 2.0% APR secured loans can drastically reduce your interest costs. For those without collateral, focus on credit unions offering signature loans under 10%, like Apple and Ornl, which balance affordability with flexibility. Always remember to check the term lengths and total repayment amounts before committing. Even though rates have held steady recently, keep an eye on weekly updates—small shifts can impact your overall savings. Whether consolidating debt or funding emergencies, reviewing your options regularly ensures you don’t miss out on the best possible deal. Next week could bring new opportunities—stay informed and empowered!