Introduction
As of August 22, 2025, credit union personal loan rates remain steady, offering excellent opportunities for members looking to manage debt, handle emergencies, or plan for big life moments. Notably, the lowest APRs are found in secured loans and certificate-secured programs, with several credit unions offering rates as low as 2.0% APR on share and certificate secured loans—perfect for those seeking lower-cost borrowing options. For example, Liberty, Randolph Brooks, and Affinity all maintain these highly competitive certificate secured loan rates at 2.0% APR, while Apple and Ornl offer savings secured loans at similarly attractive rates. Signature loans typically range from about 8.99% to 12.15%, with Knoxville TVA Employees providing a fixed-rate signature loan at a standout 8.99% APR. If you’re after a personal unsecured loan, Redstone’s 60-month term sits competitively at 11.29% APR with no recent rate changes to note. Whether you prefer the security of collateralized lending or the flexibility of unsecured options, today’s rates give borrowers solid choices to fit various financial goals.
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)
Personal line of credit/overdraft
12.71
12.71
12.78▲ 7 bps
12.78▲ 7 bps
12.64▼ 7 bps
12.71
Personal unsecured signature - 60 months
11.29
11.29
11.29
11.29
11.39▲ 10 bps
11.29
Personal unsecured signature - 72 months
11.49
11.49
11.49
11.49
11.59▲ 10 bps
11.49
REDSTONE FEDERAL CREDIT UNION
As of August 22, 2025, Redstone’s personal loan rates remain stable across all products with no changes in APR over the past 30 days. The lowest APR is 1.0% on the Credit Builder loan, ideal for members building or rebuilding credit. For secured borrowing, the Share Secured loan offers a competitive 3.0% APR, while unsecured signature loans start at 11.29% (60 months) and 11.49% (72 months). The Home Equity Line of Credit Classic holds steady at 8.125%, suitable for flexible home-related expenses. Members should compare fixed and variable rate options carefully to align borrowing with financial goals and risk tolerance.
TEXAS DOW EMPLOYEES CREDIT UNION
As of August 22, 2025, Texas Dow Employees credit union’s personal loan rates remain stable with no changes over the past 30 days. The lowest APRs are on the Certificate of Deposit secured loan and Share secured loan, both at a highly competitive 2.0%, ideal for members seeking low-risk, secured borrowing. For unsecured options, the Personal loan and Home advantage loan offer consistent APRs at 7.74%, suitable for members needing fixed-rate financing. The Cash $tash line of credit and Personal line of credit hold steady at 9.74%, providing flexible borrowing with variable access. Members should carefully compare these options based on their collateral and repayment preferences to ensure alignment with financial goals.
APPLE FEDERAL CREDIT UNION
As of August 22, 2025, Apple Credit Union’s personal loan rates remain stable with no changes in APR over the past 30 days. The most competitive rate is on the Savings secured certificate at 2.0% APR, ideal for members seeking low-cost, secured borrowing. For unsecured options, the Signature loan offers a fixed 9.99% APR, while the Signature line of credit stands at 11.74% APR. Both educator and first responder lines of credit maintain steady rates at 7.5% APR. Members should compare secured and unsecured products based on their financial goals and consider fixed-rate loans for predictable payments.
ORNL FEDERAL CREDIT UNION
As of August 22, 2025, Ornl's personal loan rates remain stable across all products with no changes in the past 30 days. The lowest APR is 2.00% on both Share Certificate Secured and Share Secured loans, ideal for members seeking low-risk borrowing options backed by savings. Unsecured Personal loans hold steady at 9.99% APR, suitable for general borrowing needs, while Secured loans for auto, motorcycle & ATV offer a competitive 5.89% APR for vehicle financing. Members should compare unsecured and secured options carefully and consider fixed-rate loans to maintain predictable payments during uncertain financial periods.
LIBERTY FEDERAL CREDIT UNION
As of August 22, 2025, Liberty's personal loan rates remain stable with no changes over the past month. The most affordable secured options are the Certificate pledge at 2.0% APR and the Share pledge at 2.05% APR, ideal for members seeking low-cost borrowing using savings as collateral. For unsecured needs, the new Personal loans rate stands at 9.59% APR, providing a competitive fixed-rate option. Other products like Home improvement (10.39% APR) and Line of credit / overdraft protection (11.5% APR) maintain steady rates suitable for flexible borrowing. Members should carefully compare these offerings based on collateral preference and repayment flexibility to align with their financial goals.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of August 22, 2025, Randolph Brooks personal loan rates remain stable across all products. Both Certificate secured and Share secured loans hold the lowest APR at 2.0%, unchanged over the past month, ideal for members seeking low-risk borrowing. The Line of credit and Signature loan maintain steady APRs at 11.95% and 12.15%, respectively, offering consistent options for unsecured borrowing or flexible credit access. Members should carefully compare fixed-rate versus variable options to align borrowing costs with their financial goals and consider secured loans for the most affordable rates.
SCOTT CREDIT UNION
As of August 22, 2025, Scott’s Pledge Share Loans maintain the lowest APR at a steady 2.0%, reflecting no change over the past 30 days—ideal for members seeking low-cost, secured borrowing options. Meanwhile, Signature Loans remain fixed at 12.0% APR, consistent over the last month, offering a straightforward unsecured option for those needing flexible funds without collateral. Members should compare these products based on their security preferences and borrowing needs, considering fixed-rate loans if payment predictability is important.
AFFINITY FEDERAL CREDIT UNION
As of August 22, 2025, all Affinity personal loan APRs remain stable with no changes over the past 30 days. The most affordable secured borrowing option is the Certificate secured loan at 2.0% APR, closely followed by the Shared secured loan at 2.75% APR. For members aiming to manage existing balances, the Debt consolidation loan holds steady at 13.25% APR, while the unsecured Personal loan remains at 12.5% APR. Those seeking flexible access may consider the Privateline overdraft protection at 14.75% APR, and students can benefit from a consistent 4.99% APR through the Student loan consolidation program. Evaluate your borrowing goals carefully and consider fixed-rate loans for predictable payments.
KNOXVILLE TVA EMPLOYEES CREDIT UNION
As of August 22, 2025, Knoxville Tva Employees personal loan rates remain stable with no APR changes in the past 30 days. The Credit builder loan variable rate and Share secured variable rate both hold the lowest APR at a steady 2.15%, ideal for members seeking low-cost borrowing or credit building. Fixed-rate Signature loans remain at 8.99%, offering predictable payments, while variable-rate signature loans stand at 13.42%. Members prioritizing payment certainty may consider fixed rates, whereas those needing flexibility should review variable options carefully. Comparing these options based on your financial goals can help optimize borrowing decisions.
BARKSDALE FEDERAL CREDIT UNION
As of August 22, 2025, Barksdale personal loan rates remain stable with no changes over the past month. The Savings secured loans offer the lowest APR at a competitive 2.25%, ideal for members seeking low-cost borrowing backed by savings. For unsecured options, the Signature loan holds steady at 11.9% APR, while the Personal line of credit remains at 10.5% APR, suitable for flexible borrowing needs. The New miscellaneous collateral loan is fixed at 8.89% APR. Members should carefully compare these fixed-rate products to match their borrowing goals and consider secured loans for lower rates if payment predictability is a priority.
LendMesh
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Conclusion
When planning your next financial move—be it debt consolidation, emergency funds, or funding a major purchase—remember that locking in a low APR can save you hundreds over time. Secured loans and certificate-secured options continue to offer some of the most affordable rates available right now, so if you have assets like savings or certificates to pledge, this could be your smartest route. For those who need flexible repayment terms without collateral, consider credit unions like Knoxville TVA Employees for their competitive fixed-rate signature loans near 9%. Always review your credit union’s current offerings regularly since even small rate shifts can impact your borrowing costs significantly. Keep an eye out next week for any changes and don’t hesitate to ask about special programs like credit builder or debt consolidation loans tailored to your unique situation. Staying informed and proactive is the best way to make confident financial decisions that work for you and your family’s future.