Introduction
As of August 29, 2025, credit union members have plenty of reasons to feel optimistic about their borrowing options. Today’s rate landscape highlights some truly competitive opportunities, especially for those looking to secure the lowest possible APRs. If you’re seeking ultra-low secured loan rates, several credit unions are offering standout deals with rates as low as 2.0% APR on certificate-secured and share-secured loans from Liberty, Ornl, Randolph Brooks, and others. For those interested in unsecured personal loans, Redstone’s 11.29% APR on a 60-month signature loan remains one of the most attractive options available without collateral. Meanwhile, if flexibility is your priority, Redstone’s Personal Line of Credit holds steady at 12.71%, offering consistent terms this month. It’s also worth noting that many rates have held firm over the past 30 days, providing a stable environment for borrowers to plan confidently. Whether you’re consolidating debt or tackling a big life event, today’s offerings provide a solid foundation for smart financial moves.
Personal Loans
| Lender | Product | 2025-08-29 Current | 2025-08-14 15 Days Ago | 2025-07-30 30 Days Ago | 2025-07-15 45 Days Ago | 2025-06-30 60 Days Ago | 2025-08-22 7 Days Ago |
|---|---|---|---|---|---|---|---|
| REDSTONE FEDERAL CREDIT UNIONLOWEST | Credit builder | 1% | 1% | 1% | 1% | 1% | 1% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Certificate of deposit secured loan | 2% | 2% | 2% | 2% | 2% | 2% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Share secured loan | 2% | 2% | 2% | 2% | 2% | 2% |
| ORNL FEDERAL CREDIT UNION | Share certificate secured | 2% | 2% | 2% | 2% | N/A | 2% |
| ORNL FEDERAL CREDIT UNION | Share secured | 2% | 2% | 2% | 2% | N/A | 2% |
| LIBERTY FEDERAL CREDIT UNION | Certificate pledge | 2% | 2% | 2% | 2% | 2% | 2% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Certificate secured | 2% | N/A | 2% | 2% | N/A | 2% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Share secured | 2% | N/A | 2% | 2% | N/A | 2% |
| AFFINITY FEDERAL CREDIT UNION | Certificate secured loan | 2% | N/A | N/A | N/A | N/A | N/A |
| GLOBAL FEDERAL CREDIT UNION | Pledge of certificates (secured) | 2% | N/A | N/A | 2% | N/A | N/A |
| SCOTT CREDIT UNION | Pledge share loans | 2% | 2% | 2% | N/A | N/A | 2% |
| FIRST COMMUNITY CREDIT UNION | Cd secured | 2% | N/A | N/A | N/A | N/A | 2% |
| APPLE FEDERAL CREDIT UNION | Savings secured certificate | 2% | 2% | 2% | 2% | 2% | 2% |
| LIBERTY FEDERAL CREDIT UNION | Share pledge | 2.05% | 2.05% | 2.05% | 2.05% | 2.05% | 2.05% |
| GLOBAL FEDERAL CREDIT UNION | Pledge of shares (secured) | 2.1% | N/A | N/A | 2.1% | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Shared secured loan | 2.75% | N/A | N/A | N/A | N/A | N/A |
| REDSTONE FEDERAL CREDIT UNION | Share secured | 3% | 3% | 3% | 3% | 3% | 3% |
| APPLE FEDERAL CREDIT UNION | Savings secured | 3% | 3% | 3% | 3% | 3% | 3% |
| FIRST COMMUNITY CREDIT UNION | Share secured | 4.24% | N/A | N/A | N/A | N/A | 4.24% |
| AFFINITY FEDERAL CREDIT UNION | Student loan consolidation program | 4.99% | N/A | N/A | N/A | N/A | N/A |
| ORNL FEDERAL CREDIT UNION | Secured loans (auto, motorcycle & atv) | 5.89% | 5.89% | 5.89% | 5.99% | N/A | 5.89% |
| FIRST COMMUNITY CREDIT UNION | Shared secured: single payment | 5.99% | N/A | N/A | N/A | N/A | 5.99% |
| GLOBAL FEDERAL CREDIT UNION | Misc. item and equipment | 7.5% | 7.5% | 7.5% | 7.5% | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Educator line of credit | 7.5% | 7.5% | 7.5% | 7.5% | 7.5% | 7.5% |
| APPLE FEDERAL CREDIT UNION | First responder line of credit | 7.5% | 7.5% | 7.5% | 7.5% | 7.5% | 7.5% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Home advantage loan | 7.74% | 7.74% | 7.74% | 7.74% | 8.99% | 7.74% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Personal loan | 7.74% | 7.74% | 7.74% | 7.74% | 7.74% | 7.74% |
| REDSTONE FEDERAL CREDIT UNION | Home equity line of credit - classic | 8.125% | 8.125% | 8.125% | 8.125% | 8.125% | 8.125% |
| ORNL FEDERAL CREDIT UNION | Secured loans (boat & rv) | 8.29% | 8.29% | 8.29% | 8.29% | N/A | 8.29% |
| LIBERTY FEDERAL CREDIT UNION | Computer and non-titled collateral | 8.55% | 8.55% | 8.55% | 8.55% | 8.55% | 8.55% |
| LIBERTY FEDERAL CREDIT UNION | Personal loan | 9.59% | 9.59% | 9.59% | 9.59% | 9.59% | N/A |
| TEXAS DOW EMPLOYEES CREDIT UNION | Cash $tash line of credit | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% |
| ORNL FEDERAL CREDIT UNION | Personal | 9.99% | 9.99% | 9.99% | 9.99% | N/A | 9.99% |
| APPLE FEDERAL CREDIT UNION | Signature loan | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% |
| LIBERTY FEDERAL CREDIT UNION | Home improvement | 10.39% | 10.39% | 10.39% | 10.39% | 10.39% | 10.39% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 60 months | 11.29% | 11.29% | 11.29% | 11.29% | 11.39% | 11.29% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 72 months | 11.49% | 11.49% | 11.49% | 11.49% | 11.59% | 11.49% |
| LIBERTY FEDERAL CREDIT UNION | Line of credit / overdraft protection | 11.5% | 11.5% | 11.5% | 11.5% | 11.5% | 11.5% |
| ORNL FEDERAL CREDIT UNION | Personal line of credit | 11.74% | 11.74% | 11.74% | 11.74% | N/A | 11.74% |
| APPLE FEDERAL CREDIT UNION | Signature line of credit | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Line of credit | 11.95% | 11.95% | 11.95% | 11.95% | 11.95% | 11.95% |
| FIRST COMMUNITY CREDIT UNION | Personal | 11.99% | N/A | N/A | N/A | N/A | 11.99% |
| SCOTT CREDIT UNION | Signature loans | 12% | 12% | 12% | N/A | N/A | 12% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Signature loan | 12.15% | 12.15% | 12.15% | 12.15% | 12.15% | 12.15% |
| AFFINITY FEDERAL CREDIT UNION | Personal loan | 12.5% | N/A | N/A | N/A | N/A | N/A |
| REDSTONE FEDERAL CREDIT UNION | Personal line of credit/overdraft | 12.71% | 12.71% | 12.78% | 12.78% | 12.64% | 12.71% |
| FIRST COMMUNITY CREDIT UNION | Debt consolidation | 12.74% | N/A | N/A | N/A | N/A | 12.74% |
| AFFINITY FEDERAL CREDIT UNION | Debt consolidation loan | 13.25% | N/A | N/A | N/A | N/A | N/A |
| GLOBAL FEDERAL CREDIT UNION | Credit line | 13.5% | 13.5% | 13.5% | 13.5% | N/A | 13.5% |
| FIRST COMMUNITY CREDIT UNION | Redicash | 14.49% | N/A | N/A | N/A | N/A | 14.49% |
| AFFINITY FEDERAL CREDIT UNION | Privateline overdraft protection | 14.75% | N/A | N/A | N/A | N/A | N/A |
| GLOBAL FEDERAL CREDIT UNION | Signature (unsecured) | 14.9% | N/A | N/A | 14.9% | N/A | N/A |
| SCOTT CREDIT UNION | Ready reserve overdraft protection | 16% | 16% | 16% | N/A | N/A | N/A |
| FIRST COMMUNITY CREDIT UNION | Redicash plus | 16.99% | N/A | N/A | N/A | N/A | 16.99% |
| REDSTONE FEDERAL CREDIT UNION | Personal stretch and save* | 17% | 17% | 17% | 17% | 17% | 17% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
REDSTONE FEDERAL CREDIT UNION
As of August 29, 2025, Redstone's personal loan rates remain steady with no APR changes over the past 30 days. The Credit Builder Loan continues to offer the lowest rate at a fixed 1.0% APR, ideal for members building credit. For secured borrowing, the Share Secured Loan maintains a competitive 3.0% APR. Among unsecured options, the Personal Unsecured Signature Loan offers attractive fixed rates of 11.29% (60 months) and 11.49% (72 months). The Home Equity Line of Credit – Classic remains stable at 8.125% APR, suitable for flexible borrowing needs. Members should review these stable rates and consider their loan term preferences when planning borrowing strategies.
TEXAS DOW EMPLOYEES CREDIT UNION
As of August 29, 2025, Texas Dow Employees personal loan rates remain stable with no changes in 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-cost borrowing secured by savings. For unsecured options, both the Personal Loan and Home Advantage Loan hold steady at 7.74% APR, suitable for those needing fixed-rate financing without collateral. The Cash $tash Line of Credit remains at 9.74%, providing flexible revolving credit. Members should review secured versus unsecured options carefully and consider fixed rates to maintain predictable payments.
ORNL FEDERAL CREDIT UNION
As of August 29, 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. For unsecured needs, the Personal loan holds steady at 9.99% APR, suitable for general purposes, while the Personal line of credit remains at 11.74% offering flexible access to funds. Secured loans for vehicles start at 5.89% APR, and boat & RV loans are priced at 8.29% APR. Members should compare these fixed-rate products carefully based on collateral and borrowing goals to ensure alignment with their financial plans.
LIBERTY FEDERAL CREDIT UNION
As of August 29, 2025, Liberty's personal loan rates remain stable across all products with no changes over the past 30 days. The Certificate pledge loan offers the lowest APR at a consistent 2.00%, ideal for members seeking secure, low-cost borrowing. The Share pledge closely follows at 2.05%, another attractive secured option. For unsecured needs, the Personal loan holds steady at 9.59%, suitable for general borrowing, while the Home improvement loan remains fixed at 10.39%. Members should compare secured versus unsecured rates carefully and consider fixed-rate products for predictable payments aligned with their financial goals.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of August 29, 2025, Randolph Brooks' personal loan rates remain stable across all products with no changes in the past 7, 15, or 30 days. The Certificate secured and Share secured loans offer the lowest APR at a consistent 2.0%, ideal for members seeking low-cost borrowing backed by savings. The Signature loan and Line of credit maintain higher fixed rates at 12.15% and 11.95%, respectively, suitable for unsecured borrowing needs or flexible access to funds. Members should review their borrowing goals and consider secured options for the most affordable rates or fixed-rate loans for payment predictability.
AFFINITY FEDERAL CREDIT UNION
As of August 29, 2025, Affinity 857 offers competitive personal loan rates with no recent changes reported. The Certificate secured loan features the lowest APR at 2.00%, ideal for members seeking low-cost, secured borrowing. The Shared secured loan also presents a favorable rate at 2.75%. For unsecured options, the Personal loan carries an APR of 12.50%, while the Debt consolidation loan is slightly higher at 13.25%, suitable for members aiming to simplify payments. The Student loan consolidation program stands out at 4.99% for education-related debt relief. Members should carefully compare these fixed-rate options to align borrowing costs with their financial goals.
GLOBAL FEDERAL CREDIT UNION
As of August 29, 2025, Global’s personal loan rates remain stable, with no changes in the Credit line APR holding steady at 13.5% over the past 30 days. The Misc. item and equipment loan also remains at 7.5%, consistent with prior periods. New to the lineup, the secured loans—Pledge of certificates at 2.0% and Pledge of shares at 2.1%—offer the lowest borrowing costs, ideal for members seeking collateral-backed options. The unsecured Signature loan is available at 14.9%, suitable for those needing flexibility without collateral. Members should compare secured versus unsecured products based on their risk tolerance and repayment plans for optimal borrowing decisions.
SCOTT CREDIT UNION
As of August 29, 2025, Scott's Pledge Share Loans maintain the lowest APR at a steady 2.0%, unchanged over the past 30 days, making them ideal for members seeking low-cost, secured borrowing. The Signature Loans hold steady at 12.0% APR, offering consistent unsecured options without rate fluctuations. Meanwhile, Ready Reserve Overdraft Protection remains at a higher 16.0% APR, suitable for short-term overdraft coverage but with notably higher costs. Members should compare these fixed-rate products based on their borrowing needs and consider secured loans like pledge shares for affordability or signature loans for flexible, predictable payments.
FIRST COMMUNITY CREDIT UNION
As of August 29, 2025, First Community 66818 personal loan rates remain stable with no changes over the past week. The Cd secured loan offers the lowest APR at 2.00%, ideal for members seeking low-risk borrowing backed by certificates of deposit. For unsecured needs, the Personal loan holds a competitive rate at 11.99%, while those aiming to manage credit may consider the Debt consolidation loan at 12.74%. Members interested in flexible repayment can evaluate the Shared secured: single payment option at 5.99%. Reviewing fixed-rate versus secured options can help align borrowing with financial goals.
APPLE FEDERAL CREDIT UNION
As of August 29, 2025, all Apple credit union personal loan rates remain stable with no changes over the past 30 days. The most competitive rates are seen with the Savings secured certificate at 2.0% APR, followed by the Savings secured loan at 3.0% APR, offering excellent options for members seeking low-rate secured borrowing. Unsecured options include the Signature loan at 9.99% APR and the Signature line of credit at 11.74% APR. Both Educator and First responder lines of credit hold steady at 7.5% APR. Members should carefully compare these fixed-rate and line-of-credit products to align borrowing costs with their financial goals.
LendMesh
Need a little extra help this month—or this year? Personal loans through LendMesh are designed to meet you where you are. Whether you're planning a big life moment or catching up after a tough one, we help you compare loan options that work for you, not against you. Visit https://www.lendmesh.com/loans/personal-loans and take the pressure out of the process.
Conclusion
Looking ahead, now is an excellent time to evaluate your personal loan needs and take advantage of these competitive rates—especially the lowest secured loans hovering around 2.0% APR, which can significantly reduce borrowing costs when you have collateral available. If unsecured financing fits your situation better, consider locking in stable signature loan rates like those offered by Redstone and Apple before any potential market shifts. Remember to weigh loan terms carefully and prioritize products that align with your repayment ability and goals. For emergencies or large purchases, maintaining access to flexible lines of credit can offer peace of mind without locking you into long-term commitments. Keep an eye on your credit union’s updates next week—rates can shift quickly, and staying informed will help you seize the best opportunities as they arise. Your financial future is built one smart decision at a time!