Introduction
As of September 5, 2025, credit union members have some exciting personal loan opportunities to explore. If you’re seeking the lowest APRs on secured loans, several credit unions are offering rates as low as 2.0% on certificate-secured and share-secured loans—perfect for borrowers looking for affordable, collateral-backed options. For those interested in unsecured signature loans, Redstone and Trumark Financial present competitive rates hovering around 10.49% to 11.39%, giving members solid choices for flexible borrowing terms. Notably, there’s a new entry from Redstone’s “Personal stretch” loan at 17.0%, adding variety for different financial needs. Whether you’re consolidating debt or planning a big purchase, today’s data highlights standout products like Texas Dow Employees’ home advantage and personal loans both at 7.74%, blending affordability with member-friendly terms. Keep an eye on these steady rates—they provide stability and confidence for your next financial move.
Personal Loans
| Lender | Product | 2025-09-05 Current | 2025-08-21 15 Days Ago | 2025-08-06 30 Days Ago | 2025-07-22 45 Days Ago | 2025-07-07 60 Days Ago | 2025-08-29 7 Days Ago |
|---|---|---|---|---|---|---|---|
| REDSTONE FEDERAL CREDIT UNIONLOWEST | Credit builder | 1% | 1% | 1% | 1% | 1% | 1% |
| TRUMARK FINANCIAL CREDIT UNION | Share-secured loan | 1.8% | 1.8% | 1.8% | 1.8% | N/A | 1.8% |
| 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% |
| ADVANCIAL FEDERAL CREDIT UNION | Savings-secured | 2% | N/A | N/A | N/A | N/A | N/A |
| ORNL FEDERAL CREDIT UNION | Name share certificate secured | 2% | N/A | N/A | N/A | N/A | N/A |
| ORNL FEDERAL CREDIT UNION | Name share secured | 2% | N/A | N/A | N/A | N/A | N/A |
| LIBERTY FEDERAL CREDIT UNION | Certificate pledge | 2% | 2% | 2% | 2% | 2% | 2% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Certificate secured | 2% | N/A | N/A | 2% | 2% | 2% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Share secured | 2% | N/A | N/A | 2% | 2% | 2% |
| AFFINITY FEDERAL CREDIT UNION | Certificate secured loan | 2% | N/A | N/A | N/A | N/A | 2% |
| Y-12 FEDERAL CREDIT UNION | Share secured - installment loan | 2% | N/A | N/A | N/A | N/A | N/A |
| GLOBAL FEDERAL CREDIT UNION | Pledge of certificates (secured) loan rates | 2% | N/A | N/A | N/A | N/A | N/A |
| 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) loan rates | 2.1% | N/A | N/A | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Shared secured loan | 2.75% | N/A | N/A | N/A | N/A | 2.75% |
| REDSTONE FEDERAL CREDIT UNION | Share secured | 3% | 3% | 3% | 3% | 3% | 3% |
| AFFINITY FEDERAL CREDIT UNION | Student loan consolidation program | 4.99% | N/A | N/A | N/A | N/A | 4.99% |
| ORNL FEDERAL CREDIT UNION | Name secured loans (auto, motorcycle & atv) | 5.89% | N/A | N/A | N/A | N/A | N/A |
| TRUMARK FINANCIAL CREDIT UNION | First credit loan | 6.25% | 6.25% | 6.25% | 6.25% | N/A | 6.25% |
| TRUMARK FINANCIAL CREDIT UNION | Term-share secured loan | 6.25% | 6.25% | 6.25% | 6.25% | N/A | 6.25% |
| GLOBAL FEDERAL CREDIT UNION | Misc. item and equipment loan rates | 7.5% | N/A | N/A | N/A | N/A | N/A |
| 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 | Name secured loans (boat & rv) | 8.29% | N/A | N/A | N/A | N/A | N/A |
| TRUMARK FINANCIAL CREDIT UNION | Stock loans to 75% of value | 8.49% | 8.49% | 8.49% | 8.49% | N/A | 8.49% |
| 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% | 9.59% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Cash $tash line of credit | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% |
| ADVANCIAL FEDERAL CREDIT UNION | Signature | 9.9% | N/A | N/A | N/A | N/A | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | True line of credit | 9.9% | N/A | N/A | N/A | N/A | N/A |
| ORNL FEDERAL CREDIT UNION | Name personal | 9.99% | N/A | N/A | N/A | N/A | N/A |
| LIBERTY FEDERAL CREDIT UNION | Home improvement | 10.39% | 10.39% | 10.39% | 10.39% | 10.39% | 10.39% |
| TRUMARK FINANCIAL CREDIT UNION | Unsecured-installment signature loans | 10.49% | 10.49% | 10.49% | 10.49% | N/A | 10.49% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 60 months | 11.19%▼ 10 bps | 11.29% | 11.29% | 11.29% | 11.29% | 11.29% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 72 months | 11.39%▼ 10 bps | 11.49% | 11.49% | 11.49% | 11.49% | 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 | Name personal line of credit | 11.74% | N/A | N/A | N/A | N/A | N/A |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Line of credit | 11.95% | 11.95% | 11.95% | 11.95% | 11.95% | 11.95% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Signature loan | 12.15% | 12.15% | 12.15% | 12.15% | 12.15% | 12.15% |
| Y-12 FEDERAL CREDIT UNION | Signature loan | 12.49% | N/A | N/A | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Personal loan | 12.5% | N/A | N/A | N/A | N/A | 12.5% |
| REDSTONE FEDERAL CREDIT UNION | Personal line of credit/overdraft | 12.51%▼ 20 bps | 12.71% | 12.71% | 12.78% | 12.78% | 12.71% |
| AFFINITY FEDERAL CREDIT UNION | Debt consolidation loan | 13.25% | N/A | N/A | N/A | N/A | 13.25% |
| GLOBAL FEDERAL CREDIT UNION | Credit line rates | 13.5% | N/A | N/A | N/A | N/A | N/A |
| Y-12 FEDERAL CREDIT UNION | Ultra loan | 13.99% | N/A | N/A | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Privateline overdraft protection | 14.75% | N/A | N/A | N/A | N/A | 14.75% |
| GLOBAL FEDERAL CREDIT UNION | Signature (unsecured) loan rates | 14.9% | N/A | N/A | N/A | N/A | N/A |
| Y-12 FEDERAL CREDIT UNION | Access line of credit | 15.24% | N/A | N/A | N/A | N/A | N/A |
| REDSTONE FEDERAL CREDIT UNION | Personal stretch* | 17% | N/A | N/A | N/A | N/A | N/A |
| TRUMARK FINANCIAL CREDIT UNION | Better choice | 18% | 18% | 18% | 18% | N/A | 18% |
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 September 5, 2025, Redstone's Credit Builder Loan and Share Secured Loan maintain the lowest APRs at 1.0% and 3.0%, respectively, with no rate changes in the past month. The Home Equity Line of Credit - Classic remains steady at 8.125%. Notably, the Personal Line of Credit/Overdraft APR decreased slightly by 0.20 percentage points (20 bps) from 12.71% to 12.51% over the last week, improving borrowing costs for flexible credit access. Meanwhile, unsecured signature loans for 60 and 72 months saw minor declines of 0.10 percentage points (10 bps), now at 11.19% and 11.39%, respectively. Members should compare fixed-rate versus variable options based on their repayment preferences and financial goals.
TRUMARK FINANCIAL CREDIT UNION
As of September 5, 2025, Trumark Financial’s personal loan rates remain stable with no changes over the past 30 days. The lowest APR is offered by the Share-secured loan at 1.8%, ideal for members seeking low-cost borrowing secured by savings. For first-time borrowers, the First credit loan and Term-share secured loan both hold steady at a competitive 6.25% APR. Unsecured borrowing through Unsecured-installment signature loans remains at 10.49%, while stock-backed loans are priced at 8.49% APR. Members should compare fixed-rate options to align borrowing costs with their financial goals and risk tolerance.
TEXAS DOW EMPLOYEES CREDIT UNION
As of September 5, 2025, Texas Dow Employees credit union’s personal loan rates remain stable across all products with no changes in APR over the past 30 days. The Certificate of deposit secured loan and Share secured loan offer the lowest rates at 2.0% APR, ideal for members seeking low-risk borrowing backed by savings. Unsecured options like the Personal loan and Home advantage loan hold steady at 7.74% APR, suitable for general borrowing needs. The Cash $tash line of credit remains at 9.74% APR, providing flexible access to funds. Members should compare these fixed-rate loans carefully and consider secured options for lower costs if eligible.
ADVANCIAL FEDERAL CREDIT UNION
As of September 5, 2025, Advancial's personal loan rates show stable offerings with no recent changes reported. The Savings-secured loan carries the lowest APR at 2.0%, ideal for members seeking low-cost borrowing backed by their savings. Both the Signature loan and the True line of credit share a competitive unsecured APR of 9.9%, suitable for flexible borrowing without collateral. Members should compare these fixed-rate options carefully to align with their financial goals, especially if prioritizing payment certainty or leveraging secured loans for lower rates.
ORNL FEDERAL CREDIT UNION
As of September 5, 2025, Ornl’s personal loan rates show stable borrowing costs with no prior data for trend comparison. The Name secured loans (auto, motorcycle & ATV) offer the lowest unsecured APR at 5.89%, ideal for members seeking affordable vehicle financing. For members preferring flexibility, the Name personal line of credit stands at 11.74% APR. The most competitive rates overall are secured options like the Name share certificate secured and Name share secured, both at a low 2.0% APR, suitable for those leveraging savings collateral. Members should compare these products based on loan purpose and risk tolerance, considering fixed-rate secured loans for predictable payments.
LIBERTY FEDERAL CREDIT UNION
As of September 5, 2025, Liberty's personal loan rates remain stable with no changes in APRs over the past 30 days. The lowest APR is 2.00% on the Certificate Pledge loan, ideal for members seeking low-cost secured borrowing. The Share Pledge also offers a competitive rate at 2.05%, while unsecured options like the Personal Loan at 9.59% and Home Improvement loan at 10.39% provide fixed-rate choices for flexible needs. Members should compare secured versus unsecured loans based on their collateral availability and repayment goals to identify the most cost-effective borrowing option.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of September 5, 2025, Randolph Brooks Credit Union's personal loan rates remain stable with no changes over the past 30 days. The Certificate secured and Share secured loans offer the lowest APR at a competitive 2.0%, ideal for members seeking low-cost, secured borrowing options. The Signature loan and Line of credit maintain higher, fixed APRs at 12.15% and 11.95%, respectively, suitable for unsecured borrowing or flexible credit access. Members should compare fixed-rate secured loans for cost savings or consider the line of credit for revolving needs while prioritizing payment certainty and loan purpose alignment.
AFFINITY FEDERAL CREDIT UNION
As of September 5, 2025, Affinity 857 personal loan rates remain stable with no changes in the past 7 days. The Certificate secured loan offers the lowest APR at 2.0%, ideal for members seeking low-risk borrowing. For those aiming to reduce high-interest debt, the Debt consolidation loan and standard Personal loan hold steady at 13.25% and 12.5%, respectively. Members looking for flexibility can consider the Privateline overdraft protection at 14.75% or the Student loan consolidation program with a competitive 4.99% APR. Review your borrowing goals carefully and consider fixed-rate loans for predictable payments.
Y-12 FEDERAL CREDIT UNION
As of September 5, 2025, Y12's personal loan rates remain stable with no prior data for trend comparison. The lowest APR is the Share secured - installment loan at 2.0%, ideal for members seeking low-cost, secured financing. Among unsecured options, the Signature loan offers a competitive 12.49% APR, suitable for general borrowing needs. The Ultra loan at 13.99% and the Access line of credit at 15.24% provide flexible options for varying credit needs. Members should compare fixed-rate products like signature and secured loans for payment predictability and consider their borrowing purpose when selecting a product.
GLOBAL FEDERAL CREDIT UNION
As of September 5, 2025, Global offers a range of personal loan rates with no recent changes to compare. The Pledge of certificates (secured) loan rate at 2.0% APR and the Pledge of shares (secured) loan rate at 2.1% APR remain the most affordable options for members seeking low-cost secured borrowing. For unsecured needs, the Signature loan rate is 14.9% APR, while the Credit line rate stands at 13.5% APR. Members prioritizing payment certainty may consider these fixed-rate products, and those needing flexible borrowing could explore credit lines. Comparing secured versus unsecured options can help align loans with individual financial goals.
LendMesh
Imagine saying yes to the things you’ve been putting off—without tapping into your savings. That’s the power of a well-chosen personal loan. At LendMesh, we match you with banks and credit unions offering fair terms, fast approvals, and real transparency. Whether it’s home upgrades or a family emergency, we’re here to make borrowing smarter, not harder. Start now at https://www.lendmesh.com/loans/personal-loans and make today’s plans tomorrow’s progress.
Conclusion
Looking ahead, now is a great time to review your personal loan options carefully. If you’re consolidating debt or managing unexpected expenses, consider secured loans with APRs near 2.0%—they offer lower interest costs by leveraging your savings or certificates as collateral. For those who prefer unsecured financing, focusing on credit unions like Trumark Financial or Liberty could save you money with their competitive signature loan rates under 10%. Remember, consistent rates this month mean no surprises but also no rush; however, checking back regularly can help you catch any future dips that boost your savings even more. Before committing, assess your budget and compare terms to find the best fit for your unique situation. Your next smart financial decision might just be one rate check away!