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
Credit Union
Product
2025-09-05
(Current Day)
(Current Day)
2025-08-21
(15 Days Ago)
(15 Days Ago)
2025-08-06
(30 Days Ago)
(30 Days Ago)
2025-07-22
(45 Days Ago)
(45 Days Ago)
2025-07-07
(60 Days Ago)
(60 Days Ago)
2025-08-29
(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
12.51
12.71▲ 20 bps
12.71▲ 20 bps
12.78▲ 27 bps
12.78▲ 27 bps
12.71▲ 20 bps
Redstone
Personal stretch*
17
Redstone
Personal unsecured signature - 60 months
11.19
11.29▲ 10 bps
11.29▲ 10 bps
11.29▲ 10 bps
11.29▲ 10 bps
11.29▲ 10 bps
Redstone
Personal unsecured signature - 72 months
11.39
11.49▲ 10 bps
11.49▲ 10 bps
11.49▲ 10 bps
11.49▲ 10 bps
11.49▲ 10 bps
Redstone
Share secured
3
3
3
3
3
3
Trumark Financial
Better choice
18
18
18
18
18
Trumark Financial
First credit loan
6.25
6.25
6.25
6.25
6.25
Trumark Financial
Share-secured loan
1.8
1.8
1.8
1.8
1.8
Trumark Financial
Stock loans to 75% of value
8.49
8.49
8.49
8.49
8.49
Trumark Financial
Term-share secured loan
6.25
6.25
6.25
6.25
6.25
Trumark Financial
Unsecured-installment signature loans
10.49
10.49
10.49
10.49
10.49
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 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
Advancial
Savings-secured
2
Advancial
Signature
9.9
Advancial
True line of credit
9.9
Ornl
Name personal
9.99
Ornl
Name personal line of credit
11.74
Ornl
Name secured loans (auto, motorcycle & atv)
5.89
Ornl
Name secured loans (boat & rv)
8.29
Ornl
Name share certificate secured
2
Ornl
Name share secured
2
Liberty
Certificate pledge
2
2
2
2
2
2
Liberty
Computer and non-titled collateral
8.55
8.55
8.55
8.55
8.55
8.55
Liberty
Home improvement
10.39
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
11.5
Liberty
Personal loan
9.59
9.59
9.59
9.59
9.59
9.59
Liberty
Share pledge
2.05
2.05
2.05
2.05
2.05
2.05
Randolph Brooks
Certificate secured
2
2
2
2
Randolph Brooks
Line of credit
11.95
11.95
11.95
11.95
11.95
11.95
Randolph Brooks
Share secured
2
2
2
2
Randolph Brooks
Signature loan
12.15
12.15
12.15
12.15
12.15
12.15
Affinity 857
Certificate secured loan
2
2
Affinity 857
Debt consolidation loan
13.25
13.25
Affinity 857
Personal loan
12.5
12.5
Affinity 857
Privateline overdraft protection
14.75
14.75
Affinity 857
Shared secured loan
2.75
2.75
Affinity 857
Student loan consolidation program
4.99
4.99
Y12
Access line of credit
15.24
Y12
Share secured - installment loan
2
Y12
Signature loan
12.49
Y12
Ultra loan
13.99
Global
Credit line rates
13.5
Global
Misc. item and equipment loan rates
7.5
Global
Pledge of certificates (secured) loan rates
2
Global
Pledge of shares (secured) loan rates
2.1
Global
Signature (unsecured) loan rates
14.9
Redstone
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
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
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
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
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
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
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 857
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.
Y12
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
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!