Introduction
On September 7, 2025, credit union members have plenty of promising options to explore, especially if you’re seeking low APR loans that fit your financial goals. Whether you’re building credit, consolidating debt, or planning a big purchase, today’s rates highlight some standout opportunities. For those looking for the lowest secured loan rates, several credit unions offer highly competitive options at just 2.0% APR—including certificate-secured loans at Liberty, Randolph Brooks, Texas Dow Employees, and others. If unsecured signature loans are more your style, Trumark Financial impresses with a steady 10.49% APR, while Redstone’s personal unsecured signature loans hover slightly higher around 11.19%. Notably, Redstone introduced a new "Personal stretch" loan at 17.0%, expanding choices for members needing flexible terms. Over the past month, rates have remained stable overall, giving borrowers confidence to lock in deals without rushing. With these solid rates and diverse programs on the table, credit union members can confidently pursue their financial plans with competitive APRs and tailored lending solutions.
Personal Loans
| Lender | Product | 2025-09-07 Current | 2025-08-23 15 Days Ago | 2025-08-08 30 Days Ago | 2025-07-24 45 Days Ago | 2025-07-09 60 Days Ago | 2025-08-31 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 |
| LIBERTY FEDERAL CREDIT UNION | Certificate pledge | 2% | 2% | 2% | 2% | 2% | 2% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Certificate secured | 2% | 2% | N/A | 2% | 2% | 2% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Share secured | 2% | 2% | 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 |
| SCOTT CREDIT UNION | Pledge share loans | 2% | 2% | 2% | 2% | N/A | 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) 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% |
| 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% | 7.74% | 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% |
| 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% | N/A | 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 |
| 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% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Line of credit | 11.95% | 11.95% | 11.95% | 11.95% | 11.95% | 11.95% |
| SCOTT CREDIT UNION | Signature loans | 12% | 12% | 12% | 12% | N/A | 12% |
| 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 |
| SCOTT CREDIT UNION | Ready reserve overdraft protection | 16% | N/A | 16% | 16% | N/A | 16% |
| 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 7, 2025, Redstone’s personal loan rates remain stable with minor shifts. The Personal line of credit/overdraft APR decreased slightly from 12.71% to 12.51%, offering better flexibility for short-term borrowing. The Personal unsecured signature loans for 60 and 72 months saw a modest decline of about 0.10 percentage points (10 bps), now at 11.19% and 11.39%, respectively. The Credit builder and Share secured loans hold the lowest APRs at 1.0% and 3.0%, ideal for members building credit or seeking secured borrowing options. Members should compare fixed-rate signature loans versus variable lines of credit based on their repayment preferences and financial goals.
TRUMARK FINANCIAL CREDIT UNION
As of September 7, 2025, Trumark Financial personal loan rates remain steady across all products with no changes in the past 30 days. Members seeking the lowest borrowing cost will find the Share-secured loan at 1.8% APR most attractive, followed by the Term-share secured loan and First credit loan at 6.25% APR each. For unsecured needs, Unsecured-installment signature loans offer a competitive 10.49% APR, while stock-backed loans stand at 8.49% APR. Consider your borrowing purpose carefully—secured loans provide lower rates for members with collateral, whereas unsecured options suit those without assets. Review these fixed-rate offerings to align your choice with financial goals and risk tolerance.
TEXAS DOW EMPLOYEES CREDIT UNION
As of September 07, 2025, all personal loan rates at Texas Dow Employees remain stable 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-cost, secured borrowing options. For unsecured needs, both the Personal loan and Home advantage loan hold steady at 7.74% APR, suitable for general financing or home-related expenses. The Cash $tash line of credit remains unchanged at 9.74% APR, providing flexible access to funds. Members should compare these fixed-rate products carefully based on their borrowing goals and consider secured loans for lower costs or unsecured options for convenience.
ADVANCIAL FEDERAL CREDIT UNION
As of September 7, 2025, Advancial’s Savings-secured loan offers the lowest rate at 2.0% APR, providing an affordable option for members with savings to pledge. Both the Signature loan and the True line of credit carry identical rates of 9.9% APR, reflecting stable borrowing costs with no recent changes to report. Members seeking low-cost borrowing backed by savings may find the secured loan most beneficial, while those needing flexible access or unsecured funds can consider the signature or line of credit products. Reviewing your financial goals and comparing these fixed rates can help identify the best fit for your borrowing needs.
LIBERTY FEDERAL CREDIT UNION
As of September 7, 2025, Liberty's personal loan rates remain steady with no changes in the past 30 days. The most competitive secured options are the Certificate pledge at 2.00% APR and the Share pledge at 2.05% APR, ideal for members seeking low-cost borrowing backed by savings. For unsecured needs, the standard Personal loan holds at 9.59% APR, while the Home improvement loan remains at 10.39% APR. Members considering flexible access can evaluate the Line of credit / overdraft protection at 11.50% APR. Review your borrowing goals to determine if fixed-rate or secured products best fit your financial plan.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of September 7, 2025, Randolph Brooks personal loan rates remain stable across all products. The Certificate secured and Share secured loans continue to offer the lowest APR at 2.0%, ideal for members seeking affordable, low-risk borrowing. The Signature loan holds steady at 12.15% APR, while the Line of credit remains unchanged at 11.95% APR, providing flexible access to funds with a slightly lower rate than unsecured signature loans. Members should compare fixed-rate options like secured loans for predictable payments or consider lines of credit if flexibility is a priority.
AFFINITY FEDERAL CREDIT UNION
As of September 7, 2025, Affinity 857 loan rates remain stable with no changes over the past week. The most affordable option is the Certificate secured loan at 2.0% APR, ideal for members seeking low-risk borrowing. For those consolidating debt, the Debt consolidation loan and standard Personal loan both hold steady at 13.25% and 12.5% APR, respectively. Members needing flexible access can consider the Privateline overdraft protection at 14.75% APR or the Shared secured loan at 2.75% APR. The Student loan consolidation program offers a competitive fixed rate of 4.99% APR.
Review your financial goals and compare these fixed and secured options to find the best fit for your borrowing needs.
Y-12 FEDERAL CREDIT UNION
As of September 7, 2025, Y12’s Share secured - installment loan offers the lowest APR at a highly competitive 2.0%, ideal for members seeking low-cost borrowing with collateral. Unsecured options include the Signature loan at 12.49% APR and the Ultra loan at 13.99% APR, providing flexible choices for varying credit needs. The newly available Access line of credit carries a higher rate at 15.24% APR, suitable for members needing revolving credit access. Since these rates are new with no prior data, members should carefully compare terms and consider fixed-rate loans if payment predictability is a priority.
GLOBAL FEDERAL CREDIT UNION
As of September 7, 2025, Global offers a range of personal loan rates with the lowest APR at 2.0% for the Pledge of certificates (secured) loan, closely followed by the Pledge of shares (secured) loan at 2.1%. Unsecured borrowing through the Signature loan carries a higher rate at 14.9% APR, while flexible access is available via the Credit line at 13.5% APR. The Miscellaneous item and equipment loan rate stands at 7.5% APR, offering moderate costs for specific needs. Members seeking low-cost secured loans might consider certificate or share pledges, whereas those needing unsecured funds should compare fixed-rate options like the signature loan for payment certainty.
SCOTT CREDIT UNION
As of September 7, 2025, Scott’s personal loan rates remain stable with no changes over the past 30 days. The Pledge share loans offer the lowest APR at a consistent 2.0%, ideal for members seeking low-cost, secured borrowing options. Signature loans hold steady at 12.0% APR, suitable for straightforward unsecured borrowing needs. Meanwhile, Ready reserve overdraft protection maintains a higher rate of 16.0% APR, reflecting its short-term convenience but higher cost. Members should assess their borrowing purpose and consider fixed-rate products like Pledge share loans for predictable payments or compare unsecured options if flexibility is a priority.
LendMesh
When life moves fast, your financing options should keep up. At LendMesh, we help you explore personal loans that are built for real-world speed—quick approvals, simple applications, and trusted lenders. From handling surprise expenses to chasing new opportunities, you’ll find support every step of the way. Visit https://www.lendmesh.com/loans/personal-loans and move forward with clarity and confidence.
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Conclusion
As you consider your next financial move—whether it’s tackling high-interest debt or funding an unexpected expense—remember that choosing the right loan with the lowest possible APR can save you hundreds or even thousands over time. Secured loans tied to certificates or shares remain some of the most affordable options if you have collateral available. For those preferring unsecured loans, focusing on credit unions like Trumark Financial or Redstone could be your best bet for manageable payments and clear terms. Keep an eye out for loan products offering fixed rates to protect against future market shifts. Most importantly, take advantage of today’s stable and attractive rates by comparing programs carefully and reaching out to your local credit union to discuss personalized options. Don’t wait—review your borrowing needs now and revisit rates frequently to seize timely opportunities as they arise. Your financial wellness journey is ongoing; staying informed is key to making smart decisions every step of the way.