Introduction
As of September 11, 2025, credit union members have a strong lineup of personal loan options to consider, with some standout low rates perfect for everything from debt consolidation to big life purchases. If you’re looking for the lowest APRs, secured loans continue to shine—several credit unions offer rates as low as 2.0% on share-secured and certificate-secured loans at institutions like Texas Dow Employees, Ornl, Liberty, and Randolph Brooks. For those needing unsecured options, Trumark Financial’s unsecured installment signature loans at 10.49% remain competitive and steady this month. Families and professionals seeking flexible borrowing will appreciate Redstone’s credit builder program at a mere 1.0% APR, ideal for boosting credit profiles affordably. Plus, noteworthy consistency in rates across the board means you can shop confidently without worrying about sudden spikes—though Affinity 857’s slight dip in their debt consolidation loan rate this month hints at some opportunity for savings there. Whether you want to tap into home equity or secure an affordable line of credit, today’s landscape offers a variety of smart choices tailored to your financial goals.
Personal Loans
| Lender | Product | 2025-09-11 Current | 2025-08-27 15 Days Ago | 2025-08-12 30 Days Ago | 2025-07-28 45 Days Ago | 2025-07-13 60 Days Ago | 2025-09-04 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 |
| APPLE FEDERAL CREDIT UNION | Savings secured certificate | 2% | 2% | 2% | 2% | 2% | 2% |
| ORNL FEDERAL CREDIT UNION | Share certificate secured | 2% | 2% | 2% | 2% | 2% | 2% |
| ORNL FEDERAL CREDIT UNION | Share secured | 2% | 2% | 2% | 2% | 2% | 2% |
| 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% | 2% | 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 | 2% |
| LIBERTY FEDERAL CREDIT UNION | Share pledge | 2.05% | 2.05% | 2.05% | 2.05% | 2.05% | 2.05% |
| AFFINITY FEDERAL CREDIT UNION | Shared secured loan | 2.75% | 2.75% | N/A | N/A | N/A | 2.75% |
| REDSTONE FEDERAL CREDIT UNION | Share secured | 3% | 3% | 3% | 3% | 3% | 3% |
| APPLE FEDERAL CREDIT UNION | Savings secured | 3% | 3% | 3% | 3% | 3% | 3% |
| AFFINITY FEDERAL CREDIT UNION | Student loan consolidation program | 4.99% | 4.99% | N/A | N/A | N/A | 4.99% |
| ADVANCIAL FEDERAL CREDIT UNION | Auto | 5.37% | N/A | N/A | N/A | N/A | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Stock-secured | 5.81% | 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% | 5.89% | 5.99% | 5.89% |
| 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% |
| ADVANCIAL FEDERAL CREDIT UNION | Boat | 6.4% | N/A | N/A | N/A | N/A | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Advancial assistance | 6.51% | N/A | N/A | N/A | N/A | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Home equity | 6.51% | N/A | N/A | N/A | N/A | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Motor home & travel trailer | 6.78% | N/A | N/A | N/A | N/A | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Motorcycle, jet ski, atv & pop-up camper | 7.3% | N/A | N/A | N/A | 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% | 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% |
| ORNL FEDERAL CREDIT UNION | Secured loans (boat & rv) | 8.29% | 8.29% | 8.29% | 8.29% | 8.29% | 8.29% |
| 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% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Personal line of credit | 9.74% | N/A | N/A | N/A | N/A | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Signature | 9.9% | N/A | N/A | N/A | N/A | 9.9% |
| ADVANCIAL FEDERAL CREDIT UNION | True line of credit | 9.9% | N/A | N/A | N/A | N/A | 9.9% |
| APPLE FEDERAL CREDIT UNION | Signature loan | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% |
| ORNL FEDERAL CREDIT UNION | Personal | 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% |
| 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% | 11.19% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 72 months | 11.39%▼ 10 bps | 11.49% | 11.49% | 11.49% | 11.49% | 11.39% |
| LIBERTY FEDERAL CREDIT UNION | Line of credit / overdraft protection | 11.5% | 11.5% | 11.5% | 11.5% | 11.5% | 11.5% |
| APPLE FEDERAL CREDIT UNION | Signature line of credit | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% |
| ORNL FEDERAL CREDIT UNION | Personal 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% |
| 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 | 12.49% |
| AFFINITY FEDERAL CREDIT UNION | Personal loan | 12.5% | 12.5% | 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% | 12.51% |
| AFFINITY FEDERAL CREDIT UNION | Debt consolidation loan | 13.5%▲ 25 bps | 13.25% | N/A | N/A | N/A | 13.25% |
| Y-12 FEDERAL CREDIT UNION | Ultra loan | 13.99% | N/A | N/A | N/A | N/A | 13.99% |
| AFFINITY FEDERAL CREDIT UNION | Privateline overdraft protection | 14.75% | 14.75% | N/A | N/A | N/A | 14.75% |
| Y-12 FEDERAL CREDIT UNION | Access line of credit | 15.24% | N/A | N/A | N/A | N/A | 15.24% |
| REDSTONE FEDERAL CREDIT UNION | Personal stretch* | 17% | N/A | N/A | N/A | N/A | 17% |
| 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 11, 2025, Redstone personal loan rates remain stable with no significant changes over the past month. The Credit builder and Share secured loans hold the lowest APRs at 1.0% and 3.0%, respectively—ideal for members building credit or seeking low-risk borrowing. Among unsecured options, the Personal unsecured signature - 60 months offers a competitive fixed APR of 11.19%, unchanged this week but down slightly by 0.10 percentage points (10 bps) compared to 30 days ago. Members should compare fixed-rate and line of credit products to align borrowing costs with their financial goals and payment preferences.
TRUMARK FINANCIAL CREDIT UNION
As of September 11, 2025, Trumark Financial’s personal loan rates remain steady with no changes in the past 30 days. The Share-secured loan offers the lowest APR at a competitive 1.8%, ideal for members seeking low-risk borrowing. For unsecured options, Unsecured-installment signature loans maintain a fixed 10.49% APR, while the First credit loan and Term-share secured loan both hold steady at 6.25% APR, suitable for first-time borrowers or those with savings collateral. Members should compare these fixed-rate products carefully to align borrowing choices with their financial goals and consider secured loans for lower rates and payment certainty.
TEXAS DOW EMPLOYEES CREDIT UNION
As of September 11, 2025, personal loan APRs at Texas Dow Employees remain stable across all products with no changes over the past 30 days. The most affordable borrowing options are the Certificate of deposit secured loan and the Share secured loan, each offering the lowest APR at a fixed 2.0%. For unsecured needs, both the Home advantage loan and standard Personal loan maintain an APR of 7.74%, while the Cash $tash line of credit and new Personal line of credit are set at 9.74%.
Members seeking low-cost, secured financing might consider these fixed-rate loans, whereas those needing flexible access should review line of credit options. Comparing fixed versus variable rates can help align choices with your financial goals.
ADVANCIAL FEDERAL CREDIT UNION
As of September 11, 2025, Advancial’s personal loan rates remain steady with no recent changes reported. The lowest APR is offered on the Savings-secured loan at 2.00%, ideal for members seeking low-risk borrowing tied to their savings. For unsecured options, both the Signature loan and True line of credit carry a consistent APR of 9.90%, suitable for those needing flexible or signature-based financing. Secured vehicle loans range from 5.37% for Auto to 7.30% for Motorcycle and similar vehicles, offering competitive rates for various asset types. Members should compare secured versus unsecured products based on collateral and payment certainty to best match their financial goals.
APPLE FEDERAL CREDIT UNION
As of September 11, 2025, Apple’s personal loan rates remain stable across all products with no changes over the past 30 days. The lowest APR is offered by the Savings secured certificate at 2.00%, ideal for members seeking a low-risk, secured borrowing option. For flexible access, both the Educator line of credit and First responder line of credit hold steady at 7.50% APR, suitable for these professions. Unsecured borrowing options include the Signature loan at 9.99% APR and the Signature line of credit at 11.74% APR. Members should compare fixed and variable rate options to align with their financial goals.
ORNL FEDERAL CREDIT UNION
As of September 11, 2025, Ornl's personal loan rates remain stable across all products with no changes over 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 backed by savings. For unsecured options, the Personal loan holds steady at 9.99% APR, suitable for general borrowing needs. Members considering vehicle purchases can benefit from Secured loans (auto, motorcycle & ATV) at a competitive 5.89% APR, while those financing boats or RVs have an option at 8.29% APR. Review your financial goals carefully and compare fixed-rate products to maintain payment predictability.
LIBERTY FEDERAL CREDIT UNION
As of September 11, 2025, Liberty’s personal loan rates remain stable with no changes in APRs over the past 30 days. The lowest secured rate is on the Certificate Pledge loan at 2.00% APR, ideal for members leveraging savings as collateral. The Share Pledge loan closely follows at 2.05% APR, also providing a low-cost borrowing option secured by share accounts. For unsecured borrowing, the Personal Loan offers a consistent 9.59% APR, while Home Improvement loans remain steady at 10.39% APR. Members seeking flexible access should note the Line of Credit/Overdraft Protection is priced at 11.50% APR.
Compare these fixed and variable options carefully to match your financial goals and risk tolerance.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of September 11, 2025, Randolph Brooks’ personal loan rates remain stable with no changes in the past 30 days. The Certificate secured and Share secured loans hold the lowest APR at a consistent 2.0%, ideal for members seeking affordable, low-risk borrowing options. The Signature loan and Line of credit maintain steady rates at 12.15% and 11.95% respectively, providing fixed terms for those needing unsecured funds or flexible access to credit. Members should compare secured versus unsecured products based on their financial goals and consider fixed-rate options for predictable payments.
AFFINITY FEDERAL CREDIT UNION
As of September 11, 2025, Affinity 857’s personal loan rates remain steady with no changes in APR across all products over the past 7 to 30 days. The Certificate secured loan offers the lowest rate at 2.0% APR, ideal for members seeking low-cost, secured borrowing. The Shared secured loan is slightly higher at 2.75% APR, while unsecured options like the Personal loan and Debt consolidation loan hold at 12.5% and 13.5% APR, respectively. For members focused on managing education debt, the Student loan consolidation program remains competitively priced at 4.99% APR. Compare these fixed-rate products carefully to match your financial goals and risk preferences.
Y-12 FEDERAL CREDIT UNION
As of September 11, 2025, Y12’s personal loan rates remain stable with no changes over the past 7 to 30 days. The Share secured - installment loan offers the lowest APR at 2.0%, ideal for members seeking low-cost, secured borrowing. Among unsecured options, the Signature loan holds a competitive rate at 12.49%, while the Ultra loan is slightly higher at 13.99%. The Access line of credit remains steady at 15.24%, suitable for flexible borrowing needs. Members should compare fixed and variable rates carefully to align with their financial goals and repayment preferences.
LendMesh
Every financial decision tells a story. Maybe you’re investing in yourself, managing a life change, or simply trying to catch your breath. At LendMesh, we make it easy to compare personal loans that support your goals—without drowning you in terms you don’t understand. With banks and credit unions competing for your trust, you’ll find options that feel just right. Visit https://www.lendmesh.com/loans/personal-loans to explore your next chapter.
Conclusion
When it comes to managing finances—be it consolidating debt, handling emergencies, or funding that next big purchase—taking advantage of the lowest available APRs can make a meaningful difference in your monthly budget and overall interest paid. Consider secured loans if you have collateral; their impressively low rates around 2.0% provide a cost-effective path to borrowing. For those without collateral or who prefer shorter terms, look closely at credit unions offering competitive unsecured signature loans under 11%. Remember to compare terms carefully and factor in fees or repayment flexibility before committing. If you’re planning ahead, now is a great time to review your credit union options and lock in favorable rates while they remain steady. Keep an eye on weekly updates too—small shifts can open doors to better deals. Your financial future deserves thoughtful decisions; stay informed, stay proactive, and revisit these rates often to seize the best opportunities for your unique needs.