Introduction
On September 18, 2025, credit union members have plenty of reasons to feel optimistic about their borrowing options. Whether you’re eyeing a personal loan for debt consolidation, an emergency fund, or a big life event, today’s data highlights some truly competitive APRs. The standout opportunity is the share-secured loans at TRUMARK FINANCIAL and ORNL, both offering impressively low rates at just 1.8% and 2.0% APR, respectively, ideal for members looking to leverage savings for affordable credit. If unsecured loans are your focus, REDSTONE’s signature loans remain steady with rates just above 11%, while AFFINITY presents a consistent student loan consolidation rate at 4.99%, which is notably attractive for those managing education debt. No major rate fluctuations occurred over the past month, providing stability and predictability as you plan your finances. Overall, today’s rates underscore that smart borrowing through credit unions continues to be one of the most member-friendly ways to meet financial goals with confidence.
Personal Loans
Credit Union
Product
2025-09-18
(Current Day)
(Current Day)
2025-09-03
(15 Days Ago)
(15 Days Ago)
2025-08-19
(30 Days Ago)
(30 Days Ago)
2025-08-04
(45 Days Ago)
(45 Days Ago)
2025-07-20
(60 Days Ago)
(60 Days Ago)
2025-09-11
(7 Days Ago)
(7 Days Ago)
Personal line of credit/overdraft
12.51
12.51
12.71▲ 20 bps
12.71▲ 20 bps
12.78▲ 27 bps
12.51
Personal unsecured signature - 60 months
11.19
11.19
11.29▲ 10 bps
11.29▲ 10 bps
11.29▲ 10 bps
11.19
Personal unsecured signature - 72 months
11.39
11.39
11.49▲ 10 bps
11.49▲ 10 bps
11.49▲ 10 bps
11.39
REDSTONE FEDERAL CREDIT UNION
As of September 18, 2025, REDSTONE personal loan rates remain mostly stable. The Personal line of credit/overdraft rate holds at 12.51% APR, down slightly from 12.71% thirty days ago, reflecting a modest improvement in borrowing cost. Both Personal unsecured signature loans for 60 and 72 months maintain steady rates near 11.19% and 11.39% APR, respectively, with minor declines from last month. The Credit builder loan and Share secured loan continue to offer the lowest rates at 1.0% and the lowest overall at 3.0% APR, ideal for members building credit or seeking secured options. Members should compare fixed-rate signature loans for predictable payments or consider lines of credit for flexible borrowing needs. For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal,
TRUMARK FINANCIAL CREDIT UNION
As of September 18, 2025, TRUMARK FINANCIAL’s personal loan rates remain stable with no changes over the past 30 days. The Share-secured loan offers the lowest APR at 1.8%, ideal for members seeking low-cost borrowing backed by savings. For unsecured options, the Unsecured-installment signature loans carry a competitive rate of 10.49%. First-time borrowers may find the First credit loan appealing at 6.25% APR, matching the rate on the Term-share secured loan. Members should compare fixed and secured rates carefully to align borrowing costs with their financial goals. For more details, visit https://www.trumarkonline.org/rates/#:~:text=Signature%20Loan%20Rates-,Account%20%C2%A0,-Term%20%C2%A0.
TEXAS DOW EMPLOYEES CREDIT UNION
As of September 18, 2025, all personal loan rates at TEXAS DOW EMPLOYEES remain stable with no changes over the past 30 days. The Certificate of Deposit Secured Loan and Share Secured Loan offer the lowest APR at 2.0%, ideal for members seeking low-cost, secured borrowing options. Unsecured options like the Personal Loan and Home Advantage Loan maintain an APR of 7.74%, suitable for those needing fixed-rate financing. The Cash $tash Line of Credit and Personal Line of Credit hold steady at 9.74%, providing flexible borrowing for ongoing needs. Members should compare products based on their security preferences and consider fixed rates for predictable payments. For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
ORNL FEDERAL CREDIT UNION
As of September 18, 2025, ORNL offers a range of personal loan rates with no recent changes reported. The lowest APR is available on Name share certificate secured and Name share secured loans at 2.00%, ideal for members seeking low-risk borrowing options. Unsecured loans like the Name personal loan carry a competitive rate of 9.99% APR, while the Name personal line of credit is priced at 11.74% APR, suitable for flexible borrowing needs. Secured loans for vehicles such as autos and motorcycles stand at 5.89% APR, and boat or RV loans are at 8.29% APR. Members should compare fixed and variable options to match their financial goals.
AFFINITY FEDERAL CREDIT UNION
As of September 18, 2025, AFFINITY's personal loan rates remain steady with no changes in the past 7 to 30 days. The Certificate secured loan and Shared secured loan offer the lowest APRs at 2.00% and 2.75%, respectively, ideal for members seeking low-cost borrowing backed by collateral. The Student loan consolidation program maintains a competitive fixed rate of 4.99%, suited for consolidating education debt. Unsecured options like the Personal loan and Debt consolidation loan hold at 12.5% and 13.5%, reflecting stable borrowing costs for members prioritizing flexibility without collateral. Members should compare these options carefully and consider fixed-rate loans for predictable payments.
Y-12 FEDERAL CREDIT UNION
As of September 18, 2025, Y-12’s personal loan rates remain stable with no changes in APR over the past 30 days. The Share secured - installment loan offers the lowest rate at 2.0% APR, ideal for members seeking low-cost, collateral-backed borrowing. For unsecured options, the Signature loan stands at 12.49% APR, while the Ultra loan is slightly higher at 13.99% APR; both have held steady recently. The Access line of credit maintains a consistent rate of 15.24% APR, suitable for flexible borrowing needs. Members should evaluate fixed-rate loans for predictable payments and compare terms to match their financial goals. For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
GLOBAL FEDERAL CREDIT UNION
As of September 18, 2025, GLOBAL’s personal loan rates remain stable with no changes over the past 30 days. The Pledge of certificates (secured) loan holds the lowest APR at 2.0%, followed closely by the Pledge of shares (secured) loan at 2.1%, ideal for members seeking low-cost secured borrowing. The Miscellaneous item and equipment loan offers a competitive rate of 7.5%, while unsecured borrowing through the Signature (unsecured) loan stands at 14.9%. The Credit line remains steady at 13.5%, providing flexible access to funds. Members should compare these fixed-rate options carefully to match their financial needs and consider secured loans for lower APRs when possible.
For more details, visit https://www.globalcu.org/rates/personal-loan-rates/.
FIRST COMMUNITY CREDIT UNION
As of September 18, 2025, FIRST COMMUNITY personal loan rates remain stable across all products, with no changes in APR over the past 30 days. The lowest available rate is 2.00% APR on the Cd secured loan, ideal for members leveraging certificate accounts for borrowing. Members seeking affordable unsecured options can consider the Personal loan at 11.99% APR, while those aiming to reduce high-interest debt may benefit from the Debt consolidation loan at 12.74% APR. The Share secured loan offers a competitive rate of 4.24% APR, and the Shared secured: single payment product stands at 5.99% APR.
Members should review these fixed-rate options carefully and compare terms to align borrowing costs with their financial goals.
For more details, visit https://fccu.org/rates/personal-loan-rates.
APPLE FEDERAL CREDIT UNION
As of September 18, 2025, APPLE's personal loan rates remain stable with no changes in the past 30 days. Both the Educator line of credit and First responder line of credit hold steady at 7.5% APR, reflecting consistent borrowing costs for these specialized members. The Savings secured certificate offers the lowest rate at 2.0% APR, ideal for members seeking low-risk, secured borrowing, while the Savings secured loan is slightly higher at 3.0% APR. Among unsecured options, the Signature loan stands at 9.99% APR, and the Signature line of credit remains at 11.74% APR, providing flexible access but at a higher cost.
Members should review these fixed rates carefully; those prioritizing payment certainty may consider secured loans for lower rates, whereas borrowers needing flexibility might compare signature products to best match their financial needs. For more details, visit https://www.applefcu.org/loans/personalloans.
EAST TEXAS PROFESSIONAL CREDIT UNION
As of September 18, 2025, EAST TEXAS PROFESSIONAL maintains stable personal loan rates with no changes over the past 30 days. The lowest APR is offered by the Term share certificate secured loan at 2.0%, ideal for members seeking low-risk, secured borrowing. For unsecured needs, Credit builder loans at 6.0% support members building credit, while Personal loans hold steady at 8.95%, balancing affordability and flexibility. Members considering collateralized options may evaluate the Share secured loan at 6.75% or the similarly priced Instant cash loans at 6.75%. Comparing these fixed-rate options can help align borrowing costs with financial goals.
LendMesh
A personal loan isn’t just about borrowing money—it’s about creating breathing room. At LendMesh, we believe that access to affordable credit can be life-changing, especially when it’s easy to understand and compare. That’s why we partner with banks and credit unions who put your needs first. Explore flexible loan offers now at https://www.lendmesh.com/loans/personal_loans and find the right fit for your finances.
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Conclusion
As you consider your next financial step, be it consolidating high-interest debt or tackling unexpected expenses, remember that choosing the right loan program can save you hundreds or even thousands in interest. Secured loans like share-secured or certificate-secured options offer some of the lowest APRs available right now and are worth exploring if you have collateral to leverage. For those needing flexibility, personal unsecured signature loans still provide reasonable rates without the need for security but be mindful of longer terms and total cost. Keep an eye on credit union offerings regularly because stable rates today don’t mean they won’t improve tomorrow. Taking time to review current rates and terms before borrowing ensures you’re making an informed choice tailored to your needs. Stay proactive, your next great borrowing opportunity could be just around the corner!