Introduction
As of September 19, 2025, credit union members have some standout personal loan opportunities worth exploring. If you’re looking for the lowest APRs, share-secured loans are leading the pack with rates as low as 1.8% at Trumark Financial and several others offering rates right around 2.0%. These loans provide an excellent path for members seeking affordable borrowing backed by savings or certificates. For unsecured options, Trumark Financial’s unsecured-installment signature loans hold a competitive rate of 10.49%, while Redstone offers slightly higher unsecured signature loans at just over 11%. Notably, there have been no significant rate changes in the past month across most products, signaling stable borrowing conditions. Whether you’re consolidating debt, managing unexpected expenses, or planning a home improvement, today’s data highlights safe, budget-friendly options in both secured and unsecured loan categories to help members take control of their finances confidently.
Personal Loans
| Lender | Product | 2025-09-19 Current | 2025-09-04 15 Days Ago | 2025-08-20 30 Days Ago | 2025-08-05 45 Days Ago | 2025-07-21 60 Days Ago | 2025-09-12 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% | 1.8% | 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% |
| 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% | 2% | N/A | N/A | 2% | 2% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Share secured | 2% | 2% | N/A | N/A | 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% | 2% | N/A | N/A | N/A | 2% |
| GLOBAL FEDERAL CREDIT UNION | Pledge of certificates (secured) loan | 2% | N/A | 2% | N/A | N/A | N/A |
| SCOTT CREDIT UNION | Pledge share loans | 2% | 2% | 2% | 2% | 2% | 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 | 2.1% | N/A | 2.1% | N/A | N/A | N/A |
| 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% |
| AFFINITY FEDERAL CREDIT UNION | Student loan consolidation program | 4.99% | 4.99% | 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% | 6.25% | 6.25% |
| TRUMARK FINANCIAL CREDIT UNION | Term-share secured loan | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% |
| GLOBAL FEDERAL CREDIT UNION | Misc. item and equipment loan | 7.5% | N/A | 7.5% | 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% |
| 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% | 8.49% | 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% |
| 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% | 10.49% | 10.49% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 60 months | 11.19% | 11.19% | 11.29% | 11.29% | 11.29% | 11.19% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 72 months | 11.39% | 11.39% | 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% |
| 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% |
| SCOTT CREDIT UNION | Signature loans | 12% | 12% | 12% | 12% | 12% | 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% | 12.49% | 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% | 12.51% | 12.71% | 12.71% | 12.78% | 12.51% |
| AFFINITY FEDERAL CREDIT UNION | Debt consolidation loan | 13.5%▲ 25 bps | 13.25% | N/A | N/A | N/A | 13.5% |
| GLOBAL FEDERAL CREDIT UNION | Credit line | 13.5% | 13.5% | 13.5% | 13.5% | 13.5% | N/A |
| Y-12 FEDERAL CREDIT UNION | Ultra loan | 13.99% | 13.99% | 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% |
| GLOBAL FEDERAL CREDIT UNION | Signature (unsecured) loan | 14.9% | N/A | 14.9% | N/A | N/A | N/A |
| Y-12 FEDERAL CREDIT UNION | Access line of credit | 15.24% | 15.24% | N/A | N/A | N/A | 15.24% |
| SCOTT CREDIT UNION | Ready reserve overdraft protection | 16% | 16% | N/A | 16% | 16% | 16% |
| REDSTONE FEDERAL CREDIT UNION | Personal stretch* | 17% | 17% | N/A | N/A | N/A | 17% |
| TRUMARK FINANCIAL CREDIT UNION | Better choice | 18% | 18% | 18% | 18% | 18% | 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 19, 2025, REDSTONE personal loan rates remain mostly stable. The Personal unsecured signature loans show a slight decrease over the past month, with the 60-month term APR down from 11.29% to 11.19%, and the 72-month term falling from 11.49% to 11.39%. The Personal line of credit/overdraft rate holds steady at 12.51%, slightly improved from 12.71% thirty days ago. The lowest APR continues to be on the Credit builder loan at 1.0% and the Share secured loan at 3.0%, ideal for members seeking low-cost borrowing or credit improvement options. Consider comparing fixed-rate and variable options aligned with your financial goals for clearer payment planning.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal,
TRUMARK FINANCIAL CREDIT UNION
As of September 19, 2025, TRUMARK FINANCIAL 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 secured by their shares. For first-time borrowers, the First credit loan and Term-share secured loan both hold steady at 6.25% APR, providing accessible options with fixed rates. Unsecured needs are met by the Unsecured-installment signature loans at a consistent 10.49% APR, while stock-backed loans maintain an 8.49% APR. Members should compare these options carefully based on security and rate to align borrowing with financial goals.
TEXAS DOW EMPLOYEES CREDIT UNION
As of September 19, 2025, all TEXAS DOW EMPLOYEES personal loan rates remain stable with no changes over the past 30 days. The lowest APRs are offered on Certificate of deposit secured loans and Share secured loans, both at a consistent 2.0%, ideal for members seeking low-cost, secured borrowing options. Unsecured products such as 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 unchanged at 9.74% APR, offering flexible access to funds. Compare these fixed-rate options carefully to match your financial goals and risk tolerance.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
ORNL FEDERAL CREDIT UNION
As of September 19, 2025, ORNL’s personal loan rates show stable offerings with no available historical comparisons. The Name personal loan carries an APR of 9.99%, suitable for members seeking unsecured borrowing options. For flexible borrowing needs, the Name personal line of credit is offered at 11.74% APR. Secured loans provide more competitive rates; the Name secured loans (auto, motorcycle & ATV) are available at 5.89% APR, while Name secured loans (boat & RV) stand at 8.29% APR. The lowest APR is on the Name share certificate secured and Name share secured loans, both at a fixed 2.0% APR, ideal for members with collateral looking for the most affordable borrowing costs.
Members should compare these products based on their collateral availability and payment flexibility to align borrowing choices with financial goals. Consider fixed-rate secured options if you prioritize lower interest costs and predictable payments.
LIBERTY FEDERAL CREDIT UNION
As of September 19, 2025, LIBERTY's personal loan rates remain stable with no changes over the past 30 days. The Certificate pledge loan offers the lowest APR at 2.00%, making it an attractive secured option for members with certificates to pledge. Similarly, the Share pledge rate is competitive at 2.05%. For unsecured borrowing, the Personal loan stands at 9.59% APR, consistent for a month, suitable for general purposes. Other secured loans like Computer and non-titled collateral (8.55%) and Home improvement (10.39%) maintain steady rates. Members should compare these fixed-rate options carefully based on collateral availability and borrowing needs.
For more details, visit https://www.libertyfcu.org/loan-rates#personal.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of September 19, 2025, RANDOLPH-BROOKS personal loan rates remain stable across all products with no changes in APR over the past 30 days. The Certificate secured and Share secured loans offer the lowest rates at 2.0% APR, ideal for members seeking low-cost borrowing backed by collateral. The Signature loan and Line of credit maintain higher fixed rates at 12.15% and 11.95% APR, respectively, suitable for unsecured borrowing needs or flexible credit access. Members should compare these options based on their financial goals and consider secured loans for lower rates or fixed-rate products for payment predictability. For more details, visit https://www.rbfcu.org/loans/personal-loans.
AFFINITY FEDERAL CREDIT UNION
As of September 19, 2025, AFFINITY personal loan rates remain stable with no changes over the past 30 days. The Certificate secured loan holds the lowest APR at 2.0%, ideal for members seeking low-cost borrowing backed by certificates. The Shared secured loan follows closely at 2.75%, providing another affordable secured option. Among unsecured products, the Personal loan and Debt consolidation loan maintain steady rates at 12.5% and 13.5% respectively, offering clear choices for members managing debt or financing personal expenses. The Student loan consolidation program remains competitively priced at 4.99%. Members should review these options carefully and consider fixed-rate loans for predictable payments.
Y-12 FEDERAL CREDIT UNION
As of September 19, 2025, Y-12’s personal loan rates remain stable with no changes in the past 30 days. The Share secured - installment loan offers the lowest APR at 2.0%, ideal for members seeking low-cost borrowing backed by savings. Among unsecured options, the Signature loan maintains a consistent APR of 12.49%, while the Ultra loan holds steady at 13.99%. The Access line of credit rate remains unchanged at 15.24%, providing flexible access to funds without fixed terms. Members should assess their borrowing goals and consider secured loans for lower rates or fixed-rate products for predictable payments. For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
GLOBAL FEDERAL CREDIT UNION
As of September 19, 2025, GLOBAL's personal loan rates remain stable across all listed products. The Signature (unsecured) loan holds at 14.9% APR, consistent over the past month. Secured options continue to offer the lowest borrowing costs: the Pledge of certificates loan at 2.0% APR and the Pledge of shares loan at 2.1% APR, both unchanged. The Miscellaneous item and equipment loan maintains a competitive 7.5% APR, while the Credit line rate stays steady at 13.5% APR.
Members seeking the lowest rates should consider secured loans, whereas those needing flexible access might evaluate the credit line option. Comparing terms carefully can help align borrowing with financial goals; fixed-rate choices provide predictable payments.
For more details, visit https://www.globalcu.org/rates/personal-loan-rates/.
SCOTT CREDIT UNION
As of September 19, 2025, SCOTT's personal loan rates remain stable across all listed products. The Pledge share loans offer the lowest APR at 2.0%, unchanged over the past 30 days, making it an attractive option for members seeking secured borrowing with minimal cost. The Signature loans hold steady at 12.0% APR, suitable for members needing fixed-rate unsecured loans. Meanwhile, the Ready reserve overdraft protection stays at 16.0% APR, consistent over the last two weeks, providing a flexible backup for short-term cash flow needs. Members should review their borrowing goals and consider comparing these options to align with payment certainty and affordability.
For more details, visit https://www.scu.org/rates/#:~:text=Current%20Personal%20Loan,a%20Personal%20Loan.
LendMesh
Tired of juggling too many payments or chasing vague loan offers? LendMesh simplifies your search for the right personal loan—bringing transparency, comparison, and expert insight into one place. From improving cash flow to planning a fresh start, you’ll find tools and lenders ready to help. Visit https://www.lendmesh.com/loans/personal-loans and see what clarity looks like.
Conclusion
When considering your next financial move, be it debt consolidation, emergency funding, or financing a major life event, remember that choosing the right loan type can save you money and stress. Secured loans like share-secured or certificate-secured options often carry the lowest APRs and can be ideal if you have assets to pledge. For those preferring unsecured loans, carefully compare signature loan rates and terms to find a balance between cost and flexibility. Keep an eye on rate stability and shop around regularly, as even small changes can impact your monthly payments significantly. Above all, borrow only what you need and ensure repayment fits comfortably within your budget. Check back next week for fresh updates, it’s your best way to stay informed and seize timely borrowing opportunities tailored to your unique financial goals.