Introduction
On September 23, 2025, credit union members have plenty of reasons to feel optimistic about their borrowing options. The market continues to offer some of the most competitive personal loan rates available, especially for those seeking secured loans with rates as low as 1.8% APR at Trumark Financial or share-secured loans starting at 2.0% APR offered by multiple credit unions including Texas Dow Employees, ORNL, and Liberty. For those looking to finance bigger purchases or consolidate debt with unsecured options, signature loans hover around a reasonable 9.9% to 12.5%, with Redstone’s unsecured signature loans maintaining steady rates near 11.19%. Notably, there have been no significant rate increases in the past month across most products, providing a stable environment for borrowers planning ahead. Whether you’re building credit with Redstone’s ultra-low 1.0% Credit Builder program or exploring flexible lines of credit like Texas Dow Employees’ Cash $tash line at 9.74%, today’s data reveals strong opportunities to secure affordable financing tailored to your needs.
Personal Loans
| Lender | Product | 2025-09-23 Current | 2025-09-08 15 Days Ago | 2025-08-24 30 Days Ago | 2025-08-09 45 Days Ago | 2025-07-25 60 Days Ago | 2025-09-16 7 Days Ago | 2025-06-25 90 Days Ago |
|---|---|---|---|---|---|---|---|---|
| REDSTONE FEDERAL CREDIT UNIONLOWEST | Credit builder | 1% | 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% | N/A |
| TEXAS DOW EMPLOYEES CREDIT UNION | Certificate of deposit secured loan | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Share secured loan | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| ADVANCIAL FEDERAL CREDIT UNION | Savings-secured | 2% | 2% | N/A | N/A | N/A | 2% | N/A |
| ORNL FEDERAL CREDIT UNION | Name share certificate secured | 2% | N/A | N/A | N/A | N/A | 2% | N/A |
| ORNL FEDERAL CREDIT UNION | Name share secured | 2% | N/A | N/A | N/A | N/A | 2% | N/A |
| LIBERTY FEDERAL CREDIT UNION | Certificate pledge | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Certificate secured | 2% | 2% | 2% | N/A | 2% | 2% | 2% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Share secured | 2% | 2% | 2% | N/A | 2% | 2% | 2% |
| AFFINITY FEDERAL CREDIT UNION | Certificate secured loan | 2% | 2% | N/A | N/A | N/A | 2% | N/A |
| Y-12 FEDERAL CREDIT UNION | Share secured - installment loan | 2% | 2% | N/A | N/A | N/A | 2% | N/A |
| GLOBAL FEDERAL CREDIT UNION | Pledge of certificates (secured) loan | 2% | N/A | 2% | N/A | N/A | 2% | N/A |
| LIBERTY FEDERAL CREDIT UNION | Share pledge | 2.05% | 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 | 2.1% | N/A |
| AFFINITY FEDERAL CREDIT UNION | Shared secured loan | 2.75% | 2.75% | N/A | N/A | N/A | 2.75% | N/A |
| REDSTONE FEDERAL CREDIT UNION | Share secured | 3% | 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% | N/A |
| ORNL FEDERAL CREDIT UNION | Name secured loans (auto, motorcycle & atv) | 5.89% | N/A | N/A | N/A | N/A | 5.89% | N/A |
| TRUMARK FINANCIAL CREDIT UNION | First credit loan | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | N/A |
| TRUMARK FINANCIAL CREDIT UNION | Term-share secured loan | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | N/A |
| GLOBAL FEDERAL CREDIT UNION | Misc. item and equipment loan | 7.5% | N/A | 7.5% | N/A | N/A | 7.5% | N/A |
| TEXAS DOW EMPLOYEES CREDIT UNION | Home advantage loan | 7.74% | 7.74% | 7.74% | 7.74% | 7.74% | 7.74% | 8.99% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Personal loan | 7.74% | 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% | 8.125% |
| ORNL FEDERAL CREDIT UNION | Name secured loans (boat & rv) | 8.29% | N/A | N/A | N/A | N/A | 8.29% | N/A |
| TRUMARK FINANCIAL CREDIT UNION | Stock loans to 75% of value | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% | N/A |
| LIBERTY FEDERAL CREDIT UNION | Computer and non-titled collateral | 8.55% | 8.55% | 8.55% | 8.55% | 8.55% | 8.55% | 8.55% |
| LIBERTY FEDERAL CREDIT UNION | Personal loan | 9.59% | 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% | 9.74% |
| ADVANCIAL FEDERAL CREDIT UNION | Signature | 9.9% | 9.9% | N/A | N/A | N/A | 9.9% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | True line of credit | 9.9% | 9.9% | N/A | N/A | N/A | 9.9% | N/A |
| ORNL FEDERAL CREDIT UNION | Name personal | 9.99% | N/A | N/A | N/A | N/A | 9.99% | N/A |
| LIBERTY FEDERAL CREDIT UNION | Home improvement | 10.39% | 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% | N/A |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 60 months | 11.19% | 11.19% | 11.29% | 11.29% | 11.29% | 11.19% | 11.39% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 72 months | 11.39% | 11.39% | 11.49% | 11.49% | 11.49% | 11.39% | 11.59% |
| LIBERTY FEDERAL CREDIT UNION | Line of credit / overdraft protection | 11.5% | 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 | 11.74% | N/A |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Line of credit | 11.95% | 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% | 12.15% |
| Y-12 FEDERAL CREDIT UNION | Signature loan | 12.49% | 12.49% | N/A | N/A | N/A | 12.49% | N/A |
| AFFINITY FEDERAL CREDIT UNION | Personal loan | 12.5% | 12.5% | N/A | N/A | N/A | 12.5% | N/A |
| REDSTONE FEDERAL CREDIT UNION | Personal line of credit/overdraft | 12.51% | 12.51% | 12.71% | 12.71% | 12.78% | 12.51% | 12.64% |
| AFFINITY FEDERAL CREDIT UNION | Debt consolidation loan | 13.5%▲ 25 bps | 13.25% | N/A | N/A | N/A | 13.5% | N/A |
| GLOBAL FEDERAL CREDIT UNION | Credit line | 13.5% | N/A | 13.5% | 13.5% | 13.5% | 13.5% | 13.5% |
| Y-12 FEDERAL CREDIT UNION | Ultra loan | 13.99% | 13.99% | N/A | N/A | N/A | 13.99% | N/A |
| AFFINITY FEDERAL CREDIT UNION | Privateline overdraft protection | 14.75% | 14.75% | N/A | N/A | N/A | 14.75% | N/A |
| GLOBAL FEDERAL CREDIT UNION | Signature (unsecured) loan | 14.9% | N/A | 14.9% | N/A | N/A | 14.9% | N/A |
| Y-12 FEDERAL CREDIT UNION | Access line of credit | 15.24% | 15.24% | N/A | N/A | N/A | 15.24% | N/A |
| REDSTONE FEDERAL CREDIT UNION | Personal stretch* | 17% | 17% | N/A | N/A | N/A | 17% | N/A |
| TRUMARK FINANCIAL CREDIT UNION | Better choice | 18% | 18% | 18% | 18% | 18% | 18% | N/A |
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 23, 2025, REDSTONE personal loan rates remain stable across most products. The Credit builder loan 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. The Home equity line of credit - classic rate is steady at 8.125%, offering a competitive option for secured credit access. Notably, the Personal line of credit/overdraft rate slightly decreased by 0.20 percentage points (20 bps) over the last 30 days to 12.51%, while unsecured signature loans for 60 and 72 months show minor declines around 0.10 percentage points (10 bps). Members should compare fixed-rate options like signature loans for predictable payments or consider share secured loans for the lowest APRs.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TRUMARK FINANCIAL CREDIT UNION
As of September 23, 2025, TRUMARK FINANCIAL’s personal loan rates remain stable with no changes over the past 30 days. The Share-secured loan holds the lowest APR at 1.8%, ideal for members seeking low-cost borrowing backed by savings. For unsecured needs, the Unsecured-installment signature loans offer a competitive rate of 10.49%. First-time borrowers may benefit from the consistently low First credit loan rate at 6.25%. Members considering flexible borrowing might explore the Stock loans to 75% of value at 8.49% or the similarly priced Term-share secured loan at 6.25%. Compare these options carefully based on your collateral and repayment preferences; fixed-rate products provide payment certainty.
TEXAS DOW EMPLOYEES CREDIT UNION
As of September 23, 2025, all personal loan APRs 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 rates at 2.0% APR, ideal for members seeking low-cost borrowing backed by savings. Unsecured options like the Personal loan and Home advantage loan hold steady at 7.74% APR, suitable for general purposes or home-related expenses. The Cash $tash line of credit remains at 9.74% APR, providing flexible access to funds. Members should compare these fixed-rate products based on their collateral and borrowing needs for better financial planning.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured,
ADVANCIAL FEDERAL CREDIT UNION
As of September 23, 2025, ADVANCIAL’s personal loan rates remain steady with no changes over the past 30 days. The Savings-secured loan offers the lowest APR at 2.0%, ideal for members seeking low-cost borrowing backed by savings. Both the Signature loan and True line of credit maintain an APR of 9.9%, providing consistent unsecured options for general borrowing or flexible credit access. Members should evaluate their needs carefully; those prioritizing lower rates may consider secured loans, while borrowers seeking flexibility might explore fixed-rate signature loans or lines of credit. Comparing these products can help align borrowing costs with financial goals. For more details, visit https://www.advancial.org/rates#:~:text=%2D-,Signature%E2%81%B4,-Rates%20as%20low.
ORNL FEDERAL CREDIT UNION
As of September 23, 2025, ORNL’s personal loan rates remain stable across all products with no changes over the past 7, 15, or 30 days. The lowest APR is offered on both Name share certificate secured and Name share secured loans at 2.00%, ideal for members seeking low-cost secured borrowing. For unsecured needs, the Name personal loan holds a competitive rate at 9.99% APR, suitable for general borrowing without collateral. Members needing flexible access can consider the Name personal line of credit at 11.74% APR. Those financing vehicles benefit from secured loans starting at 5.89% APR for auto, motorcycle & ATV, and 8.29% APR for boat & RV loans. Review your financial goals and compare these fixed-rate options to find the best fit for your borrowing needs. For more details, visit https://ornlfcu.com/personal/rates#personal-loans:~:text=below%20for%20details-,Other%20Loans,-NAME
LIBERTY FEDERAL CREDIT UNION
As of September 23, 2025, LIBERTY's personal loan rates remain stable across all products with no changes in APR over the past 30 days. The Certificate pledge loan offers the lowest rate at 2.00% APR, ideal for members seeking secured borrowing with minimal cost. The Personal loan stands at 9.59% APR, providing a competitive unsecured option for general borrowing needs. Members interested in flexible access may consider the Line of credit / overdraft protection at 11.50% APR. Consistent rates support clear budgeting; compare product terms carefully and consider fixed-rate loans if payment predictability is a priority. For more details, visit https://www.libertyfcu.org/loan-rates#personal.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of September 23, 2025, RANDOLPH-BROOKS 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 2.0%, ideal for members seeking low-cost borrowing backed by collateral. The Signature loan stands at 12.15% APR, providing a fixed unsecured option for those needing straightforward financing. The Line of credit maintains an APR of 11.95%, suitable for flexible borrowing needs. Members should compare these options based on their collateral availability and repayment preferences to select the most cost-effective solution.
For more details, visit https://www.rbfcu.org/loans/personal-loans.
AFFINITY FEDERAL CREDIT UNION
As of September 23, 2025, AFFINITY's personal loan rates remain stable with no changes in APR over the past 30 days. The Certificate secured loan offers the lowest APR at 2.0%, ideal for members seeking low-cost, secured borrowing. The Shared secured loan follows closely at 2.75%, providing another affordable secured option. Among unsecured products, the Personal loan holds steady at 12.5% APR, while the Debt consolidation loan remains slightly higher at 13.5%. The Student loan consolidation program maintains a competitive fixed rate of 4.99%, suitable for education-related debt management. Members should review these rates to align borrowing choices with their financial goals and consider fixed-rate loans for payment certainty.
Y-12 FEDERAL CREDIT UNION
As of September 23, 2025, Y-12 credit union's personal loan rates remain steady with no changes over 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. For unsecured options, the Signature loan carries a fixed rate of 12.49% APR, while the Ultra loan stands at 13.99% APR. The Access line of credit maintains an APR of 15.24%, providing flexible borrowing without collateral. Members should review these rates carefully and consider fixed-rate loans to ensure payment stability aligned with their financial goals. For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
GLOBAL FEDERAL CREDIT UNION
As of September 23, 2025, GLOBAL's personal loan rates remain stable across all products with no changes in the past 30 days. The lowest APR is 2.0% for the Pledge of Certificates (secured) loan, followed closely by the Pledge of Shares (secured) loan at 2.1%, offering members highly competitive secured borrowing options. For unsecured credit, the Signature loan holds a steady APR of 14.9%, while the Credit line maintains a consistent 13.5% APR. Members seeking low-cost secured loans should consider certificate or share-secured options; those needing flexibility may evaluate the credit line or signature loans accordingly. Comparing fixed and variable rates can help align borrowing with financial goals.
For more details, visit https://www.globalcu.org/rates/personal-loan-rates/.
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Conclusion
As you consider your financial goals, whether consolidating high-interest debt, managing an unexpected emergency, or making a major purchase, now is a prime time to explore credit union personal loan options. Focus on secured loans if you want the lowest APRs, which can significantly reduce your interest costs over time. If an unsecured loan fits your situation better, remember that rates remain steady and competitive this month, so locking in a favorable rate could save you money down the road. Always review terms carefully and consider how repayment periods impact your monthly budget and total interest paid. Don’t forget to check back regularly since rates can shift subtly but meaningfully within weeks. Your best move? Take advantage of these stable and accessible rates today by comparing offers from trusted credit unions, you might find the right loan that helps turn your financial plans into reality with confidence and clarity.