Introduction
As of September 26, 2025, credit union members have access to some truly competitive personal loan rates that can help you take control of your finances, whether you're consolidating debt, handling an unexpected expense, or planning a major purchase. The standout opportunity today is the ultra-low share-secured loans starting as low as 1.8% APR at TruMark Financial and several other credit unions offering similar rates around 2%. For those seeking unsecured options, Redstone’s personal unsecured signature loans at just over 11% APR for terms up to 72 months remain steady and affordable. Notably, many credit unions have maintained consistent rates this past month, providing stability for borrowers evaluating their best move. If you’re looking for flexible credit lines, Redstone’s personal line of credit holds firm near 12.5%, while Texas Dow Employees offers a solid personal loan rate at 7.74%. Today’s data reveals that credit union members have multiple avenues to secure low-cost financing tailored to their unique needs, making now a great time to explore your options.
Personal Loans
| Lender | Product | 2025-09-26 Current | 2025-09-11 15 Days Ago | 2025-08-27 30 Days Ago | 2025-08-12 45 Days Ago | 2025-07-28 60 Days Ago | 2025-09-19 7 Days Ago | 2025-06-28 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% |
| ORNL FEDERAL CREDIT UNION | Share certificate secured | 2% | 2% | 2% | 2% | 2% | N/A | N/A |
| ORNL FEDERAL CREDIT UNION | Share secured | 2% | 2% | 2% | 2% | 2% | N/A | 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% | 2% | 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 | N/A | N/A | N/A | 2% | N/A |
| SCOTT CREDIT UNION | Pledge share loans | 2% | 2% | 2% | 2% | 2% | 2% | N/A |
| LIBERTY FEDERAL CREDIT UNION | Line of credit | 2.05% | N/A | N/A | N/A | N/A | N/A | 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 | N/A | N/A | N/A | 2.1% | N/A |
| AFFINITY FEDERAL CREDIT UNION | Shared secured loan | 2.75% | 2.75% | 2.75% | 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% | 4.99% | N/A | N/A | 4.99% | 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 | N/A | 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% |
| 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% | 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% | 9.74% |
| ORNL FEDERAL CREDIT UNION | Personal | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | N/A | 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 | Personal line of credit | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% | N/A | N/A |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Line of credit | 11.95% | 11.95% | 11.95% | 11.95% | 11.95% | 11.95% | 11.95% |
| SCOTT CREDIT UNION | Signature loans | 12% | 12% | 12% | 12% | 12% | 12% | N/A |
| 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% | 12.5% | 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% | 13.5% | 13.25% | 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% | N/A |
| 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 | 14.25%▼ 50 bps | 14.75% | 14.75% | N/A | N/A | 14.75% | N/A |
| GLOBAL FEDERAL CREDIT UNION | Signature (unsecured) loan | 14.9% | N/A | N/A | 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 |
| SCOTT CREDIT UNION | Ready reserve overdraft protection | 16% | 16% | 16% | 16% | 16% | 16% | 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 26, 2025, REDSTONE personal loan rates remain steady with minimal changes. The Personal unsecured signature loans for 60 and 72 months show slight declines of 0.10 percentage points (10 bps) over the past month, now at 11.19% APR and 11.39% APR, respectively. The Personal line of credit/overdraft rate holds at 12.51% APR, unchanged from last week but down slightly from 12.71% a month ago. The lowest available rate is the Credit builder loan at 1.0% APR, ideal for members establishing credit. Those seeking secured borrowing can consider the stable Share secured loan at 3.0% APR or the consistent Home equity line of credit - classic at 8.125% APR. Members should compare terms based on fixed versus variable rates and their borrowing purpose.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal,
TRUMARK FINANCIAL CREDIT UNION
As of September 26, 2025, TRUMARK FINANCIAL’s personal loan APRs remain stable with no changes over the past 30 days. The Share-secured loan offers the lowest rate at 1.8% APR, ideal for members seeking low-cost borrowing secured by savings. For first-time borrowers, the First credit loan holds steady at a competitive 6.25% APR. Members looking to consolidate debt or access unsecured funds can consider the Unsecured-installment signature loans at 10.49% APR, while stock-backed loans remain at 8.49% APR. Compare these fixed-rate options carefully based on your financial needs and security preferences. 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 26, 2025, TEXAS DOW EMPLOYEES credit union maintains stable personal loan rates with no changes in the past 30 days. The Certificate of deposit secured loan and Share secured loan offer the lowest APR at a consistent 2.0%, ideal for members seeking low-cost, collateral-backed borrowing. Unsecured options like 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, providing flexible access to funds. Members should compare these products based on their security preferences and consider fixed-rate loans for payment predictability. For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
ORNL FEDERAL CREDIT UNION
As of September 26, 2025, ORNL’s personal loan rates remain stable with no changes over the past 30 days. The Personal Loan APR holds steady at 9.99%, providing a consistent unsecured borrowing option. The Personal Line of Credit remains at 11.74%, suitable for members seeking flexible access to funds. For secured borrowing, both the Share Certificate Secured and Share Secured loans offer the lowest rate at 2.0% APR, ideal for members prioritizing lower interest costs through collateral.
Members should compare these fixed-rate and variable options carefully to align with their financial goals and consider secured loans for cost savings when feasible.
LIBERTY FEDERAL CREDIT UNION
As of September 26, 2025, LIBERTY's personal loan rates remain stable with no changes over the past 30 days. The lowest APR is offered by the Share pledge and Line of credit at 2.05%, ideal for members seeking low-cost secured borrowing or flexible access to funds. The Certificate pledge rate holds steady at 2.0%, also a competitive secured option. Unsecured products like the Personal loan and Home improvement loan maintain rates at 9.59% and 10.39%, respectively, suited for those needing fixed-rate financing without collateral. Members should compare these options based on their collateral availability and payment preferences.
For more details, visit https://www.libertyfcu.org/loan-rates#personal.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of September 26, 2025, RANDOLPH-BROOKS personal loan rates remain stable with no changes over the past 30 days. Both Certificate secured and Share secured loans offer the lowest APR at 2.0%, ideal for members seeking low-cost, collateral-backed borrowing. The Signature loan carries a fixed APR of 12.15%, while the Line of credit stands at 11.95%, providing flexible access but at higher unsecured rates. Members should review their borrowing needs carefully and consider secured options for lower rates or fixed-rate loans for predictable payments.
For more details, visit https://www.rbfcu.org/loans/personal-loans.
AFFINITY FEDERAL CREDIT UNION
As of September 26, 2025, AFFINITY's personal loan rates remain mostly stable. The Certificate secured loan holds the lowest APR at 2.0%, unchanged for 30 days, followed by the Shared secured loan at 2.75%. Among unsecured options, the Personal loan stays steady at 12.5% APR, while the Debt consolidation loan rose slightly by 0.25 percentage points (25 bps) over the past month to 13.5% APR. The Privateline overdraft protection saw a modest decrease from 14.75% to 14.25% APR in the last week, improving cost-effectiveness for overdraft coverage. Members prioritizing low fixed rates may consider secured loans; those consolidating debt should note recent rate increases. Comparing products carefully can help align borrowing costs with financial goals.
Y-12 FEDERAL CREDIT UNION
As of September 26, 2025, Y-12’s personal loan rates remain stable across all products, 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 borrowing backed by savings. For unsecured options, the Signature loan at 12.49% APR provides a fixed-rate solution suitable for general borrowing needs, while the Ultra loan at 13.99% APR presents a slightly higher but steady alternative. The Access line of credit maintains a consistent 15.24% APR, offering flexible borrowing without rate fluctuations. Members should compare these fixed and variable rates carefully to align with their financial goals and risk tolerance. For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
GLOBAL FEDERAL CREDIT UNION
As of September 26, 2025, GLOBAL's personal loan rates remain steady across all products with no changes over the past 7 or 30 days. Members seeking the lowest borrowing cost can consider the Pledge of certificates loan at 2.0% APR, the most affordable secured option, closely followed by the Pledge of shares loan at 2.1% APR. For unsecured needs, the Signature loan offers a fixed 14.9% APR, consistent this month. The Credit line and Miscellaneous item and equipment loans hold stable rates at 13.5% and 7.5% APR, respectively. Members should assess their borrowing goals and consider secured loans for lower rates or fixed-rate options for predictable payments. For more details, visit https://www.globalcu.org/rates/personal-loan-rates/.
SCOTT CREDIT UNION
As of September 26, 2025, SCOTT Credit Union’s personal loan rates remain stable across all products. The Pledge Share Loans offer the lowest APR at 2.0%, unchanged over the past 30 days, making it an attractive secured option for members with savings to pledge. Signature Loans maintain a consistent rate of 12.0% APR, suitable for members seeking fixed-rate unsecured borrowing. The Ready Reserve Overdraft Protection holds steady at 16.0% APR, reflecting a higher cost for short-term overdraft coverage. Members should review their borrowing needs carefully and consider secured options for lower rates or fixed-rate loans for predictable payments.
For more details, visit https://www.scu.org/rates/#:~:text=Current%20Personal%20Loan,a%20Personal%20Loan.
LendMesh
Everyone has a story—maybe yours includes a few financial bumps along the way. That’s okay. At LendMesh, we believe you deserve access to personal loans that are fair, fast, and built around your goals. With lenders who understand real life, you’ll find more than a rate—you’ll find support. Explore your options now at https://www.lendmesh.com/loans/personal-loans .
Customers Also Interested In
Conclusion
When considering a personal loan for debt consolidation or emergency funds, prioritize loans with the lowest APRs and flexible repayment terms to maximize your savings and ease monthly budgets. Secured loans typically offer the best rates, like share-secured products hovering around 2%, which are excellent if you have collateral such as certificates or shares. However, if you prefer unsecured loans, keep an eye on consistent offerings like Redstone’s signature loans near 11%, which provide predictability without collateral requirements. Remember to factor in loan terms and any fees when comparing offers. For upcoming life events requiring larger sums, don’t overlook home equity lines of credit available at competitive fixed rates above 8%. Stay proactive by reviewing current rates regularly, because even slight changes can impact your overall cost significantly. Keep this newsletter handy as your trusted guide and check back next week for fresh updates, you never know when the perfect opportunity will arise!