Introduction
As of September 29, 2025, today’s personal loan landscape offers some standout opportunities for members seeking low-cost borrowing options. If you’re looking for the lowest APR on secured loans, multiple credit unions including Texas Dow Employees, Randolph-Brooks, Affinity, and Apple are offering secured loans with rates as low as 2.0% APR , an excellent choice for borrowers prioritizing affordability and safety. For those interested in unsecured signature loans, Redstone and Trumark Financial present competitive options hovering around 10.49% to 11.19% APR, giving you solid choices for flexible financing without collateral. Notably, most rates have remained stable over the past month, signaling a steady borrowing environment with no sudden spikes to worry about. Whether you need funds for debt consolidation, emergency expenses, or a big purchase, these consistently low rates create a promising window to secure affordable credit. Keep an eye on share-secured and certificate-secured products if safety and lower interest are your priorities, these remain some of the best deals available today.
Personal Loans
| Lender | Product | 2025-09-29 Current | 2025-09-14 15 Days Ago | 2025-08-30 30 Days Ago | 2025-08-15 45 Days Ago | 2025-07-31 60 Days Ago | 2025-09-22 7 Days Ago | 2025-07-01 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% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Certificate secured | 2% | 2% | 2% | N/A | N/A | 2% | N/A |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Share secured | 2% | 2% | 2% | N/A | N/A | 2% | N/A |
| 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 |
| APPLE FEDERAL CREDIT UNION | Savings secured (certificates) | 2% | N/A | N/A | N/A | N/A | N/A | N/A |
| EAST TEXAS PROFESSIONAL CREDIT UNION | Term share certificate secured | 2% | 2% | N/A | N/A | N/A | 2% | N/A |
| 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% |
| APPLE FEDERAL CREDIT UNION | Savings secured (regular savings) | 3% | N/A | N/A | N/A | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Student loan consolidation program | 4.99% | 4.99% | 4.99% | N/A | N/A | 4.99% | N/A |
| EAST TEXAS PROFESSIONAL CREDIT UNION | Credit builder loans | 6% | 6% | N/A | N/A | N/A | 6% | 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 |
| EAST TEXAS PROFESSIONAL CREDIT UNION | Instant cash loans | 6.75% | 6.75% | N/A | N/A | N/A | 6.75% | N/A |
| EAST TEXAS PROFESSIONAL CREDIT UNION | Share secured | 6.75% | 6.75% | N/A | N/A | N/A | 6.75% | 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 |
| APPLE FEDERAL CREDIT UNION | Educator line of credit | 7.5% | 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% | 7.5% |
| 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 |
| EAST TEXAS PROFESSIONAL CREDIT UNION | Personal loans | 8.95% | 8.95% | N/A | N/A | N/A | 8.95% | N/A |
| TEXAS DOW EMPLOYEES CREDIT UNION | Cash $tash line of credit | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% |
| APPLE FEDERAL CREDIT UNION | Signature loan | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% |
| 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% | 11.29% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 72 months | 11.39% | 11.39% | 11.49% | 11.49% | 11.49% | 11.39% | 11.49% |
| APPLE FEDERAL CREDIT UNION | Signature line of credit | 11.74% | 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% | 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% | 12.78% |
| 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 |
| EAST TEXAS PROFESSIONAL CREDIT UNION | Express cash loans | 18% | 18% | N/A | N/A | N/A | 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 29, 2025, REDSTONE's personal loan rates remain stable across most products. The Personal unsecured signature loans for 60 and 72 months show a slight improvement, with APRs decreasing by 0.10 percentage points (10 bps) over the past month to 11.19% and 11.39%, respectively. The Personal line of credit/overdraft rate holds steady at 12.51%, down marginally from 12.71% thirty days ago. The lowest APR available is the Credit builder loan at 1.0%, ideal for members establishing credit. Secured options like the Share secured loan at 3.0% and the fixed-rate Home equity line of credit - classic at 8.125% offer competitive borrowing costs. Members should review their borrowing needs carefully and consider fixed-rate loans for predictable payments.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal,
TRUMARK FINANCIAL CREDIT UNION
As of September 29, 2025, TRUMARK FINANCIAL’s personal loan APRs remain stable across all products, with no changes over the past 30 days. The Share-secured loan offers the lowest rate at 1.8% APR, ideal for members leveraging savings as collateral. For unsecured borrowing, the Unsecured-installment signature loans maintain a competitive 10.49% APR, suitable for those seeking fixed payments without collateral. First-time borrowers may find the First credit loan attractive at 6.25% APR. Members should compare these fixed-rate options carefully to align borrowing costs with their financial goals.
TEXAS DOW EMPLOYEES CREDIT UNION
As of September 29, 2025, TEXAS DOW EMPLOYEES credit union’s personal loan rates remain steady 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%, suitable for members seeking low-cost borrowing secured by assets. Unsecured options like the Personal loan and Home advantage loan hold firm at 7.74% APR, providing consistent fixed-rate terms. The Cash $tash line of credit remains at 9.74% APR, ideal for flexible borrowing needs. Members should review these stable rates and consider their borrowing goals carefully when selecting between secured or unsecured loans.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of September 29, 2025, RANDOLPH-BROOKS personal loan rates remain stable across all products with no changes over the past 30 days. The lowest APRs are offered by the Certificate secured and Share secured loans at 2.0%, suitable for members seeking low-cost borrowing with collateral. The Signature loan and Line of credit maintain higher fixed rates at 12.15% and 11.95%, respectively, fitting different borrowing needs such as unsecured funds or flexible access to credit. Members should compare these options carefully and consider fixed-rate loans for predictable payments when planning their finances. For more details, visit https://www.rbfcu.org/loans/personal-loans.
AFFINITY FEDERAL CREDIT UNION
As of September 29, 2025, AFFINITY’s Certificate secured loan and Shared secured loan maintain the lowest APRs at 2.00% and 2.75%, respectively, unchanged over the past month. The Student loan consolidation program holds steady at 4.99%, offering a low fixed rate for education debt. Unsecured options like the Personal loan remain stable at 12.5% APR, while the Debt consolidation loan rose slightly by 0.25 percentage points (25 bps) over 30 days to 13.5%. The Privateline overdraft protection rate decreased by 0.5 percentage points (50 bps) in the last week to 14.25% APR. Members should compare these fixed and variable rates carefully based on borrowing purpose and risk tolerance.
Y-12 FEDERAL CREDIT UNION
As of September 29, 2025, Y-12's personal loan rates remain stable across all products 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. Unsecured options include the Signature loan at 12.49% APR and the Ultra loan at 13.99% APR, suitable for flexible borrowing needs without collateral. The Access line of credit holds steady at 15.24% APR, providing revolving credit access. Members should compare these fixed and variable-rate options 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 29, 2025, GLOBAL credit union’s personal loan rates remain stable across all products with no changes in APR over the past 7 to 30 days. The Pledge of certificates (secured) loan offers the lowest rate at 2.0% APR, closely followed by the Pledge of shares (secured) loan at 2.1% APR, making these options attractive for members seeking low-cost secured borrowing. For unsecured needs, the Signature loan carries a fixed 14.9% APR, while the Credit line remains steady at 13.5% APR. Members should compare these offerings based on their collateral preferences and consider fixed-rate loans to maintain predictable payments. For more details, visit https://www.globalcu.org/rates/personal-loan-rates/.
SCOTT CREDIT UNION
As of September 29, 2025, SCOTT credit union's personal loan rates remain stable across all products. The Pledge share loans offer the lowest APR at a consistent 2.0%, unchanged over the past month, making it an attractive option for members seeking secured borrowing with low cost. The Signature loans maintain a steady 12.0% APR, providing a fixed unsecured option suitable for general personal needs. Meanwhile, the Ready reserve overdraft protection holds firm at 16.0% APR, reflecting no recent rate adjustments.
Members should review their borrowing goals and compare these fixed-rate products to identify the best fit; consider secured options like pledge loans for lower rates or signature loans if unsecured credit is preferred. For more details, visit https://www.scu.org/rates/#:~:text=Current%20Personal%20Loan,a%20Personal%20Loan.
APPLE FEDERAL CREDIT UNION
As of September 29, 2025, APPLE credit union’s personal loan rates remain stable across all products with no changes over the past 30 days. The Savings secured (certificates) offer the lowest APR at 2.0%, ideal for members seeking secured borrowing with minimal cost. The Savings secured (regular savings) line provides a slightly higher rate at 3.0%, also without recent movement. For unsecured options, the Signature loan holds a competitive fixed APR of 9.99%, while the Signature line of credit is available at 11.74%. Both educator and first responder lines of credit maintain steady rates at 7.5%. Members should compare these options carefully and consider fixed-rate loans if payment predictability is a priority. For more details, visit https://www.applefcu.org/loans/personalloans.
EAST TEXAS PROFESSIONAL CREDIT UNION
As of September 29, 2025, EAST TEXAS PROFESSIONAL credit union’s personal loan rates remain stable with no changes across all products in the past 30 days. The lowest APR is offered by the Term share certificate secured loan at 2.0%, ideal for members seeking low-cost, secured borrowing options. For unsecured borrowing, Credit builder loans hold steady at 6.0% APR, supporting members aiming to build or improve credit. The Personal loans and Instant cash loans offer competitive fixed rates at 8.95% and 6.75%, respectively, suitable for flexible personal financing needs. Members should evaluate fixed-rate products to ensure predictable payments aligned with their financial goals.
LendMesh
Need a little extra help this month—or this year? Personal loans through LendMesh are designed to meet you where you are. Whether you're planning a big life moment or catching up after a tough one, we help you compare loan options that work for you, not against you. Visit https://www.lendmesh.com/loans/personal-loans and take the pressure out of the process.
Conclusion
Looking ahead, it’s wise to match your loan choice with your financial goals while locking in the best rate possible. If debt consolidation is your priority, consider share-secured or certificate-secured loans at rates near 2.0% APR, these offer tremendous savings over unsecured options. For emergency funding or unexpected costs, unsecured signature loans around 10-12% APR provide fast access without putting assets at risk. Remember to review terms carefully and check if fixed or variable APRs better fit your budget stability needs. Since rates have been steady recently, now is a smart time to act if you’ve been waiting for the right moment. Be sure to revisit loan offerings regularly, rates can shift subtly week-to-week, and explore pre-approval options that might save you time and boost your bargaining power. Staying informed empowers you to borrow confidently and make choices that support your long-term financial well-being.