Introduction
As of October 3, 2025, credit union members have some exceptional borrowing opportunities to explore. The standout rates today are truly worth noting, student loans at Advancial offer an incredibly low 1.0% APR, perfect for those looking to invest in education without breaking the bank. For secured loans, share-secured and certificate-secured loans consistently come in around 2.0% APR across multiple credit unions, including Advancial, Texas Dow Employees, and Affinity, providing a smart, low-cost borrowing option. Signature loans remain steady with competitive offers like Advancial’s flat 9.9% APR and Apple Credit Union’s 9.99%, giving flexible options for personal financing needs. Notably, Redstone’s Credit Builder loan holds firm at an ultra-low 1.0%, ideal for members aiming to build or rebuild credit affordably. While some unsecured personal loans hover around the 10-14% range, those seeking home equity or auto loans can find attractive mid-6% rates at Advancial and ORNL. Whether you’re planning a big purchase, consolidating debt, or managing unexpected expenses, today’s rates highlight solid opportunities to save on interest and tailor your borrowing to fit your goals.
Personal Loans
| Lender | Product | 2025-10-03 Current | 2025-09-18 15 Days Ago | 2025-09-03 30 Days Ago | 2025-08-19 45 Days Ago | 2025-08-04 60 Days Ago | 2025-09-26 7 Days Ago | 2025-07-05 90 Days Ago |
|---|---|---|---|---|---|---|---|---|
| ADVANCIAL FEDERAL CREDIT UNIONLOWEST | Student | 1% | N/A | N/A | N/A | N/A | N/A | N/A |
| 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 |
| ADVANCIAL FEDERAL CREDIT UNION | Savings-secured | 2% | N/A | N/A | N/A | N/A | N/A | 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% | N/A | 2% | 2% | 2% | 2% | 2% |
| ORNL FEDERAL CREDIT UNION | Share secured | 2% | N/A | 2% | 2% | 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% | 2% | N/A | N/A | 2% | N/A |
| GLOBAL FEDERAL CREDIT UNION | Pledge of certificates (secured) loan | 2% | 2% | N/A | 2% | 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 | 2% | N/A |
| GLOBAL FEDERAL CREDIT UNION | Pledge of shares (secured) loan | 2.1% | 2.1% | N/A | 2.1% | 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 | 3% | N/A |
| AFFINITY FEDERAL CREDIT UNION | Student loan consolidation program | 4.99% | 4.99% | 4.99% | N/A | N/A | 4.99% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Auto | 5.1%▼ 27 bps | 5.37% | N/A | N/A | N/A | N/A | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Stock-secured | 5.44%▼ 37 bps | 5.81% | N/A | N/A | N/A | N/A | N/A |
| ORNL FEDERAL CREDIT UNION | Secured loans (auto, motorcycle & atv) | 5.89% | N/A | 5.89% | 5.89% | 5.89% | N/A | 5.99% |
| ADVANCIAL FEDERAL CREDIT UNION | Advancial assistance | 6.13%▼ 38 bps | 6.51% | N/A | N/A | N/A | N/A | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Boat | 6.13%▼ 27 bps | 6.4% | N/A | N/A | N/A | N/A | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Home equity | 6.13%▼ 38 bps | 6.51% | 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% | N/A |
| TRUMARK FINANCIAL CREDIT UNION | Term-share secured loan | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Motor home & travel trailer | 6.5% | N/A | N/A | N/A | N/A | N/A | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Motorcycle, jet ski, atv & pop-up camper | 7.03% | N/A | N/A | N/A | N/A | N/A | N/A |
| APPLE FEDERAL CREDIT UNION | Educator line of credit | 7.25%▼ 25 bps | 7.5% | 7.5% | 7.5% | 7.5% | 7.5% | 7.5% |
| APPLE FEDERAL CREDIT UNION | First responder line of credit | 7.25%▼ 25 bps | 7.5% | 7.5% | 7.5% | 7.5% | 7.5% | 7.5% |
| GLOBAL FEDERAL CREDIT UNION | Misc. item and equipment loan | 7.5% | 7.5% | N/A | 7.5% | 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 | 7.875%▼ 25 bps | 8.125% | 8.125% | 8.125% | 8.125% | 8.125% | 8.125% |
| ORNL FEDERAL CREDIT UNION | Secured loans (boat & rv) | 8.29% | N/A | 8.29% | 8.29% | 8.29% | N/A | 8.29% |
| TRUMARK FINANCIAL CREDIT UNION | Stock loans to 75% of value | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% | 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% |
| ADVANCIAL FEDERAL CREDIT UNION | Signature | 9.9% | 9.9% | 9.9% | N/A | N/A | 9.9% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | True line of credit | 9.9% | 9.9% | 9.9% | N/A | N/A | 9.9% | N/A |
| ORNL FEDERAL CREDIT UNION | Personal | 9.99% | N/A | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% |
| 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 | 10.89%▼ 30 bps | 11.19% | 11.19% | 11.29% | 11.29% | 11.19% | 11.29% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 72 months | 11.09%▼ 30 bps | 11.39% | 11.39% | 11.49% | 11.49% | 11.39% | 11.49% |
| APPLE FEDERAL CREDIT UNION | Signature line of credit | 11.49%▼ 25 bps | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% |
| ORNL FEDERAL CREDIT UNION | Personal line of credit | 11.74% | N/A | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% |
| SCOTT CREDIT UNION | Signature loans | 12% | 12% | 12% | 12% | 12% | 12% | N/A |
| REDSTONE FEDERAL CREDIT UNION | Personal line of credit/overdraft | 12.29%▼ 22 bps | 12.51% | 12.51% | 12.71% | 12.71% | 12.51% | 12.78% |
| Y-12 FEDERAL CREDIT UNION | Signature loan | 12.49% | 12.49% | 12.49% | 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 |
| 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% | 13.5% | 13.5% | 13.5% | 13.5% | 13.5% | 13.5% |
| Y-12 FEDERAL CREDIT UNION | Ultra loan | 13.99% | 13.99% | 13.99% | 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 | 14.25% | N/A |
| GLOBAL FEDERAL CREDIT UNION | Signature (unsecured) loan | 14.9% | 14.9% | N/A | 14.9% | N/A | 14.9% | N/A |
| Y-12 FEDERAL CREDIT UNION | Access line of credit | 14.99%▼ 25 bps | 15.24% | 15.24% | N/A | N/A | 15.24% | N/A |
| SCOTT CREDIT UNION | Ready reserve overdraft protection | 16% | 16% | 16% | N/A | 16% | 16% | N/A |
| REDSTONE FEDERAL CREDIT UNION | Personal stretch* | 17% | 17% | 17% | 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.
ADVANCIAL FEDERAL CREDIT UNION
As of October 3, 2025, ADVANCIAL’s personal loan rates show stability in signature and line of credit products at 9.9% APR, unchanged over the past month. Secured loans such as stock-secured have decreased from 5.81% to 5.44% APR, reflecting a 0.37 percentage point improvement since 15 days ago. Similarly, advancial assistance, boat, and home equity loans have eased slightly by approximately 0.38 percentage points compared to 15 days prior. The most competitive borrowing option remains the student loan at 1.0% APR, followed by the savings-secured loan at 2.0% APR, ideal for members seeking low-cost, secured financing.
Members should compare fixed-rate and secured options carefully for payment predictability and cost efficiency based on their credit needs.
For more details, visit https://www.advancial.org/rates#:~:text=%2D-,Signature%E2%81%B4,-Rates%20as%20low.
REDSTONE FEDERAL CREDIT UNION
As of October 3, 2025, REDSTONE’s personal loan rates remain largely stable. The Credit Builder Loan holds steady at 1.0% APR, the lowest rate available, ideal for members establishing credit. The Home Equity Line of Credit - Classic decreased from 8.125% to 7.875% APR over the past month, reflecting a modest drop in borrowing costs for secured home equity financing. Unsecured options like the Personal Unsecured Signature Loans show slight declines: the 60-month term dropped from 11.19% to 10.89% APR, and the 72-month term from 11.39% to 11.09% APR; these may benefit members seeking fixed-rate, longer-term loans. The Personal Line of Credit/Overdraft eased slightly to 12.29% APR from 12.51%. Share secured loans remain unchanged at 3.0% APR, representing a low-cost borrowing option secured by savings.
Members should compare products based on loan purpose and term length while considering fixed-rate options for payment predictability.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal,
TRUMARK FINANCIAL CREDIT UNION
As of October 3, 2025, TRUMARK FINANCIAL’s personal loan rates remain stable across all products with no changes in APR over the last 30 days. The Share-secured loan continues to offer the lowest rate at 1.8% APR, ideal for members seeking low-cost borrowing backed by savings. For unsecured options, Unsecured-installment signature loans hold steady at 10.49% APR, while first-time borrowers can access the First credit loan at a competitive 6.25% APR. Members considering asset-backed borrowing may find value in the Stock loans to 75% of value at 8.49% APR. Review your borrowing goals and compare fixed and secured rates for tailored financial planning.
TEXAS DOW EMPLOYEES CREDIT UNION
As of October 3, 2025, TEXAS DOW EMPLOYEES credit union’s personal loan rates 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 borrowing secured by savings. Both the Home advantage loan and standard Personal loan maintain a consistent APR of 7.74%, suitable for members needing fixed-rate unsecured options. The Cash $tash line of credit continues at 9.74%, providing flexible access to funds without rate fluctuations.
Members should compare these offerings based on their security preferences and consider fixed-rate loans for predictable payments. For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
ORNL FEDERAL CREDIT UNION
As of October 3, 2025, ORNL’s personal loan rates remain stable with no changes in APR across all products compared to the past 7 and 30 days. Personal loans hold steady at 9.99% APR, while the personal line of credit maintains an APR of 11.74%. For secured borrowing, auto, motorcycle & ATV loans continue at a competitive 5.89% APR, and boat & RV loans stay at 8.29% APR. The lowest available rates are found in the share certificate secured and share secured loans, both at an attractive 2.0% APR, ideal for members seeking low-cost, collateralized options. Members should review these fixed-rate options carefully to align borrowing costs with their financial goals.
AFFINITY FEDERAL CREDIT UNION
As of October 3, 2025, AFFINITY credit union's personal loan rates remain largely stable. The Certificate secured loan and Shared secured loan offer the lowest APRs at 2.0% and 2.75% respectively, unchanged over the past month, making them ideal for members seeking low-cost secured borrowing. The Student loan consolidation program holds steady at 4.99% APR, providing a competitive option for education debt management. Among unsecured loans, the Personal loan rate is steady at 12.5% APR, while the Debt consolidation loan increased slightly by 0.25 percentage points to 13.5% APR over the last 30 days. The Privateline overdraft protection rate decreased marginally to 14.25% APR, reflecting improved terms for short-term credit access.
Members should compare these fixed and variable-rate options to match their financial goals and consider secured loans for lower interest costs or fixed-rate products for payment certainty.
Y-12 FEDERAL CREDIT UNION
As of October 3, 2025, Y-12's personal loan rates remain stable with no changes across products over the past month. The Share secured - installment loan maintains the lowest APR at 2.00%, ideal for members seeking low-cost borrowing secured by their shares. Unsecured options include the Signature loan at a consistent 12.49% APR and the Ultra loan at 13.99% APR, both fixed with no recent fluctuations. The Access line of credit shows a slight improvement, with APR decreasing from 15.24% to 14.99%, offering flexible borrowing for ongoing needs. Members should compare these fixed and variable options based on their repayment preferences and financial goals. For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
GLOBAL FEDERAL CREDIT UNION
As of October 3, 2025, GLOBAL’s personal loan rates remain steady across all listed products, with no changes in APR over the past 30 days. The lowest APR is 2.0% on the Pledge of certificates (secured) loan, closely followed by the Pledge of shares (secured) loan at 2.1%, offering highly competitive options for members seeking low-cost secured borrowing. Unsecured options like the Signature loan hold at 14.9% APR, while the Credit line and Miscellaneous item and equipment loans maintain rates of 13.5% and 7.5%, respectively. Members should carefully compare these fixed-rate products based on their borrowing needs and consider secured loans for lower interest costs.
For more details, visit https://www.globalcu.org/rates/personal-loan-rates/.
SCOTT CREDIT UNION
As of October 3, 2025, SCOTT's personal loan rates remain stable across all products. The lowest APR is 2.0% on Pledge Share Loans, consistent over the past month, offering an affordable secured borrowing option for members with savings collateral. Signature Loans hold steady at 12.0% APR, suitable for unsecured borrowing needs with predictable fixed rates. Overdraft protection via the Ready Reserve program remains at 16.0% APR, unchanged and generally best reserved for short-term liquidity needs due to higher costs. Members should compare these options based on collateral availability and repayment plans; consider fixed-rate loans like Signature Loans for payment certainty.
For more details, visit https://www.scu.org/rates/#:~:text=Current%20Personal%20Loan,a%20Personal%20Loan.
APPLE FEDERAL CREDIT UNION
As of October 3, 2025, APPLE’s personal loan rates show modest improvements for members. The Educator line of credit and First responder line of credit both decreased by 0.25 percentage points (25 bps) over the past month to 7.25% APR, maintaining favorable terms for eligible borrowers. The Savings secured loans offer the lowest rates overall, with certificates at 2.00% APR and regular savings at 3.00% APR, providing strong options for members seeking secured borrowing. Unsecured options remain stable; the Signature loan holds steady at 9.99% APR, while the Signature line of credit slightly improved to 11.49% APR, down 0.25 points from 30 days ago.
Members should compare these products based on their credit profile and borrowing purpose; consider fixed-rate savings secured loans if minimizing interest costs is a priority.
For more details, visit https://www.applefcu.org/loans/personalloans.
LendMesh
Juggling multiple credit card payments? A personal loan could be the reset button you need. At LendMesh, we make it simple to compare low-rate debt consolidation options from top banks and credit unions—all in one place. Imagine replacing high interest with one easy monthly payment and a clear path forward. Discover smarter lending with fewer hoops by visiting https://www.lendmesh.com/loans/personal-loans . Let’s simplify your financial life, together.
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Conclusion
When considering your next loan, it pays to focus on choosing the right product with the lowest APR that fits your financial situation, whether that means opting for a share-secured loan at around 2%, locking in a student loan at just 1%, or selecting a signature loan with manageable terms near 10%. If debt consolidation is on your radar, watch for competitive personal loan rates like those from Affinity and Redstone to reduce your overall interest burden. Emergencies call for quick access and affordable credit lines; secured options often provide lower costs without sacrificing flexibility. Remember to check whether fixed or variable rates suit your plans best and keep an eye on any rate changes weekly, you could catch small but meaningful savings by timing your application right. Don’t hesitate to review all available programs across credit unions regularly, your perfect rate could be just one conversation away. Stay informed and proactive about your borrowing choices to turn today’s opportunities into tomorrow’s financial wins.