Introduction
As of October 10, 2025, credit unions continue to offer some of the most competitive personal loan rates tailored for everyday needs, from debt consolidation to emergency funds and big purchases. Today’s standout opportunity comes from TRUMARK FINANCIAL’s share-secured loan at an incredibly low 1.8% APR, perfect for members looking to leverage their savings with minimal interest. Not far behind, several credit unions including ADVANCIAL and ORNL are offering secured loans at a steady 2.0% APR, ideal for cautious borrowers seeking affordable financing options. For those eyeing signature or unsecured loans, ADVANCIAL maintains a consistent 9.9% APR, while REDSTONE and TRUMARK offer competitive unsecured rates around 10.49% to 11.09%. Notably, home equity and vehicle-related loans remain stable with modest rates in the 5-7% range, presenting great choices for major purchases or refinancing. With many rates holding steady over the past month, October is shaping up as a prime time to secure favorable terms and make your financial goals a reality.
Personal Loans
| Lender | Product | 2025-10-10 Current | 2025-09-25 15 Days Ago | 2025-09-10 30 Days Ago | 2025-08-26 45 Days Ago | 2025-08-11 60 Days Ago | 2025-10-03 7 Days Ago | 2025-07-12 90 Days Ago |
|---|---|---|---|---|---|---|---|---|
| ADVANCIAL FEDERAL CREDIT UNIONLOWEST | Student | 1% | N/A | N/A | N/A | N/A | 1% | 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 | 2% | N/A | N/A | 2% | 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% | 2% | 2% |
| ORNL FEDERAL CREDIT UNION | Share secured | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| LIBERTY FEDERAL CREDIT UNION | Certificate pledge | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Certificate secured | 2% | 2% | 2% | 2% | N/A | N/A | 2% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Share secured | 2% | 2% | 2% | 2% | N/A | N/A | 2% |
| AFFINITY FEDERAL CREDIT UNION | Certificate secured loan | 2% | 2% | 2% | 2% | 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 | 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% | 2.1% | N/A | N/A | N/A | 2.1% | N/A |
| AFFINITY FEDERAL CREDIT UNION | Shared secured loan | 2.75% | 2.75% | 2.75% | 2.75% | 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% | 4.99% | N/A | 4.99% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Auto | 5.1% | N/A | 5.37% | N/A | N/A | 5.1% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Stock-secured | 5.44% | N/A | 5.81% | N/A | N/A | 5.44% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Advancial assistance | 6.13% | N/A | 6.51% | N/A | N/A | 6.13% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Boat | 6.13% | N/A | 6.4% | N/A | N/A | 6.13% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Home equity | 6.13% | N/A | 6.51% | N/A | N/A | 6.13% | 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 | 6.78% | N/A | N/A | 6.5% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Motorcycle, jet ski, atv & pop-up camper | 7.03% | N/A | 7.3% | N/A | N/A | 7.03% | N/A |
| TEXAS DOW EMPLOYEES CREDIT UNION | Personal loan | 7.14%▼ 60 bps | 7.74% | 7.74% | 7.74% | 7.74% | 7.74% | 7.74% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Home advantage loan | 7.24%▼ 50 bps | 7.74% | 7.74% | 7.74% | 7.74% | 7.74% | 7.74% |
| GLOBAL FEDERAL CREDIT UNION | Misc. item and equipment loan | 7.5% | 7.5% | N/A | N/A | N/A | 7.5% | N/A |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Holiday loan | 7.7% | N/A | N/A | N/A | N/A | 7.7% | N/A |
| REDSTONE FEDERAL CREDIT UNION | Home equity line of credit - classic | 7.875%▼ 25 bps | 8.125% | 8.125% | 8.125% | 8.125% | 7.875% | 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% |
| 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% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% |
| 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 | 10.89%▼ 30 bps | 11.19% | 11.19% | 11.29% | 11.29% | 10.89% | 11.29% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 72 months | 11.09%▼ 30 bps | 11.39% | 11.39% | 11.49% | 11.49% | 11.09% | 11.49% |
| LIBERTY FEDERAL CREDIT UNION | Line of credit / overdraft protection | 11.5% | 11.5% | 11.5% | 11.5% | 11.5% | 2.05% | 11.5% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Line of credit | 11.7%▼ 25 bps | 11.95% | 11.95% | 11.95% | 11.95% | 11.7% | 11.95% |
| ORNL FEDERAL CREDIT UNION | Personal line of credit | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Signature loan | 12.15% | 12.15% | 12.15% | 12.15% | 12.15% | 12.15% | 12.15% |
| REDSTONE FEDERAL CREDIT UNION | Personal line of credit/overdraft | 12.29%▼ 22 bps | 12.51% | 12.51% | 12.71% | 12.71% | 12.29% | 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% | 12.5% | N/A | 12.5% | N/A |
| AFFINITY FEDERAL CREDIT UNION | Debt consolidation loan | 13.5% | 13.5% | 13.5% | 13.25% | N/A | 13.5% | N/A |
| GLOBAL FEDERAL CREDIT UNION | Credit line | 13.5% | 13.5% | N/A | 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% | 14.25% | 14.75% | 14.75% | N/A | 14.25% | N/A |
| GLOBAL FEDERAL CREDIT UNION | Signature (unsecured) loan | 14.9% | 14.9% | N/A | N/A | 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 | 14.99% | 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 10, 2025, ADVANCIAL personal loan rates remain mostly stable with modest declines over the past 30 days. Notably, Advancial assistance, Home equity, and Boat loans each saw APR decreases of approximately 0.38 percentage points (38 bps), improving borrowing costs. The Motor home & travel trailer rate declined by 0.28 points (28 bps), while the Motorcycle, jet ski, ATV & pop-up camper dropped by 0.27 points (27 bps). The lowest available APR is the Student loan at 1.0%, followed by the Savings-secured loan at 2.0%, making these options especially attractive for members seeking low-cost or secured financing. Members should review fixed-rate options like the Signature and True line of credit loans at 9.9% APR for payment predictability.
Compare current rates against your financial goals to identify the best fit for your borrowing 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 10, 2025, REDSTONE's personal loan rates show stability with slight improvements for some products. The Home equity line of credit - classic APR decreased by 0.25 percentage points (25 bps) over the past month, now at 7.875%, reflecting a modest reduction in borrowing costs for secured home equity credit. The Personal unsecured signature loans for 60 and 72 months also saw APR declines of 0.30 percentage points (30 bps) since 30 days ago, currently at 10.89% and 11.09%, respectively. The Credit builder and Share secured loans maintain the lowest rates at 1.0% and 3.0%, ideal for members seeking affordable credit establishment or secured borrowing options. Members should evaluate their borrowing needs considering these fixed-rate options and recent trends to optimize loan selection.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal,
TRUMARK FINANCIAL CREDIT UNION
As of October 10, 2025, TRUMARK FINANCIAL’s personal loan rates remain steady across all products with no changes over the past 30 days. The Share-secured loan holds the lowest APR at 1.8%, ideal for members with savings to leverage low-cost borrowing. For unsecured options, the Unsecured-installment signature loans offer a consistent 10.49% APR, while first-time borrowers may find the First credit loan attractive at 6.25% APR. Members seeking to use investments can consider the Stock loans to 75% of value at 8.49% APR. Comparing fixed-rate and secured options can help match borrowing needs with payment stability.
TEXAS DOW EMPLOYEES CREDIT UNION
As of October 10, 2025, TEXAS DOW EMPLOYEES credit union shows steady rates across most personal loan products. The Personal loan and Home advantage loan both decreased by 0.60 percentage points (60 bps) over the last month, now at 7.14% APR and 7.24% APR, respectively. The Cash $tash line of credit remains stable at 9.74% APR. Secured options like the Certificate of deposit secured loan and Share secured loan maintain the lowest rate at a consistent 2.0% APR, ideal for members seeking lower-risk borrowing or building credit. Compare products to match your financial goals; 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 10, 2025, ORNL’s personal loan rates remain stable with no changes over the past 30 days. The Personal Loan holds steady at 9.99% APR, offering a consistent unsecured borrowing option. The Personal Line of Credit remains at 11.74% APR, suitable for members needing flexible access to funds. For members seeking the lowest borrowing cost, the Share Certificate Secured and Share Secured Loans both offer the lowest APR at 2.00%, ideal for those able to leverage savings as collateral. Consider comparing fixed-rate and secured options for predictable payments and lower rates.
LIBERTY FEDERAL CREDIT UNION
As of October 10, 2025, LIBERTY’s personal loan rates remain stable across all products with no changes over the past 30 days. The lowest APR is offered by the Share pledge loan at 2.05%, closely followed by the Certificate pledge at 2.0%, both ideal for members seeking low-cost secured borrowing options. The Personal loan holds steady at 9.59%, providing a consistent unsecured rate suitable for general borrowing needs. Notably, the Line of credit / overdraft protection shows a recent uptick to 11.5% from 2.05% seven days ago, warranting review for members relying on flexible credit access.
Members should assess their financial goals and consider fixed-rate products for payment certainty or secured loans to minimize interest costs. For more details, visit https://www.libertyfcu.org/loan-rates#personal.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of October 10, 2025, RANDOLPH-BROOKS personal loan rates remain stable across most products. Both the Certificate secured and Share secured loans maintain the lowest APR at 2.0%, consistent over the past month, offering highly competitive options for members seeking low-cost, secured borrowing. The Holiday loan holds steady at 7.7%, while the Line of credit shows a slight decrease from 11.95% to 11.7% over the last two weeks, improving affordability for flexible borrowing needs. The Signature loan remains unchanged at 12.15%, providing a fixed unsecured rate option. Members should compare these products based on their borrowing purpose and consider fixed-rate loans for payment predictability. For more details, visit https://www.rbfcu.org/loans/personal-loans.
AFFINITY FEDERAL CREDIT UNION
As of October 10, 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-risk borrowing options. The Shared secured loan follows closely at 2.75%, also offering competitive secured financing. Unsecured borrowing via the Personal loan is fixed at 12.5% APR, while the Debt consolidation loan remains steady at 13.5% APR, suitable for members aiming to simplify multiple debts. The Privateline overdraft protection shows a slight decrease from 14.75% to 14.25% APR in the last month, reflecting modest cost relief for short-term overdraft needs. The Student loan consolidation program continues at a consistent 4.99% APR, supporting education debt management.
Members should compare these fixed-rate options to match borrowing costs with their financial goals and consider secured loans for lower interest expenses when collateral is available.
Y-12 FEDERAL CREDIT UNION
As of October 10, 2025, Y-12's personal loan APRs remain stable across all products. The Access line of credit holds steady at 14.99%, down slightly by 0.25 percentage points (25 bps) compared to 30 days ago, offering a modest improvement for members seeking flexible borrowing. The Share secured - installment loan continues to provide the lowest rate at 2.0%, ideal for members with savings collateral aiming for low-cost financing. Both the Signature loan and Ultra loan maintain fixed rates at 12.49% and 13.99%, respectively, providing predictable repayment options. Members should evaluate these fixed and variable rates carefully to align borrowing with their financial goals.
For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
GLOBAL FEDERAL CREDIT UNION
As of October 10, 2025, GLOBAL’s personal loan rates remain stable across all products with no changes over 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%, ideal for members seeking low-cost, secured borrowing options. For unsecured needs, the Signature loan offers a consistent 14.9% APR, while the Credit line stays steady at 13.5% APR, providing flexible borrowing without collateral. Members should compare these options carefully to align terms with their financial goals and consider fixed-rate loans for payment predictability. For more details, visit https://www.globalcu.org/rates/personal-loan-rates/.
LendMesh
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Conclusion
When considering a personal loan this season, it pays to focus on your specific needs and credit profile to maximize savings. If you have collateral like shares or certificates, secured loans with rates as low as 1.8% can dramatically reduce borrowing costs, a smart choice for consolidating debt or funding large expenses responsibly. Meanwhile, signature and unsecured loans remain viable for those without collateral but often come with higher APRs that warrant careful budgeting. Keep an eye on home equity options if you own property; these generally offer competitive rates but require longer commitments. Remember, rates have been stable recently, so now is an excellent moment to lock in terms before potential market shifts. Review your credit union’s current offerings regularly and consider speaking with a financial advisor to tailor solutions that fit your unique situation. Your next smart financial move might just be a call away!