Introduction
As of October 17, 2025, credit union members have access to some of the most competitive personal loan rates in recent weeks, offering excellent opportunities for debt consolidation, emergency funding, or big purchases. If you’re seeking ultra-low APRs, secured loans shine with rates as low as 2.0% on certificate-secured and share-secured loans from institutions like Advancial, Texas Dow Employees, Lafayette, and Charter Oak. For those looking at signature loans, Lafayette offers a standout rate at 8.99%, while Advancial holds steady at 9.9%. Student loans remain impressively affordable with Advancial’s 1.0% APR, making education financing accessible. Notably, unsecured installment signature loans from Trumark Financial remain consistent at 10.49% APR, reflecting stability in personal borrowing costs. Whether you’re eyeing a vehicle loan or a flexible line of credit, today’s rates provide varied options tailored to different financial needs, all backed by the trust and security of credit unions nationwide.
Personal Loans
| Lender | Product | 2025-10-17 Current | 2025-10-02 15 Days Ago | 2025-09-17 30 Days Ago | 2025-09-02 45 Days Ago | 2025-08-18 60 Days Ago | 2025-10-10 7 Days Ago | 2025-07-19 90 Days Ago |
|---|---|---|---|---|---|---|---|---|
| ADVANCIAL FEDERAL CREDIT UNIONLOWEST | Student | 1% | 1% | N/A | N/A | N/A | 1% | N/A |
| TRUMARK FINANCIAL CREDIT UNION | Share-secured loan | 1.8% | 1.8% | 1.8% | 1.8% | 1.8% | 1.8% | 1.8% |
| ADVANCIAL FEDERAL CREDIT UNION | Savings-secured | 2% | 2% | N/A | 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% |
| LAFAYETTE FEDERAL CREDIT UNION | Certificate secured | 2% | N/A | N/A | N/A | N/A | N/A | N/A |
| LAFAYETTE FEDERAL CREDIT UNION | Share secured | 2% | N/A | N/A | N/A | N/A | N/A | N/A |
| CHARTER OAK FEDERAL CREDIT UNION | Secured personal loan | 2% | N/A | N/A | N/A | N/A | N/A | N/A |
| ORNL FEDERAL CREDIT UNION | Share certificate secured | 2% | 2% | N/A | 2% | 2% | 2% | 2% |
| ORNL FEDERAL CREDIT UNION | Share secured | 2% | 2% | N/A | 2% | 2% | 2% | 2% |
| CRANE CREDIT UNION | Loan secured by savings | 2% | N/A | N/A | N/A | N/A | N/A | N/A |
| LIBERTY FEDERAL CREDIT UNION | Certificate pledge | 2% | 2% | 2% | 2% | 2% | 2% | 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% | 2% | 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% |
| AFFINITY FEDERAL CREDIT UNION | Shared secured loan | 2.75% | 2.75% | 2.75% | 2.75% | N/A | 2.75% | N/A |
| LAFAYETTE FEDERAL CREDIT UNION | Credit builder | 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% | 4.99% | N/A | 4.99% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Auto | 5.1% | N/A | 5.37% | 5.37% | N/A | 5.1% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Stock-secured | 5.44% | N/A | 5.81% | 5.81% | N/A | 5.44% | N/A |
| ORNL FEDERAL CREDIT UNION | Secured loans (auto, motorcycle & atv) | 5.89% | 5.89% | N/A | 5.89% | 5.89% | N/A | 5.89% |
| ADVANCIAL FEDERAL CREDIT UNION | Advancial assistance | 6.13% | N/A | 6.51% | 6.51% | N/A | 6.13% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Boat | 6.13% | N/A | 6.4% | 6.4% | N/A | 6.13% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Home equity | 6.13% | N/A | 6.51% | 6.51% | 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% | 6.25% |
| TRUMARK FINANCIAL CREDIT UNION | Term-share secured loan | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% |
| ADVANCIAL FEDERAL CREDIT UNION | Motor home & travel trailer | 6.5% | N/A | N/A | 6.78% | N/A | 6.5% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Motorcycle, jet ski, atv & pop-up camper | 7.03% | N/A | N/A | 7.3% | 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% | 7.14% | 7.74% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Home advantage loan | 7.24%▼ 50 bps | 7.74% | 7.74% | 7.74% | 7.74% | 7.24% | 7.74% |
| CHARTER OAK FEDERAL CREDIT UNION | Unsecured personal loans | 7.75% | N/A | N/A | N/A | N/A | N/A | N/A |
| ORNL FEDERAL CREDIT UNION | Secured loans (boat & rv) | 8.29% | 8.29% | N/A | 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% | 8.49% |
| LIBERTY FEDERAL CREDIT UNION | Computer and non-titled collateral | 8.55% | 8.55% | 8.55% | 8.55% | 8.55% | 8.55% | 8.55% |
| LAFAYETTE FEDERAL CREDIT UNION | Signature | 8.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| LIBERTY FEDERAL CREDIT UNION | Personal loan | 9.59% | 9.59% | 9.59% | 9.59% | N/A | 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% | 9.9% | N/A | 9.9% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | True line of credit | 9.9% | 9.9% | 9.9% | 9.9% | N/A | 9.9% | N/A |
| LAFAYETTE FEDERAL CREDIT UNION | Line of credit | 9.99% | N/A | N/A | N/A | N/A | N/A | N/A |
| ORNL FEDERAL CREDIT UNION | Personal | 9.99% | 9.99% | N/A | 9.99% | 9.99% | 9.99% | 9.99% |
| CRANE CREDIT UNION | Custom fit loans | 10.25% | N/A | N/A | N/A | N/A | 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% | 10.49% |
| CHARTER OAK FEDERAL CREDIT UNION | Readi-cash too | 11.25% | N/A | N/A | N/A | N/A | N/A | N/A |
| LIBERTY FEDERAL CREDIT UNION | Line of credit / overdraft protection | 11.5%▲ 945 bps | 2.05% | 11.5% | 11.5% | 11.5% | 11.5% | 11.5% |
| ORNL FEDERAL CREDIT UNION | Personal line of credit | 11.74% | 11.74% | N/A | 11.74% | 11.74% | 11.74% | 11.74% |
| CRANE CREDIT UNION | Line of credit | 12% | N/A | N/A | N/A | N/A | N/A | N/A |
| Y-12 FEDERAL CREDIT UNION | Signature loan | 12.49% | 12.49% | 12.49% | 12.49% | 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 |
| Y-12 FEDERAL CREDIT UNION | Ultra loan | 13.99% | 13.99% | 13.99% | 13.99% | 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 |
| Y-12 FEDERAL CREDIT UNION | Access line of credit | 14.99% | 14.99% | 15.24% | 15.24% | N/A | 14.99% | N/A |
| TRUMARK FINANCIAL CREDIT UNION | Better choice | 18% | 18% | 18% | 18% | 18% | 18% | 18% |
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 17, 2025, ADVANCIAL’s personal loan APRs remain mostly stable over the past week. Notably, the Advancial assistance, Home equity, and Boat loans each decreased by approximately 0.38 percentage points (38 bps) compared to 30 days ago, now at 6.13% APR. The Auto loan rate also fell from 5.37% to 5.1% APR in the same period. The lowest rate available is the Student loan at 1.0% APR, ideal for members seeking affordable education financing. For secured options, the Savings-secured loan holds steady at 2.0% APR, offering a low-cost borrowing choice. Members should compare fixed and variable rates across products to align with their financial goals.
For more details, visit https://www.advancial.org/rates#:~:text=%2D-,Signature%E281%B4,-Rates%20as%20low.
TRUMARK FINANCIAL CREDIT UNION
As of October 17, 2025, TRUMARK FINANCIAL personal loan rates remain stable with no changes over the past 30 days. The Share-secured loan offers the lowest APR at 1.8%, ideal for members seeking low-cost borrowing secured by savings. For first-time borrowers, the First credit loan and Term-share secured loan both provide competitive rates at 6.25%. Unsecured borrowing options like the Unsecured-installment signature loans carry a steady APR of 10.49%, while stock-backed loans remain at 8.49%. Members should compare these fixed-rate options carefully to match loan terms with their financial goals.
TEXAS DOW EMPLOYEES CREDIT UNION
As of October 17, 2025, TEXAS DOW EMPLOYEES credit union’s personal loan rates remain stable overall. The Personal loan and Home advantage loan rates held steady this week at 7.14% and 7.24% APR, respectively, each showing a modest decrease of 0.6 percentage points (60 bps) compared to 30 days ago. The lowest unsecured rate is the Personal loan at 7.14% APR, suitable for members seeking fixed-rate borrowing options. For secured loans, both the Certificate of deposit secured loan and the Share secured loan offer the most competitive rate at 2.0% APR, unchanged over the past month, ideal for members with collateral looking for low-cost credit. The Cash $tash line of credit remains steady at 9.74% APR. Members should compare these products based on their collateral availability and payment certainty preferences. For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of October 17, 2025, LAFAYETTE credit union offers competitive personal loan rates with the lowest APR at 2.0% on both Certificate secured and Share secured loans, ideal for members seeking low-risk borrowing options. The Credit builder loan stands at 3.0% APR, serving members aiming to establish or improve credit history. For unsecured borrowing, the Signature loan rate is 8.99% APR, while the Line of credit comes in higher at 9.99% APR, providing flexible access to funds. Since these are newly published rates with no prior data for comparison, members should review their borrowing needs carefully and consider fixed-rate secured loans for predictable payments.
For more details, visit https://www.lfcu.org/rates/personal-credit-cards-loans-rates/#rates-table-personal-loans.
CHARTER OAK FEDERAL CREDIT UNION
As of October 17, 2025, CHARTER OAK offers a range of personal loan options with current APRs reflecting stable new offerings. The Secured personal loan features the lowest rate at 2.0% APR, ideal for members seeking affordable borrowing backed by collateral. For unsecured borrowing, the Unsecured personal loans carry an APR of 7.75%, providing a moderate option without requiring security. The newly listed Readi-cash too product is available at 11.25% APR, catering to members needing quick access to funds despite the higher cost. Members should compare these fixed-rate options carefully to align with their financial goals and payment preferences. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
ORNL FEDERAL CREDIT UNION
As of October 17, 2025, ORNL's personal loan APRs remain steady across all products compared to the last 30 days. The Personal Loan and Personal Line of Credit rates hold at 9.99% and 11.74%, respectively, offering consistent borrowing costs for unsecured options. Members seeking the lowest borrowing cost can consider Share Certificate Secured or Share Secured Loans, both at the lowest APR of 2.00%. Secured loans for vehicles like autos and boats maintain competitive rates at 5.89% and 8.29%, respectively, benefiting members with collateral. Review these options carefully to match your credit needs and risk tolerance; fixed-rate secured loans provide payment stability while unsecured loans offer flexibility.
CRANE CREDIT UNION
As of October 17, 2025, CRANE offers three personal loan options with current APRs reflecting stable borrowing costs. The Loan secured by savings stands out with the lowest rate at 2.0% APR, ideal for members prioritizing low-cost, secured borrowing. The Custom fit loans and Line of credit have rates of 10.25% and 12.0% APR, respectively, providing flexible unsecured credit solutions. Since no prior data is available for comparison, members should review these fixed rates carefully and consider their borrowing needs; those seeking payment certainty might lean toward the secured option. Compare products to align terms with your financial goals. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
LIBERTY FEDERAL CREDIT UNION
As of October 17, 2025, LIBERTY's personal loan APRs 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 secured borrowing with minimal rates. The Personal loan holds steady at 9.59%, providing a competitive unsecured option. Notably, the Line of credit / overdraft protection rate briefly dipped to 2.05% fifteen days ago but reverted to 11.5%, suggesting variable terms to consider carefully. Members should compare these fixed and variable rates against their financial needs and risk tolerance when choosing a product.
For more details, visit https://www.libertyfcu.org/loan-rates#personal.
AFFINITY FEDERAL CREDIT UNION
As of October 17, 2025, AFFINITY personal loan rates remain stable across all products. The Certificate secured loan holds the lowest APR at 2.0%, unchanged over the past 30 days, ideal for members seeking low-cost secured borrowing. The Shared secured loan is slightly higher at 2.75%, also steady. Among unsecured options, the Personal loan and Debt consolidation loan maintain consistent APRs of 12.5% and 13.5%, respectively, suitable for members consolidating debt or needing flexible funds. Note the slight improvement in Privateline overdraft protection, down from 14.75% to 14.25% over the month, offering modest savings on overdraft costs. Consider your borrowing goals and compare fixed-rate options for payment stability.
Y-12 FEDERAL CREDIT UNION
As of October 17, 2025, Y-12’s Access line of credit APR remains steady at 14.99%, down from 15.24% thirty days ago, reflecting a decrease of 0.25 percentage points (25 bps). The Share secured - installment loan holds the lowest rate at 2.0% APR, unchanged over the past month, ideal for members seeking low-cost borrowing backed by savings. Both the Signature loan and Ultra loan maintain consistent rates at 12.49% and 13.99% APR, respectively, offering fixed-rate options for stable payments. Members should compare these products based on their credit needs and consider fixed-rate loans for predictable budgeting. For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
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Conclusion
When planning your next financial move, be it consolidating high-interest debt, addressing unexpected expenses, or investing in major life events, keeping an eye on today’s lowest APRs can save you hundreds over time. Consider secured loans if you have collateral; their low rates around 2.0% offer substantial savings compared to unsecured options. For those needing flexibility, lines of credit and share-secured loans combine affordability with convenience. Remember to review loan terms carefully and choose what aligns best with your budget and goals. As rates remain stable across many programs this month, now is a smart time to act, but don’t hesitate to revisit your options regularly since market conditions can shift. Stay informed, compare offers from trusted credit unions, and empower yourself with the best financing tools available to support your financial well-being moving forward.