Introduction
As of October 24, 2025, credit union members have some excellent personal loan opportunities to consider. If you’re looking for the lowest rates, student loans at Advancial stand out with an incredibly low 1.0% APR, while share-secured loans across multiple credit unions, including Trumark Financial and ORNL, offer competitive rates as low as 1.8% to 2.0% APR. For those seeking unsecured options, Lafayette’s signature loan at 8.99% APR and Advancial’s signature loan holding steady at 9.9% APR remain solid choices. Notably, most loan products have maintained stable rates over the past month, giving borrowers confidence in today’s terms. Whether you need funds for debt consolidation, emergency expenses, or a big life event like home improvement or vehicle purchase, there are competitive programs such as Affinity’s debt consolidation loan at 13.5% APR and Advancial’s auto loans at a steady 5.1% APR. This snapshot highlights promising paths to financing with great flexibility and favorable rates.
Personal Loans
| Lender | Product | 2025-10-24 Current | 2025-10-09 15 Days Ago | 2025-09-24 30 Days Ago | 2025-09-09 45 Days Ago | 2025-08-25 60 Days Ago | 2025-10-17 7 Days Ago | 2025-07-26 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% | 2% | 2% | 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 | 2% | N/A |
| LAFAYETTE FEDERAL CREDIT UNION | Share secured | 2% | N/A | N/A | N/A | N/A | 2% | N/A |
| CHARTER OAK FEDERAL CREDIT UNION | Secured personal loan | 2% | N/A | N/A | N/A | N/A | 2% | N/A |
| 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% |
| CRANE CREDIT UNION | Loan secured by savings | 2% | N/A | N/A | N/A | N/A | 2% | N/A |
| LIBERTY FEDERAL CREDIT UNION | Certificate pledge | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Certificate secured | 2% | N/A | N/A | N/A | N/A | N/A | N/A |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Share secured | 2% | N/A | N/A | N/A | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Certificate secured loan | 2% | 2% | 2% | 2% | 2% | 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% | 2.75% | 2.75% | N/A |
| LAFAYETTE FEDERAL CREDIT UNION | Credit builder | 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% | 4.99% | 4.99% | 4.99% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Auto | 5.1% | 5.1% | 5.37% | 5.37% | N/A | 5.1% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Stock-secured | 5.44% | 5.44% | 5.81% | 5.81% | N/A | 5.44% | N/A |
| ORNL FEDERAL CREDIT UNION | Secured loans (auto, motorcycle & atv) | 5.89% | N/A | 5.89% | N/A | 5.89% | 5.89% | 5.89% |
| ADVANCIAL FEDERAL CREDIT UNION | Advancial assistance | 6.13% | 6.13% | 6.51% | 6.51% | N/A | 6.13% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Boat | 6.13% | 6.13% | 6.4% | 6.4% | N/A | 6.13% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Home equity | 6.13% | 6.13% | 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% | 6.5% | 6.78% | 6.78% | N/A | 6.5% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Motorcycle, jet ski, atv & pop-up camper | 7.03% | 7.03% | 7.3% | 7.3% | N/A | 7.03% | N/A |
| TEXAS DOW EMPLOYEES CREDIT UNION | Personal loan | 7.14% | 7.14% | 7.74% | 7.74% | 7.74% | 7.14% | 7.74% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Home advantage loan | 7.24% | 7.24% | 7.74% | 7.74% | 7.74% | 7.24% | 7.74% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Holiday loan | 7.7% | N/A | N/A | N/A | N/A | 7.7% | N/A |
| CHARTER OAK FEDERAL CREDIT UNION | Unsecured personal loans | 7.75% | N/A | N/A | N/A | N/A | 7.75% | N/A |
| ORNL FEDERAL CREDIT UNION | Secured loans (boat & rv) | 8.29% | N/A | 8.29% | N/A | 8.29% | 8.29% | 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 | 8.99% | N/A |
| 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% | 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 | 9.99% | N/A |
| ORNL FEDERAL CREDIT UNION | Personal | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% |
| CRANE CREDIT UNION | Custom fit loans | 10.25% | N/A | N/A | N/A | N/A | 10.25% | 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 | 11.25% | N/A |
| LIBERTY FEDERAL CREDIT UNION | Line of credit / overdraft protection | 11.5% | 11.5% | 2.05% | 11.5% | 11.5% | 11.5% | 11.5% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Line of credit | 11.7% | N/A | N/A | N/A | N/A | 11.7% | N/A |
| ORNL FEDERAL CREDIT UNION | Personal line of credit | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% |
| CRANE CREDIT UNION | Line of credit | 12% | N/A | N/A | N/A | N/A | 12% | N/A |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Signature loan | 12.15% | N/A | N/A | N/A | N/A | 12.15% | N/A |
| AFFINITY FEDERAL CREDIT UNION | Personal loan | 12.5% | 12.5% | 12.5% | 12.5% | 12.5% | 12.5% | N/A |
| AFFINITY FEDERAL CREDIT UNION | Debt consolidation loan | 13.5% | 13.5% | 13.5% | 13.5% | 13.25% | 13.5% | N/A |
| AFFINITY FEDERAL CREDIT UNION | Privateline overdraft protection | 14.25% | 14.25% | 14.25% | 14.75% | 14.75% | 14.25% | 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 24, 2025, ADVANCIAL’s personal loan rates remain mostly steady compared to the past month. Notably, the Advancial assistance and Home equity loans saw a decrease of 0.38 percentage points (38 bps), easing from 6.51% to 6.13% APR, improving borrowing costs for members seeking those options. The Auto loan rate also dropped by 0.27 points to 5.1% APR. The lowest rate continues with the Student loan at 1.0% APR, ideal for education financing, while the most competitive secured option is the Savings-secured loan at 2.0% APR. Members should compare these fixed-rate products carefully and consider their borrowing purpose and repayment plans when selecting a loan type.
For more details, visit https://www.advancial.org/rates#:~:text=%2D-,Signature%E2%81%B4,-Rates%20as%20low.
TRUMARK FINANCIAL CREDIT UNION
As of October 24, 2025, TRUMARK FINANCIAL personal loan rates remain stable across all products with no changes in APR 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 unsecured options, Unsecured-installment signature loans hold a competitive fixed rate of 10.49% APR, while first-time borrowers may benefit from the First credit loan at 6.25% APR. Members considering investment-backed loans can access the Stock loans to 75% of value at 8.49% APR. Compare these fixed-rate options carefully to align with your borrowing goals and risk tolerance.
TEXAS DOW EMPLOYEES CREDIT UNION
As of October 24, 2025, personal loan APRs at TEXAS DOW EMPLOYEES remain largely stable. The Home Advantage Loan and Personal Loan both hold steady at 7.24% and 7.14%, respectively, with a modest decline of 0.50 percentage points (50 bps) from 30 days ago, improving affordability for members seeking unsecured financing. The lowest rates continue to be on secured options: the Certificate of Deposit Secured Loan and the Share Secured Loan, each at a consistent 2.0% APR over the past month, ideal for members leveraging collateral for lower borrowing costs. The Cash $tash Line of Credit remains unchanged at 9.74% APR, suitable for flexible credit needs.
Members should evaluate fixed-rate options like secured loans for cost efficiency or consider unsecured loans if avoiding collateral is a priority. Comparing product features against your financial goals can help identify the best fit.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of October 24, 2025, LAFAYETTE credit union’s personal loan rates remain stable with no changes in the past 30 days. The lowest APRs are on Certificate secured, Share secured loans at 2.0%, offering attractive options for members seeking low-cost, collateral-backed borrowing. The Credit builder loan also holds steady at 3.0%, ideal for members building or improving credit. Unsecured options include the Signature loan at 8.99% and a Line of credit at 9.99%, providing flexible borrowing without collateral but at higher rates. Members should compare these fixed-rate and variable options to align with their financial goals.
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 24, 2025, CHARTER OAK personal loan rates remain stable with no changes in the past month. The Secured personal loan offers the lowest APR at 2.0%, ideal for members seeking collateral-backed borrowing with predictable costs. For unsecured options, Unsecured personal loans maintain a competitive rate of 7.75%, suitable for those needing flexible funding without collateral. The Readi-cash too product holds steady at 11.25% APR, providing another alternative for quick access to funds. Members should assess their credit needs and consider fixed-rate products for payment certainty when planning borrowing strategies. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
ORNL FEDERAL CREDIT UNION
As of October 24, 2025, ORNL's personal loan rates remain stable across all products with no changes over the past 30 days. The Personal Loan maintains an APR of 9.99%, while the Personal Line of Credit is steady at 11.74%. Members seeking secured borrowing options will find the lowest rates with Share Certificate Secured and Share Secured Loans, both at a consistent 2.0% APR, which is the lowest available rate. For vehicle financing, Secured Loans (auto, motorcycle & ATV) offer a competitive 5.89% APR, and Boat & RV secured loans hold at 8.29% APR. Consider your borrowing needs carefully; fixed-rate loans provide payment certainty, whereas lines of credit offer flexibility.
CRANE CREDIT UNION
As of October 24, 2025, CRANE’s personal loan rates remain stable with no changes in the past 7 days. The Custom fit loans and Line of credit programs hold steady at 10.25% APR and 12.0% APR, respectively. Members seeking the lowest borrowing cost will find the Loan secured by savings most attractive, featuring the lowest rate at 2.0% APR. This option suits those able to use savings as collateral, while unsecured borrowers may consider fixed-rate Custom fit loans for predictable payments. Members should compare these products carefully to align rates with their financial needs.
For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
LIBERTY FEDERAL CREDIT UNION
As of October 24, 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 loan at 2.05%, followed closely by the Certificate pledge loan at 2.0%, both ideal for members seeking low-cost, secured borrowing options. Unsecured loans such as the Personal loan at 9.59% and Home improvement loan at 10.39% provide fixed-rate choices for moderate borrowing needs. Note that the Line of credit / overdraft protection remains steady at 11.5%, significantly higher than other products, suitable for flexible access despite elevated costs. Members should compare these options carefully and consider fixed-rate loans for predictable payments.
For more details, visit https://www.libertyfcu.org/loan-rates#personal.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of October 24, 2025, RANDOLPH BROOKS credit union maintains stable personal loan rates across all available products. The Certificate secured and Share secured loans offer the lowest APRs at 2.0%, providing cost-effective options for members seeking secured borrowing. The Holiday loan and Line of credit rates remain steady at 7.7% and 11.7%, respectively, suitable for flexible short-term needs. The unsecured Signature loan holds firm at 12.15% APR, reflecting consistent borrowing costs for general personal use. Members should compare these fixed and variable rate options carefully to align with their financial goals.
For more details, visit https://www.rbfcu.org/loans/personal-loans.
AFFINITY FEDERAL CREDIT UNION
As of October 24, 2025, AFFINITY’s personal loan rates remain stable with no changes over the past 30 days. The Certificate secured loan offers the lowest APR at 2.0%, ideal for members seeking low-cost borrowing backed by certificates. The Shared secured loan is also competitively priced at 2.75%. For unsecured options, the standard Personal loan holds steady at 12.5%, while the Debt consolidation loan remains at 13.5%, suitable for those looking to streamline higher-interest debts. The Student loan consolidation program continues at a favorable 4.99% APR. Members should review these fixed-rate options carefully to match their borrowing needs with cost certainty.
LendMesh
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Conclusion
When planning your next personal loan, it’s crucial to align your borrowing goals with the right product and rate. For those consolidating debt or facing unexpected costs, secured loans with rates near 2.0% offer significant savings and lower risk, making them smart first stops. Meanwhile, unsecured loans are still viable but come with higher APRs, so compare carefully before committing. Remember to review credit union-specific perks like signature loans or share-secured options that can unlock even better terms based on your membership. As rates have remained largely stable recently, now is a great time to lock in favorable terms rather than waiting for shifts that might increase costs. Keep an eye on upcoming weekly updates to stay informed, being proactive about rate changes can save you hundreds over your loan term. Take charge of your financial future by exploring all available options thoroughly and choosing the solution that fits your needs best.