Introduction
As of October 31, 2025, credit union members have some excellent personal loan opportunities to consider. The standout rates today include ultra-low secured loans such as Advancial’s Student Loan at just 1.0% APR and TruMark Financial’s Share-Secured Loan at an incredibly low 1.8% APR, perfect options for those seeking affordable borrowing backed by collateral. For credit builders, both Redstone and Advancial offer competitive 1.0% APR programs, making them ideal for members looking to establish or rebuild credit affordably. Signature loans remain steady, with Lafayette offering one of the lowest rates at 8.99%, while unsecured personal loans from Trumark Financial and Liberty hover around 9.5, 10.5%. Notably, most rates have remained stable over the past month, giving borrowers confidence in predictable costs. Whether you’re planning a big purchase, consolidating debt, or managing unexpected expenses, today’s data highlights secure lending options with rates as low as 2.0% on certificate- and share-secured loans across multiple credit unions, demonstrating great value for risk-averse borrowers.
Personal Loans
Credit Union
Product
2025-10-31
(Current Day)
(Current Day)
2025-10-16
(15 Days Ago)
(15 Days Ago)
2025-10-01
(30 Days Ago)
(30 Days Ago)
2025-09-16
(45 Days Ago)
(45 Days Ago)
2025-09-01
(60 Days Ago)
(60 Days Ago)
2025-10-24
(7 Days Ago)
(7 Days Ago)
2025-08-02
(90 Days Ago)
(90 Days Ago)
Home equity line of credit - classic
7.875
7.875
7.875
8.125▲ 25 bps
8.125▲ 25 bps
7.875
8.125▲ 25 bps
Personal line of credit/overdraft
12.29
12.29
12.29
12.51▲ 22 bps
12.51▲ 22 bps
12.29
12.71▲ 42 bps
Personal unsecured signature - 60 months
10.89
10.89
10.89
11.19▲ 30 bps
11.19▲ 30 bps
10.89
11.29▲ 40 bps
Personal unsecured signature - 72 months
11.09
11.09
11.09
11.39▲ 30 bps
11.39▲ 30 bps
11.09
11.49▲ 40 bps
Unsecured-installment signature loans
10.49
10.49
10.49
10.49
10.49
10.49
10.49
Home advantage loan
7.24
7.24
7.74▲ 50 bps
7.74▲ 50 bps
7.74▲ 50 bps
7.24
7.74▲ 50 bps
Personal loan
7.14
7.14
7.74▲ 60 bps
7.74▲ 60 bps
7.74▲ 60 bps
7.14
7.74▲ 60 bps
Line of credit / overdraft protection
11.5
11.5
2.05▼ 945 bps
11.5
11.5
11.5
11.5
ADVANCIAL FEDERAL CREDIT UNION
As of October 31, 2025, ADVANCIAL’s personal loan APRs remain stable across all listed products with no changes over the past 7, 15, or 30 days. The lowest rate is 1.0% APR on the Student loan, ideal for members pursuing education financing. For secured borrowing, the Savings-secured loan offers a competitive 2.0% APR, while unsecured options such as the Signature and True line of credit loans stand at 9.9% APR. Members seeking low-cost borrowing should consider secured loans or student financing; those needing flexible access may evaluate line of credit terms. Compare product features carefully to match your financial goals and risk tolerance.
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 31, 2025, REDSTONE personal loan rates remain stable with no changes over the past 30 days. The Credit Builder loan holds the lowest APR at 1.0%, ideal for members establishing credit. For secured borrowing, the Share Secured loan offers a competitive 3.0% APR, while the Home Equity Line of Credit - Classic maintains a steady 7.875% APR. Unsecured options include the Personal Unsecured Signature loans at 10.89% (60 months) and 11.09% (72 months), and the higher-rate Personal Stretch at 17.0% APR. Members should compare fixed and variable rates based on their repayment preferences.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TRUMARK FINANCIAL CREDIT UNION
As of October 31, 2025, TRUMARK FINANCIAL personal loan rates remain stable across all products 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 their shares. For unsecured options, the Unsecured-installment signature loans carry a competitive rate of 10.49% APR, suitable for general borrowing needs. First-time borrowers may consider the First credit loan at 6.25% APR, while members leveraging assets can access the Stock loans to 75% of value at 8.49% APR. Review your borrowing goals and compare these fixed rates to align with your financial plans.
TEXAS DOW EMPLOYEES CREDIT UNION
As of October 31, 2025, TEXAS DOW EMPLOYEES credit union personal loan rates remain largely stable. Notably, the Personal loan and Home advantage loan APRs both decreased by 0.60 percentage points (60 bps) compared to 30 days ago, now at 7.14% and 7.24%, respectively. Secured options like the Certificate of deposit secured loan and Share secured loan maintain the lowest APR at a steady 2.00%, ideal for members seeking low-risk borrowing. The Cash $tash line of credit holds firm at 9.74% with no recent changes.
Members should evaluate their borrowing goals carefully; consider fixed-rate loans for predictable payments or secured loans for the lowest APRs. Compare products based on your credit profile and financial needs.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured,
LAFAYETTE FEDERAL CREDIT UNION
As of October 31, 2025, LAFAYETTE credit union’s personal loan rates remain stable with no changes across all products in the past 30 days. The lowest APR available is 2.0% on both Certificate secured and Share secured loans, ideal for members seeking low-cost borrowing backed by collateral. The Credit builder loan at 3.0% APR supports members aiming to establish or improve credit history. For unsecured borrowing, the Signature loan at 8.99% APR offers a competitive fixed rate, while the Line of credit remains steady at 9.99% APR, suitable for flexible borrowing needs. Members should compare products based on loan purpose and consider fixed-rate options for payment predictability. 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 31, 2025, CHARTER OAK's personal loan rates remain steady across all products with no changes in APR over the past 30 days. The Secured personal loan offers the lowest rate at 2.0% APR, ideal for members seeking collateral-backed borrowing with minimal cost. For those preferring unsecured options, the Unsecured personal loans carry a competitive 7.75% APR, suitable for general borrowing needs without collateral. The Readi-cash too product remains at 11.25% APR, consistent over the month and tailored for quick access to funds. Members should review their financial goals and consider fixed-rate options to maintain payment predictability.
For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
ORNL FEDERAL CREDIT UNION
As of October 31, 2025, ORNL's personal loan rates remain stable with no changes across all products in the past 30 days. The Personal Loan APR holds steady at 9.99%, while the Personal Line of Credit remains at 11.74%. Members seeking low-cost secured borrowing will find competitive rates with Secured Loans for auto, motorcycle & ATV at 5.89%, and boat & RV loans at 8.29%. The lowest APR is offered by Share Certificate Secured and Share Secured loans at 2.00%, ideal for members leveraging savings collateral. Review your borrowing needs carefully and consider fixed-rate options to maintain payment predictability.
CRANE CREDIT UNION
As of October 31, 2025, CRANE’s personal loan rates remain stable across all listed products. The Custom fit loans and Line of credit both hold steady at 10.25% APR and 12.0% APR, respectively, showing no change over the past month. The most competitive option is the Loan secured by savings with a notably low APR of 2.0%, ideal for members seeking lower-cost borrowing backed by collateral. Members should assess their borrowing needs carefully; those prioritizing fixed rates might consider the custom fit loan, while those with savings to pledge could benefit from the secured loan’s lower rate. Comparing these options can help align borrowing costs with financial goals. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
LIBERTY FEDERAL CREDIT UNION
As of October 31, 2025, LIBERTY’s personal loan rates remain stable with no changes across most products over the past 30 days. The lowest APR is 2.00% for the Certificate Pledge loan, offering highly competitive secured borrowing. The Share Pledge and new Line of Credit options also provide low rates at 2.05%, suitable for members seeking flexible access to funds with minimal cost. Unsecured options like the Personal Loan hold steady at 9.59% APR, while specialized loans such as Home Improvement and Computer and Non-Titled Collateral maintain higher fixed rates near 10.39% and 8.55%, respectively. Members should compare these offerings based on collateral needs 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 31, 2025, RANDOLPH BROOKS personal loan rates remain stable across all products. The Certificate secured and Share secured loans offer the lowest APRs at a consistent 2.0%, ideal for members seeking low-cost, secured borrowing options. The Holiday loan holds steady at 7.7% APR, while both the Line of credit and Signature loan maintain rates of 11.7% and 12.15%, respectively, with no changes over the past month. Members should compare these fixed-rate options to align borrowing costs with their financial goals and consider secured loans for the most favorable terms. For more details, visit https://www.rbfcu.org/loans/personal-loans.
LendMesh
The right personal loan can help you turn a stressful moment into a stepping stone. Whether you need to consolidate debt, fund a meaningful project, or simply cover life’s curveballs, LendMesh is here to help. Our platform connects you to real lenders with real rates—no surprises, just options. Start your journey today at https://www.lendmesh.com/loans/personal_loans . Because financial clarity starts here.
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Conclusion
When considering a personal loan this week, keep these practical tips in mind: opt for secured loans when possible to access the lowest APRs, especially if you have certificates or savings to pledge, rates can be as low as 1.0, 2.0%, significantly reducing your borrowing costs. If you need flexibility, lines of credit are available but typically come with higher rates; weigh convenience against interest expense carefully. For those consolidating high-interest debt or preparing for major life events, locking in a fixed-rate signature loan under 9% could provide predictable payments without surprises. Remember to check your credit union’s specific terms and ask about any rate changes next week, markets can shift quickly even when recent weeks show stability. Above all, use these current competitive rates as a starting point to find a loan tailored to your financial goals and budget, the right choice today can pave the way for smarter financial health tomorrow.