Introduction
As of November 7, 2025, credit union personal loan rates remain stable with some standout opportunities for savvy borrowers. If you’re seeking the lowest APRs, secured loans continue to lead with rates as low as 2.0% offered across multiple credit unions including Texas Dow Employees, Advancial, Lafayette, Charter Oak, ORNL, Crane, Liberty, and Randolph Brooks. For those exploring signature loans, Lafayette’s 8.99% signature loan rate offers a competitive edge, while unsecured personal loans at Redstone and Trumark Financial hover around the mid-10% range. Notably, share-secured loans present an exceptionally affordable option with rates starting near 1.8% at Trumark Financial. While most rates have remained steady over the past month, Charter Oak’s Readi-cash too loan saw a slight dip from 11.25% to 11.0%, signaling a modest improvement for short-term borrowing. Whether you’re consolidating debt or preparing for upcoming expenses, today’s data highlights solid choices in both secured and unsecured products designed to fit various financial goals.
Personal Loans
| Lender | Product | 2025-11-07 Current | 2025-10-23 15 Days Ago | 2025-10-08 30 Days Ago | 2025-09-23 45 Days Ago | 2025-09-08 60 Days Ago | 2025-10-31 7 Days Ago | 2025-08-09 90 Days Ago |
|---|---|---|---|---|---|---|---|---|
| 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% | 1.8% |
| 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% |
| ADVANCIAL FEDERAL CREDIT UNION | Savings-secured | 2% | 2% | 2% | 2% | 2% | 2% | N/A |
| LAFAYETTE FEDERAL CREDIT UNION | Certificate secured | 2% | 2% | N/A | N/A | N/A | 2% | N/A |
| LAFAYETTE FEDERAL CREDIT UNION | Share secured | 2% | 2% | N/A | N/A | N/A | 2% | N/A |
| CHARTER OAK FEDERAL CREDIT UNION | Secured personal loan | 2% | 2% | 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% | 2% | 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% | 2% | N/A | N/A | N/A | 2% | N/A |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Share secured | 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% |
| REDSTONE FEDERAL CREDIT UNION | Share secured | 3% | 3% | 3% | 3% | 3% | 3% | 3% |
| LAFAYETTE FEDERAL CREDIT UNION | Credit builder | 3% | 3% | N/A | N/A | N/A | 3% | N/A |
| ORNL FEDERAL CREDIT UNION | Secured loans (auto, motorcycle & atv) | 5.89% | 5.89% | 5.89% | 5.89% | 5.89% | 5.89% | 5.89% |
| 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% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Personal loan | 7.14% | 7.14% | 7.14% | 7.74% | 7.74% | 7.14% | 7.74% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Home advantage loan | 7.24% | 7.24% | 7.24% | 7.74% | 7.74% | 7.24% | 7.74% |
| REDSTONE FEDERAL CREDIT UNION | Home equity line of credit - classic | 7.625%▼ 25 bps | 7.875% | 7.875% | 8.125% | 8.125% | 7.875% | 8.125% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Holiday loan | 7.7% | 7.7% | N/A | N/A | N/A | 7.7% | N/A |
| CHARTER OAK FEDERAL CREDIT UNION | Unsecured personal loans | 7.75% | 7.75% | N/A | N/A | N/A | 7.75% | N/A |
| ORNL FEDERAL CREDIT UNION | Secured loans (boat & rv) | 8.29% | 8.29% | 8.29% | 8.29% | 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% | 8.99% | 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% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Personal line of credit | 9.74% | N/A | 9.74% | N/A | N/A | N/A | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | Signature | 9.9% | 9.9% | 9.9% | 9.9% | 9.9% | 9.9% | N/A |
| ADVANCIAL FEDERAL CREDIT UNION | True line of credit | 9.9% | 9.9% | 9.9% | 9.9% | 9.9% | 9.9% | N/A |
| LAFAYETTE FEDERAL CREDIT UNION | Line of credit | 9.99% | 9.99% | 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% | 10.25% | 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% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 60 months | 10.89% | 10.89% | 10.89% | 11.19% | 11.19% | 10.89% | 11.29% |
| CHARTER OAK FEDERAL CREDIT UNION | Readi-cash too | 11%▼ 25 bps | 11.25% | N/A | N/A | N/A | 11.25% | N/A |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 72 months | 11.09% | 11.09% | 11.09% | 11.39% | 11.39% | 11.09% | 11.49% |
| LIBERTY FEDERAL CREDIT UNION | Line of credit / overdraft protection | 11.5% | 11.5% | 11.5% | 2.05% | 11.5% | 11.5% | 11.5% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Line of credit | 11.7% | 11.7% | 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% | 12% | N/A | N/A | N/A | 12% | N/A |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | Signature loan | 12.15% | 12.15% | N/A | N/A | N/A | 12.15% | N/A |
| REDSTONE FEDERAL CREDIT UNION | Personal line of credit/overdraft | 12.28%▼ 1 bps | 12.29% | 12.29% | 12.51% | 12.51% | 12.29% | 12.71% |
| REDSTONE FEDERAL CREDIT UNION | Personal stretch* | 17% | 17% | 17% | 17% | 17% | 17% | 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.
REDSTONE FEDERAL CREDIT UNION
As of November 7, 2025, REDSTONE's personal loan rates remain stable with no changes over the past month. The lowest APR is on the Credit Builder Loan at 1.0%, ideal for members establishing credit. The Share Secured Loan offers a competitive 3.0% APR, benefiting those with collateral seeking lower rates. Among unsecured options, the 60-month Personal Unsecured Signature Loan at 10.89% APR provides affordable fixed payments, while the Home Equity Line of Credit , Classic stands at 7.625%, slightly down from 7.875% last week, offering flexible borrowing secured by home equity. Members should compare product terms and consider fixed-rate loans for predictable payments.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal,
TRUMARK FINANCIAL CREDIT UNION
As of November 7, 2025, TRUMARK FINANCIAL’s 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 their shares. For unsecured options, Unsecured-installment signature loans carry an APR of 10.49%, while the Better choice program remains higher at 18.0%. Members new to credit may benefit from the First credit loan and Term-share secured loan, both steady at 6.25%. Consider comparing fixed-rate products to match your borrowing needs with predictable payments. For more details, visit https://www.trumarkonline.org/rates/#:~:text=Signature%20Loan%20Rates-,Account%20%C2%A0,-Term%20%C2%A0.
TEXAS DOW EMPLOYEES CREDIT UNION
As of November 7, 2025, TEXAS DOW EMPLOYEES 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 secured borrowing options with minimal cost. Unsecured options such as the Personal Loan and Home Advantage Loan maintain competitive fixed rates at 7.14% and 7.24%, respectively. The Cash $tash Line of Credit and Personal Line of Credit both hold steady at 9.74%, suitable for flexible borrowing needs. Members should compare these fixed and variable rates based on their financial goals and risk tolerance.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
ADVANCIAL FEDERAL CREDIT UNION
As of November 7, 2025, ADVANCIAL’s personal loan rates remain stable with no changes over the past 30 days. The Savings-secured loan continues to offer the lowest APR at 2.0%, ideal for members seeking affordable, low-risk borrowing options. Both the Signature loan and the True line of credit hold steady at 9.9% APR, providing consistent unsecured borrowing alternatives. Members should evaluate their borrowing needs carefully; those prioritizing payment certainty might consider fixed-rate options like the secured loan, while others could benefit from the flexibility of a line of credit. Compare these products to determine which aligns best with your financial goals. For more details, visit https://www.advancial.org/rates#:~:text=%2D-,Signature%E2%81%B4,-Rates%20as%20low.
LAFAYETTE FEDERAL CREDIT UNION
As of November 7, 2025, LAFAYETTE’s personal loan rates remain stable with no changes across all products over the past 30 days. The lowest APR is 2.0% for both the Certificate secured and Share secured loans, ideal for members seeking low-cost borrowing backed by collateral. The Credit builder loan holds steady at 3.0%, supporting members aiming to establish or improve credit. For unsecured options, the Signature loan remains at 8.99%, while the Line of credit is fixed at 9.99%, suitable for flexible borrowing needs. Members should compare these fixed rates carefully to align borrowing choices 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 November 7, 2025, CHARTER OAK personal loan rates show stability with minor shifts. The Readi-cash too loan APR decreased slightly by 0.25 percentage points (25 bps) from 11.25% to 11.0% over the past week, indicating modest borrowing cost relief. Both the Secured personal loan and Unsecured personal loans maintain steady rates at 2.0% and 7.75%, respectively; notably, the secured option offers the lowest APR for members prioritizing lower interest through collateral. Members seeking flexible, low-rate borrowing might consider these fixed-rate products; comparing terms can help align choices with financial goals. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
ORNL FEDERAL CREDIT UNION
As of November 7, 2025, ORNL's personal loan rates remain steady with no changes over the past 30 days. The Personal Loan APR holds at 9.99%, while the Personal Line of Credit stays at 11.74%. For secured borrowing, rates are stable at 5.89% for auto, motorcycle, and ATV loans, and 8.29% for boat and RV loans. The lowest available APR is a consistent 2.00% on both Share Certificate Secured and Share Secured Loans, ideal for members seeking low-cost borrowing backed by savings. Members should review these fixed-rate options to align loan types with their financial goals.
CRANE CREDIT UNION
As of November 7, 2025, CRANE's personal loan rates remain steady with no changes over the past 30 days. The Custom fit loans and Line of credit products hold consistent APRs at 10.25% and 12.0%, respectively. Members seeking the lowest borrowing cost should consider the Loan secured by savings, which offers a notably low APR of 2.0%, reflecting secured loan benefits. These stable rates provide clarity for members evaluating options; compare product terms carefully and consider secured loans if you prioritize lower interest costs with collateral requirements. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
LIBERTY FEDERAL CREDIT UNION
As of November 7, 2025, LIBERTY’s personal loan APRs remain stable across all products with no changes over the past 30 days. The Certificate pledge loan offers the lowest rate at 2.0% APR, closely followed by the Share pledge at 2.05% APR, making these secured options ideal for members seeking the most affordable borrowing costs. Unsecured loans like the Personal loan stand at 9.59% APR, suitable for general borrowing needs, while the Home improvement loan holds steady at 10.39% APR. Members should review their borrowing purpose and consider fixed-rate products to maintain payment predictability. For more details, visit https://www.libertyfcu.org/loan-rates#personal.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of November 7, 2025, RANDOLPH BROOKS personal loan rates remain stable with no changes in APRs over the past 30 days. The most competitive secured options are the Certificate secured and Share secured loans, both at a low 2.0% APR, ideal for members seeking collateral-backed borrowing. The Holiday loan holds steady at 7.7% APR, suitable for seasonal expenses. Among unsecured products, the Signature loan offers a fixed rate of 12.15% APR, while the flexible Line of credit is available at 11.7% APR. Members should compare these options based on their borrowing needs and consider fixed rates for predictable payments. For more details, visit https://www.rbfcu.org/loans/personal-loans.
LendMesh
When life moves fast, your financing options should keep up. At LendMesh, we help you explore personal loans that are built for real-world speed—quick approvals, simple applications, and trusted lenders. From handling surprise expenses to chasing new opportunities, you’ll find support every step of the way. Visit https://www.lendmesh.com/loans/personal_loans and move forward with clarity and confidence.
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Conclusion
When considering a personal loan this season, it’s crucial to match your borrowing needs with the right product type and term length. For debt consolidation or emergency funds, opting for share-secured or certificate-secured loans at rates near 2% can significantly reduce interest costs while protecting your credit score. If you need flexibility without collateral, look closely at signature or personal unsecured loans, but keep an eye on terms to avoid higher APRs above 10%. Remember that even small rate differences can save hundreds over time. As you plan for major purchases or unexpected expenses, take advantage of these consistently low secured loan options and regularly check your credit union’s updated rates, rates may shift next week, opening new doors for better financing solutions. Staying informed empowers you to borrow smarter and achieve your financial goals confidently.