Introduction
On November 14, 2025, credit union members have a variety of attractive personal loan options to consider, with some of the lowest APRs holding steady and prime secured loans shining bright. For those seeking the most affordable borrowing, share-secured loans stand out with rock-bottom rates as low as 1.8% at TruMark Financial and 2.0% across several credit unions including Texas Dow Employees and Lafayette. If unsecured signature loans are more your style, Lafayette offers a competitive rate at 8.99%, while Charter Oak’s unsecured personal loans remain steady at 7.75%. Notably, there haven’t been any significant rate shifts in the last month, underscoring a stable lending environment ripe for smart borrowing decisions. Whether you’re eyeing debt consolidation or planning for upcoming expenses, today’s data highlights solid opportunities to secure low-cost credit tailored to your needs.
Personal Loans
Credit Union
Product
2025-11-14
(Current Day)
(Current Day)
2025-10-30
(15 Days Ago)
(15 Days Ago)
2025-10-15
(30 Days Ago)
(30 Days Ago)
2025-09-30
(45 Days Ago)
(45 Days Ago)
2025-09-15
(60 Days Ago)
(60 Days Ago)
2025-11-07
(7 Days Ago)
(7 Days Ago)
2025-08-16
(90 Days Ago)
(90 Days Ago)
Home equity line of credit - classic
7.625
7.875▲ 25 bps
7.875▲ 25 bps
8.125▲ 50 bps
8.125▲ 50 bps
7.625
8.125▲ 50 bps
Personal line of credit/overdraft
12.28
12.29▲ 1 bps
12.29▲ 1 bps
12.51▲ 23 bps
12.51▲ 23 bps
12.28
12.71▲ 43 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
7.24
7.74▲ 50 bps
7.74▲ 50 bps
7.24
7.74▲ 50 bps
Line of credit / overdraft protection
11.5
11.5
11.5
2.05▼ 945 bps
11.5
11.5
11.5
REDSTONE FEDERAL CREDIT UNION
As of November 14, 2025, REDSTONE’s personal loan rates remain stable across all products with no changes in APR over the past 30 days. The lowest rate is 1.0% APR on the Credit Builder loan, ideal for members establishing or improving credit. For secured borrowing, the Share Secured loan offers a competitive 3.0% APR, while unsecured signature loans range from 10.89% to 11.09% APR depending on term length. The Home Equity Line of Credit Classic holds steady at 7.625% APR, and the Personal Line of Credit remains at 12.28% APR. Members should compare fixed and variable options carefully to align borrowing costs with their financial goals.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal,
TRUMARK FINANCIAL CREDIT UNION
As of November 14, 2025, TRUMARK FINANCIAL’s 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 leveraging savings as collateral. For unsecured borrowing, Unsecured-installment signature loans stand at 10.49% APR, while first-time borrowers may benefit from the First credit loan at a competitive 6.25% APR. Members seeking flexible borrowing against investments can consider the Stock loans to 75% of value at 8.49% APR. Review your borrowing goals and compare fixed-rate options for predictable payments.
TEXAS DOW EMPLOYEES CREDIT UNION
As of November 14, 2025, TEXAS DOW EMPLOYEES personal loan rates remain stable across all products with no changes in APR over the past 30 days. The Certificate of Deposit Secured Loan and Share Secured Loan offer the lowest APR at 2.00%, ideal for members seeking secured borrowing options with minimal cost. Unsecured options like the Personal Loan and Home Advantage Loan maintain competitive fixed rates at 7.14% and 7.24%, respectively, suited for general borrowing or home-related expenses. The Cash $tash Line of Credit holds steady at 9.74%, providing flexible access to funds when needed. Members should review their borrowing needs and consider fixed-rate loans for predictable payments.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
ADVANCIAL FEDERAL CREDIT UNION
As of November 14, 2025, ADVANCIAL’s personal loan rates remain stable across all products. The Savings-secured loan continues to offer the lowest APR at 2.0%, unchanged over the past 30 days, making it ideal for members seeking low-cost borrowing secured by savings. Both the Signature loan and the True line of credit hold steady at 9.9% APR, providing consistent fixed-rate options for unsecured borrowing needs. Members should assess their financial goals carefully; consider secured loans for lower rates or fixed-rate unsecured loans for predictable payments. Compare these options to match your borrowing purpose and risk tolerance. 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 14, 2025, all LAFAYETTE personal loan rates remain steady with no changes over the past 30 days. The lowest APR is 2.0% on both Certificate secured and Share secured loans, ideal for members seeking low-cost borrowing with collateral. The Credit builder loan holds a consistent 3.0% APR, suitable for members aiming to improve credit history. For unsecured borrowing, the Signature loan offers a stable 8.99% APR, while the Line of credit remains at 9.99% APR, providing flexible access to funds. Members should compare these options based on their borrowing purpose and consider fixed rates 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 November 14, 2025, CHARTER OAK personal loan rates remain stable. The Readi-cash too APR holds at 11.0%, down from 11.25% a month ago, reflecting a modest 0.25 percentage point (25 bps) decrease. Both the Secured personal loan and Unsecured personal loans rates have stayed steady at 2.0% and 7.75%, respectively, over the past 30 days. Members seeking the lowest borrowing cost may consider the Secured personal loan at 2.0% APR, while those preferring unsecured options can access a competitive fixed rate of 7.75% APR. Comparing products based on your credit needs and risk tolerance is advisable; consider fixed-rate loans for payment certainty. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
ORNL FEDERAL CREDIT UNION
As of November 14, 2025, ORNL's personal loan APRs remain stable across all products with no changes in the past 30 days. The lowest unsecured rate is 9.99% APR on the Personal loan, suitable for members seeking fixed-rate borrowing. For secured borrowing, Share certificate secured and Share secured loans offer the lowest APR at 2.00%, appealing to members able to pledge savings. Vehicle-secured loans start at 5.89% for auto, motorcycle & ATV, and 8.29% for boat & RV loans. The Personal line of credit holds a steady 11.74% APR, offering flexible access but at a higher cost.
Members should compare these rates against their financial needs and consider fixed-rate options for payment predictability.
CRANE CREDIT UNION
As of November 14, 2025, CRANE's personal loan rates remain stable across all products. The Custom Fit Loans and Line of Credit both hold steady at 10.25% APR and 12.0% APR, respectively, with no changes over the past 30 days. The most competitive rate is on the Loan Secured by Savings at a notably low 2.0% APR, offering a cost-effective option for members with savings collateral. Members seeking lower unsecured borrowing costs may find the fixed-rate Custom Fit Loan advantageous, while those prioritizing payment certainty should consider secured loans. Review your financial goals carefully to select the best fit for your borrowing needs. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
LIBERTY FEDERAL CREDIT UNION
As of November 14, 2025, LIBERTY’s personal loan APRs remain stable with no changes over the past 30 days. The Certificate pledge holds the lowest APR at 2.00%, closely followed by the Share pledge at 2.05%, both ideal for members seeking low-rate secured borrowing options. For unsecured needs, the Personal loan rate stands at 9.59%, consistent for a month, suitable for those needing straightforward, fixed-rate financing. Other secured loans like Computer and non-titled collateral and Home improvement maintain rates at 8.55% and 10.39%, respectively, while the Line of credit / overdraft protection remains at 11.50%. Members should review these fixed rates carefully to align with their financial goals.
For more details, visit https://www.libertyfcu.org/loan-rates#personal.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of November 14, 2025, RANDOLPH BROOKS personal loan rates remain stable with no changes over the past 30 days. The lowest available APR is 2.0% on both Certificate secured and Share secured loans, ideal for members seeking low-risk, fixed-rate borrowing options. The Holiday loan maintains a steady rate of 7.7%, suitable for short-term seasonal expenses. For flexible borrowing, the Line of credit holds at 11.7%, while the unsecured Signature loan remains at 12.15%, representing the highest cost option here. Members should assess their needs carefully and consider fixed-rate products for predictable payments. For more details, visit https://www.rbfcu.org/loans/personal-loans.
LendMesh
When it comes to borrowing, trust matters. That’s why LendMesh only works with credit unions and banks that value transparency, fairness, and your financial future. Our personal loan marketplace helps you compare real rates—not teaser offers—and gives you tools to plan smarter. Whether you need funds fast or just want to explore options, we’re here for you. See your choices at https://www.lendmesh.com/loans/personal_loans and move forward with confidence.
Conclusion
As you weigh your borrowing options this week, remember that locking in a low APR now can save you hundreds over the life of your loan, especially if you qualify for secured products like share-secured or certificate-secured loans with rates near 2%. For those consolidating debt or facing an emergency expense, an unsecured signature loan from Lafayette or Charter Oak could offer a flexible solution without breaking the bank. Always consider your repayment timeline carefully; longer terms might feel manageable monthly but could cost more in interest overall. Don’t hesitate to reach out to your credit union to discuss personalized offers and eligibility. And as rates remain stable this month, it’s wise to check back next week for fresh updates that could open new doors for your financial goals. Staying informed is the best way to make confident, empowered decisions on your journey toward financial wellness.