Introduction
As of November 21, 2025, credit union members have some excellent personal loan opportunities to consider, especially for those looking to save on interest costs or secure flexible financing. The standout offers today include incredibly low APRs on secured loans, with several credit unions like REDSTONE, CHARTER OAK, and AFFINITY offering secured loans as low as 1.0% to 2.0% APR, perfect for members seeking low-risk borrowing options. If you’re building or rebuilding credit, REDSTONE’s Credit Builder loan at just 1.0% APR remains a top pick. For unsecured loans, Lafayette’s Signature loan at 8.99% APR and Charter Oak’s unsecured personal loans at 7.75% APR provide competitive rates for longer-term financing needs. Notably, rates have remained stable over the past month across all programs, giving borrowers confidence in current offerings without sudden increases. Whether you're consolidating debt or planning a big purchase, today’s rate landscape highlights strong value in both secured and unsecured personal loans across multiple credit unions.
Personal Loans
Credit Union
Product
2025-11-21
(Current Day)
(Current Day)
2025-11-06
(15 Days Ago)
(15 Days Ago)
2025-10-22
(30 Days Ago)
(30 Days Ago)
2025-10-07
(45 Days Ago)
(45 Days Ago)
2025-09-22
(60 Days Ago)
(60 Days Ago)
2025-11-14
(7 Days Ago)
(7 Days Ago)
2025-08-23
(90 Days Ago)
(90 Days Ago)
Personal unsecured signature - 60 months
10.89
10.89
10.89
10.89
11.19▲ 30 bps
10.89
11.29▲ 40 bps
Personal unsecured signature - 72 months
11.09
11.09
11.09
11.09
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
Signature line of credit
11.49
11.49
11.49
11.49
11.74▲ 25 bps
11.49
11.74▲ 25 bps
Privateline overdraft protection
14
14
14.25▲ 25 bps
14.25▲ 25 bps
14.75▲ 75 bps
14
REDSTONE FEDERAL CREDIT UNION
As of November 21, 2025, REDSTONE personal loan rates remain stable with no changes over the past 30 days. The Credit Builder loan continues to offer the lowest APR at 1.0%, ideal for members establishing or improving credit. For unsecured borrowing, the Personal Unsecured Signature loans provide fixed APRs of 10.89% for 60 months and 11.09% for 72 months, suitable for those seeking predictable payments over longer terms. The Personal Stretch loan holds steady at a higher rate of 17.0%, reflecting its flexible but costlier nature. Members should compare these fixed-rate options based on term length and borrowing purpose to align 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 21, 2025, TRUMARK FINANCIAL’s personal loan rates remain stable with no changes in the past 30 days. The Share-secured loan holds the lowest APR at 1.8%, ideal for members seeking low-cost borrowing backed by savings. For first-time borrowers, the First credit loan offers a competitive fixed rate of 6.25%. Members interested in stock-backed financing can access the Stock loans to 75% of value at 8.49% APR. Unsecured installment signature loans carry a steady rate of 10.49%, while the higher-risk Better choice loan remains at 18.0% APR. Review your borrowing needs carefully and consider secured options for lower rates and predictable payments.
TEXAS DOW EMPLOYEES CREDIT UNION
As of November 21, 2025, TEXAS DOW EMPLOYEES credit union’s 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 low-risk, secured borrowing options. Unsecured options like the Personal Loan and Home Advantage Loan hold steady at 7.14% and 7.24%, respectively, suitable for members needing fixed-rate borrowing. The Cash $tash Line of Credit remains at 9.74%, providing flexible access to funds without rate fluctuations. Members should compare these options based on security preferences and consider fixed rates for budget certainty. For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
ADVANCIAL FEDERAL CREDIT UNION
As of November 21, 2025, ADVANCIAL's personal loan rates remain stable across all products. The Savings-secured loan holds the lowest APR at 2.0%, unchanged for the past 30 days, offering an affordable option for members with savings collateral. Both the Signature loan and the True line of credit maintain steady APRs at 9.9%, consistent over the last month, suitable for those seeking unsecured borrowing or flexible credit access. Members should assess their borrowing needs carefully and consider fixed-rate options like the secured loan for predictable payments.
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 21, 2025, all LAFAYETTE personal loan rates remain stable with no changes over the past 30 days. The lowest APRs are on Certificate secured and Share secured loans at 2.0%, offering cost-effective borrowing for members with collateral. The Credit builder loan holds steady at 3.0%, suitable for those establishing or improving credit. Among unsecured options, the Signature loan maintains an 8.99% APR, while the Line of credit stays at 9.99%. Members should assess secured versus unsecured products based on their financial goals and consider fixed-rate loans 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 November 21, 2025, CHARTER OAK’s personal loan rates remain steady with minimal changes. The Readi-cash too loan saw a slight decrease in APR from 11.25% thirty days ago to 11.0%, reflecting a 0.25 percentage point (25 bps) improvement over the past month. Both the Secured personal loan and Unsecured personal loans hold firm at 2.0% and 7.75% APR, respectively, with no changes over the last 30 days. Members seeking the lowest borrowing cost will find the Secured personal loan at 2.0% APR most attractive, while those preferring unsecured options can consider the stable 7.75% APR rate. Evaluate your borrowing needs carefully and consider fixed-rate options for predictable payments. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
APPLE FEDERAL CREDIT UNION
As of November 21, 2025, APPLE's personal loan rates remain stable across all products with no changes over the past 30 days. The Savings secured (certificates) offer the lowest APR at 2.00%, ideal for members seeking low-risk borrowing tied to certificates. For those preferring unsecured options, the Signature loan provides a fixed rate of 9.99%, while the Signature line of credit stands at 11.49%. Both educator and first responder lines of credit maintain an APR of 7.25%, supporting public service professionals with flexible terms. Members should review their borrowing goals and consider fixed-rate loans for predictable payments.
For more details, visit https://www.applefcu.org/loans/personalloans.
CRANE CREDIT UNION
As of November 21, 2025, CRANE personal loan rates remain stable across all products with no changes in the past 30 days. The Custom fit loans maintain an APR of 10.25%, suitable for members seeking fixed-rate unsecured borrowing. The Line of credit holds steady at 12.0% APR, offering flexible access to funds without rate fluctuations. The most affordable option is the Loan secured by savings at a low 2.0% APR, ideal for members who can leverage savings as collateral to minimize interest costs. Members should review these options carefully and consider fixed-rate loans for predictable payments or secured loans to reduce borrowing expenses.
For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
LIBERTY FEDERAL CREDIT UNION
As of November 21, 2025, LIBERTY’s personal loan rates remain stable with no changes in the past 30 days. The Certificate pledge loan holds the lowest APR at 2.00%, followed closely by the Share pledge at 2.05%, both ideal for members seeking secured borrowing with low rates. Unsecured options such as the Personal loan and Home improvement loans carry higher APRs at 9.59% and 10.39%, respectively, suitable for general financing needs. The Line of credit / overdraft protection remains steady at 11.50%, offering flexible access to funds. Members should review product terms carefully and consider fixed-rate loans for predictable payments.
For more details, visit https://www.libertyfcu.org/loan-rates#personal.
AFFINITY FEDERAL CREDIT UNION
As of November 21, 2025, AFFINITY's personal loan rates remain stable across all products. The Certificate secured loan offers the lowest APR at 2.0%, unchanged over the past month, making it ideal for members seeking low-cost, secured borrowing. The Shared secured loan holds steady at 2.75% APR, also a competitive secured option. Unsecured loans such as the Personal loan and Debt consolidation loan maintain consistent rates of 12.5% and 13.5%, respectively, suitable for members aiming to manage debt or access flexible funds without collateral. Notably, the Privateline overdraft protection rate decreased slightly by 0.25 percentage points to 14.0% APR from 30 days ago. Members should compare these fixed-rate options based on their financial goals and consider secured loans for lower interest costs when possible.
LendMesh
Some financial goals are urgent. Others are deeply personal. Either way, LendMesh helps you find personal loan options that support your journey. With real-time comparisons from trusted banks and credit unions, you can stop guessing and start acting. Whether it’s a family need or a fresh start, visit https://www.lendmesh.com/loans/personal_loans to take your next step with clarity.
Conclusion
When considering your next personal loan, remember that choosing the right product can make a significant difference in your financial health, especially if you plan to consolidate high-interest debt or handle unexpected expenses. Secured loans with APRs near 2% offer a cost-effective way to borrow if you have collateral like savings or certificates of deposit. Meanwhile, competitive signature and unsecured loan rates under 10% provide flexibility without tying up assets. As always, review your credit union’s terms carefully and consider how each program fits your repayment timeline and budget. Keep an eye on these steady rates in the weeks ahead and don’t hesitate to act if you spot a favorable offer that matches your needs. Staying informed is key, check back next week for any shifts in rates that could unlock even better borrowing opportunities!