Introduction
On November 28, 2025, credit union members are seeing some of the most competitive personal loan rates in recent weeks, offering excellent opportunities to manage finances smartly. For those seeking the lowest secured loan APRs, multiple credit unions, including Charter Oak, Lafayette, Crane, and Texas Dow Employees, are offering standout rates at just 2.00% on various share- and certificate-secured loans. If unsecured options are more your style, Redstone’s personal unsecured signature loans remain steady and attractive with rates as low as 10.89% for 60 months. First-time borrowers can also benefit from Trumark Financial’s First Credit Loan at a solid 6.25% APR, providing an accessible entry point to build credit affordably. Notably, no major rate fluctuations have occurred over the past month, suggesting stability in loan pricing right now. Whether you’re consolidating debt or planning a big purchase, these consistent rates create a positive environment for making financially sound decisions with confidence.
Personal Loans
Credit Union
Product
2025-11-28
(Current Day)
(Current Day)
2025-11-13
(15 Days Ago)
(15 Days Ago)
2025-10-29
(30 Days Ago)
(30 Days Ago)
2025-10-14
(45 Days Ago)
(45 Days Ago)
2025-09-29
(60 Days Ago)
(60 Days Ago)
2025-11-21
(7 Days Ago)
(7 Days Ago)
2025-08-30
(90 Days Ago)
(90 Days Ago)
Home equity line of credit - classic
7.625
7.625
7.875▲ 25 bps
7.875▲ 25 bps
8.125▲ 50 bps
8.125▲ 50 bps
Personal line of credit/overdraft
12.28
12.28
12.29▲ 1 bps
12.29▲ 1 bps
12.51▲ 23 bps
12.71▲ 43 bps
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
Line of credit / overdraft protection
11.5
11.5
11.5
11.5
2.05▼ 945 bps
11.5
11.5
Privateline overdraft protection
14
14
14.25▲ 25 bps
14.25▲ 25 bps
14.25▲ 25 bps
14
14.75▲ 75 bps
REDSTONE FEDERAL CREDIT UNION
As of November 28, 2025, REDSTONE's Credit Builder Loan maintains the lowest APR at a steady 1.0%, unchanged over the past month. The Share Secured Loan offers another low-rate option at 3.0%, stable for 30 days. Among unsecured products, the Personal Unsecured Signature Loan rates remain fixed at 10.89% (60 months) and 11.09% (72 months). The Home Equity Line of Credit - Classic saw a slight decrease from 7.875% to 7.625% in the last 30 days, while the Personal Line of Credit/Overdraft remains steady near 12.28%. Members seeking low-cost borrowing may consider secured or credit builder loans; those needing flexibility should compare fixed signature loans and lines of credit carefully for their goals.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TRUMARK FINANCIAL CREDIT UNION
As of November 28, 2025, TRUMARK FINANCIAL's personal loan rates remain stable with no changes in APRs over the past 30 days. The Share-secured loan offers the lowest rate at 1.8% APR, ideal for members seeking low-cost borrowing backed by savings. For unsecured options, the Unsecured-installment signature loans carry a fixed 10.49% APR, suitable for members needing flexible, unsecured financing. First-time borrowers may find the First credit loan attractive at 6.25% APR, matching the rate on the Term-share secured loan. Members should compare these fixed-rate products to align borrowing costs with their financial goals and risk tolerance. 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 28, 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 a competitive 2.0%, ideal for members seeking low-risk borrowing options. For unsecured needs, the Personal loan maintains a steady rate of 7.14%, while the Home advantage loan is slightly higher at 7.24%. The Cash $tash line of credit holds steady at 9.74%, suitable for flexible borrowing. Members should compare these fixed-rate products carefully based on their security preferences and payment certainty goals.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured,
LAFAYETTE FEDERAL CREDIT UNION
As of November 28, 2025, all LAFAYETTE personal loan rates remain stable with no changes in APR over the past 30 days. The lowest available rates are on Certificate secured and Share secured loans at a consistent 2.0% APR, ideal for members seeking low-risk borrowing options. The Credit builder loan holds steady at 3.0% APR, supporting first-time borrowers aiming to establish credit history. Unsecured options like the Signature loan and the Line of credit maintain rates at 8.99% and 9.99% APR, respectively, suitable for flexible borrowing needs without collateral. Members should compare these fixed-rate products based on their financial goals and risk tolerance.
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 28, 2025, CHARTER OAK's Readi-cash too rate remains steady at 11.0% APR, down slightly from 11.25% a month ago, reflecting a 0.25 percentage point (25 bps) decrease in borrowing costs for this product. The Secured personal loan continues to offer the lowest APR at 2.0%, unchanged over the past month, providing an attractive option for members seeking collateral-backed financing. Meanwhile, Unsecured personal loans hold firm at 7.75% APR, offering consistent rates for members preferring unsecured credit. Members should compare these fixed-rate options to align borrowing choices with their financial goals and risk tolerance.
For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
CRANE CREDIT UNION
As of November 28, 2025, CRANE’s 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%, offering a consistent unsecured borrowing option suitable for various member needs. The Line of Credit holds steady at 12.0% APR, providing flexible access to funds for ongoing expenses. Notably, the lowest rate is available on the Loan Secured by Savings at 2.0% APR, ideal for members seeking low-cost, secured financing. Members should review these options carefully and consider fixed-rate loans if they prefer predictable monthly payments. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
LIBERTY FEDERAL CREDIT UNION
As of November 28, 2025, LIBERTY credit union’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 2.00% APR, followed closely by the Share pledge at 2.05% APR, both ideal for members seeking secured, low-cost borrowing. For unsecured needs, the Personal loan holds a steady 9.59% APR, while the Home improvement and Line of credit/overdraft protection remain at 10.39% and 11.50% APR respectively. Members should review these fixed rates to select options that align with their financial goals 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 28, 2025, AFFINITY’s personal loan rates remain stable across all products. Notably, the Certificate secured loan holds the lowest APR at 2.0%, unchanged over the past month, ideal for members seeking low-cost, collateral-backed borrowing. The Shared secured loan also offers a competitive rate at 2.75%. Unsecured options like the Personal loan and Debt consolidation loan maintain steady APRs of 12.5% and 13.5%, respectively, providing predictable costs for those consolidating debt or needing flexible funds. The only slight change is in the Privateline overdraft protection, which decreased from 14.25% to 14.0% in the last 30 days, slightly lowering overdraft expenses.
Members should compare these fixed-rate loans based on their credit needs and consider secured loans if aiming to minimize interest costs while maintaining payment certainty.
Y-12 FEDERAL CREDIT UNION
As of November 28, 2025, Y-12’s personal loan APRs remain stable with no changes over the past 30 days. The Share secured - installment loan offers the lowest rate at 2.0% APR, ideal for members seeking affordable, collateral-backed borrowing. Among unsecured options, the Signature loan stands at 12.49% APR, while the Ultra loan is slightly higher at 13.99% APR; both have held steady, providing predictable costs. The Access line of credit maintains a fixed rate of 14.99% APR, suitable for flexible borrowing needs. Members should compare these fixed-rate products carefully to match terms with their financial goals. For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
GLOBAL FEDERAL CREDIT UNION
As of November 28, 2025, GLOBAL's personal loan APRs remain stable across all products with no changes in the past 30 days. The Pledge of certificates (secured) loan offers the lowest rate at 2.0% APR, followed closely by the Pledge of shares (secured) loan at 2.1% APR, ideal for members seeking low-cost secured borrowing. For unsecured needs, the Signature (unsecured) loan holds steady at 14.9% APR, while the Credit line remains at 13.5% APR. Members should assess their credit needs carefully and consider secured options for lower rates or fixed-rate loans for predictable payments. For more details, visit https://www.globalcu.org/rates/personal-loan-rates/.
LendMesh
It’s your life, your budget, and your next move. LendMesh helps you borrow smarter by offering access to transparent personal loan options—so you never have to wonder if you got a fair deal. From low rates to flexible terms, our lending partners are here to support your journey. Ready to take a look? Visit https://www.lendmesh.com/loans/personal_loans and find your fit.
Conclusion
As you consider your financial goals in the weeks ahead, be it consolidating credit card balances, covering unexpected expenses, or funding home improvements, remember that choosing the right loan type is key. Secured loans offer remarkably low APRs around 2%, ideal if you have collateral like savings or certificates. For those without collateral, unsecured signature loans near 9-11% remain competitive and flexible. Keep an eye on your credit union’s offerings and don’t hesitate to ask about terms that suit your timeline; longer terms may lower monthly payments but increase total interest paid. Since rates have been stable recently, now is a great time to lock in favorable financing rather than waiting for uncertain market shifts. Stay proactive by reviewing your options regularly and consulting trusted financial advisors to ensure your borrowing strategy supports your unique situation, and check back next week for updated rates that could open even more doors!