Introduction
As of December 5, 2025, credit union members have plenty of promising personal loan options to explore. Whether you’re looking to build credit, consolidate debt, or finance a big life event, some standout rates are waiting for you. The lowest APRs are firmly anchored in secured loans, with several credit unions offering competitive rates as low as 2.0% on certificate-secured and share-secured loans at institutions like Texas Dow Employees, Charter Oak, Lafayette, Crane, and Affinity Credit Unions. For those seeking unsecured signature loans, Lafayette’s 8.99% APR provides an attractive option for longer-term borrowing. Meanwhile, first-time borrowers can tap into Trumark Financial’s 6.25% first credit loan, a great gateway to establish credit history without breaking the bank on interest. Notably, most rates have held steady over the past month, offering stability in today’s lending environment. With such a range of products, from ultra-low secured loans to flexible lines of credit, members have excellent opportunities to match their financial needs with the right loan.
Personal Loans
Credit Union
Product
2025-12-05
(Current Day)
(Current Day)
2025-11-20
(15 Days Ago)
(15 Days Ago)
2025-11-05
(30 Days Ago)
(30 Days Ago)
2025-10-21
(45 Days Ago)
(45 Days Ago)
2025-10-06
(60 Days Ago)
(60 Days Ago)
2025-11-28
(7 Days Ago)
(7 Days Ago)
2025-09-06
(90 Days Ago)
(90 Days Ago)
Personal unsecured signature - 60 months
10.89
10.89
10.89
10.89
10.89
10.89
11.19▲ 30 bps
Personal unsecured signature - 72 months
11.09
11.09
11.09
11.09
11.09
11.09
11.39▲ 30 bps
Unsecured-installment signature loans
10.49
10.49
10.49
10.49
10.49
10.49
10.49
Privateline overdraft protection
14
14
14
14.25▲ 25 bps
14.25▲ 25 bps
14
14.75▲ 75 bps
Access line of credit
14.74
14.99▲ 25 bps
14.99▲ 25 bps
14.99▲ 25 bps
14.99▲ 25 bps
14.99▲ 25 bps
15.24▲ 50 bps
REDSTONE FEDERAL CREDIT UNION
As of December 5, 2025, REDSTONE’s personal loan rates remain stable across all products with no changes in the past 30 days. The Credit builder loan holds the lowest APR at a steady 1.0%, ideal for members establishing or improving credit. For longer-term borrowing, the Personal unsecured signature loans offer fixed rates of 10.89% for 60 months and 11.09% for 72 months, providing predictable payments without rate fluctuations. The Personal stretch option is available at 17.0% APR, consistent over recent periods. Members should assess their borrowing needs and consider fixed-rate options for budgeting certainty. For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TRUMARK FINANCIAL CREDIT UNION
As of December 5, 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 backed by savings. For unsecured needs, the First credit loan and Term-share secured loan both hold steady at 6.25%, suitable for first-time borrowers or those with collateral in shares. The Unsecured-installment signature loans maintain a moderate rate of 10.49%, while the Better choice program stays at a higher 18.0% APR. Members should compare fixed-rate options aligned with their credit profile and borrowing purpose to ensure cost-effective terms.
TEXAS DOW EMPLOYEES CREDIT UNION
As of December 5, 2025, all personal loan APRs at TEXAS DOW EMPLOYEES remain stable with no changes over the past 30 days. The Certificate of deposit secured loan and Share secured loan offer the lowest rate at 2.00% APR, ideal for members seeking low-cost, secured borrowing options. Unsecured loans such as the Personal loan and Home advantage loan hold steady at 7.14% and 7.24% APR, respectively, suitable for general borrowing or home-related expenses. The Cash $tash line of credit remains at 9.74% APR, providing flexible access to funds. Members should assess fixed-rate products for predictable payments and match product features to their financial goals.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
ADVANCIAL FEDERAL CREDIT UNION
As of December 5, 2025, ADVANCIAL's Savings-secured loan offers the lowest APR at 2.0%, unchanged over the past month, making it a cost-effective option for members able to leverage savings as collateral. Both the Signature loan and the True line of credit maintain steady rates at 9.9% APR with no movement in recent weeks, providing consistent options for unsecured borrowing needs. Members seeking predictable fixed rates might consider the signature loan, while those preferring flexible access may evaluate the line of credit. Review your borrowing goals carefully and compare these products based on rate stability and security features. For more details, visit https://www.advancial.org/rates#:~:text=%2D-,Signature%E2%81%B4,-Rates%20as%20low.
LAFAYETTE FEDERAL CREDIT UNION
As of December 5, 2025, LAFAYETTE credit union’s personal loan rates remain stable across all products, with no changes in APR over the past 30 days. The Certificate secured, Share secured, and Credit builder loans each maintain the lowest APR at 2.0% and 3.0% respectively, offering affordable options for members seeking secured borrowing or credit building. The Signature loan holds a competitive unsecured rate at 8.99% APR, while the Line of credit stands at 9.99% APR, suitable for flexible borrowing needs. Members should review these fixed rates carefully and consider secured loans for lower costs or lines of credit for payment flexibility.
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 December 5, 2025, CHARTER OAK personal loan rates remain steady across all products. The Readi-cash too loan holds at 11.0% APR, unchanged over the past 30 days. The most competitive rate is the Secured personal loan at a low 2.0% APR, consistent for a full month, ideal for members with collateral seeking affordable borrowing. The Unsecured personal loans offer a fixed rate of 7.75% APR, providing a solid option for those without security requirements. Members should compare these rates carefully and consider secured loans if they want the lowest borrowing cost or fixed-rate unsecured options for predictable payments. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
ORNL FEDERAL CREDIT UNION
As of December 5, 2025, ORNL’s personal loan rates remain stable with no changes in the past 30 days. The Personal loan APR holds steady at 9.99%, while the Personal line of credit remains at 11.74%. For secured borrowing, auto, motorcycle & ATV loans offer the lowest APR at 5.89%, and boat & RV loans stand at 8.29%. Notably, share certificate secured and share secured loans provide the lowest overall rate at 2.00%, ideal for members seeking collateralized options with minimal interest costs. Members should assess their borrowing needs carefully and consider fixed-rate or secured products for cost-effective financing solutions.
CRANE CREDIT UNION
As of December 5, 2025, CRANE's personal loan rates remain stable across all products with no changes over the past 30 days. The Loan secured by savings holds the lowest APR at 2.0%, ideal for members seeking low-cost borrowing backed by their savings. Both the Custom fit loans and the Line of credit maintain consistent APRs at 10.25% and 12.0%, respectively, offering predictable options for unsecured borrowing and flexible credit needs. Members should review their financial goals and compare these fixed and variable-rate options to select terms that best fit their repayment plans. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
AFFINITY FEDERAL CREDIT UNION
As of December 5, 2025, AFFINITY’s personal loan rates remain stable with no changes over the past 30 days across all products. The Certificate secured loan offers the lowest APR at 2.0%, ideal for members seeking low-cost, collateral-backed borrowing. The Shared secured loan is also competitively priced at 2.75%. For unsecured borrowing, both the Personal loan and Debt consolidation loan maintain steady APRs at 12.5% and 13.5%, respectively, suitable for members managing existing debt or needing flexible funds. The Student loan consolidation program holds a favorable fixed rate of 4.99%, supporting education-related financial planning. Members should compare these options carefully and consider fixed-rate loans for predictable payments.
Y-12 FEDERAL CREDIT UNION
As of December 5, 2025, Y-12's personal loan rates remain stable across all products. The Access line of credit saw a slight decline from 14.99% to 14.74% APR, improving borrowing costs by 0.25 percentage points (25 bps) over the past month. Both the Signature loan and Ultra loan hold steady at 12.49% and 13.99% APR, respectively, offering predictable fixed-rate options. The most affordable rate is the Share secured - installment loan at a consistent 2.0% APR, ideal for members seeking low-cost, secured financing. Members should compare these offerings based on their credit needs and consider fixed-rate loans for payment certainty. For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
LendMesh
Imagine saying yes to the things you’ve been putting off—without tapping into your savings. That’s the power of a well-chosen personal loan. At LendMesh, we match you with banks and credit unions offering fair terms, fast approvals, and real transparency. Whether it’s home upgrades or a family emergency, we’re here to make borrowing smarter, not harder. Start now at https://www.lendmesh.com/loans/personal_loans and make today’s plans tomorrow’s progress.
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Conclusion
When considering personal loans this season, it’s essential to assess your financial goals carefully. If you’re aiming to consolidate high-interest debt, look closely at unsecured loans with competitive fixed APRs like Lafayette’s 8.99%, which can save you money over time. For emergency expenses or short-term cash flow needs, secured loans at 2.0% APR offer unbeatable affordability, especially when backed by certificates or shares you already hold. Remember that maintaining a good credit score can unlock better terms and lower interest rates in future borrowing, so choose products wisely and borrow only what you need. Keep an eye on evolving rates next week and beyond; small fluctuations can open new doors for savings. Above all, take advantage of these steady and low-rate offers while they last to make your borrowing work harder for you and your family’s financial well-being.