Introduction
As of December 12, 2025, credit union members looking for personal loans have plenty of promising options to consider. Whether you’re aiming to build credit, consolidate debt, or manage a major life expense, today’s rates offer competitive opportunities across the board. The standout lowest APR is an impressively low 1.0% on Redstone’s Credit Builder loan, ideal for those starting their credit journey. For secured borrowing, several credit unions like Affinity and Lafayette offer certificate and share-secured loans at just 2.0% APR, making them excellent choices for safe, lower-cost financing. Signature loans remain attractive with Lafayette leading at 8.99% APR, while unsecured signature loans from Redstone and Trumark Financial hover around 10.5% to 11%. Notably, there have been no rate changes in the past month, providing stability and predictability for borrowers planning ahead. If you’re seeking flexible borrowing options, Redstone’s personal line of credit is steady at about 12.27%, while Trumark Financial offers a very low 1.8% share-secured loan that could be perfect for leveraging your savings. Overall, December brings strong offers across both secured and unsecured loans, empowering members to find tailored solutions with confidence.
Personal Loans
Credit Union
Product
2025-12-12
(Current Day)
(Current Day)
2025-11-27
(15 Days Ago)
(15 Days Ago)
2025-11-12
(30 Days Ago)
(30 Days Ago)
2025-10-28
(45 Days Ago)
(45 Days Ago)
2025-10-13
(60 Days Ago)
(60 Days Ago)
2025-12-05
(7 Days Ago)
(7 Days Ago)
2025-09-13
(90 Days Ago)
(90 Days Ago)
Home equity line of credit - classic
7.625
7.625
7.625
7.875▲ 25 bps
7.875▲ 25 bps
8.125▲ 50 bps
Personal line of credit/overdraft
12.27
12.28▲ 1 bps
12.28▲ 1 bps
12.29▲ 2 bps
12.29▲ 2 bps
12.51▲ 24 bps
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
14.74
15.24▲ 50 bps
REDSTONE FEDERAL CREDIT UNION
As of December 12, 2025, REDSTONE's personal loan rates remain stable with no changes in APR across all products over the past 30 days. The lowest APR is 1.0% on the Credit Builder loan, ideal for members establishing or rebuilding credit. For secured borrowing, the Share Secured loan offers a competitive 3.0% APR, while the Home Equity Line of Credit Classic stands at 7.625% APR. Unsecured signature loans provide fixed rates at 10.89% (60 months) and 11.09% (72 months), suitable for longer-term financing needs. Members should compare these options carefully and consider fixed-rate loans if payment predictability is a priority.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal,
TRUMARK FINANCIAL CREDIT UNION
As of December 12, 2025, TRUMARK FINANCIAL’s personal loan rates remain stable across all products with no changes in the past 30 days. The Share-secured loan offers the lowest APR at 1.8%, ideal for members seeking low-cost, secured borrowing. For unsecured needs, the Unsecured-installment signature loans carry an APR of 10.49%, while the Better choice program holds steady at 18.0%. Members new to credit may consider the First credit loan and Term-share secured loan, both fixed at 6.25%. Review your borrowing goals carefully and consider fixed-rate options for predictable payments.
ADVANCIAL FEDERAL CREDIT UNION
As of December 12, 2025, ADVANCIAL’s personal loan rates remain stable across all products. The Savings-secured loan holds the lowest APR at a consistent 2.0%, unchanged over the past 30 days, offering an attractive option for members seeking low-cost borrowing with collateral. Both the Signature loan and True line of credit maintain steady unsecured rates at 9.9% APR, suitable for those needing flexible funds without security. Members should review their borrowing needs carefully and consider the fixed-rate Savings-secured loan for predictable payments or unsecured options if flexibility is a priority. 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 12, 2025, LAFAYETTE's personal loan rates remain stable across all products with no changes in the past 30 days. The lowest APRs are available on the Certificate secured, Share secured loans at 2.0%, ideal for members with collateral seeking low-cost borrowing. The Credit builder loan holds steady at 3.0% APR, supporting members building credit history. For unsecured options, the Signature loan offers a consistent rate of 8.99% APR, while the Line of credit remains at 9.99% APR, suitable for flexible borrowing needs. Members should compare these fixed-rate options based on their financial goals and collateral availability. 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 12, 2025, CHARTER OAK personal loan rates remain stable with no changes in the past 30 days. The Secured personal loan offers the lowest APR at 2.0%, ideal for members seeking low-cost borrowing secured by collateral. For unsecured borrowing, the Unsecured personal loans maintain a competitive APR of 7.75%, suitable for those needing flexible, signature-based credit. The Readi-cash too product holds steady at 11.0% APR, consistent for short-term access. Members should compare these fixed-rate options to align with their financial goals and risk tolerance.
For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
ORNL FEDERAL CREDIT UNION
As of December 12, 2025, ORNL’s personal loan rates remain steady across all products with no changes in the past 30 days. Signature personal loans hold an APR of 9.99%, providing a consistent unsecured borrowing option. The personal line of credit maintains an APR of 11.74%, suitable for flexible borrowing needs. Among secured loans, auto, motorcycle, and ATV financing offers the lowest rate at 5.89%, while boat and RV loans are priced at 8.29%. The most competitive rates are on share certificate and share secured loans at 2.0% APR, ideal for members leveraging collateral to minimize interest costs. Members should compare these options carefully and consider fixed-rate products for predictable payments.
CRANE CREDIT UNION
As of December 12, 2025, CRANE’s personal loan rates remain steady across all products. The Custom Fit Loans and Line of Credit maintain APRs at 10.25% and 12.0%, respectively, with no changes over the past month. Members seeking the lowest borrowing cost will find the Loan Secured by Savings most attractive, offering the lowest APR at 2.0%, unchanged for 30 days. Those prioritizing payment certainty should consider fixed-rate options like Custom Fit Loans, while members needing flexible access may evaluate the Line of Credit. Comparing these products based on your borrowing purpose can help optimize financial planning. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
AFFINITY FEDERAL CREDIT UNION
As of December 12, 2025, AFFINITY personal loan rates remain stable across all products with no changes in the past 30 days. The Certificate secured loan offers the lowest APR at 2.0%, followed by the Shared secured loan at 2.75%, making these options attractive for members seeking low-cost borrowing secured by collateral. Unsecured options like the Personal loan and Debt consolidation loan hold steady at 12.5% and 13.5% APR, respectively, suitable for members aiming to manage or consolidate debt without collateral. The Student loan consolidation program continues at a competitive 4.99% APR. Members should compare product terms carefully and consider fixed-rate loans if payment predictability is important.
Y-12 FEDERAL CREDIT UNION
As of December 12, 2025, Y-12’s personal loan rates remain stable across all products. The Access line of credit holds at 14.74% APR, a slight improvement from 14.99% thirty days ago, reflecting a decrease of 0.25 percentage points (25 bps). The Share secured installment loan offers the lowest rate at 2.0% APR, unchanged over the past month, making it ideal for members seeking low-cost, collateral-backed borrowing. Both the Signature loan (12.49%) and Ultra loan (13.99%) maintain steady rates with no recent changes. Members should compare these fixed-rate options carefully to match borrowing needs with cost stability. For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
GLOBAL FEDERAL CREDIT UNION
As of December 12, 2025, GLOBAL credit union's personal loan rates remain stable across all products with no changes over the past 30 days. The lowest APR is 2.0% for the Pledge of certificates (secured) loan, closely followed by the Pledge of shares (secured) loan at 2.1%. Members seeking affordable borrowing through secured loans will find these options particularly attractive. For unsecured borrowing, the Signature loan holds a steady 14.9% APR, while the Credit line remains at 13.5% APR. Consider comparing these fixed-rate options based on your collateral availability and borrowing needs for predictable payments.
For more details, visit https://www.globalcu.org/rates/personal-loan-rates/.
LendMesh
You don’t need to wait until ‘someday’ to take care of what matters. Whether it’s replacing a water heater, catching up on bills, or consolidating debt, a personal loan from LendMesh’s network of lenders could be just what you need. We simplify the process so you can focus on your goals, not the paperwork. Start comparing offers today at https://www.lendmesh.com/loans/personal_loans and make progress feel possible again.
Conclusion
When considering your next personal loan, whether it’s for debt consolidation or unexpected expenses, focus on securing the lowest APR possible, especially through share- or certificate-secured loans that can save you substantial interest over time. Remember to review your credit union’s full range of products; sometimes a secured loan can unlock better terms than traditional signature loans. If you’re consolidating debt, prioritize lenders like Lafayette and Affinity offering sub-9% signature loan rates or explore Trumark Financial’s ultra-low share-secured options near 1.8%. For emergencies or big purchases, maintaining flexibility with a personal line of credit might be wise given stable rates across most programs. Lastly, keep an eye on these rates weekly, while they’ve held steady this month, small shifts can create new opportunities to refinance or apply for better deals. Your financial health deserves regular check-ins and smart borrowing decisions. Stay informed, compare carefully, and don’t hesitate to reach out to your credit union for personalized guidance tailored to your goals.