Introduction
As we wrap up the week of December 19, 2025, credit union members have several standout opportunities to secure some of the best personal loan rates available. If you’re looking for ultra-low secured loan APRs, TRUMARK FINANCIAL leads with an unbeatable 1.8% share-secured loan rate, matched closely by Lafayette, Charter Oak, and Vermont offering certificate or share-secured loans at just 2.0%. For those eyeing unsecured options, Charter Oak’s 7.75% unsecured personal loan and Vermont’s 7.5% personal loan (0-12 months) remain strong contenders with stable rates over the past month. Families planning ahead for holidays or special expenses can consider Randolph Brooks’ consistent 7.7% holiday loan, while Affinity’s 4.99% student loan consolidation program offers a thoughtful solution for education-related debt. Notably, most credit unions maintained steady rates in all categories over the last 30 days, providing predictability in your borrowing choices. Whether consolidating debt or managing emergency cash flow, today’s rates present excellent chances to find competitive financing tailored to your needs.
Personal Loans
Credit Union
Product
2025-12-19
(Current Day)
(Current Day)
2025-12-04
(15 Days Ago)
(15 Days Ago)
2025-11-19
(30 Days Ago)
(30 Days Ago)
2025-11-04
(45 Days Ago)
(45 Days Ago)
2025-10-20
(60 Days Ago)
(60 Days Ago)
2025-12-12
(7 Days Ago)
(7 Days Ago)
2025-09-20
(90 Days Ago)
(90 Days Ago)
Unsecured-installment signature loans
10.49
10.49
10.49
10.49
10.49
10.49
10.49
Signature loan
10
12.15▲ 215 bps
12.15▲ 215 bps
12.15▲ 215 bps
12.15▲ 215 bps
12.15▲ 215 bps
Privateline overdraft protection
13.75
14▲ 25 bps
14▲ 25 bps
14▲ 25 bps
14.25▲ 50 bps
14▲ 25 bps
14.75▲ 100 bps
Access line of credit
14.74
14.74
14.99▲ 25 bps
14.99▲ 25 bps
14.99▲ 25 bps
14.74
15.24▲ 50 bps
TRUMARK FINANCIAL CREDIT UNION
As of December 19, 2025, TRUMARK FINANCIAL’s personal loan APRs remain stable with no changes over the past 30 days. The Share-secured loan offers the lowest rate at 1.8% APR, ideal for members seeking low-cost borrowing secured by shares. For unsecured options, the Unsecured-installment signature loans carry an APR of 10.49%, while the Better choice loan stands at 18.0% APR, reflecting higher unsecured borrowing costs. The First credit loan and Term-share secured loan both maintain a steady 6.25% APR, suitable for first-time or secured borrowers. Members should compare these fixed rates carefully to align with their financial needs and risk tolerance.
LAFAYETTE FEDERAL CREDIT UNION
As of December 19, 2025, LAFAYETTE credit union’s personal loan rates remain stable with no changes in the past 30 days. The Certificate secured, Credit builder, and Share secured loans hold the lowest APR at 2.0%, ideal for members seeking low-risk borrowing options. The Signature loan offers a competitive unsecured rate of 8.99%, suitable for members needing flexible, fixed-rate financing. The Line of credit stands at 9.99% APR, providing revolving access but at a higher cost than fixed loans. Members should evaluate their borrowing needs carefully and consider fixed-rate products 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 December 19, 2025, CHARTER OAK personal loan rates remain stable across all products. The Readi-cash too loan holds steady at 11.0% APR, unchanged over the past 30 days. The Secured personal loan offers the lowest rate at 2.0% APR, consistent for a month, ideal for members seeking low-cost borrowing with collateral. Meanwhile, Unsecured personal loans remain at 7.75% APR, providing a competitive option for those without collateral requirements. Members should review these fixed rates and consider secured options for lower costs or unsecured loans for flexibility based on their financial needs. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
CRANE CREDIT UNION
As of December 19, 2025, CRANE's personal loan rates remain stable with no changes over the past 30 days. The Custom Fit Loans carry 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 competitive option is the Loan Secured by Savings, with the lowest APR at 2.0%, ideal for members prioritizing low-cost, secured borrowing. Review your financial goals carefully and consider comparing these products 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 December 19, 2025, LIBERTY’s personal loan rates remain stable with no changes in APRs over the past 30 days. The Certificate pledge offers the lowest rate at 2.0% APR, ideal for members seeking secured borrowing with minimal cost. The Share pledge follows closely at 2.05% APR, also providing a low-cost secured option. For unsecured borrowing, the standard Personal loan holds steady at 9.59% APR, suitable for general purposes, while the Home improvement loan remains at 10.39% APR. Members considering flexible access can note the unchanged Line of credit / overdraft protection rate of 11.5% APR. Compare these options carefully based on your financial goals and consider fixed-rate products for predictable payments.
For more details, visit https://www.libertyfcu.org/loan-rates#personal.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of December 19, 2025, RANDOLPH BROOKS personal loan rates remain stable across most products. The Signature loan APR decreased significantly from 12.15% to 10.0%, a reduction of 2.15 percentage points (215 bps) over the past month, offering notable savings for members seeking unsecured borrowing. Both Certificate secured and Share secured loans hold the lowest APR at 2.0%, consistent over 30 days, ideal for members leveraging collateral. The Holiday loan and Line of credit rates remain steady at 7.7% and 11.7%, respectively, providing predictable options for seasonal or flexible credit needs. Members should evaluate fixed-rate versus variable terms to align with their financial goals.
For more details, visit https://www.rbfcu.org/loans/personal-loans.
AFFINITY FEDERAL CREDIT UNION
As of December 19, 2025, AFFINITY personal loan rates remain stable across all products. Notably, the Privateline overdraft protection rate decreased slightly from 14.0% to 13.75% APR, reflecting a modest improvement in borrowing cost over the past week. The lowest secured loan rate continues to be the Certificate secured loan at 2.0% APR, ideal for members seeking low-cost, collateral-backed financing. For unsecured borrowing, the Personal loan at 12.5% APR and the Debt consolidation loan at 13.5% APR offer consistent terms for those managing multiple debts or unexpected expenses. Members should review these fixed-rate options to align with their financial goals and risk tolerance.
Y-12 FEDERAL CREDIT UNION
As of December 19, 2025, Y-12’s Access line of credit APR decreased slightly from 14.99% to 14.74%, a reduction of 0.25 percentage points (25 bps) over the past month, offering modest savings for members seeking flexible borrowing. The Share secured - installment loan maintains the lowest rate at 2.0% APR, ideal for members preferring low-risk, secured options. Both the Signature loan and Ultra loan rates remain steady at 12.49% and 13.99% respectively, providing predictable fixed rates for personal financing needs. Members should compare these options based on their credit profile and borrowing goals; consider fixed-rate loans for payment stability.
For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
GLOBAL FEDERAL CREDIT UNION
As of December 19, 2025, GLOBAL's personal loan rates remain stable with no changes in APR across all products over the past 30 days. The Signature (unsecured) loan holds an APR of 14.9%, suitable for members seeking unsecured borrowing options. For those prioritizing low-cost secured loans, the Pledge of certificates loan offers the lowest APR at 2.0%, closely followed by the Pledge of shares loan at 2.1%. The Miscellaneous item and equipment loan maintains a fixed APR of 7.5%, while the flexible Credit line stands at 13.5% APR. Members should compare product terms to align borrowing choices with their financial goals and consider fixed-rate options for payment predictability. For more details, visit https://www.globalcu.org/rates/personal-loan-rates/.
VERMONT FEDERAL CREDIT UNION
As of December 19, 2025, VERMONT credit union’s personal loan rates remain stable with no changes in APRs over the past 30 days. The lowest rate is 2.0% for the Share/certificate secured variable-rate loan, ideal for members seeking low-cost borrowing backed by savings. Unsecured options include the Credit builder loan at 6.0% APR, suitable for first-time borrowers aiming to build credit, and the Personal loan (0-12 month term) at 7.5% APR, offering fixed terms with moderate rates. Notably, the Signature line of credit decreased by 0.75 percentage points from 16.5% to 15.75% APR in the last two weeks, improving flexibility for revolving credit users. Members should compare products based on term length and security preferences; consider fixed-rate loans for predictable payments.
LendMesh
Tired of juggling too many payments or chasing vague loan offers? LendMesh simplifies your search for the right personal loan—bringing transparency, comparison, and expert insight into one place. From improving cash flow to planning a fresh start, you’ll find tools and lenders ready to help. Visit https://www.lendmesh.com/loans/personal_loans and see what clarity looks like.
Conclusion
When it comes to personal loans, timing and terms matter as much as rates. If you’re consolidating debt or preparing for unexpected expenses, consider locking in a secured loan with rates near 2% to minimize interest costs while protecting your credit profile. For shorter-term needs, unsecured loans under 8% from Charter Oak or Vermont offer affordable flexibility without collateral requirements. Always review your credit union’s specific terms carefully, loan duration and repayment structure can impact your total cost significantly. Keep an eye on signature loan rates like Randolph Brooks’ recent drop from 12.15% to 10%, signaling potential savings if you act quickly. Remember, checking your options regularly is key: even small rate shifts can save hundreds over time. As you plan for 2026’s financial goals, make use of these trusted credit union offers and stay proactive by revisiting rates next week to catch any new opportunities!