Introduction
As of December 26, 2025, credit union members have some standout personal loan opportunities to consider. Whether you’re looking to build credit, consolidate debt, or secure funding for a major purchase, today’s lowest APRs offer real value and flexibility. Notably, share-secured loans continue to lead with rates as low as 1.8% at Trumark Financial and 2.0% at multiple credit unions, providing a smart, low-cost borrowing option for those with savings or certificates to leverage. For unsecured loans, competitive signature loan rates are available from Lafayette at 8.99% APR, while Charter Oak offers unsecured personal loans at an attractive 7.75% APR. Holiday loans remain steady with Randolph Brooks holding firm at 7.7% APR, perfect for year-end expenses or early holiday planning. If you prefer lines of credit, REDSTONE’s home equity line remains consistent at 7.625%, offering stability for flexible borrowing needs. With no significant rate fluctuations over the past month, today’s stable environment is ideal for members ready to make confident financial moves.
Personal Loans
Credit Union
Product
2025-12-26
(Current Day)
(Current Day)
2025-12-11
(15 Days Ago)
(15 Days Ago)
2025-06-29
(180 Days Ago)
(180 Days Ago)
2025-11-26
(30 Days Ago)
(30 Days Ago)
2025-11-11
(45 Days Ago)
(45 Days Ago)
2025-10-27
(60 Days Ago)
(60 Days Ago)
2025-12-19
(7 Days Ago)
(7 Days Ago)
2025-09-27
(90 Days Ago)
(90 Days Ago)
Home equity line of credit - classic
7.625
7.625
8.125▲ 50 bps
7.625
7.625
7.875▲ 25 bps
7.625
8.125▲ 50 bps
Personal line of credit/overdraft
12.27
12.27
12.64▲ 37 bps
12.28▲ 1 bps
12.28▲ 1 bps
12.29▲ 2 bps
12.27
12.51▲ 24 bps
Personal unsecured signature - 60 months
10.89
10.89
11.39▲ 50 bps
10.89
10.89
10.89
10.89
11.19▲ 30 bps
Personal unsecured signature - 72 months
11.09
11.09
11.59▲ 50 bps
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
Home advantage loan
7.24
7.24
8.99▲ 175 bps
7.24
7.24
7.24
7.24
7.74▲ 50 bps
Signature loan
10
12.15▲ 215 bps
12.15▲ 215 bps
12.15▲ 215 bps
12.15▲ 215 bps
10
Privateline overdraft protection
13.75
14▲ 25 bps
14▲ 25 bps
14▲ 25 bps
14.25▲ 50 bps
13.75
14.25▲ 50 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
REDSTONE FEDERAL CREDIT UNION
As of December 26, 2025, REDSTONE's personal loan rates remain stable with no changes in APRs over the past 30 days. The lowest APR is 1.0% on the Credit builder loan, ideal for members establishing or improving credit. For secured borrowing, the Share secured loan offers a competitive 3.0% APR, while unsecured signature loans range from 10.89% (60 months) to 11.09% (72 months). The Home equity line of credit holds steady at 7.625%, and the Personal line of credit/overdraft remains around 12.27%. Members should compare fixed-rate and flexible options carefully based on their borrowing needs and risk tolerance. For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TRUMARK FINANCIAL CREDIT UNION
As of December 26, 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 their shares. For first-time borrowers, the First credit loan maintains a competitive 6.25% APR. Unsecured installment loans carry a higher but fixed rate of 10.49% APR, suitable for those without collateral. Members considering flexible borrowing should review fixed-rate options like the Term-share secured loan at 6.25% APR for payment certainty. Compare products carefully to align rates with your financial goals. 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 December 26, 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 steady 2.0%, ideal for members seeking low-cost, secured borrowing. Unsecured options like the Personal loan and Home advantage loan maintain competitive fixed rates at 7.14% and 7.24%, respectively, suitable for general borrowing needs or home-related expenses. The Cash $tash line of credit holds steady at 9.74%, providing flexible revolving credit. Members should assess their borrowing goals and consider fixed-rate products to ensure predictable payments.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured,
LAFAYETTE FEDERAL CREDIT UNION
As of December 26, 2025, all LAFAYETTE personal loan rates remain stable with no changes over the past 30 days. The lowest APRs are on Certificate secured, Share secured loans at 2.0%, ideal for members seeking low-cost, collateral-backed borrowing. The Credit builder loan holds steady at 3.0%, supporting members aiming to establish or improve credit. Among unsecured options, the Signature loan offers a competitive fixed APR of 8.99%, while the Line of credit remains at 9.99%, providing flexible access to funds. Members should compare these fixed and variable options carefully to align borrowing costs with their financial goals.
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 26, 2025, CHARTER OAK’s personal loan rates remain steady across all products with no changes in APR over the past 30 days. The Secured personal loan offers the lowest rate at 2.0% APR, ideal for members who can provide collateral and seek the most affordable borrowing cost. For unsecured options, both Unsecured personal loans at 7.75% APR and the Readi-cash too product at 11.0% APR maintain consistent pricing, suitable for members needing flexible, unsecured credit. Members should review their borrowing needs and consider fixed-rate products for payment stability.
For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
ORNL FEDERAL CREDIT UNION
As of December 26, 2025, ORNL’s personal loan rates remain stable with no changes across all products over the past 30 days. The lowest APR is offered by both Share certificate secured and Share secured loans at 2.00%, ideal for members seeking low-cost borrowing backed by savings. For unsecured options, the Personal loan holds steady at 9.99% APR, suitable for general borrowing needs, while the Personal line of credit remains at 11.74% APR, offering flexibility for ongoing expenses. Secured loans for vehicles and recreational assets range from 5.89% to 8.29% APR, providing competitive rates based on collateral type. Members should compare fixed and variable rates carefully to match their financial goals and repayment ability.
CRANE CREDIT UNION
As of December 26, 2025, CRANE’s personal loan rates remain stable across all products with no changes in the past 30 days. The Loan secured by savings offers the lowest APR at 2.0%, ideal for members seeking low-cost borrowing backed by savings. The Custom fit loans carry a competitive 10.25% APR, suitable for general unsecured borrowing needs, while the Line of credit stands at 12.0% APR, providing flexible access to funds. Members should assess their borrowing goals and consider secured options for lower rates or fixed-rate loans for predictable payments. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of December 26, 2025, RANDOLPH BROOKS personal loan rates remain stable across most products. The Signature loan APR decreased notably from 12.15% to 10.0% over the past 15 days, improving affordability for unsecured borrowing. Secured options like the Certificate secured and Share secured loans maintain the lowest APR at 2.0%, ideal for members seeking low-cost borrowing using collateral. The Holiday loan and Line of credit rates held steady at 7.7% and 11.7% respectively, providing predictable terms for seasonal or flexible credit needs. Members should compare these options based on their security preferences and consider fixed-rate loans to manage payment certainty effectively. For more details, visit https://www.rbfcu.org/loans/personal-loans.
AFFINITY FEDERAL CREDIT UNION
As of December 26, 2025, AFFINITY personal loan rates remain stable with no changes over the past 30 days. The Certificate secured loan offers the lowest APR at a consistent 2.0%, ideal for members seeking low-risk, secured borrowing. The Shared secured loan is also competitively priced at 2.75% APR. Among unsecured options, the Personal loan and Debt consolidation loan hold steady at 12.5% and 13.5% APR, respectively, suitable for members prioritizing fixed rates and debt management. Note the slight improvement in the Privateline overdraft protection, which decreased from 14.0% to 13.75% APR in the last two weeks. Members should compare these products based on their credit needs and consider fixed-rate loans for predictable payments.
Y-12 FEDERAL CREDIT UNION
As of December 26, 2025, Y-12’s Access line of credit APR remains steady at 14.74%, down slightly by 0.25 percentage points (25 bps) from 30 days ago, offering a modest improvement for flexible borrowing needs. The Share secured - installment loan continues to provide the lowest rate at 2.0% APR, ideal for members seeking secured, low-cost financing. Both the Signature loan and Ultra loan rates hold firm at 12.49% and 13.99% APR, respectively, offering stable options for unsecured borrowing. Members should assess product features and consider fixed-rate loans for payment predictability. For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
LendMesh
Everyone has a story—maybe yours includes a few financial bumps along the way. That’s okay. At LendMesh, we believe you deserve access to personal loans that are fair, fast, and built around your goals. With lenders who understand real life, you’ll find more than a rate—you’ll find support. Explore your options now at https://www.lendmesh.com/loans/personal_loans .
Conclusion
As you evaluate your personal loan options this week, remember that choosing the right loan type can save you hundreds in interest and fees. If you have collateral like savings or certificates, a share-secured loan with rates near 2% could be your best path forward, especially for debt consolidation or emergency funds. For those without collateral, focus on credit unions offering competitive signature or unsecured loan rates below 9%. Keep in mind that stable rates mean now is a great time to lock in financing before any seasonal shifts occur in the new year. Don’t forget to review loan terms carefully and consider your repayment ability; the lowest APR only benefits you if the overall terms fit your budget and goals. Bookmark this newsletter and revisit next week to stay ahead of any changes, your best financial decisions come from staying informed and acting strategically!