Introduction
As we step into the new year on January 2, 2026, credit unions continue to offer some of the most competitive personal loan rates available today. For members looking to build credit, Redstone’s Credit Builder loan stands out with a super-low 1.0% APR, holding steady over the past month. If you’re seeking secured loans, multiple credit unions like Charter Oak and Texas Dow Employees offer excellent rates as low as 2.0% APR on share or certificate-secured loans, providing a safe and affordable borrowing option. On the unsecured front, TRUMARK Financial’s signature loans at 10.49% APR and Redstone’s 60-month unsecured loan at 10.89% APR remain consistent, giving borrowers reliable options for moderate terms. Notably, Affinity’s student loan consolidation program maintains a very attractive rate at 4.99% APR, perfect for those aiming to refinance education debt efficiently. Whether you’re managing debt consolidation, planning for an emergency, or financing big life events, today’s data highlights a range of opportunities designed to fit diverse financial needs with stability and value.
Personal Loans
| Lender | Product | 2026-01-02 Current | 2025-12-18 15 Days Ago | 2025-07-06 180 Days Ago | 2025-12-03 30 Days Ago | 2025-11-18 45 Days Ago | 2025-11-03 60 Days Ago | 2025-12-26 7 Days Ago | 2025-10-04 90 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| REDSTONE FEDERAL CREDIT UNIONLOWEST | Credit builder | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% |
| TRUMARK FINANCIAL CREDIT UNION | Share-secured loan | 1.8% | 1.8% | N/A | 1.8% | 1.8% | 1.8% | 1.8% | 1.8% |
| CHARTER OAK FEDERAL CREDIT UNION | Secured personal loan | 2% | 2% | N/A | 2% | 2% | 2% | 2% | N/A |
| TEXAS DOW EMPLOYEES CREDIT UNION | Certificate of deposit secured loan | 2% | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Share secured loan | 2% | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| LAFAYETTE FEDERAL CREDIT UNION | Certificate secured | 2% | 2% | N/A | 2% | 2% | 2% | 2% | N/A |
| LAFAYETTE FEDERAL CREDIT UNION | Share secured | 2% | 2% | N/A | 2% | 2% | 2% | 2% | N/A |
| ORNL FEDERAL CREDIT UNION | Share certificate secured | 2% | N/A | 2% | N/A | 2% | 2% | 2% | 2% |
| ORNL FEDERAL CREDIT UNION | Share secured | 2% | N/A | 2% | N/A | 2% | 2% | 2% | 2% |
| CRANE CREDIT UNION | Loan secured by savings | 2% | 2% | N/A | 2% | 2% | 2% | 2% | N/A |
| NECHES FEDERAL CREDIT UNION | Cd and share secured loan | 2% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| AFFINITY FEDERAL CREDIT UNION | Certificate secured loan | 2% | 2% | N/A | 2% | 2% | 2% | 2% | 2% |
| Y-12 FEDERAL CREDIT UNION | Share secured - installment loan | 2% | 2% | N/A | 2% | 2% | 2% | 2% | 2% |
| AFFINITY FEDERAL CREDIT UNION | Shared secured loan | 2.75% | 2.75% | N/A | 2.75% | 2.75% | 2.75% | 2.75% | 2.75% |
| REDSTONE FEDERAL CREDIT UNION | Share secured | 3% | N/A | 3% | N/A | N/A | 3% | 3% | 3% |
| LAFAYETTE FEDERAL CREDIT UNION | Credit builder | 3% | 3% | N/A | 3% | 3% | 3% | 3% | N/A |
| AFFINITY FEDERAL CREDIT UNION | Student loan consolidation program | 4.99% | 4.99% | N/A | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% |
| ORNL FEDERAL CREDIT UNION | Secured loans (auto, motorcycle & atv) | 5.89% | 5.89% | 5.99% | 5.89% | 5.89% | 5.89% | 5.89% | 5.89% |
| TRUMARK FINANCIAL CREDIT UNION | First credit loan | 6.25% | 6.25% | N/A | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% |
| TRUMARK FINANCIAL CREDIT UNION | Term-share secured loan | 6.25% | 6.25% | N/A | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Personal loan | 7.14% | 7.14% | 7.74% | 7.14% | 7.14% | 7.14% | 7.14% | 7.74% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Home advantage loan | 7.24% | 7.24% | 8.99% | 7.24% | 7.24% | 7.24% | 7.24% | 7.74% |
| REDSTONE FEDERAL CREDIT UNION | Home equity line of credit - classic | 7.375% | N/A | 8.125% | N/A | N/A | 7.625% | 7.625% | 7.875% |
| CHARTER OAK FEDERAL CREDIT UNION | Unsecured personal loans | 7.75% | 7.75% | N/A | 7.75% | 7.75% | 7.75% | 7.75% | N/A |
| ORNL FEDERAL CREDIT UNION | Secured loans (boat & rv) | 8.29% | 8.29% | 8.29% | 8.29% | 8.29% | 8.29% | 8.29% | 8.29% |
| TRUMARK FINANCIAL CREDIT UNION | Stock loans to 75% of value | 8.49% | 8.49% | N/A | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% |
| LAFAYETTE FEDERAL CREDIT UNION | Signature | 8.99% | 8.99% | N/A | 8.99% | 8.99% | 8.99% | 8.99% | N/A |
| TEXAS DOW EMPLOYEES CREDIT UNION | Cash $tash line of credit | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Personal line of credit | 9.74% | N/A | N/A | 9.74% | N/A | N/A | N/A | N/A |
| LAFAYETTE FEDERAL CREDIT UNION | Line of credit | 9.99% | 9.99% | N/A | 9.99% | 9.99% | 9.99% | 9.99% | N/A |
| ORNL FEDERAL CREDIT UNION | Personal | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% |
| CRANE CREDIT UNION | Custom fit loans | 10.25% | 10.25% | N/A | 10.25% | 10.25% | 10.25% | 10.25% | N/A |
| NECHES FEDERAL CREDIT UNION | Signature loan | 10.25% | 10.25% | N/A | 10.25% | 10.25% | 10.25% | 10.25% | N/A |
| TRUMARK FINANCIAL CREDIT UNION | Unsecured-installment signature loans | 10.49% | 10.49% | N/A | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 60 months | 10.89% | 10.89% | 11.29% | 10.89% | 10.89% | 10.89% | 10.89% | 10.89% |
| ORNL FEDERAL CREDIT UNION | Personal line of credit | 10.99%▼ 75 bps | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 72 months | 11.09% | 11.09% | 11.49% | 11.09% | 11.09% | 11.09% | 11.09% | 11.09% |
| CRANE CREDIT UNION | Line of credit | 12% | 12% | N/A | 12% | 12% | 12% | 12% | N/A |
| REDSTONE FEDERAL CREDIT UNION | Personal line of credit/overdraft | 12.25% | N/A | 12.78% | N/A | N/A | 12.28% | 12.27% | 12.29% |
| Y-12 FEDERAL CREDIT UNION | Signature loan | 12.49% | 12.49% | N/A | 12.49% | 12.49% | 12.49% | 12.49% | 12.49% |
| NECHES FEDERAL CREDIT UNION | Line of credit | 12.5% | 12.5% | N/A | 12.5% | 12.5% | 12.5% | 12.5% | N/A |
| AFFINITY FEDERAL CREDIT UNION | Personal loan | 12.5% | 12.5% | N/A | 12.5% | 12.5% | 12.5% | 12.5% | 12.5% |
| AFFINITY FEDERAL CREDIT UNION | Debt consolidation loan | 13.5% | 13.5% | N/A | 13.5% | 13.5% | 13.5% | 13.5% | 13.5% |
| AFFINITY FEDERAL CREDIT UNION | Privateline overdraft protection | 13.75% | 13.75% | N/A | 14% | 14% | 14.25% | 13.75% | 14.25% |
| Y-12 FEDERAL CREDIT UNION | Ultra loan | 13.99% | 13.99% | N/A | 13.99% | 13.99% | 13.99% | 13.99% | 13.99% |
| Y-12 FEDERAL CREDIT UNION | Access line of credit | 14.49%▼ 25 bps | 14.74% | N/A | 14.74% | 14.99% | 14.99% | 14.74% | 14.99% |
| REDSTONE FEDERAL CREDIT UNION | Personal stretch* | 17% | 17% | N/A | 17% | 17% | 17% | 17% | 17% |
| TRUMARK FINANCIAL CREDIT UNION | Better choice | 18% | 18% | N/A | 18% | 18% | 18% | 18% | 18% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
REDSTONE FEDERAL CREDIT UNION
As of January 2, 2026, REDSTONE's personal loan rates remain largely stable. The Credit builder loan holds steady at an exceptionally low 1.0% APR, ideal for members establishing or improving credit. The Share secured loan also maintains a competitive rate at 3.0% APR, offering a low-cost borrowing option secured by savings. Among unsecured options, the Personal unsecured signature - 60 months remains at 10.89% APR, with the 72-month term slightly higher at 11.09% APR, both unchanged recently. The Home equity line of credit - classic shows a modest decline from 7.625% to 7.375% APR, reflecting improved borrowing conditions for home equity access. Meanwhile, the Personal line of credit/overdraft is nearly flat at 12.25% APR. Members seeking predictable payments might consider fixed-rate signature loans; those prioritizing low rates and credit building should note the stable, minimal APRs on secured and credit builder products. For detailed comparisons, review current terms carefully to match your financial goals.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TRUMARK FINANCIAL CREDIT UNION
As of January 2, 2026, TRUMARK FINANCIAL’s personal loan rates remain stable 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 borrowing backed by savings. For unsecured options, the Unsecured-installment signature loans carry an APR of 10.49%, while the First credit loan provides a competitive rate of 6.25% suitable for first-time borrowers. Members looking to leverage investments can consider the Stock loans to 75% of value at 8.49%. Review your borrowing goals carefully and compare these fixed-rate options for payment certainty.
CHARTER OAK FEDERAL CREDIT UNION
As of January 2, 2026, CHARTER OAK’s personal loan rates remain stable with no changes over the past 30 days. The Secured Personal Loan holds the lowest APR at 2.0%, offering a cost-effective option for members with collateral. Meanwhile, Unsecured Personal Loans maintain an APR of 7.75%, suitable for members seeking flexible borrowing without asset requirements. Members aiming to minimize borrowing costs might consider secured loans for lower rates, while unsecured loans provide convenience without collateral. It is advisable to compare products based on your financial situation and consider fixed-rate loans if you prefer predictable payments. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
TEXAS DOW EMPLOYEES CREDIT UNION
As of January 2, 2026, 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 rates at a consistent 2.0% APR, ideal for members seeking secured borrowing with minimal cost. Unsecured options like the Personal Loan and Home Advantage Loan maintain competitive fixed rates of 7.14% and 7.24% APR, respectively. The Cash $tash Line of Credit and Personal Line of Credit both hold steady at 9.74% APR, suitable for flexible borrowing needs. Members should review these fixed-rate options carefully to align with their financial goals. For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of January 2, 2026, LAFAYETTE's personal loan APRs remain stable with no changes over the past 30 days. The lowest APRs are found in 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%, suitable for first-time borrowers aiming to establish credit. Among unsecured options, the Signature loan offers a competitive fixed rate of 8.99%, while the Line of credit remains at 9.99%, providing flexible access to funds. Members should compare these products based on their security preferences and borrowing needs; fixed-rate loans can offer payment certainty.
For more details, visit https://www.lfcu.org/rates/personal-credit-cards-loans-rates/#rates-table-personal-loans.
ORNL FEDERAL CREDIT UNION
As of January 2, 2026, ORNL's personal loan rates remain stable with no changes over the past 30 days. The Personal Loan holds steady at 9.99% APR, while the Personal Line of Credit has decreased from 11.74% to 10.99% APR, improving borrowing costs by 0.75 percentage points (75 bps) in the last month. The lowest unsecured rate is the fixed-rate Personal Loan at 9.99%, suitable for members seeking predictable payments. For secured loans, auto, motorcycle & ATV loans offer the lowest rate at 5.89% APR, ideal for vehicle financing. Members should compare these options based on their credit needs and consider fixed rates for payment certainty. For more details, visit https://ornlfcu.com/personal/rates#personal-loans:~:text=below%20for%20details-,Other%20Loans,-NAME
CRANE CREDIT UNION
As of January 2, 2026, CRANE’s personal loan rates remain stable with no changes over 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 consistent APR of 10.25%, providing fixed-rate options suitable for general unsecured borrowing needs. The Line of credit remains steady at 12.0% APR, offering flexible access to funds but at a higher cost than fixed loans. Members should compare these products based on their borrowing purpose and consider fixed-rate options for predictable payments. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
NECHES FEDERAL CREDIT UNION
As of January 2, 2026, NECHES credit union maintains stable personal loan rates with no changes over the past 30 days. The Cd and share secured loan offers the lowest APR at 2.0%, ideal for members seeking low-cost borrowing secured by their deposits. The signature loan remains steady at 10.25% APR, providing a fixed-rate unsecured option for general borrowing needs. The line of credit holds firm at 12.5% APR, suitable for flexible access to funds with variable repayment. Members should compare these options based on loan purpose and consider fixed-rate loans for predictable payments. For more details, visit https://www.nechesfcu.org/personal/personal-loans/.
AFFINITY FEDERAL CREDIT UNION
As of January 2, 2026, AFFINITY's personal loan rates remain stable across all products. The Certificate secured loan holds the lowest APR at 2.0%, unchanged over the past 30 days, making it the most cost-effective option for members with certificates. The Shared secured loan follows closely at 2.75% APR, also steady. Unsecured options like the Personal loan and Debt consolidation loan maintain consistent rates of 12.5% and 13.5% APR, respectively. Notably, the Privateline overdraft protection rate decreased slightly to 13.75% APR, down from 14.0% a month ago. Members should evaluate fixed-rate products for payment predictability and select loans aligning with their credit profile and borrowing goals.
Y-12 FEDERAL CREDIT UNION
As of January 2, 2026, Y-12’s personal loan rates remain stable across all products. The Access line of credit shows a slight decrease to 14.49% APR, down 0.25 percentage points (25 bps) from 30 days ago, offering flexible borrowing at a modestly reduced cost. The Share secured - installment loan maintains the lowest rate at 2.0% APR, ideal for members seeking low-cost, collateral-backed financing. Fixed-rate options like the Signature loan and Ultra loan hold steady at 12.49% APR and 13.99% APR, respectively, providing predictable payments for various borrowing needs. Members should compare these offerings carefully and consider fixed rates for payment certainty.
For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
LendMesh
Life can throw surprises your way—some good, some expensive. That’s where personal loans come in. At LendMesh, we help you find fair, flexible loan offers that match your real-world needs. Whether it’s medical bills, car repairs, or finally booking that dream vacation, we connect you with credit unions and banks that prioritize you—not just your credit score. Start comparing transparent personal loan options at https://www.lendmesh.com/loans/personal_loans and take control of your financial next step.
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Conclusion
When considering personal loans this week, it’s crucial to weigh your priorities, whether that’s lowering monthly payments through debt consolidation or securing funds quickly in an emergency. Remember, secured loans often offer the lowest APRs, making them ideal if you have collateral like savings or certificates. For those focused on credit building or refinancing student debt, programs with rates near or below 5% can significantly reduce interest costs over time. Keep an eye on stable rates across most products this month; this consistency means now is a solid time to lock in favorable terms without rushing decisions. As always, review all your options carefully and consider your repayment capacity before committing. Check back next week to catch any new moves in rates that could open even better doors for your financial goals, staying informed empowers smarter borrowing choices!