Introduction
As of January 9, 2026, credit union loan rates remain steady, offering excellent opportunities for members seeking affordable financing solutions. For those looking to build or rebuild credit, Redstone’s Credit Builder loan holds a standout 1.0% APR, maintaining its position as the most accessible option nationwide. Savvy savers can also benefit from ultra-low secured loan rates, several credit unions like Charter Oak, Lafayette, and Texas Dow Employees are offering secured loans at just 2.0% APR, perfect for leveraging savings without risking high interest. Personal unsecured signature loans are competitive too, with TRUMARK Financial providing a solid 10.49% APR and Redstone close behind at 10.89% for 60 months. Notably, VyStar’s personal loan rate remains attractive at 5.0%, though it dipped from 10.0% just 30 days ago, signaling a positive shift for borrowers. Whether consolidating debt, managing emergencies, or planning a big purchase, today’s rates highlight strong borrowing power across diverse credit unions, giving you multiple paths to financial flexibility.
Personal Loans
Credit Union
Product
2026-01-09
(Current Day)
(Current Day)
2025-12-25
(15 Days Ago)
(15 Days Ago)
2025-07-13
(180 Days Ago)
(180 Days Ago)
2025-12-10
(30 Days Ago)
(30 Days Ago)
2025-11-25
(45 Days Ago)
(45 Days Ago)
2025-11-10
(60 Days Ago)
(60 Days Ago)
2026-01-02
(7 Days Ago)
(7 Days Ago)
2025-10-11
(90 Days Ago)
(90 Days Ago)
Home equity line of credit - classic
7.375
7.625▲ 25 bps
8.125▲ 75 bps
7.625▲ 25 bps
7.625▲ 25 bps
7.375
7.875▲ 50 bps
Personal line of credit/overdraft
12.25
12.27▲ 2 bps
12.78▲ 53 bps
12.27▲ 2 bps
12.28▲ 3 bps
12.25
12.29▲ 4 bps
Personal unsecured signature - 60 months
10.89
10.89
11.29▲ 40 bps
10.89
10.89
10.89
10.89
10.89
Personal unsecured signature - 72 months
11.09
11.09
11.49▲ 40 bps
11.09
11.09
11.09
11.09
11.09
Unsecured-installment signature loans
10.49
10.49
10.49
10.49
10.49
10.49
10.49
Educator line of credit
6.75
7▲ 25 bps
7.5▲ 75 bps
7▲ 25 bps
7▲ 25 bps
7.25▲ 50 bps
6.75
7.25▲ 50 bps
First responder line of credit
6.75
7▲ 25 bps
7.5▲ 75 bps
7▲ 25 bps
7▲ 25 bps
7.25▲ 50 bps
6.75
7.25▲ 50 bps
Signature line of credit
10.99
11.24▲ 25 bps
11.74▲ 75 bps
11.24▲ 25 bps
11.24▲ 25 bps
11.49▲ 50 bps
10.99
11.49▲ 50 bps
Personal line of credit
10.99
11.74▲ 75 bps
11.74▲ 75 bps
11.74▲ 75 bps
11.74▲ 75 bps
11.74▲ 75 bps
10.99
11.74▲ 75 bps
Privateline overdraft protection
13.75
13.75
14▲ 25 bps
14▲ 25 bps
14▲ 25 bps
13.75
14.25▲ 50 bps
REDSTONE FEDERAL CREDIT UNION
As of January 9, 2026, REDSTONE's personal loan rates remain largely stable. The Home equity line of credit - classic rate holds at 7.375% APR, down slightly from 7.625% thirty days ago, reflecting a 0.25 percentage point (25 bps) decrease. The Personal unsecured signature loans for 60 and 72 months maintain steady rates at 10.89% and 11.09% APR, respectively. The Credit builder loan continues to offer the lowest overall rate at 1.0% APR, ideal for members establishing credit. For secured options, the Share secured loan stands at 3.0% APR, providing a low-cost borrowing alternative.
Members seeking predictable payments may consider fixed-rate signature loans; those with home equity might benefit from the modestly reduced HELOC rate. Comparing products aligned with your financial goals can help optimize borrowing costs.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal,
TRUMARK FINANCIAL CREDIT UNION
As of January 9, 2026, TRUMARK FINANCIAL’s personal loan APRs remain steady 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 savings. For unsecured options, First credit loan and Term-share secured loan both hold a competitive 6.25% APR, suitable for first-time borrowers or those preferring fixed rates. The Unsecured-installment signature loans stand at 10.49% APR, balancing flexibility without collateral. Members should compare these products based on their security preferences and financial goals to select the most appropriate terms.
VYSTAR CREDIT UNION
As of January 9, 2026, VYSTAR's Personal Loans maintain a steady APR of 5.0%, unchanged over the past week and stable compared to 15 days ago, but significantly lower than the 10.0% rate seen 30 days prior. This represents a notable reduction of 5.0 percentage points (500 bps) over the last month, enhancing affordability for members seeking unsecured borrowing. The Savings Secured Loan remains the most cost-effective option at a consistent 2.0% APR, offering the lowest available rate for members comfortable with collateral-based borrowing.
Members should consider their borrowing needs carefully; those prioritizing lower rates might explore secured options, while others may benefit from fixed-rate personal loans for predictable payments. Comparing these products based on your financial goals can help identify the best fit.
For more details, visit https://www.vystarcu.org/personal/rates/personal-loan-and-line-of-credit-rates.
TEXAS DOW EMPLOYEES CREDIT UNION
As of January 9, 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 costs. Among unsecured options, the Personal Loan holds a steady rate of 7.14% APR, suitable for general borrowing needs, while the Cash $tash Line of Credit maintains a higher but fixed rate of 9.74% APR for flexible access to funds. Members should review their borrowing goals and consider fixed-rate products for predictable payments.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of January 9, 2026, LAFAYETTE personal loan rates remain stable across all products with no changes over the past 30 days. The lowest APR is offered by both Certificate secured and Share secured loans at 2.0%, ideal for members seeking low-risk, secured borrowing options. The Credit builder loan at 3.0% APR supports members establishing or improving credit. For unsecured borrowing, the Signature loan stands at 8.99% APR, while the Line of credit is priced at 9.99% APR, suitable for flexible access to funds. Members should compare these rates based on security and repayment terms to align 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 January 9, 2026, CHARTER OAK’s Readi-cash too loan rate decreased from 11.0% to 10.75% APR, reflecting a 0.25 percentage point (25 bps) drop over the past month. The Secured personal loan remains steady at the lowest available rate of 2.0% APR, offering strong value for members seeking collateral-backed borrowing. The Unsecured personal loans maintain a consistent rate of 7.75% APR, suitable for those needing flexible, unsecured credit without recent rate changes. Members should compare these options carefully and consider fixed-rate products if payment predictability is important. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
APPLE FEDERAL CREDIT UNION
As of January 9, 2026, APPLE’s Educator and First Responder lines of credit remain steady at 6.75% APR, down from 7.0% fifteen and thirty days ago, reflecting a modest improvement in borrowing costs for these members. The Savings secured loans hold firm at the lowest rates: 2.0% APR for certificates and 3.0% APR for regular savings, offering the most affordable options backed by collateral. Among unsecured products, the Signature loan is unchanged at 9.99% APR, while the Signature line of credit decreased slightly to 10.99% APR from 11.24% over the last 15 to 30 days. Members should compare fixed and variable options carefully based on their credit needs and security preferences.
For more details, visit https://www.applefcu.org/loans/personalloans,
ORNL FEDERAL CREDIT UNION
As of January 9, 2026, ORNL’s personal loan APRs remain stable across all products. The Personal loan and Personal line of credit rates are steady at 9.99% and 10.99%, respectively; however, the line of credit has seen a notable decrease from 11.74% over the past 30 days, improving borrowing costs by 0.75 percentage points (75 bps). Secured loans for autos and motorcycles hold the lowest unsecured APR at 5.89%, while boat and RV secured loans remain at 8.29%. The most affordable options are the Share certificate secured and Share secured loans, both at a low 2.00% APR. Members seeking consistent rates might consider fixed-rate personal loans or secured options to minimize interest expense. Compare these products based on your financial goals for best alignment.
CRANE CREDIT UNION
As of January 9, 2026, CRANE’s personal loan rates remain stable 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 maintain a competitive fixed APR of 10.25%, suitable for general unsecured borrowing needs. The Line of credit stands at 12.0% APR, providing flexible access but at a higher rate compared to fixed loans. 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/.
AFFINITY FEDERAL CREDIT UNION
As of January 9, 2026, AFFINITY's personal loan rates remain stable with no changes over the past 30 days. The Certificate secured loan offers the lowest APR at 2.0%, making it ideal for members seeking low-cost, secured borrowing. The Shared secured loan follows closely at 2.75% APR, also steady and competitive. For unsecured options, the Personal loan maintains a consistent rate of 12.5% APR, while the Debt consolidation loan holds at 13.5% APR, suitable for members aiming to simplify high-interest debts. The Privateline overdraft protection saw a slight improvement, decreasing from 14.0% to 13.75% APR in the last week, enhancing overdraft cost efficiency. The fixed-rate Student loan consolidation program remains at a favorable 4.99% APR.
Members should evaluate product features alongside rates; consider secured loans for lower costs or fixed rates like student loan consolidation for payment certainty. Reviewing individual borrowing needs against these stable rates can guide informed decisions.
LendMesh
Financial setbacks happen, but they don’t have to define your story. LendMesh makes it easy to compare personal loans that help you move forward—not backward. Whether it’s rebuilding after an unexpected event or just getting ahead on your goals, our network of credit unions and banks gives you more than options—it gives you support. Visit https://www.lendmesh.com/loans/personal_loans and take the first step toward financial relief today.
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Conclusion
When considering your next personal loan, keep in mind that choosing the right loan type, secured versus unsecured, can significantly impact your interest rate and monthly payments. Secured loans tied to savings or certificates offer some of the lowest APRs available today, making them ideal if you have assets to leverage safely. For those focused on debt consolidation or large expenses without collateral, look closely at signature loans with competitive fixed rates around 10-11%. If you’re rebuilding credit or need quick access to funds with minimal risk, credit builder loans under 3% APR provide a smart foundation. Remember to compare terms carefully and check for any recent rate changes before applying, as even small differences can save you money over time. Keep an eye on these rates weekly, it pays to stay informed and ready to act when favorable opportunities arise!