Introduction
As of January 16, 2026, credit union loan rates remain stable, offering members some of the most competitive borrowing options seen this month. For those looking to build credit or secure low-cost financing, share-secured loans stand out with rates as low as 1.8% at Trumark Financial and 2.0% across multiple credit unions like Charter Oak and Lafayette. Signature loans also offer attractive terms, with Liberty’s personal loan rate holding steady at 9.59% APR, and Apple Credit Union’s signature loan maintaining a solid 9.99% APR. Notably, secured certificate loans continue to provide excellent value at just 2.0% APR in several institutions, making them ideal for members seeking lower risk borrowing options. There have been no significant rate shifts over the past month, signaling steady opportunities for debt consolidation or funding major life events without rushing into fluctuating costs. Whether you’re exploring flexible lines of credit or fixed-term personal loans, today’s data highlights strong possibilities for smart financial moves.
Personal Loans
Credit Union
Product
2026-01-16
(Current Day)
(Current Day)
2026-01-01
(15 Days Ago)
(15 Days Ago)
2025-07-20
(180 Days Ago)
(180 Days Ago)
2025-12-17
(30 Days Ago)
(30 Days Ago)
2025-12-02
(45 Days Ago)
(45 Days Ago)
2025-11-17
(60 Days Ago)
(60 Days Ago)
2026-01-09
(7 Days Ago)
(7 Days Ago)
2025-10-18
(90 Days Ago)
(90 Days Ago)
Home equity line of credit - classic
7.375
7.375
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
12.25
12.78▲ 53 bps
12.27▲ 2 bps
12.27▲ 2 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
10.49
Educator line of credit
6.75
6.75
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
6.75
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
10.99
11.74▲ 75 bps
11.24▲ 25 bps
11.24▲ 25 bps
11.49▲ 50 bps
10.99
11.49▲ 50 bps
Line of credit
11.2
11.7▲ 50 bps
11.7▲ 50 bps
11.7▲ 50 bps
11.7▲ 50 bps
11.2
11.7▲ 50 bps
Signature loan
10
10
12.15▲ 215 bps
12.15▲ 215 bps
12.15▲ 215 bps
10
12.15▲ 215 bps
Privateline overdraft protection
13.75
13.75
13.75
14▲ 25 bps
14▲ 25 bps
13.75
14.25▲ 50 bps
REDSTONE FEDERAL CREDIT UNION
As of January 16, 2026, REDSTONE's personal loan APRs remain largely stable. The Home equity line of credit - classic rate decreased from 7.625% to 7.375% over the past month, reflecting a 0.25 percentage point (25 bps) reduction, improving affordability for members with home equity. The Share secured loan holds the lowest APR at 3.0%, ideal for members seeking low-risk borrowing options. Unsecured signature loans maintain steady rates at 10.89% (60 months) and 11.09% (72 months), while the Credit builder and Personal stretch loans remain unchanged. Members should compare fixed and variable options based on their financial goals and risk tolerance. For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TRUMARK FINANCIAL CREDIT UNION
As of January 16, 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 secured by savings. For first-time borrowers, the First credit loan holds steady at a competitive 6.25% APR. Members interested in unsecured options can consider the Unsecured-installment signature loans at 10.49% APR. Those leveraging investments may find the Stock loans to 75% of value rate steady at 8.49% APR. Comparing products based on your collateral and credit profile can help identify the most suitable terms.
TEXAS DOW EMPLOYEES CREDIT UNION
As of January 16, 2026, all TEXAS DOW EMPLOYEES personal loan rates remain stable with no changes over the past 30 days. The lowest APRs are found on secured products: the Certificate of Deposit Secured Loan and the Share Secured Loan, both at a highly competitive 2.0% APR. Unsecured options like the Personal Loan and Home Advantage Loan offer moderate fixed rates at 7.14% and 7.24% APR, respectively, suitable for members seeking predictable payments. The Cash $tash Line of Credit and Personal Line of Credit maintain consistent variable rates at 9.74% APR, appropriate for flexible borrowing needs. Members should evaluate their credit profile and borrowing goals to determine whether fixed or variable rates best align with their financial plans.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of January 16, 2026, LAFAYETTE personal loan rates remain stable with no changes over the past 30 days. The lowest APR is 2.0% on both Certificate secured and Share secured loans, ideal for members seeking low-risk borrowing options. The Credit builder loan holds steady at 3.0%, supporting members building credit history. For unsecured borrowing, the Signature loan offers a consistent rate of 8.99%, while the Line of credit remains at 9.99%, suitable for flexible borrowing needs. Members should review these fixed-rate products carefully to align with their financial goals and risk tolerance.
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 16, 2026, CHARTER OAK’s Readi-cash too rate remains steady at 10.75% APR, down from 11.0% thirty days ago, reflecting a decrease of 0.25 percentage points (25 bps). The Secured personal loan holds the lowest rate at a stable 2.0% APR, unchanged over the past month, ideal for members seeking low-cost borrowing with collateral. Meanwhile, Unsecured personal loans remain consistent at 7.75% APR, offering a moderate fixed rate for those without collateral needs. Members should compare these options based on their credit profile and consider secured loans for the lowest borrowing cost or unsecured loans for flexibility. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
APPLE FEDERAL CREDIT UNION
As of January 16, 2026, APPLE's Educator and First Responder lines of credit hold steady at 6.75% APR, marking a decrease of 0.25 percentage points (25 bps) from 30 days ago. The Savings secured loans maintain the lowest rates, with certificates at 2.0% APR and regular savings at 3.0% APR, offering strong options for members seeking low-risk borrowing. The Signature loan rate remains unchanged at 9.99% APR, while the Signature line of credit is stable at 10.99% APR, down slightly from 11.24% a month prior. Members should compare these fixed-rate products carefully and consider secured loans for lower costs or lines of credit for flexibility.
For more details, visit https://www.applefcu.org/loans/personalloans.
CRANE CREDIT UNION
As of January 16, 2026, CRANE's personal loan rates remain stable across all products. The Custom Fit Loans hold steady at 10.25% APR, while the Line of Credit maintains a consistent 12.00% APR; neither product shows any rate changes over the past 30 days. The most affordable borrowing option continues to be the Loan Secured by Savings, offering a notably low 2.00% APR, ideal for members seeking lower-cost, secured financing. Members should compare these fixed-rate options carefully to align with their financial goals and risk tolerance. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
LIBERTY FEDERAL CREDIT UNION
As of January 16, 2026, LIBERTY's personal loan rates remain steady with no changes over the past 30 days. The Certificate pledge loan offers the lowest APR at 2.00%, closely followed by the Share pledge at 2.05%, both ideal for members seeking low-cost secured borrowing options. The Personal loan product carries an APR of 9.59%, providing a fixed-rate choice for unsecured credit needs. Rates on specialized loans such as Home improvement (10.39%) and Computer and non-titled collateral (8.55%) remain unchanged, supporting flexible borrowing for specific purposes. Members should review these stable rates carefully and consider fixed-rate options to maintain payment predictability. For more details, visit https://www.libertyfcu.org/loan-rates#personal.
RANDOLPH-BROOKS FEDERAL CREDIT UNION
As of January 16, 2026, RANDOLPH BROOKS personal loan rates show stability in secured products, with both Certificate secured and Share secured loans holding steady at 2.0% APR, the lowest available rates. The Line of credit remains unchanged at 11.2% APR, down slightly from 11.7% APR fifteen and thirty days ago, reflecting a modest improvement for flexible borrowing. Notably, the Signature loan APR decreased from 12.15% to 10.0% over the last month, offering better terms for members seeking fixed-rate options. Members should compare these products based on their borrowing needs and consider fixed-rate loans for predictable payments. For more details, visit https://www.rbfcu.org/loans/personal-loans.
AFFINITY FEDERAL CREDIT UNION
As of January 16, 2026, AFFINITY credit union’s personal loan rates remain stable across all products with no changes in the past 30 days. The Certificate secured loan holds the lowest APR at 2.0%, ideal for members seeking low-cost borrowing secured by certificates. For those consolidating debt, the Debt consolidation loan and Personal loan maintain steady rates at 13.5% and 12.5% respectively, offering predictable repayment costs. Members interested in overdraft protection or student loan consolidation can expect consistent APRs of 13.75% and 4.99%. Consider comparing these fixed-rate options carefully to match your borrowing needs and risk tolerance.
LendMesh
Planning a life milestone like adoption, education, or a big move? The right personal loan can help make it possible. At LendMesh, we’ve seen how financial tools can empower people to take bold steps—and we’re here to help you take yours. Compare rates from lenders you can trust at https://www.lendmesh.com/loans/personal_loans and see how simple smart borrowing can be.
Conclusion
If you’re planning to consolidate debt, handle unexpected expenses, or invest in a big purchase, now is a great time to explore your credit union loan options closely. Prioritize secured loans like share-secured or certificate-backed products, which consistently offer the lowest APRs, often near 2%. For unsecured needs, consider signature loans with competitive rates below 10%, especially if you qualify for stable terms that fit your budget. Keep an eye on any upcoming rate changes by reviewing your credit union’s offerings regularly; even small shifts can impact your monthly payments significantly. Most importantly, ensure your borrowing aligns with your financial goals, use these low-rate opportunities to reduce interest costs and improve cash flow. Check back next week to stay informed and take advantage of any new deals that could further enhance your borrowing power!