Introduction
As of January 23, 2026, credit union members have some standout personal loan opportunities worth exploring. If you’re looking to build credit or secure a low-cost borrowing option, TRUMARK FINANCIAL’s Share-secured loan at an incredibly low 1.8% APR remains one of the most attractive offers available. For those seeking unsecured signature loans, LAFAYETTE Credit Union’s Signature loan at 8.99% APR delivers competitive pricing without the need for collateral. Home equity lines are steady, with REDSTONE offering a solid rate of 7.375%, perfect for larger projects or refinancing needs. Notably, VYSTAR’s Savings secured loan experienced a notable drop from 5.0% last week to just 2.0% today, presenting a timely chance to tap into savings-backed borrowing at favorable terms. Whether you need funds for debt consolidation, emergencies, or life’s big purchases, these rates highlight excellent opportunities to borrow smartly and save on interest costs.
Personal Loans
Credit Union
Product
2026-01-23
(Current Day)
(Current Day)
2026-01-08
(15 Days Ago)
(15 Days Ago)
2025-07-27
(180 Days Ago)
(180 Days Ago)
2025-12-24
(30 Days Ago)
(30 Days Ago)
2025-12-09
(45 Days Ago)
(45 Days Ago)
2025-11-24
(60 Days Ago)
(60 Days Ago)
2026-01-16
(7 Days Ago)
(7 Days Ago)
2025-10-25
(90 Days Ago)
(90 Days Ago)
Home equity line of credit - classic
7.375
7.375
8.125▲ 75 bps
7.625▲ 25 bps
7.375
7.875▲ 50 bps
Personal line of credit/overdraft
12.25
12.25
12.78▲ 53 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
Readi-cash too
10.75
10.75
11▲ 25 bps
11▲ 25 bps
11▲ 25 bps
10.75
11.25▲ 50 bps
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
REDSTONE FEDERAL CREDIT UNION
As of January 23, 2026, REDSTONE's personal loan rates remain mostly stable. The Home equity line of credit - classic rate decreased from 7.625% to 7.375% APR, a notable 0.25 percentage point (25 bps) drop over the last month, offering a more affordable borrowing option for members with home equity. The Share secured loan holds the lowest APR at 3.0%, ideal for members seeking low-risk borrowing. Unsecured options like the Personal unsecured signature - 60 months and 72 months remain steady at 10.89% and 11.09%, respectively, suitable for fixed-term borrowing needs. Members should compare these rates carefully and consider secured loans or fixed-rate terms for predictable payments.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal,
TRUMARK FINANCIAL CREDIT UNION
As of January 23, 2026, TRUMARK FINANCIAL’s personal loan rates remain stable across all products with no changes in APR 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 unsecured borrowing, the First credit loan and Term-share secured loan both carry competitive rates at 6.25% APR, suitable for first-time borrowers or those preferring fixed terms. The Unsecured-installment signature loans stand at 10.49% APR, providing a flexible option for general personal financing. Members should compare these offerings based on security and rate preferences to align with their financial goals.
VYSTAR CREDIT UNION
As of January 23, 2026, the VYSTAR Savings Secured personal loan rate remains steady at 2.0% APR, showing a notable decrease from 5.0% APR observed both 7 and 30 days ago. This marks a significant improvement in borrowing cost by 3.0 percentage points (300 bps) over the past month, offering members one of the lowest secured loan rates currently available. Members seeking low-risk, affordable borrowing options with collateral may find this product especially beneficial. For financial planning, consider comparing secured loans for potentially lower rates and assess fixed-rate choices if payment stability is a priority. 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 23, 2026, all personal loan rates at TEXAS DOW EMPLOYEES remain steady with no changes over the past 30 days. The Certificate of Deposit secured loan and Share secured loan offer the lowest APRs at a consistent 2.0%, ideal for members seeking low-cost, collateral-backed borrowing. For unsecured needs, the Personal loan holds a stable rate of 7.14%, while the Home advantage loan is slightly higher at 7.24%. The flexible Cash $tash line of credit remains at 9.74%. Members should review these fixed rates to align borrowing options with their financial goals and consider secured loans for lower interest expenses.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of January 23, 2026, LAFAYETTE credit union’s personal loan rates remain steady across all products with no changes over the past 30 days. The lowest APR is 2.0% for both Certificate secured and Share secured loans, offering cost-effective options for members seeking collateral-backed borrowing. The Credit builder loan holds a consistent 3.0% APR, ideal for members working to improve credit profiles. Unsecured borrowing options include the Signature loan at 8.99% APR and the Line of credit at 9.99% APR, suitable for flexible or larger borrowing needs. Members should assess fixed versus variable rate terms based on their repayment plans and compare products accordingly.
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 23, 2026, CHARTER OAK’s Readi-cash too loan APR decreased from 11.0% to 10.75%, reflecting a 0.25 percentage point (25 bps) improvement over the past month. The Secured personal loan maintains the lowest rate at 2.0% APR, unchanged for 30 days, ideal for members with collateral seeking the most affordable borrowing cost. Meanwhile, Unsecured personal loans remain steady at 7.75% APR, offering consistent terms for borrowers without collateral. Members should evaluate fixed-rate options like secured loans for payment stability or consider unsecured products based on credit needs and collateral availability. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
APPLE FEDERAL CREDIT UNION
As of January 23, 2026, APPLE's Educator and First Responder lines of credit both show a notable APR decrease from 7.00% to 6.75% over the past month, reflecting a 0.25 percentage point (25 bps) improvement. The Signature line of credit also saw a modest decline, down from 11.24% to 10.99% in the same period. Fixed-rate options like the Signature loan remain steady at 9.99%, while secured products offer the lowest rates: the Savings secured certificate at 2.0% and the Savings secured loan at 3.0%. Members seeking lower-risk borrowing may prefer secured loans; those wanting flexible access might consider lines of credit with recent rate reductions. Compare these options carefully based on your borrowing purpose and risk tolerance for best alignment.
For more details, visit https://www.applefcu.org/loans/personalloans.
CRANE CREDIT UNION
As of January 23, 2026, CRANE credit union’s personal loan rates remain steady across all products. The Custom fit loans and Line of credit maintain APRs of 10.25% and 12.0%, respectively, with no changes over the past 30 days. The most competitive rate is found in the Loan secured by savings at a fixed 2.0% APR, ideal for members seeking low-cost, secured borrowing options. Members aiming for predictable payments may consider these fixed-rate products; those needing flexible access might explore the line of credit. Review your financial goals carefully to select the product that aligns with your borrowing needs. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
PURDUE FEDERAL CREDIT UNION
As of January 23, 2026, PURDUE Credit Union offers personal loan rates starting at 2.0% APR for both Secured (savings) and Secured (share certificate) loans, representing the lowest available borrowing costs ideal for members seeking low-risk, collateral-backed options. The Personal unsecured loan rate stands at 12.4% APR, while the Collateralized loan is priced at 9.44% APR; both rates are newly published with no prior data for trend comparison. Members should evaluate secured loans for lower interest expenses or consider unsecured personal loans if collateral is not an option. Compare products carefully to align with your credit profile and borrowing goals. For more details, visit https://www.purduefed.com/Personal/Loans/Personal-Loans.
DEL NORTE CREDIT UNION
As of January 23, 2026, DEL NORTE's Type of loan share or certificate secured maintains the lowest APR at 2.0%, stable over the past week. The Type of loan unsecured personal loan is newly listed at 10.49% APR, with no prior data for comparison. The Type of loan unsecured revolving line of credit remains steady at 12.99% APR over the last 7 days. Members seeking the lowest borrowing costs may consider secured options, while those needing flexible credit access might evaluate the revolving line of credit. Review your borrowing goals carefully and compare fixed-rate products for greater payment predictability. For more details, visit https://www.dncu.com/personal/personal-loans/#rates.
LendMesh
Life’s expenses don’t always wait for the perfect timing. When you need fast, flexible funding, LendMesh brings you personal loan options without the runaround. Whether you’re covering an emergency or pursuing a big idea, our platform connects you to lenders who care about your future—not just your FICO score. Start your search today at https://www.lendmesh.com/loans/personal_loans and move forward with confidence.
Conclusion
When considering personal loans this week, prioritize products with the lowest APRs and terms that suit your financial goals, secured loans like share or certificate-backed options often offer the best rates if you have collateral to leverage. If unsecured borrowing is your preference, keep an eye on signature loans around the 9-11% range from credit unions like LAFAYETTE and REDSTONE. Remember to factor in your repayment timeline and avoid stretching terms unnecessarily to minimize total interest paid. As rates can shift slightly week-to-week, as seen with VYSTAR’s recent adjustment, it pays to review your options regularly and act decisively when you spot a rate that fits your budget and needs. Keep monitoring these trusted credit union offers next week so you don’t miss out on any new deals that can help you manage debt wisely or fund important expenses confidently.