Introduction
As of January 30, 2026, credit union members have access to some truly competitive personal loan rates that can help turn financial goals into realities. Whether you’re looking to build credit, consolidate debt, or finance a big life event, today’s rate landscape offers standout opportunities. The lowest APRs are shining in secured loan options, with TRUMARK FINANCIAL and several others offering share-secured loans as low as 1.8% to 2.0%, perfect for members seeking affordable borrowing backed by savings or certificates. For unsecured personal loans, rates remain steady with REDSTONE and TRUMARK FINANCIAL providing attractive signature loan options around 10.49% to 10.89% APR over terms up to 72 months. Notably, the home equity line of credit at REDSTONE holds firm at a competitive 7.375%, ideal for larger projects or refinancing needs. Whether you prefer the security of collateralized loans or the flexibility of unsecured credit, today’s offerings deliver something valuable for every borrower’s situation.
Personal Loans
Credit Union
Product
2026-01-30
(Current Day)
(Current Day)
2026-01-15
(15 Days Ago)
(15 Days Ago)
2025-08-03
(180 Days Ago)
(180 Days Ago)
2025-12-31
(30 Days Ago)
(30 Days Ago)
2025-12-16
(45 Days Ago)
(45 Days Ago)
2025-12-01
(60 Days Ago)
(60 Days Ago)
2026-01-23
(7 Days Ago)
(7 Days Ago)
2025-11-01
(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
12.71▲ 46 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
Readi-cash too
10.75
10.75
11▲ 25 bps
11▲ 25 bps
11▲ 25 bps
10.75
11.25▲ 50 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 30, 2026, REDSTONE’s personal loan rates remain mostly stable. The Home equity line of credit - classic APR decreased by 0.25 percentage points (25 bps) compared to 30 days ago, now at 7.375%, offering a competitive option for members seeking flexible borrowing secured by home equity. The lowest APR remains with the Share secured loan at 3.0%, ideal for members prioritizing low-cost, collateral-backed loans. Unsecured signature loans hold steady at 10.89% (60 months) and 11.09% (72 months), suitable for fixed-term needs without collateral. Members should compare products based on their financial goals and consider fixed-rate options for predictable payments.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TRUMARK FINANCIAL CREDIT UNION
As of January 30, 2026, TRUMARK FINANCIAL’s personal loan rates remain stable with no changes over the past 30 days. The Share-secured loan offers the lowest APR at 1.8%, ideal for members seeking low-cost borrowing secured by shares. For first-time borrowers, the First credit loan maintains a competitive rate of 6.25%. Members interested in flexible options can consider the Unsecured-installment signature loans at 10.49%, or stock-backed loans at 8.49% for leveraging investment value. Given steady rates, members should compare products based on their financial goals and consider fixed-rate loans for predictable payments. For more details, visit https://www.trumarkonline.org/rates/#:~:text=Signature%20Loan%20Rates-,Account%20%C2%A0,-Term%20%C2%A0.
VYSTAR CREDIT UNION
As of January 30, 2026, the Savings secured personal loan rate at VYSTAR remains steady at a highly competitive 2.0% APR, unchanged over the past week and month but down from 5.0% fifteen days ago. This represents a significant recent decrease, making it an attractive option for members seeking low-cost borrowing secured by savings. Members looking for affordable, predictable payments may find this product especially beneficial. When evaluating borrowing options, consider fixed-rate loans like this one to maintain payment certainty and align with your financial goals. 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 30, 2026, all personal loan rates 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 APR at 2.0%, ideal for members seeking low-cost, secured borrowing options. For unsecured needs, the Personal Loan holds a steady rate of 7.14%, while the Home Advantage Loan is slightly higher at 7.24%. The Cash $tash Line of Credit remains at 9.74%, consistent over the month. Members should compare these fixed-rate products to align borrowing choices with their financial goals and risk tolerance.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of January 30, 2026, LAFAYETTE credit union’s personal loan rates remain stable across all products, with no changes in APR over the past 30 days. The Certificate secured and Share secured loans offer the lowest APR at 2.0%, ideal for members seeking low-cost, collateral-backed borrowing. The Credit builder loan holds steady at 3.0%, supporting members building or improving credit profiles. For unsecured options, the Signature loan maintains an APR of 8.99%, while the flexible Line of credit remains at 9.99%. Members should compare fixed-rate versus revolving credit options 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 30, 2026, CHARTER OAK’s Readi-cash too personal loan APR has decreased from 11.0% to 10.75%, reflecting a 0.25 percentage point (25 bps) improvement over the past month. The Secured personal loan rate remains steady at the lowest available APR of 2.0%, offering excellent value for members seeking collateral-backed borrowing. Meanwhile, Unsecured personal loans hold firm at 7.75%, providing a consistent option without security requirements. Members should consider their borrowing goals and compare fixed-rate products for payment predictability and cost efficiency.
For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
ORNL FEDERAL CREDIT UNION
As of January 30, 2026, ORNL offers personal loans with an APR of 9.99%, and a personal line of credit at 10.99%; these rates are newly listed with no prior comparison data available. For secured options, both the share certificate secured and share secured loans present the lowest APR at 2.0%, offering cost-effective borrowing for members able to provide collateral. Members seeking affordable unsecured credit may find the signature personal loan suitable, while those preferring lower risk and rate stability might consider secured loans. Evaluate your borrowing needs carefully and consider fixed-rate products for predictable payments. For more details, visit https://ornlfcu.com/personal/rates#personal-loans:~:text=below%20for%20details-,Other%20Loans,-NAME
CRANE CREDIT UNION
As of January 30, 2026, CRANE’s personal loan rates remain stable across all products, with no changes in APR over the past 30 days. The Loan secured by savings offers the lowest rate at 2.0% APR, ideal for members seeking low-cost borrowing backed by their savings. The Custom fit loans maintain a competitive 10.25% APR, suitable for those needing unsecured financing with predictable fixed rates. Meanwhile, the Line of credit stands at 12.0% APR, providing flexible access to funds but at a higher cost than fixed loans. Members should compare these options carefully and consider fixed-rate loans for payment certainty. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
DEL NORTE CREDIT UNION
As of January 30, 2026, DEL NORTE personal loan rates remain stable with no changes over the past week. The Type of loan share or certificate secured offers the lowest APR at 2.0%, ideal for members seeking low-cost borrowing backed by collateral. The Type of loan unsecured personal loan maintains a fixed APR of 10.49%, suitable for straightforward borrowing without collateral. Meanwhile, the Type of loan unsecured revolving line of credit holds steady at 12.99%, offering flexible access to funds when needed. Members should compare these options based on their borrowing needs and consider fixed-rate loans for predictable payments. For more details, visit https://www.dncu.com/personal/personal-loans/#rates.
AFFINITY FEDERAL CREDIT UNION
As of January 30, 2026, AFFINITY’s personal loan rates remain stable across all products with no changes in APR over the past 30 days. The lowest APR is 2.0% for the Certificate secured loan, followed closely by the Shared secured loan at 2.75%. For members seeking unsecured borrowing, the Personal loan offers a fixed 12.5% APR, while debt consolidation options hold steady at 13.5% APR. The Student loan consolidation program features an attractive 4.99% APR, suitable for those managing education debt. Members should compare fixed-rate options and secured versus unsecured loans carefully to align with their financial goals and repayment capacity.
LendMesh
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Conclusion
If you’re planning to consolidate high-interest debt or prepare for unexpected expenses, now is a smart time to explore these low-rate personal loan options from trusted credit unions. Secured loans with APRs near 2% offer an affordable path to borrowing, especially if you have savings or certificates to leverage. For those seeking longer repayment terms without collateral, signature loans under 11% APR provide manageable monthly payments that can ease budgeting stress. Remember, locking in rates sooner rather than later helps avoid potential increases in borrowing costs down the road. Keep an eye on your credit union’s updates next week, rates can shift subtly but impact your total interest paid significantly. Above all, take advantage of these transparent and member-focused lending programs to confidently meet your financial needs while keeping costs low and terms clear. Your best personal loan solution is waiting, don’t hesitate to review your options and apply today!