Introduction
As of February 13, 2026, credit union members have some outstanding personal loan opportunities to explore. Whether you’re looking to consolidate debt, manage an emergency expense, or finance a big life event, there are competitive rates worth noting today. The lowest APR available is an incredibly low 1.0% on credit builder loans from Redstone Credit Union, perfect for those building or rebuilding credit. For secured loans, several credit unions including Trumark Financial and Texas Dow Employees offer attractive rates as low as 1.8% to 2.0% on share-secured and certificate-secured loans, great options for borrowers with collateral seeking lower interest costs. Signature loans remain solid with Lafayette’s offering at 8.99% APR, while unsecured installment loans from Trumark Financial come in at a competitive 10.49% APR. Notably, most rates have held steady over the past month, providing consistency for planning your borrowing needs. Today’s rate landscape highlights a broad range of affordable personal financing options tailored to diverse member situations.
Personal Loans
| Lender | Product | 2026-02-13 Current | 2026-01-29 15 Days Ago | 2025-08-17 180 Days Ago | 2026-01-14 30 Days Ago | 2025-12-30 45 Days Ago | 2025-12-15 60 Days Ago | 2026-02-06 7 Days Ago | 2025-11-15 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% | 1.8% | 1.8% | 1.8% | 1.8% | 1.8% | 1.8% |
| VYSTAR CREDIT UNION | Savings secured | 2% | 2% | 5% | 2% | 2% | N/A | N/A | 5% |
| 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% | 2% |
| LAFAYETTE FEDERAL CREDIT UNION | Share secured | 2% | 2% | N/A | 2% | 2% | 2% | 2% | 2% |
| CHARTER OAK FEDERAL CREDIT UNION | Secured personal loan | 2% | 2% | N/A | 2% | 2% | 2% | 2% | 2% |
| ORNL FEDERAL CREDIT UNION | Name share certificate secured | 2% | N/A | N/A | N/A | N/A | N/A | 2% | N/A |
| ORNL FEDERAL CREDIT UNION | Name share secured | 2% | N/A | N/A | N/A | N/A | N/A | 2% | N/A |
| CRANE CREDIT UNION | Loan secured by savings | 2% | 2% | N/A | 2% | 2% | 2% | 2% | 2% |
| 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% | 3% | 3% | 3% | 3% | 3% | 3% | 3% |
| LAFAYETTE FEDERAL CREDIT UNION | Credit builder | 3% | 3% | N/A | 3% | 3% | 3% | 3% | 3% |
| AFFINITY FEDERAL CREDIT UNION | Student loan consolidation program | 4.99% | 4.99% | N/A | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% |
| TRUMARK FINANCIAL CREDIT UNION | First credit loan | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% |
| TRUMARK FINANCIAL CREDIT UNION | Term-share secured loan | 6.25% | 6.25% | 6.25% | 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% | 7.14% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Home advantage loan | 7.24% | 7.24% | 7.74% | 7.24% | 7.24% | 7.24% | 7.24% | 7.24% |
| REDSTONE FEDERAL CREDIT UNION | Home equity line of credit - classic | 7.375% | 7.375% | 8.125% | 7.375% | 7.625% | 7.625% | 7.375% | 7.625% |
| CHARTER OAK FEDERAL CREDIT UNION | Unsecured personal loans | 7.75% | 7.75% | N/A | 7.75% | 7.75% | 7.75% | 7.75% | 7.75% |
| TRUMARK FINANCIAL CREDIT UNION | Stock loans to 75% of value | 8.49% | 8.49% | 8.49% | 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% | 8.99% |
| 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% |
| LAFAYETTE FEDERAL CREDIT UNION | Line of credit | 9.99% | 9.99% | N/A | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% |
| ORNL FEDERAL CREDIT UNION | Name personal | 9.99% | N/A | N/A | N/A | N/A | N/A | 9.99% | N/A |
| CRANE CREDIT UNION | Custom fit loans | 10.25% | 10.25% | N/A | 10.25% | 10.25% | 10.25% | 10.25% | 10.25% |
| TRUMARK FINANCIAL CREDIT UNION | Unsecured-installment signature loans | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% |
| LAFAYETTE FEDERAL CREDIT UNION | Home improvement loan | 10.74% | N/A | N/A | N/A | N/A | N/A | 10.74% | N/A |
| CHARTER OAK FEDERAL CREDIT UNION | Readi-cash too | 10.75% | 10.75% | N/A | 10.75% | 11% | 11% | 10.75% | 11% |
| 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 | Name personal line of credit | 10.99% | N/A | N/A | N/A | N/A | N/A | 10.99% | N/A |
| 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% | 12% |
| REDSTONE FEDERAL CREDIT UNION | Personal line of credit/overdraft | 12.11%▼ 14 bps | 12.25% | 12.71% | 12.25% | 12.27% | 12.27% | 12.11% | 12.28% |
| Y-12 FEDERAL CREDIT UNION | Signature loan | 12.49% | 12.49% | N/A | 12.49% | 12.49% | 12.49% | 12.49% | 12.49% |
| 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 | 13.75% | 13.75% | 14% | 13.75% | 14% |
| 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% | 14.49% | N/A | 14.49% | 14.74% | 14.74% | 14.49% | 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% | 18% | 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 February 13, 2026, REDSTONE's personal loan rates remain stable across all products with no changes over the past 30 days. The lowest APR is offered by the Credit Builder Loan at 1.0%, ideal for members establishing or improving credit. For secured borrowing, the Share Secured Loan at 3.0% APR provides a low-cost option using savings as collateral. Among unsecured loans, the 60-month Personal Unsecured Signature Loan at 10.89% APR presents a competitive fixed rate for longer-term borrowing. Members seeking flexible access may consider the Personal Line of Credit/Overdraft at 12.11% APR, unchanged but slightly below recent rates. Comparing these options can help match terms to your financial goals; consider fixed-rate products if payment predictability is a priority. For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TRUMARK FINANCIAL CREDIT UNION
As of February 13, 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 their shares. First-time borrowers may find the First credit loan attractive with a fixed 6.25% APR, matching the Term-share secured loan rate. Unsecured options like the Unsecured-installment signature loans carry a higher fixed APR of 10.49%, while stock-backed loans hold steady at 8.49%. Members should compare fixed-rate products to align borrowing costs with financial goals.
VYSTAR CREDIT UNION
As of February 13, 2026, VYSTAR’s Savings secured personal loan remains stable with an APR at 2.0%, unchanged over the past 30 days. This rate is the lowest available among the current offerings, providing a cost-effective borrowing option for members who can leverage savings collateral. Members seeking predictable, low-rate loans may find this product particularly valuable. Consider comparing it against other available credit options if you prioritize fixed low rates and repayment security. For more details, visit https://www.vystarcu.org/personal/rates/personal-loan-and-line-of-credit-rates.
TEXAS DOW EMPLOYEES CREDIT UNION
As of February 13, 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 2.0% APR, ideal for members seeking low-cost, secured borrowing options. For unsecured needs, the Personal loan holds a competitive rate of 7.14% APR, while the Home advantage loan is slightly higher at 7.24% APR. The Cash $tash line of credit remains steady at 9.74% APR, suitable for flexible borrowing. Members should compare fixed-rate options to match their financial goals and risk tolerance. For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of February 13, 2026, LAFAYETTE's personal loan rates remain stable across all products with no changes over the past 30 days. The lowest APRs are 2.0% for both the Certificate secured and Share secured loans, ideal for members seeking low-risk borrowing options. The Credit builder loan holds steady at 3.0% APR, suitable for first-time borrowers aiming to establish credit. Unsecured options like the Signature loan at 8.99% APR and the Line of credit at 9.99% APR offer fixed borrowing costs without collateral, while the Home improvement loan stands at 10.74% APR. Members should compare rates and terms carefully and consider fixed-rate products for predictable payments.
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 February 13, 2026, CHARTER OAK personal loan rates remain stable across all products with no changes over the past 30 days. The Secured personal loan offers the lowest APR at 2.0%, ideal for members seeking low-cost borrowing secured by collateral. For unsecured borrowing, Unsecured personal loans provide a consistent rate of 7.75%, while the Readi-cash too program holds steady at 10.75% APR. Members should evaluate their credit needs carefully and consider secured options if minimizing interest expense is a priority; fixed-rate loans offer predictable payments without rate fluctuations. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
ORNL FEDERAL CREDIT UNION
As of February 13, 2026, ORNL’s personal loan APRs remain stable with no changes over the past 7 to 30 days. The Name personal loan and Name personal line of credit both hold steady at 9.99% and 10.99% APR respectively, offering consistent unsecured borrowing options. Members seeking secured loans benefit from the lowest APR at 2.0% on both the Name share certificate secured and Name share secured loans, ideal for those prioritizing lower costs through collateral. Consider comparing these fixed-rate products based on your borrowing needs to determine the best fit for payment predictability and affordability. For more details, visit https://ornlfcu.com/personal/rates#personal-loans:~:text=below%20for%20details-,Other%20Loans,-NAME
CRANE CREDIT UNION
As of February 13, 2026, CRANE’s personal loan rates remain stable across all products. The Custom fit loans and Line of credit both hold steady at 10.25% APR and 12.0% APR, respectively, showing no changes in the past 30 days. The most competitive rate is on the Loan secured by savings, fixed at a low 2.0% APR, ideal for members seeking lower-cost borrowing backed by their savings. Members should evaluate these options carefully; those valuing payment certainty may consider the secured loan, while others might prefer unsecured solutions for flexibility. Compare current rates to your financial needs before deciding. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
AFFINITY FEDERAL CREDIT UNION
As of February 13, 2026, AFFINITY’s personal loan rates remain stable with no changes over the past 30 days across all products. The lowest APR is 2.0% on the Certificate secured loan, ideal for members seeking low-cost borrowing backed by certificates. The Shared secured loan offers a competitive 2.75% APR, suitable for those leveraging savings as collateral. Unsecured options such as the Personal loan (12.5%) and Debt consolidation loan (13.5%) maintain consistent rates, providing predictable costs for managing credit or consolidating debt. Members should compare products based on collateral and rate to align with their financial goals and consider fixed-rate loans for payment certainty.
Y-12 FEDERAL CREDIT UNION
As of February 13, 2026, all Y-12 personal loan APRs remain stable with no changes over the past 30 days. The Share secured - installment loan offers the lowest rate at 2.0% APR, ideal for members seeking low-cost borrowing with collateral. For unsecured options, the Signature loan provides a competitive fixed rate of 12.49% APR, suitable for general personal financing needs. The Ultra loan and Access line of credit both hold steady at 13.99% APR and 14.49% APR, respectively, offering flexibility for those needing revolving credit or higher loan amounts. Members should compare these rates to align borrowing choices with their financial goals and consider fixed-rate loans for predictable payments. For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
LendMesh
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Conclusion
If you’re considering a personal loan this month, now is an excellent time to evaluate your options carefully. For those aiming to improve credit scores, the exceptionally low 1.0% credit builder loans can be a smart stepping stone toward stronger financial health. If you have assets like savings or certificates, leveraging these through secured loans can save you significant interest, don’t overlook offers as low as 2.0% APR across multiple credit unions. When consolidating debt or funding larger purchases without collateral, focus on signature and unsecured loans with rates under 11%, such as Lafayette’s and Trumark Financial’s offerings. Remember to check terms closely and consider your repayment ability to avoid surprises down the road. Keep an eye on weekly rate updates since even small shifts can impact your borrowing cost over time. Stay proactive by reviewing your personal loan needs regularly and connecting with your credit union for tailored advice, you might uncover new opportunities just around the corner!