Introduction
As of February 27, 2026, credit union members have access to some of the most attractive personal loan rates in recent weeks, presenting excellent opportunities to manage finances wisely. The standout low APRs come from secured loans, with several credit unions offering rates as low as 2.0% on certificate or share-secured loans at LAFAYETTE, CHARTER OAK, TEXAS DOW EMPLOYEES, ORNL, CRANE, DEL NORTE, and Y-12. For those seeking unsecured options, TRUMARK FINANCIAL offers a competitive 10.49% APR on unsecured-installment signature loans, while REDSTONE maintains steady rates around 10.89% for similar terms. Notably, no significant rate changes have occurred over the past month, providing stability and confidence for borrowers considering their next move. Whether you’re eyeing debt consolidation or planning for a big purchase, these consistently low rates, especially in secured products, make now an ideal time to explore your personal loan options.
Personal Loans
| Lender | Product | 2026-02-27 Current | 2026-02-12 15 Days Ago | 2025-08-31 180 Days Ago | 2026-01-28 30 Days Ago | 2026-01-13 45 Days Ago | 2025-12-29 60 Days Ago | 2026-02-20 7 Days Ago | 2025-11-29 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% |
| 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% | 2% | N/A | N/A | N/A | N/A | 2% | N/A |
| ORNL FEDERAL CREDIT UNION | Name share secured | 2% | 2% | 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% |
| DEL NORTE CREDIT UNION | Share or certificate secured | 2% | N/A | N/A | N/A | 2% | 2% | 2% | N/A |
| AFFINITY FEDERAL CREDIT UNION | Certificate secured loan | 2% | 2% | 2% | 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% | 2.75% | 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% | 4.99% | 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% | 7.375% | 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% | 9.99% | 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% |
| DEL NORTE CREDIT UNION | Unsecured personal loan | 10.49% | 10.49% | N/A | N/A | 10.49% | 10.49% | 10.49% | 10.49% |
| CHARTER OAK FEDERAL CREDIT UNION | Readi-cash too | 10.75% | 10.75% | N/A | 10.75% | 10.75% | 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% | 10.99% | 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% | 12.11% | 12.71% | 12.25% | 12.25% | 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% | 12.5% | 12.5% | 12.5% | 12.5% | 12.5% | 12.5% |
| DEL NORTE CREDIT UNION | Unsecured revolving line of credit | 12.99% | 12.99% | N/A | N/A | 12.99% | 12.99% | 12.99% | 12.99% |
| AFFINITY FEDERAL CREDIT UNION | Debt consolidation loan | 13.5% | 13.5% | 13.25% | 13.5% | 13.5% | 13.5% | 13.5% | 13.5% |
| AFFINITY FEDERAL CREDIT UNION | Privateline overdraft protection | 13.75% | 13.75% | 14.75% | 13.75% | 13.75% | 13.75% | 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% | 14.49% | 14.74% | 14.49% | 14.99% |
| REDSTONE FEDERAL CREDIT UNION | Personal stretch* | 17% | 17% | N/A | 17% | 17% | 17% | 17% | N/A |
| 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 27, 2026, REDSTONE personal loan rates remain stable across all products. The Credit builder loan holds the lowest APR at a consistent 1.0%, ideal for members establishing credit. For secured borrowing, the Share secured loan offers a low fixed rate of 3.0%, while the Home equity line of credit - classic stays steady at 7.375%. Unsecured options include the Personal unsecured signature loans at 10.89% (60 months) and 11.09% (72 months), unchanged over the past month. The Personal line of credit/overdraft rate remains near 12.11%, showing a slight decrease from 12.25% thirty days ago.
Members should compare these fixed and variable APRs to align borrowing costs with 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 February 27, 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 savings. For first-time borrowers, the First credit loan maintains a competitive 6.25% APR, matching the Term-share secured loan rate. Unsecured options like the Unsecured-installment signature loans hold steady at 10.49% APR, while debt consolidation through the Better choice program remains at a higher 18.0% APR. Members should compare these fixed-rate products to align borrowing costs with their financial goals.
TEXAS DOW EMPLOYEES CREDIT UNION
As of February 27, 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 APRs at 2.0%, ideal for members seeking low-cost borrowing secured by assets. The Personal loan and Home advantage loan provide fixed unsecured options at 7.14% and 7.24%, respectively, suitable for those preferring predictable payments. The Cash $tash line of credit maintains a consistent APR of 9.74%, offering flexible access to funds. Members should compare these products based on their security preferences and repayment certainty. For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of February 27, 2026, LAFAYETTE personal loan rates remain stable across all products, with no changes in APR over the past 30 days. The lowest available rate is 2.0% APR on both the Certificate secured and Share secured loans, offering cost-effective options for members seeking secured borrowing. For those building credit, the Credit builder loan holds steady at 3.0% APR. Unsecured borrowing includes the Signature loan at 8.99% APR, and the Line of credit remains at 9.99% APR, suitable for flexible funding needs. Members should review these fixed rates to align borrowing choices 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 February 27, 2026, CHARTER OAK’s personal loan rates remain stable across all products. The Readi-cash too loan and Unsecured personal loans hold steady at 10.75% APR and 7.75% APR respectively, with no changes over the past 30 days. The most competitive rate is the Secured personal loan at 2.0% APR, also unchanged. Members seeking low-cost borrowing may find the secured option attractive, while those preferring unsecured credit can consider the fixed-rate unsecured loans at moderate rates. Compare terms carefully to match your financial needs; consider fixed rates if you want predictable payments. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
ORNL FEDERAL CREDIT UNION
As of February 27, 2026, ORNL's personal loan rates remain stable across all products with no changes in APR over the past 30 days. The Name personal loan holds a consistent rate of 9.99%, suitable for members seeking straightforward unsecured borrowing. The Name personal line of credit is slightly higher at 10.99%, offering flexible access to funds when needed. For secured borrowing, both the Name share certificate secured and Name share secured loans provide the lowest available APR at 2.0%, ideal for members with collateral looking for reduced interest costs. Members should compare these options carefully and consider fixed-rate products if payment predictability is a priority. For more details, visit https://ornlfcu.com/personal/rates#personal-loans:~:text=below%20for%20details-,Other%20Loans,-NAME
CRANE CREDIT UNION
As of February 27, 2026, CRANE’s personal loan rates remain stable across all products 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 their savings. The Custom fit loans maintain a competitive unsecured rate at 10.25%, suitable for various personal financing needs. The Line of credit stands steady at 12.0% APR, providing flexible access to funds. Members should evaluate fixed-rate options like these to ensure predictable payments aligned with their financial goals.
For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
DEL NORTE CREDIT UNION
As of February 27, 2026, DEL NORTE's personal loan rates remain stable across all products. The Share or certificate secured loan holds the lowest APR at 2.0%, unchanged over the past week, offering a cost-effective option for members with savings to secure borrowing. Both the Unsecured personal loan and the Unsecured revolving line of credit maintain steady APRs at 10.49% and 12.99%, respectively, providing predictable borrowing costs for those without collateral. Members should consider their borrowing needs carefully; fixed-rate options like the unsecured personal loan offer payment certainty, while secured loans deliver lower rates if eligible. Compare these products based on your financial goals for best fit. For more details, visit https://www.dncu.com/personal/personal-loans/#rates.
AFFINITY FEDERAL CREDIT UNION
As of February 27, 2026, AFFINITY’s personal loan rates remain stable across all products, with no changes in APR over the past 30 days. The Certificate secured loan offers the lowest rate at 2.0% APR, ideal for members seeking low-cost, secured borrowing. The Shared secured loan also provides competitive terms at 2.75% APR. For unsecured needs, the Personal loan and Debt consolidation loan both hold steady at 12.5% and 13.5% APR, respectively; these suit members looking to consolidate debt or finance personal expenses without collateral. The Student loan consolidation program maintains a favorable fixed rate of 4.99% APR for education-related debt management.
Members should compare these options carefully based on their credit profile and borrowing purpose; consider fixed-rate loans if payment predictability is a priority. For more details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Personal%20Loans,-RV%20%26%20Motorcycle%20Loans.
Y-12 FEDERAL CREDIT UNION
As of February 27, 2026, all Y-12 personal loan rates remain steady with no changes over the past 30 days. The Share secured - installment loan offers the lowest APR at 2.0%, ideal for members seeking low-cost borrowing backed by savings. Among unsecured options, the Signature loan has a competitive rate of 12.49%, while the Ultra loan stands at 13.99%, both unchanged and suitable for various borrowing needs. The Access line of credit maintains a consistent APR of 14.49%, providing flexible access to funds without rate fluctuations. Members should review these fixed-rate options carefully to match their financial goals and risk tolerance. For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
LendMesh
You don’t need to settle for the first offer that pops up online. At LendMesh, we’ve built a platform that lets you explore multiple personal loan offers from trusted banks and credit unions—all in one spot. Whether it’s a planned expense or a sudden surprise, we help you make smart decisions quickly. Compare today at https://www.lendmesh.com/loans/personal_loans and choose what’s right for you.
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Conclusion
When it comes to tackling debt consolidation, emergency expenses, or funding major life events, choosing the right loan can make all the difference. Focus on securing the lowest possible APR by comparing both secured and unsecured loan options, secured loans often offer lower rates but require collateral. Keep in mind that consistent rates over the past 30 days mean there’s no rush to lock in a high rate; instead, take this opportunity to evaluate your financial needs carefully. Don’t overlook specialty programs like credit builder loans if you’re working on boosting your credit profile or student loan consolidation options if applicable. Before committing, review your credit union’s terms and stay informed by checking updated rates regularly, your best financial move might be just one smart decision away.