Introduction
As of March 6, 2026, credit union members have some fantastic personal loan opportunities to consider. If you’re looking for the lowest APRs, secured loans are shining bright with rates as low as 1.8% at Trumark Financial and several others offering 2.0% share or certificate secured loans, ideal for those who want a safe, affordable borrowing option. For unsecured loan seekers, signature loans around 8.99% at Lafayette Credit Union and 9.99% at Apple and ORNL provide competitive options without collateral. Notably, most rates remain stable this month, ensuring predictability for your financial planning. Whether you’re aiming to consolidate debt, manage an emergency, or finance a big purchase, credit unions like Redstone and Texas Dow Employees also offer competitive home equity and personal lines of credit with attractive terms. Today’s rate landscape is full of promising pathways tailored to diverse member needs.
Personal Loans
| Lender | Product | 2026-03-06 Current | 2026-02-19 15 Days Ago | 2025-09-07 180 Days Ago | 2026-02-04 30 Days Ago | 2026-01-20 45 Days Ago | 2026-01-05 60 Days Ago | 2026-02-27 7 Days Ago | 2025-12-06 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% | N/A | 2% | 2% | 2% | 2% | 2% | 2% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Share secured loan | 2% | N/A | 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% | N/A | 2% | 2% | 2% |
| APPLE FEDERAL CREDIT UNION | Savings secured | 2%▼ 100 bps | 3% | 3% | 3% | 3% | N/A | 3% | 3% |
| ORNL FEDERAL CREDIT UNION | Name share certificate secured | 2% | 2% | 2% | 2% | N/A | N/A | 2% | N/A |
| ORNL FEDERAL CREDIT UNION | Name share secured | 2% | 2% | 2% | 2% | 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% | 2% | N/A | 2% | N/A | 2% | 2% | N/A |
| AFFINITY FEDERAL CREDIT UNION | Certificate secured loan | 2% | 2% | 2% | 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% | N/A |
| 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% |
| APPLE FEDERAL CREDIT UNION | Educator line of credit | 6.75% | 6.75% | 7.5% | 6.75% | 6.75% | 6.75% | 6.75% | 7% |
| APPLE FEDERAL CREDIT UNION | First responder line of credit | 6.75% | 6.75% | 7.5% | 6.75% | 6.75% | 6.75% | 6.75% | 7% |
| 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% | 7.375% | 7.375% | N/A |
| 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% | N/A | 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% |
| APPLE FEDERAL CREDIT UNION | Signature loan | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% |
| ORNL FEDERAL CREDIT UNION | Name personal | 9.99% | 9.99% | 9.99% | 9.99% | 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 | 10.49% | N/A | 10.49% | 10.49% | 10.49% |
| LAFAYETTE FEDERAL CREDIT UNION | Home improvement loan (10 years) | 10.74% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| LAFAYETTE FEDERAL CREDIT UNION | Home improvement loan (12 years) | 10.74% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| LAFAYETTE FEDERAL CREDIT UNION | Home improvement loan (15 years) | 10.74% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| LAFAYETTE FEDERAL CREDIT UNION | Home improvement loan (5 years) | 10.74% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| CHARTER OAK FEDERAL CREDIT UNION | Readi-cash too | 10.75% | 10.75% | N/A | 10.75% | N/A | N/A | 10.75% | 11% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 60 months | 10.79%▼ 10 bps | 10.89% | 11.19% | 10.89% | 10.89% | 10.89% | 10.89% | 10.89% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 72 months | 10.99%▼ 10 bps | 11.09% | 11.39% | 11.09% | 11.09% | 11.09% | 11.09% | 11.09% |
| APPLE FEDERAL CREDIT UNION | Signature line of credit | 10.99% | 10.99% | 11.74% | 10.99% | 10.99% | 10.99% | 10.99% | 11.24% |
| ORNL FEDERAL CREDIT UNION | Name personal line of credit | 10.99% | 10.99% | 11.74% | 10.99% | N/A | N/A | 10.99% | N/A |
| CRANE CREDIT UNION | Line of credit | 12% | 12% | N/A | 12% | 12% | 12% | 12% | 12% |
| REDSTONE FEDERAL CREDIT UNION | Personal line of credit/overdraft | 12.09%▼ 2 bps | 12.11% | 12.51% | 12.11% | 12.25% | 12.25% | 12.11% | N/A |
| 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 | 12.99% | N/A | 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% |
| REDSTONE FEDERAL CREDIT UNION | Personal stretch* | 17% | 17% | 17% | 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 March 6, 2026, REDSTONE personal loan rates remain stable across all products. The Credit Builder Loan holds the lowest APR at 1.0%, unchanged over the past month, ideal for members establishing credit. The most affordable secured option is the Share Secured Loan at 3.0% APR, also steady. Unsecured signature loans offer competitive fixed rates of 10.79% (60 months) and 10.99% (72 months), both slightly down by 0.10 percentage points (10 bps) compared to two weeks ago. Variable-rate products like the Home Equity Line of Credit - Classic and the Personal Line of Credit/Overdraft remain unchanged near 7.375% and 12.09%, respectively. Members should compare fixed and variable options carefully to match their repayment goals.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TRUMARK FINANCIAL CREDIT UNION
As of March 6, 2026, TRUMARK FINANCIAL’s personal loan APRs remain stable across all products 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 unsecured options, the First credit loan stands at a competitive 6.25% APR, suitable for first-time borrowers or those building credit. The Unsecured-installment signature loans carry a moderate rate of 10.49%, while stock-backed and term-share secured loans maintain steady rates at 8.49% and 6.25%, respectively. Members should compare fixed and secured options based on their credit profile and collateral availability.
TEXAS DOW EMPLOYEES CREDIT UNION
As of March 6, 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 with collateral seeking minimal borrowing costs. For unsecured options, the Personal loan holds a consistent 7.14% APR, while the Home advantage loan is slightly higher at 7.24%, suitable for members prioritizing home-related expenses. The Cash $tash line of credit maintains a steady 9.74% APR, providing flexible access to funds. Members should review these fixed-rate options carefully to align borrowing choices with their financial goals.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of March 6, 2026, LAFAYETTE personal loan rates remain steady with no changes over the past 30 days. The Certificate secured, Credit builder, and Share secured loans hold the lowest APR at 2.0%, ideal for members seeking low-cost, secured borrowing options. The Signature loan offers a competitive unsecured rate at 8.99% APR, while the Line of credit maintains a consistent rate of 9.99% for flexible borrowing needs. Newly listed Home improvement loans carry a fixed rate of 10.74% APR across terms from 5 to 15 years, catering to long-term project financing. Compare products based on your borrowing goals and consider fixed-rate loans if you prioritize payment stability. 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 March 6, 2026, CHARTER OAK personal loan rates remain stable across all products. The Readi-cash too loan holds steady at 10.75% APR, unchanged over the past 30 days. The Secured personal loan offers the lowest rate at 2.0% APR, consistent for the month, ideal for members with collateral seeking low-cost borrowing. Meanwhile, Unsecured personal loans maintain a competitive fixed rate of 7.75% APR, suitable for those without security requirements. Members should review these fixed rates carefully and consider secured options for lower interest costs or unsecured loans for flexibility.
For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
APPLE FEDERAL CREDIT UNION
As of March 6, 2026, APPLE’s Savings secured loan APR has decreased to 2.00%, down by 1.00 percentage point (100 bps) over the last month, now representing the lowest available rate for members seeking secured borrowing. The Educator line of credit and First responder line of credit remain stable at 6.75% APR, providing consistent options for those professions. Unsecured borrowing costs hold steady with the Signature loan at 9.99% and the Signature line of credit at 10.99% APR. Members should compare fixed and variable options carefully based on their financial goals and risk tolerance. For more details, visit https://www.applefcu.org/loans/personalloans.
ORNL FEDERAL CREDIT UNION
As of March 6, 2026, ORNL’s personal loan rates remain stable across all products with no changes over the past 30 days. The Name personal loan holds an APR of 9.99%, while the Name personal line of credit is slightly higher at 10.99%. For members seeking the lowest borrowing cost, the Name share certificate secured and Name share secured loans both offer a notably low APR of 2.0%, ideal for those able to provide collateral. Consider comparing these fixed-rate options carefully to match your borrowing needs and risk tolerance. For more details, visit https://ornlfcu.com/personal/rates#personal-loans:~:text=below%20for%20details-,Other%20Loans,-NAME
CRANE CREDIT UNION
As of March 6, 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 affordable borrowing backed by savings. The Custom fit loans and Line of credit hold steady at 10.25% and 12.0% APR, respectively, providing flexible unsecured options for various borrowing needs. Members should review these fixed-rate choices carefully to align with their financial goals and consider secured loans for lower costs when possible. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
DEL NORTE CREDIT UNION
As of March 6, 2026, DEL NORTE’s Share or certificate secured loan maintains the lowest APR at a steady 2.0%, unchanged over the past 30 days. The Unsecured personal loan remains fixed at 10.49% APR, offering a consistent rate for members seeking unsecured financing without collateral. Similarly, the Unsecured revolving line of credit holds steady at 12.99% APR with no recent changes. Members prioritizing low-cost borrowing should consider the secured option for the lowest rate, while those needing flexible access may evaluate unsecured loans or lines of credit. Comparing these fixed rates can help align choices with individual financial goals and risk tolerance. For more details, visit https://www.dncu.com/personal/personal-loans/#rates.
AFFINITY FEDERAL CREDIT UNION
As of March 6, 2026, all AFFINITY personal loan rates remain stable with no changes over the past 30 days. The lowest available APR is 2.0% on the Certificate secured loan, ideal for members seeking low-cost borrowing backed by certificates. The Shared secured loan also offers a competitive rate at 2.75%. For unsecured needs, both the Personal loan at 12.5% APR and the Debt consolidation loan at 13.5% APR provide fixed-rate options suitable for debt management or general borrowing. Members should compare these products carefully and consider fixed-rate loans to maintain payment predictability.
LendMesh
Not all personal loans are created equal. Some come with fine print, high fees, and confusing conditions. At LendMesh, we cut through that clutter. Our platform brings together trusted credit unions and banks so you can compare real rates, get real advice, and make confident decisions. Whether it’s for debt consolidation, home needs, or a personal project, visit https://www.lendmesh.com/loans/personal_loans and find your perfect fit today.
Conclusion
When exploring personal loans this week, remember that choosing the right loan type can save you significant money over time, secured loans often deliver the lowest APRs but require collateral, while unsecured options offer flexibility without risking assets. If debt consolidation is your goal, look closely at signature loans near 9% APR or better to reduce interest costs efficiently. For emergencies or unexpected expenses, lines of credit with stable rates provide quick access to funds without the hassle of reapplying repeatedly. Don’t wait to seize these favorable rates; check your credit union’s current offers regularly because even small changes can impact your borrowing cost. Finally, stay proactive by comparing terms carefully and considering your repayment ability before committing. Your best financial moves start with informed decisions, keep an eye on next week’s updates to catch any new opportunities!