Introduction
As of March 13, 2026, credit union members have plenty of excellent personal loan options to explore, whether you’re aiming to consolidate debt, handle an emergency, or plan a big purchase. Today’s standout opportunity comes from several credit unions offering secured loans with APRs as low as 2.0%, including share secured and certificate secured loans from TEXAS DOW EMPLOYEES, LAFAYETTE, CHARTER OAK, EASTMAN, CRANE, DEL NORTE, and AFFINITY. For unsecured borrowing needs, competitive signature loan rates hover around 7.75% at CHARTER OAK and 7.14% at TEXAS DOW EMPLOYEES, providing affordable financing for those who qualify. Share-secured loans continue to deliver some of the lowest risk-based rates in the market, such as TRUMARK FINANCIAL’s ultra-low 1.8% APR offer. Importantly, these rates have remained steady over the past month, giving borrowers confidence in today’s stable lending environment. Whether you’re building credit with REDSTONE’s 1.0% credit builder program or seeking flexible lines of credit like TEXAS DOW EMPLOYEES’ Cash $tash at 9.74%, there are tailored solutions designed to fit your financial goals right now.
Personal Loans
Credit Union
Product
2026-03-13
(Current Day)
(Current Day)
2026-02-26
(15 Days Ago)
(15 Days Ago)
2025-09-14
(180 Days Ago)
(180 Days Ago)
2026-02-11
(30 Days Ago)
(30 Days Ago)
2026-01-27
(45 Days Ago)
(45 Days Ago)
2026-01-12
(60 Days Ago)
(60 Days Ago)
2026-03-06
(7 Days Ago)
(7 Days Ago)
2025-12-13
(90 Days Ago)
(90 Days Ago)
Home equity line of credit - classic
7.375
7.375
8.125▲ 75 bps
7.375
7.375
7.375
7.375
7.625▲ 25 bps
Personal line of credit/overdraft
12.09
12.11▲ 2 bps
12.51▲ 42 bps
12.11▲ 2 bps
12.25▲ 16 bps
12.25▲ 16 bps
12.09
12.27▲ 18 bps
Personal unsecured signature - 60 months
10.79
10.89▲ 10 bps
11.19▲ 40 bps
10.89▲ 10 bps
10.89▲ 10 bps
10.89▲ 10 bps
10.79
10.89▲ 10 bps
Personal unsecured signature - 72 months
10.99
11.09▲ 10 bps
11.39▲ 40 bps
11.09▲ 10 bps
11.09▲ 10 bps
11.09▲ 10 bps
10.99
11.09▲ 10 bps
Unsecured-installment signature loans
10.49
10.49
10.49
10.49
10.49
10.49
10.49
10.49
First responder line of credit
6.75
6.75
7.5▲ 75 bps
6.75
6.75
6.75
6.75
7▲ 25 bps
Signature line of credit
10.99
10.99
11.74▲ 75 bps
10.99
10.99
10.99
10.99
11.24▲ 25 bps
Privateline overdraft protection
13.75
13.75
14.75▲ 100 bps
13.75
13.75
13.75
13.75
14▲ 25 bps
REDSTONE FEDERAL CREDIT UNION
As of March 13, 2026, REDSTONE’s personal loan rates remain stable with no changes over the past month. The Share Secured Loan offers the lowest APR at 3.0%, ideal for members seeking low-risk borrowing. Among unsecured options, the 60-month Personal Unsecured Signature Loan holds a competitive rate at 10.79%, slightly lower than the 72-month term at 10.99%. The Credit Builder Loan maintains a steady 1.0% APR, suited for first-time borrowers aiming to build credit. Members considering flexible borrowing might evaluate the Home Equity Line of Credit - Classic at 7.375% or the Personal Line of Credit/Overdraft near 12.09% APR. Comparing fixed-rate loans can provide payment predictability aligned with individual financial goals.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal,
TRUMARK FINANCIAL CREDIT UNION
As of March 13, 2026, TRUMARK FINANCIAL’s personal loan rates remain stable with no changes in APRs over the past 30 days. The Share-secured loan offers the lowest rate at 1.8% APR, ideal for members seeking low-cost borrowing backed by their shares. For unsecured options, the Unsecured-installment signature loans carry a steady rate of 10.49% APR, suitable for flexible borrowing without collateral. First-time borrowers may benefit from the consistently low First credit loan at 6.25% APR. Members should review product terms carefully and consider fixed-rate options if they prefer predictable payments.
TEXAS DOW EMPLOYEES CREDIT UNION
As of March 13, 2026, TEXAS DOW EMPLOYEES credit union’s personal loan rates 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-risk borrowing options. Unsecured loans like the Personal loan and Home advantage loan hold steady at 7.14% and 7.24%, respectively, suitable for flexible financing needs. The Cash $tash line of credit maintains a consistent APR of 9.74%. Members should evaluate their borrowing goals and consider fixed-rate products for predictable payments.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured
LAFAYETTE FEDERAL CREDIT UNION
As of March 13, 2026, LAFAYETTE credit union’s personal loan APRs remain stable with no changes over the past 30 days. The lowest rates are on Certificate secured and Share secured loans at 2.0% APR, ideal for members seeking low-cost, collateral-backed borrowing. The Credit builder loan holds steady at 3.0% APR, supporting members establishing or improving credit. For unsecured options, the Signature loan maintains an 8.99% APR, while the Line of credit remains at 9.99% APR for flexible borrowing needs. Members should compare fixed-rate and line of credit products based on their repayment preferences for better financial planning. 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 13, 2026, CHARTER OAK's personal loan rates remain stable across all products. The Secured Personal Loan offers the lowest APR at 2.0%, unchanged over the past 30 days, ideal for members seeking low-cost borrowing with collateral. The Unsecured Personal Loans hold steady at 7.75% APR, providing flexible options without security requirements. Meanwhile, the Readi-cash Too product remains fixed at 10.75% APR, consistent for a month. Members should evaluate their borrowing needs carefully and consider secured loans for lower rates or unsecured options for convenience and flexibility.
For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
APPLE FEDERAL CREDIT UNION
As of March 13, 2026, APPLE’s Savings secured loan offers the lowest APR at 2.00%, down by 1.00 percentage point (100 bps) from 30 days ago, improving borrowing affordability for members with savings collateral. Both the Educator line of credit and First responder line of credit remain steady at 6.75% APR, providing consistent rates for qualified professionals. Unsecured options hold firm: the Signature loan at 9.99% and the Signature line of credit at 10.99% show no change over the past month. Members should compare fixed-rate and secured products for long-term cost control aligned with their financial goals. For more details, visit https://www.applefcu.org/loans/personalloans.
EASTMAN CREDIT UNION
As of March 13, 2026, EASTMAN’s Certificate secured loan and Share secured loan maintain a consistent 2.0% APR, offering the lowest borrowing costs among available options. The Fixed rate personal loan remains steady at 8.45% APR, providing payment certainty for members who prefer a stable rate. There have been no changes in rates over the past 30 days, ensuring predictable borrowing costs. Members seeking affordable, low-rate loans with collateral may find secured loans most advantageous, while those valuing fixed payments should consider the fixed-rate option. Compare these products carefully to align with your financial needs. For more details, visit https://www.ecu.org/borrow/personal-loans/personal-loan#section-1.
CRANE CREDIT UNION
As of March 13, 2026, CRANE’s personal loan rates remain stable with no changes over the past 30 days. The Custom Fit Loans hold steady at 10.25% APR, offering a consistent unsecured borrowing option. The Line of Credit rate is unchanged at 12.0% APR, suitable for members seeking flexible access to funds. The most competitive rate is on the Loan Secured by Savings at 2.0% APR, ideal for members prioritizing low-cost, secured financing. Members should review their borrowing needs carefully and consider fixed-rate options like these for predictable payments and long-term planning.
For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
DEL NORTE CREDIT UNION
As of March 13, 2026, DEL NORTE's personal loan rates remain stable across all products. The Share or certificate secured loan offers the lowest APR at 2.0%, unchanged over the past month, ideal for members seeking low-cost borrowing with collateral. The Unsecured personal loan holds steady at 10.49% APR, providing a fixed-rate option for members needing predictable payments without security. Meanwhile, the Unsecured revolving line of credit maintains an APR of 12.99%, suitable for flexible borrowing but at a higher cost. Members should compare these options carefully and consider fixed-rate loans for payment certainty.
For more details, visit https://www.dncu.com/personal/personal-loans/#rates.
AFFINITY FEDERAL CREDIT UNION
As of March 13, 2026, all AFFINITY personal loan rates remain stable with no changes over the past 30 days. The lowest APR is on the Certificate secured loan at 2.0%, ideal for members seeking low-cost borrowing backed by certificates. The Shared secured loan offers a slightly higher rate of 2.75%, providing another secured option. Among unsecured products, the Personal loan holds a steady 12.5% APR, while the Debt consolidation loan and Privateline overdraft protection are at 13.5% and 13.75%, respectively. The Student loan consolidation program remains competitive at 4.99% APR. Members should compare these fixed-rate products to align borrowing choices with their financial goals.
LendMesh
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Conclusion
When considering a personal loan this season, it pays to prioritize secured options for their lower APRs, especially if you have collateral like savings or certificates available. These can significantly reduce your borrowing costs and free up cash flow faster. If unsecured loans better suit your situation, look closely at competitive signature loans near or below 8%, which provide manageable payments without sacrificing flexibility. Remember to review your credit score and debt-to-income ratio before applying, they heavily influence the rates offered. For debt consolidation or emergency expenses, locking in a stable rate today can protect you against future increases. Keep an eye on products like share-secured loans that consistently deliver outstanding value across credit unions nationwide. Above all, take time each week to compare updated rates and terms, ensuring you find the best fit as offers evolve with market conditions. Your next smart move could be just one application away, stay informed and empowered!