Introduction
As of March 20, 2026, credit union members are finding some of the most attractive personal loan rates in recent weeks, making this an excellent time to explore financing options. For those seeking the lowest APRs, secured loans shine brightest, Texas Dow Employees and Lafayette both offer certificate and share-secured loans at just 2.00% APR, providing a low-cost borrowing option for members with collateral. Signature loans remain competitively priced too, with Lafayette’s signature loan steady at 8.99% APR and Apple’s signature loan holding firm at 9.99% APR. Notably, unsecured personal loan rates across credit unions like Del Norte and Trumark Financial remain consistent around the 10.49% mark, offering reliable choices for members without collateral. While many rates have remained stable over the past month, these consistently low secured loan rates present a prime opportunity for debt consolidation or emergency funding. Whether you’re planning a big purchase or managing unexpected expenses, today’s rate landscape is encouraging, and there’s real potential to save on interest by choosing the right product.
Personal Loans
| Lender | Product | 2026-03-20 Current | 2026-03-05 15 Days Ago | 2025-09-21 180 Days Ago | 2026-02-18 30 Days Ago | 2026-02-03 45 Days Ago | 2026-01-19 60 Days Ago | 2026-03-13 7 Days Ago | 2025-12-20 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% | N/A | 2% | 2% |
| APPLE FEDERAL CREDIT UNION | Savings secured | 2% | 2% | 3% | 3% | 3% | N/A | 2% | 3% |
| 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% | 2% | N/A | 2% | 2% |
| 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% | 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% | 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% |
| 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% | 7.625% |
| CHARTER OAK FEDERAL CREDIT UNION | Unsecured personal loan | 7.75% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 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% |
| APPLE FEDERAL CREDIT UNION | Signature loan | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% |
| 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% | 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% | N/A | 10.75% | 11% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 60 months | 10.79% | 10.79% | 11.19% | 10.89% | 10.89% | 10.89% | 10.79% | 10.89% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 72 months | 10.99% | 10.99% | 11.39% | 11.09% | 11.09% | 11.09% | 10.99% | 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% |
| 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% | 12.09% | 12.51% | 12.11% | 12.11% | 12.25% | 12.09% | 12.27% |
| Y-12 FEDERAL CREDIT UNION | Signature loan | 12.49% | 12.49% | 12.49% | 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 | 12.99% | 12.99% | N/A | 12.99% | 12.99% |
| AFFINITY FEDERAL CREDIT UNION | Debt consolidation loan | 13.5% | 13.5% | 13.5% | 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% | 13.75% |
| Y-12 FEDERAL CREDIT UNION | Ultra loan | 13.99% | 13.99% | 13.99% | 13.99% | 13.99% | 13.99% | 13.99% | 13.99% |
| Y-12 FEDERAL CREDIT UNION | Access line of credit | 14.49% | 14.49% | 15.24% | 14.49% | 14.49% | 14.49% | 14.49% | 14.74% |
| 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 20, 2026, REDSTONE’s personal loan APRs remain largely stable. The lowest APR continues to be the Credit builder loan at 1.0%, unchanged over the past month, ideal for members establishing credit. The Share secured loan offers a steady 3.0% APR, providing a low-cost borrowing option backed by savings. Unsecured signature loans show slight decreases; the 60-month rate dropped by 0.10 percentage points to 10.79%, and the 72-month rate declined similarly to 10.99%. The Personal line of credit/overdraft is steady at 12.09%, with a minor dip from 12.11% a month ago. Fixed-rate products like the Personal stretch remain at 17.0% APR while the Home equity line holds firm at 7.375%.
Members should compare fixed versus variable options carefully and consider secured loans for lower costs when feasible.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal,
TRUMARK FINANCIAL CREDIT UNION
As of March 20, 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 rate at 1.8% APR, ideal for members with savings to leverage. For unsecured borrowing, the First credit loan and Term-share secured loan both stand at a competitive 6.25% APR, suitable for first-time borrowers or those seeking moderate rates. The Unsecured-installment signature loans carry a higher rate of 10.49% APR, while the Better choice program remains at 18.0% APR, reflecting its risk profile. Members should compare these fixed rates carefully to match their financial goals and consider secured options for lower costs. For more details, visit https://www.trumarkonline.org/rates/#:~:text=Signature%20Loan%20Rates-,Account%20%C2%A0,-Term%20%C2%A0
TEXAS DOW EMPLOYEES CREDIT UNION
As of March 20, 2026, TEXAS DOW EMPLOYEES credit union personal loan rates remain stable across all products. The Personal loan holds an APR of 7.14%, unchanged over the past 30 days, offering a competitive unsecured borrowing option. For members seeking the lowest cost, both the Certificate of deposit secured loan and Share secured loan maintain the lowest APR at 2.0%, providing strong value for those with collateral. The Cash $tash line of credit and Home advantage loan also hold steady at 9.74% and 7.24%, respectively. Members should compare these fixed rates carefully to match their credit needs and consider secured options for lower APRs.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of March 20, 2026, LAFAYETTE credit union’s personal loan rates remain stable across all products with no changes in APR over the past 30 days. The lowest rates are on Certificate secured and Share secured loans, both 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 building or improving credit. For unsecured options, the Signature loan offers a competitive fixed rate of 8.99% APR, while the flexible Line of credit remains at 9.99% APR. Members should compare these fixed and variable rate options based on their borrowing goals and payment preferences. 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 20, 2026, CHARTER OAK maintains steady rates across its personal loan products. The Readi-cash too loan holds an unchanged APR of 10.75%, reflecting consistent borrowing costs over the past month. The Secured personal loan offers the lowest APR at 2.0%, stable for 30 days, ideal for members seeking collateral-backed financing with predictable payments. The newly listed Unsecured personal loan features a competitive 7.75% APR, providing an affordable option without collateral for qualified borrowers. Members should compare these fixed-rate options based on their borrowing needs and consider secured loans if aiming for the lowest rates.
For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
APPLE FEDERAL CREDIT UNION
As of March 20, 2026, APPLE’s Savings secured loan offers the lowest APR at 2.00%, improving by 1.00 percentage point (100 bps) over the past month, making it an attractive option for members seeking low-cost, collateral-backed borrowing. Both the Educator and First responder lines of credit maintain steady rates at 6.75%, providing consistent terms for those professions. Unsecured options include the Signature loan at 9.99% and the Signature line of credit at 10.99%, with no rate changes in the last 30 days, suitable for members preferring fixed or flexible repayment plans. Compare these options based on your borrowing needs and consider fixed-rate loans for payment stability. For more details, visit https://www.applefcu.org/loans/personalloans.
CRANE CREDIT UNION
As of March 20, 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 unsecured rate of 10.25% APR, suitable for flexible borrowing needs. The Line of credit is steady at 12.0% APR, providing revolving access to funds. Members should assess their borrowing goals and consider fixed-rate options for predictable payments. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
DEL NORTE CREDIT UNION
As of March 20, 2026, DEL NORTE credit union’s personal loan rates remain stable with no changes over the past 30 days. The Share or certificate secured loan offers the lowest APR at 2.0%, ideal for members seeking low-cost borrowing secured by savings. The Unsecured personal loan holds steady at 10.49% APR, suitable for borrowers needing fixed-rate financing without collateral. Meanwhile, the Unsecured revolving line of credit stays at 12.99% APR, providing flexible access to funds with variable use. Members should review their borrowing needs carefully and consider fixed-rate options like unsecured loans for predictable payments. For more details, visit https://www.dncu.com/personal/personal-loans/#rates.
AFFINITY FEDERAL CREDIT UNION
As of March 20, 2026, AFFINITY’s personal loan rates remain stable with no changes over the past 30 days. The Certificate secured loan offers the lowest APR at 2.0%, ideal for members seeking low-cost borrowing backed by certificates. The Shared secured loan follows closely at 2.75%, providing another affordable secured option. Among unsecured products, the Personal loan holds a consistent APR of 12.5%, while the Debt consolidation loan and Privateline overdraft protection maintain higher rates at 13.5% and 13.75%, respectively. The Student loan consolidation program stands out with a competitive fixed APR of 4.99%.
Members should review their borrowing needs carefully and consider fixed-rate options like secured loans or student consolidation for payment certainty and cost efficiency.
Y-12 FEDERAL CREDIT UNION
As of March 20, 2026, Y-12's personal loan rates remain stable across all products. The Share secured - installment loan holds the lowest APR at 2.0%, ideal for members seeking low-cost borrowing backed by savings. Unsecured options like the Signature loan at 12.49% APR and the Ultra loan at 13.99% APR offer fixed rates with no change over the past month, providing predictable payments. The Access line of credit maintains a consistent rate of 14.49% APR, suitable for flexible borrowing needs. Members should review these steady rates carefully and consider fixed-rate loans for budget certainty. For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
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Conclusion
If you’re considering consolidating high-interest debt or preparing for upcoming expenses, now is an ideal moment to act on these competitive personal loan rates from credit unions nationwide. Secured loans at or near 2% APR can dramatically reduce your borrowing costs if you have qualifying collateral like certificates or savings accounts. For those needing unsecured options, signature loans under 11% APR provide a solid balance between flexibility and affordability. Remember to review terms carefully and evaluate how each product aligns with your financial goals. Don’t overlook specialized programs like credit builder loans if you’re working to improve your credit profile over time. Rates tend to shift gradually, so staying informed by checking back next week will help you catch any new opportunities early. Above all, approach borrowing thoughtfully, using these low-rate offers strategically can empower your financial future while keeping costs manageable.