Introduction
On March 27, 2026, credit union members have plenty of reason to feel optimistic about securing affordable personal loans tailored to their needs. Today’s data reveals some truly competitive APRs that can help you tackle everything from debt consolidation to emergency expenses or a big life event. Notably, secured loans continue to offer the lowest rates, with several credit unions like Del Norte, Lafayette, and Charter Oak offering share or certificate secured loans at an exceptionally low 2.0% APR. If you’re looking for unsecured options, TRUMARK FINANCIAL’s unsecured installment signature loans remain attractive at 10.49% APR, while Redstone’s personal unsecured signature loans hover just above at around 10.79% to 10.99% APR depending on the term length. For those interested in specialized products, Affinity Credit Union provides a student loan consolidation program at a competitive 4.99% APR, making it a standout choice for education-related borrowing. Meanwhile, Texas Dow Employees Credit Union shines with personal loans at a stable 7.14% APR, ideal for straightforward financing needs. Overall, rates have remained steady over the past month with no significant fluctuations, giving borrowers confidence in locking in today’s favorable terms.
Personal Loans
Credit Union
Product
2026-03-27
(Current Day)
(Current Day)
2026-03-12
(15 Days Ago)
(15 Days Ago)
2025-09-28
(180 Days Ago)
(180 Days Ago)
2026-02-25
(30 Days Ago)
(30 Days Ago)
2026-02-10
(45 Days Ago)
(45 Days Ago)
2026-01-26
(60 Days Ago)
(60 Days Ago)
2026-03-20
(7 Days Ago)
(7 Days Ago)
2025-12-27
(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
12.09
12.51▲ 42 bps
12.11▲ 2 bps
12.11▲ 2 bps
12.25▲ 16 bps
12.09
12.27▲ 18 bps
Personal unsecured signature - 60 months
10.79
10.79
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
10.99
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
14.25▲ 50 bps
13.75
13.75
13.75
13.75
13.75
REDSTONE FEDERAL CREDIT UNION
As of March 27, 2026, REDSTONE’s personal loan rates remain stable with no changes in most products over the last 30 days. The lowest APR continues to be the Credit Builder Loan at 1.0%, ideal for members establishing or improving credit. The Share Secured Loan holds a consistent 3.0% APR, offering a low-cost option for members with savings collateral. Unsecured signature loans for 60 and 72 months show slight stability with minor decreases of about 0.10 percentage points over the past month, now at 10.79% and 10.99% APR respectively. The Personal Line of Credit/Overdraft remains at 12.09%, unchanged except a minimal dip from 12.11%. Members should compare fixed-rate options like signature loans for predictable payments or consider secured loans to access lower rates.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TRUMARK FINANCIAL CREDIT UNION
As of March 27, 2026, TRUMARK FINANCIAL 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 backed by savings. For unsecured options, Unsecured-installment signature loans carry a fixed rate of 10.49%, while the First credit loan provides a competitive 6.25% APR, suited for first-time borrowers building credit. Members looking to leverage investments may consider the Stock loans to 75% of value at 8.49% APR. Comparing fixed-rate products can help determine the best fit for your financial goals.
TEXAS DOW EMPLOYEES CREDIT UNION
As of March 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 a consistent 2.00%, ideal for members seeking secured borrowing options with minimal cost. For unsecured needs, the Personal Loan holds steady at 7.14%, while the Home Advantage Loan is slightly higher at 7.24%, both suitable for various financing purposes. The Cash $tash Line of Credit remains unchanged at 9.74%, providing flexible access to funds. Members should compare these fixed-rate products to identify the best fit for their financial goals and consider secured loans if aiming for lower rates.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of March 27, 2026, LAFAYETTE credit union’s personal loan rates remain steady with no changes over the past 30 days. The lowest APR is 2.0% for both Certificate secured and Share secured loans, ideal for members seeking low-cost, collateral-backed borrowing. The Credit builder loan holds firm at 3.0% APR, supporting first-time or rebuilding borrowers. For unsecured options, the Signature loan offers a consistent 8.99% APR, while the Line of credit remains at 9.99% APR, providing flexible borrowing but at higher rates. Members should assess their needs carefully and consider fixed-rate products to maintain payment certainty.
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 27, 2026, CHARTER OAK maintains stable rates across its personal loan offerings. The Readi-cash too and Secured personal loan products hold steady at 10.75% APR and the lowest rate of 2.0% APR, respectively, with no changes in the past 30 days. The Unsecured personal loans also remain consistent at 7.75% APR, providing a competitive option for members seeking unsecured borrowing. Members prioritizing low-cost borrowing may consider the secured personal loan for the lowest APR, while those needing flexible unsecured funds have a reliable rate at 7.75%. Compare these fixed-rate options carefully to match your financial goals.
For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
APPLE FEDERAL CREDIT UNION
As of March 27, 2026, all APPLE personal loan rates remain stable with no changes over the past 30 days. The Savings secured (certificates) loan offers the lowest APR at 2.00%, ideal for members seeking low-risk borrowing backed by certificates. The Savings secured (regular savings) product follows at 3.00%, providing another affordable secured option. For unsecured borrowing, the Signature loan maintains a competitive fixed rate of 9.99%, while the Signature line of credit stands at 10.99%. Both educator and first responder lines of credit hold steady at 6.75% APR, supporting specific member groups with consistent terms. Compare these options based on your collateral and repayment preferences to select the most appropriate solution.
For more details, visit https://www.applefcu.org/loans/personalloans,
CRANE CREDIT UNION
As of March 27, 2026, CRANE's personal loan rates remain steady across all products with no changes over 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 savings. The Custom fit loans carry a competitive fixed rate of 10.25% APR, suitable for general personal financing needs. The Line of credit holds steady at 12.0% APR, offering flexible access to funds without rate fluctuations. Members should compare these options based on their borrowing goals and consider fixed-rate loans for payment certainty. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
DEL NORTE CREDIT UNION
As of March 27, 2026, DEL NORTE’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 their savings. The Unsecured Personal Loan holds steady at 10.49% APR, suitable for those needing a fixed-rate option without collateral. Meanwhile, the Unsecured Revolving Line of Credit remains at 12.99% APR, providing flexible access to funds with variable usage. Members should compare these options based on their borrowing needs and consider fixed-rate loans for payment predictability. For more details, visit https://www.dncu.com/personal/personal-loans/#rates.
AFFINITY FEDERAL CREDIT UNION
As of March 27, 2026, AFFINITY's personal loan APRs remain stable with no changes over the past 30 days. The Certificate secured loan offers the lowest rate at 2.0% APR, ideal for members seeking low-cost borrowing backed by certificates. The Shared secured loan follows closely at 2.75% APR, also attractive for those with collateral. Unsecured options like the Personal loan and Debt consolidation loan hold steady at 12.5% and 13.5% APR respectively, suitable for members needing flexible unsecured credit or managing existing debt. The Student loan consolidation program remains competitive at 4.99% APR. Members should evaluate fixed-rate products to maintain payment certainty aligned with their financial goals.
VYSTAR CREDIT UNION
As of March 27, 2026, VYSTAR's personal loan rates show stability and some new options. The Personal loans APR increased to 10.0% from 5.0% over the past 15 to 30 days, indicating a significant rise of 5 percentage points (500 bps). New offerings include the Adoption line of credit at 8.99% and the Personal line of credit at 14.49%, both without prior rate data for comparison. The lowest APR remains with secured products: both Certificate secured and Savings secured loans are at 2.0%, providing attractive borrowing costs for members who can leverage collateral.
Members seeking predictable payments may consider fixed-rate secured loans, while those needing flexible borrowing might evaluate lines of credit despite higher rates. Comparing these products against your financial goals and security options is advisable.
For more details, visit https://www.vystarcu.org/personal/rates/personal-loan-and-line-of-credit-rates.
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.
Conclusion
As you consider your next financial move, whether consolidating high-interest debts, covering unexpected emergencies, or planning a major purchase, now is a smart time to explore secured loan options if you have collateral available, given their consistently low APRs around 2%. These rates represent some of the most cost-effective borrowing opportunities across credit unions today. For those without collateral, unsecured signature loans hovering near 10-11% APR offer reasonable terms worth comparing closely. Remember to review loan terms carefully and match them with your repayment ability and timeline. If you’re juggling multiple debts, a debt consolidation loan might simplify payments and potentially reduce your overall interest costs, consider Affinity’s offerings as a starting point. Lastly, stay proactive by checking rates regularly; even minor changes can impact your borrowing costs significantly over time. Keep an eye on this space next week to catch any new opportunities that could support your financial goals with confidence and clarity.