Introduction
As of April 3, 2026, credit union members have some truly standout personal loan opportunities to explore. If you’re looking for the lowest APRs on secured loans, programs like TRUMARK FINANCIAL’s Share-secured loan and REDSTONE’s Share secured both offer an impressively low 1.8% to 3.0% rate, perfect for borrowers seeking affordable, low-risk financing options. For those in need of unsecured signature loans, rates remain steady with competitive offers such as TRUMARK FINANCIAL’s Unsecured-installment signature loans at 10.49% and REDSTONE’s Personal unsecured signature at 10.79% for 60 months. Notably, no significant rate changes occurred over the past month across these programs, providing a stable environment for planning your borrowing needs. Whether you’re consolidating debt or preparing for a big life event, now is an excellent time to consider secured loans with rates as low as 1.8% or unsecured options under 11%. These consistent rates make it easier than ever to find the right fit for your budget and goals.
Personal Loans
Credit Union
Product
2026-04-03
(Current Day)
(Current Day)
2026-03-19
(15 Days Ago)
(15 Days Ago)
2025-10-05
(180 Days Ago)
(180 Days Ago)
2026-03-04
(30 Days Ago)
(30 Days Ago)
2026-02-17
(45 Days Ago)
(45 Days Ago)
2026-02-02
(60 Days Ago)
(60 Days Ago)
2026-03-27
(7 Days Ago)
(7 Days Ago)
2026-01-03
(90 Days Ago)
(90 Days Ago)
Home equity line of credit - classic
7.375
7.375
7.875▲ 50 bps
7.375
7.375
7.375
7.375
7.375
Personal line of credit/overdraft
11.89
12.09▲ 20 bps
12.29▲ 40 bps
12.09▲ 20 bps
12.11▲ 22 bps
12.11▲ 22 bps
12.09▲ 20 bps
12.25▲ 36 bps
Personal unsecured signature - 60 months
10.79
10.79
10.89▲ 10 bps
10.79
10.89▲ 10 bps
10.89▲ 10 bps
10.79
10.89▲ 10 bps
Personal unsecured signature - 72 months
10.99
10.99
11.09▲ 10 bps
10.99
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
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 April 3, 2026, REDSTONE personal loan rates remain stable with no changes across all products over the past 30 days. The Credit builder loan holds the lowest APR at 1.0%, ideal for members building credit history. For secured borrowing, the Share secured loan offers a competitive 3.0% APR, while the Home equity line of credit - classic stands steady at 7.375% APR. Among unsecured options, the Personal unsecured signature - 60 months provides a lower fixed rate at 10.79% APR, compared to the 72-month term at 10.99% APR. Members should evaluate their needs carefully and consider fixed-rate loans for payment predictability.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal,
TRUMARK FINANCIAL CREDIT UNION
As of April 3, 2026, TRUMARK FINANCIAL’s personal loan rates remain stable across all products with no changes over the past 30 days. The Share-secured loan offers the lowest APR at 1.8%, ideal for members leveraging savings as collateral. For unsecured borrowing, the Unsecured-installment signature loans maintain a competitive rate of 10.49%. First-time borrowers may find the First credit loan attractive at 6.25% APR, matching the rate for the Term-share secured loan. Members seeking to borrow against investments can consider the Stock loans to 75% of value at 8.49% APR. Compare these fixed rates carefully based on your collateral and repayment goals.
VYSTAR CREDIT UNION
As of April 3, 2026, VYSTAR’s personal loan rates for Certificate secured and Savings secured loans remain steady at 2.0% APR, showing no change over the past 7, 15, and 30 days. These are the lowest available rates among VYSTAR’s unsecured and secured options, offering reliable, low-cost borrowing for members with certificates or savings accounts to use as collateral. Members seeking affordable fixed-rate loans with strong security features may find these products particularly suitable. Consider comparing these secured options against your borrowing needs and assess if fixed-rate terms align with your repayment plans. For more details, visit https://www.vystarcu.org/personal/rates/personal-loan-and-line-of-credit-rates.
TEXAS DOW EMPLOYEES CREDIT UNION
As of April 3, 2026, TEXAS DOW EMPLOYEES personal loan rates remain stable across all products, with no changes over the past 30 days. The Certificate of Deposit Secured Loan and Share Secured Loan offer the lowest APR at 2.00%, ideal for members seeking low-cost borrowing with collateral. For unsecured options, the Personal Loan holds a competitive fixed APR of 7.14%, suitable for general borrowing needs. The Cash $tash Line of Credit remains steady at 9.74%, providing flexible access to funds. Members should compare these rates to identify options that align with their financial goals and consider secured loans for lower rates or fixed-rate products for payment stability. For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of April 3, 2026, LAFAYETTE's personal loan rates remain stable with no changes over the past 30 days. The lowest APRs are offered by Certificate secured, Share secured loans at 2.0%, ideal for members seeking low-risk borrowing options. The Credit builder loan holds a steady rate at 3.0%, suited for first-time borrowers aiming to establish credit. Among unsecured products, the Signature loan offers a competitive fixed APR of 8.99%, while the Line of credit remains at 9.99% for flexible borrowing needs. Members should compare these options carefully and consider fixed-rate loans if payment predictability is a priority.
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 April 3, 2026, CHARTER OAK maintains stable personal loan rates with no changes over the past 30 days. The Secured personal loan offers the lowest APR at 2.0%, ideal for members seeking low-cost borrowing secured by collateral. Unsecured personal loans remain steady at 7.75% APR, providing a flexible option without collateral for general needs. The Readi-cash too product holds at 10.75% APR, consistent over the month, suitable for quick access to funds. Members should evaluate their credit needs and consider the fixed-rate options available to ensure predictable payments aligned with their financial goals. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
APPLE FEDERAL CREDIT UNION
As of April 3, 2026, APPLE credit union’s personal loan rates remain stable across all products with no changes in APR over the past 30 days. The Savings secured (certificates) offer the lowest rate at 2.00% APR, ideal for members leveraging certificates as collateral. For unsecured borrowing, the Signature loan carries a competitive fixed rate of 9.99% APR, while the Signature line of credit is slightly higher at 10.99% APR. Both educator and first responder lines of credit maintain steady rates at 6.75% APR, providing tailored options for those professions. Members should review these fixed and secured options carefully to align borrowing costs with their financial goals.
For more details, visit https://www.applefcu.org/loans/personalloans,
CRANE CREDIT UNION
As of April 3, 2026, CRANE’s personal loan rates remain stable with no changes in the past 30 days. The Custom fit loans and Line of credit products hold steady at 10.25% APR and 12.0% APR, respectively. The most cost-effective option is the Loan secured by savings at a low 2.0% APR, ideal for members seeking lower-risk borrowing. Members should assess their borrowing needs carefully; those prioritizing payment certainty might consider fixed-rate options like Custom fit loans, while those with collateral can benefit from the secured loan’s competitive rate. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
AFFINITY FEDERAL CREDIT UNION
As of April 3, 2026, AFFINITY 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. For unsecured borrowing, the standard Personal loan and Debt consolidation loan hold steady at 12.5% and 13.5% APR respectively, suitable for general needs and debt management. The Student loan consolidation program maintains a competitive fixed rate of 4.99%, supporting educational debt restructuring. Members should review these fixed-rate options carefully to align borrowing costs with their financial goals.
Y-12 FEDERAL CREDIT UNION
As of April 3, 2026, all Y-12 personal loan rates remain stable 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, secured borrowing. Among unsecured options, the Signature loan provides a competitive fixed rate of 12.49%, while the Ultra loan is slightly higher at 13.99%. The Access line of credit holds steady at 14.49%, offering flexible borrowing but at a higher cost. Members should compare products to align with their financial goals and consider fixed-rate loans for predictable payments. For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
LendMesh
Juggling multiple credit card payments? A personal loan could be the reset button you need. At LendMesh, we make it simple to compare low-rate debt consolidation options from top banks and credit unions—all in one place. Imagine replacing high interest with one easy monthly payment and a clear path forward. Discover smarter lending with fewer hoops by visiting https://www.lendmesh.com/loans/personal_loans . Let’s simplify your financial life, together.
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Conclusion
When it comes to managing finances, be it paying off high-interest credit cards, covering unexpected expenses, or making a major purchase, choosing the right loan can save you hundreds or even thousands in interest costs. If you qualify, tapping into a share-secured or certificate-backed loan could be your smartest move, given their exceptionally low APRs starting around 1.8%. For those who prefer unsecured lending, keeping an eye on signature loans hovering near 10.5% can provide flexibility without sacrificing affordability. Remember to review your credit union’s terms closely and factor in loan duration to balance monthly payments with total cost. As rates remain stable this week, there’s no rush, but don’t wait too long if you see a product that fits your needs. Make it a habit to check updated rates regularly since even small shifts can impact your financial plan significantly. Stay informed and proactive, your best borrowing decision is just a rate comparison away!