Introduction
As of April 10, 2026, credit union members have some truly standout personal loan options to consider. If you’re looking for the lowest APR on signature loans, check out Charter Oak’s unsecured personal loan at a very competitive 7.75% or Lafayette’s signature loan at 8.99%. For those prioritizing safety and low rates, secured loans remain unbeatable with several credit unions offering rates as low as 2.0% on share-secured or certificate-secured loans, perfect for members seeking lower-risk borrowing options. Notably, TRUMARK FINANCIAL offers a share-secured loan at just 1.8%, the lowest across all programs today. Whether you want a flexible line of credit, such as REDSTONE’s personal line of credit hovering around 11.89%, or need a solid home equity option like REDSTONE’s classic HELOC at 7.375%, there are diverse products tailored to your financial goals. Rates have been stable over the past month, giving you confidence in locking in a great deal now.
Personal Loans
Credit Union
Product
2026-04-10
(Current Day)
(Current Day)
2026-03-26
(15 Days Ago)
(15 Days Ago)
2025-10-12
(180 Days Ago)
(180 Days Ago)
2026-03-11
(30 Days Ago)
(30 Days Ago)
2026-02-24
(45 Days Ago)
(45 Days Ago)
2026-02-09
(60 Days Ago)
(60 Days Ago)
2026-04-03
(7 Days Ago)
(7 Days Ago)
2026-01-10
(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
11.89
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 10, 2026, REDSTONE personal loan rates remain stable with no changes over the past 30 days. The Credit Builder Loan holds the lowest APR at a consistent 1.0%, ideal for members establishing credit. For secured borrowing, the Share Secured Loan offers a low APR of 3.0%, while the Home Equity Line of Credit - Classic maintains a steady rate at 7.375%. Among unsecured options, the Personal Unsecured Signature Loan (60 months) is competitively priced at 10.79%, slightly lower than the 72-month term at 10.99%. The Personal Line of Credit/Overdraft shows a modest decline from 12.09% to 11.89%, potentially benefiting flexible borrowing needs.
Members should compare fixed-rate and variable-rate products carefully to align with their financial goals and risk tolerance.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal,
TRUMARK FINANCIAL CREDIT UNION
As of April 10, 2026, TRUMARK FINANCIAL’s 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 first-time borrowers, the First credit loan maintains a competitive rate of 6.25%, matching the Term-share secured loan. Unsecured options like the Unsecured-installment signature loans hold steady at 10.49%, while debt consolidation via the Better choice program remains at a higher fixed APR of 18.0%. Members should compare secured versus unsecured terms carefully and consider fixed-rate loans for predictable payments.
VYSTAR CREDIT UNION
As of April 10, 2026, VYSTAR’s Certificate secured and Savings secured personal loan products maintain steady APRs at 2.0%, with no changes over the past 7 and 15 days. The Certificate secured loan offers the lowest available APR in this update, appealing to members seeking low-cost, collateral-backed borrowing. The consistent rates on both secured options benefit members aiming for predictable payments and affordable credit access. Members should compare these fixed-rate secured loans carefully to determine which best fits their financial situation, especially if prioritizing low interest costs and repayment stability. 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 10, 2026, all TEXAS DOW EMPLOYEES personal loan APRs remain steady with no changes over the past 30 days. The lowest secured loan rates are on the Certificate of Deposit secured loan and Share secured loan, both at 2.0% APR, ideal for members seeking low-risk borrowing. For unsecured options, the Personal loan offers a competitive fixed rate of 7.14% APR, suitable for general borrowing needs. The Cash $tash line of credit maintains a consistent rate of 9.74% APR, providing flexible access to funds. Members should compare these fixed-rate products based on their financial goals and consider secured loans for lower interest costs. For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of April 10, 2026, all LAFAYETTE personal loan rates remain stable with no changes over the past 30 days. The lowest APRs are found in Certificate secured, Share secured loans at 2.0%, ideal for members seeking low-risk borrowing options. For those building credit, the Credit builder loan holds steady at 3.0% APR. Unsecured borrowing includes the Signature loan at 8.99% APR and the Line of credit at 9.99% APR, offering flexibility but at higher rates. Members should compare fixed-rate versus variable options to align borrowing costs with their financial goals.
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 10, 2026, CHARTER OAK personal loan rates remain stable across all products. The Secured personal loan offers the lowest APR at 2.0%, unchanged over the past month, making it a strong option for members with collateral seeking affordable borrowing. The Unsecured personal loans maintain an APR of 7.75%, providing a fixed-rate choice without security requirements. The Readi-cash too program holds steady at 10.75% APR, consistent for 30 days, suited for quick access needs despite higher costs. Members should compare these options based on their security preferences and repayment goals to identify the best fit for their financial situation. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
APPLE FEDERAL CREDIT UNION
As of April 10, 2026, APPLE’s personal loan rates remain stable across all products with no changes in APR over the past 30 days. The lowest available rate is 2.00% APR for the Savings secured (certificates) loan, ideal for members seeking low-risk borrowing backed by certificates. The Savings secured (regular savings) option offers a competitive 3.00% APR, providing flexibility for those with savings accounts. Unsecured borrowing options include the Signature loan at 9.99% APR and the Signature line of credit at 10.99% APR, consistent for members needing fixed or revolving credit. Both educator and first responder lines of credit hold steady at 6.75% APR.
Members should review their borrowing needs carefully and consider secured loans for lower rates or fixed-rate loans for payment certainty. For more details, visit https://www.applefcu.org/loans/personalloans.
CRANE CREDIT UNION
As of April 10, 2026, CRANE’s personal loan rates remain steady 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 maintain a competitive 10.25% APR, suitable for flexible, unsecured financing needs. The Line of credit holds steady at 12.0% APR, providing revolving access but at a higher rate than fixed loans. Members should compare these products based on their credit needs 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 April 10, 2026, DEL NORTE credit union’s personal loan APRs remain stable with no changes over the past 30 days. The Share or certificate secured loan offers the lowest rate at a consistent 2.0% APR, ideal for members seeking low-cost borrowing backed by savings. The Unsecured personal loan holds steady at 10.49% APR, providing a fixed-rate option for those without collateral. The Unsecured revolving line of credit is priced at 12.99% APR, suited for flexible borrowing needs but at a higher cost. Members should compare these options based on their collateral availability and repayment preferences to select the best fit. For more details, visit https://www.dncu.com/personal/personal-loans/#rates.
AFFINITY FEDERAL CREDIT UNION
As of April 10, 2026, AFFINITY’s personal loan rates remain stable with no changes over the past 30 days. The Certificate secured loan holds the lowest APR at 2.0%, ideal for members seeking low-cost, collateral-backed borrowing. The Shared secured loan also offers a competitive rate at 2.75%, providing another affordable secured option. For unsecured borrowing, the standard Personal loan and Debt consolidation loan maintain steady APRs at 12.5% and 13.5%, respectively, suitable for those managing existing debts or general expenses. The Student loan consolidation program stands out with a low fixed rate of 4.99%, supporting educational debt management. Members should compare these fixed-rate options to align borrowing costs with their financial goals.
LendMesh
You’ve got plans—and they deserve the right support. A personal loan from a credit union or trusted bank could be the boost that helps you start something big. At LendMesh, we’ve simplified the process so you can compare offers, understand your rates, and apply with confidence. No jargon, no pressure—just the clarity you need to choose what’s best. Explore now at https://www.lendmesh.com/loans/personal_loans and unlock what’s possible.
Conclusion
When planning your next financial move, be it consolidating debt, managing unexpected expenses, or investing in a big life event, explore both unsecured and secured loan options carefully. Secured loans typically offer the best APRs but require collateral, while unsecured loans provide convenience with slightly higher rates. Keep an eye on credit unions like TRUMARK FINANCIAL and Charter Oak for exceptional rates that can save you money over time. Remember to review your credit standing before applying to ensure you qualify for the best possible terms. And don’t hesitate to shop around weekly; even small rate shifts can make a meaningful difference in your monthly payments and overall cost. Stay proactive and informed, your financial future will thank you!