Introduction
As of April 17, 2026, credit union members have plenty of promising personal loan opportunities to explore. The standout today is the exceptionally low 1.0% APR on Redstone’s Credit Builder loan, perfect for those looking to establish or improve credit affordably. For secured loans, multiple credit unions, including Trumark Financial and Del Norte, offer rock-bottom rates around 1.8% to 2.0% APR on share- or certificate-secured products, providing safe and cost-effective borrowing options. Signature loans remain competitive too, with Lafayette’s signature loan at a solid 8.99% APR and Apple’s signature loan at 9.99% APR, both stable over the past month. Whether you’re considering debt consolidation, an emergency fund boost, or a big life purchase, these steady rates across various terms give borrowers flexibility and confidence. Notably, most rates have held firm over the last 30 days, signaling a steady lending environment that members can count on.
Personal Loans
Credit Union
Product
2026-04-17
(Current Day)
(Current Day)
2026-04-02
(15 Days Ago)
(15 Days Ago)
2025-10-19
(180 Days Ago)
(180 Days Ago)
2026-03-18
(30 Days Ago)
(30 Days Ago)
2026-03-03
(45 Days Ago)
(45 Days Ago)
2026-02-16
(60 Days Ago)
(60 Days Ago)
2026-04-10
(7 Days Ago)
(7 Days Ago)
2026-01-17
(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
11.89
12.29▲ 40 bps
12.09▲ 20 bps
12.09▲ 20 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
10.79
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
10.99
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
REDSTONE FEDERAL CREDIT UNION
As of April 17, 2026, REDSTONE personal loan rates remain stable across most products. The Personal line of credit/overdraft saw a slight improvement, with APR decreasing from 12.09% to 11.89% over the past 30 days. The lowest APR remains with the Share secured loan at 3.0%, offering an attractive option for members with collateral. For unsecured borrowing, the 60-month Personal unsecured signature loan at 10.79% APR provides a competitive fixed rate, unchanged this month. Members seeking credit-building assistance can rely on the steady 1.0% APR Credit builder loan. Review your borrowing needs carefully and consider fixed-rate options for predictable payments.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TRUMARK FINANCIAL CREDIT UNION
As of April 17, 2026, TRUMARK FINANCIAL’s personal loan APRs remain stable with no changes over the past 30 days. The Share-secured loan offers the lowest rate at 1.8% APR, ideal for members seeking low-cost borrowing secured by savings. The First credit loan and Term-share secured loan both hold steady at 6.25% APR, suitable for first-time or cautious borrowers. Unsecured options like the Unsecured-installment signature loans carry a moderate rate of 10.49% APR, while specialized products such as the Stock loans to 75% of value are available at 8.49% APR. Members should compare these fixed rates carefully to match their financial needs and consider secured loans for lower costs.
VYSTAR CREDIT UNION
As of April 17, 2026, VYSTAR's Certificate secured and Savings secured personal loans maintain a consistent APR of 2.0%, with no changes over the past 30 days. These represent the lowest available rates for members seeking secured borrowing options, ideal for those who prefer lower risk and fixed terms backed by certificates or savings. Members prioritizing predictable payments and low-cost credit may find these products suitable. To align borrowing choices with your financial goals, consider comparing secured options and evaluating if fixed-rate loans meet your payment stability needs. 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 17, 2026, TEXAS DOW EMPLOYEES personal loan rates remain stable with no changes over the past 30 days. The Personal loan and Home advantage loan hold steady at 7.14% and 7.24% APR, respectively, providing consistent options for unsecured borrowing. For members seeking the lowest borrowing costs, secured loans like the Certificate of deposit secured loan and Share secured loan offer an attractive 2.0% APR, the lowest available rates today. The Cash $tash line of credit maintains a fixed rate at 9.74% APR, suitable for flexible borrowing needs. Members should review their financial goals and consider fixed-rate loans for payment stability or secured options to minimize interest expenses. For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of April 17, 2026, LAFAYETTE’s personal loan rates remain stable with no changes in APRs over the past 30 days. The lowest rates are 2.00% APR on both Certificate secured and Share secured loans, ideal for members seeking low-cost, collateral-backed borrowing. The Credit builder loan holds steady at 3.00% APR, suitable for first-time borrowers aiming to improve credit profiles. For unsecured options, the Signature loan offers a consistent 8.99% APR, while the Line of credit remains at 9.99% APR, providing flexible access to funds. Members should compare these fixed and variable options carefully to align 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 17, 2026, CHARTER OAK personal loan rates remain stable across all products. The Readi-cash too loan holds steady at 10.75% APR, unchanged over the past 30 days. The Secured personal loan continues to offer the lowest rate at 2.0% APR, providing an affordable option for members with collateral. Meanwhile, Unsecured personal loans maintain a consistent rate of 7.75% APR, balancing flexibility without security requirements. Members should evaluate these fixed rates carefully; those seeking payment certainty may consider secured loans, while unsecured options suit borrowers prioritizing convenience. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
APPLE FEDERAL CREDIT UNION
As of April 17, 2026, APPLE’s personal loan rates remain stable across all products with no changes in the past 30 days. The lowest APR is offered by the Savings secured (certificates) loan at 2.00%, followed closely by the Savings secured (regular savings) at 3.00%, making these ideal for members seeking low-cost, secured borrowing options. For unsecured credit, the Signature loan at 9.99% APR and the Signature line of credit at 10.99% APR provide fixed-rate solutions suitable for general borrowing needs. Members interested in flexible credit lines will find both the Educator and First responder lines of credit consistently priced at 6.75% APR. Compare these products carefully to align with your financial goals and consider fixed-rate loans if payment predictability is a priority. For more details, visit https://www.applefcu.org/loans/personalloans,
ORNL FEDERAL CREDIT UNION
As of April 17, 2026, ORNL’s personal loan rates remain steady with no recent changes reported. The Name personal loan offers a fixed APR of 9.99%, providing an accessible unsecured borrowing option. For members seeking flexible credit access, the Name personal line of credit carries an APR of 10.99%. Secured loans feature the lowest available APRs at 2.0% for both the Name share certificate secured and Name share secured products, ideal for members leveraging savings to reduce borrowing costs. Members should compare these options based on their credit needs and consider secured loans for lower rates or fixed-rate unsecured loans for predictable payments. For more details, visit https://ornlfcu.com/personal/rates#personal-loans:~:text=below%20for%20details-,Other%20Loans,-NAME
CRANE CREDIT UNION
As of April 17, 2026, CRANE’s personal loan rates remain stable across all products. The Custom fit loans and Line of credit maintain consistent APRs at 10.25% and 12.0%, respectively, with no changes over the past 30 days. Members seeking the lowest borrowing cost will find the Loan secured by savings particularly attractive at a steady 2.0% APR, representing the lowest available rate. Those prioritizing payment certainty might consider these fixed-rate options. Comparing these products based on your financial needs can help identify the best fit for flexible, affordable borrowing. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
DEL NORTE CREDIT UNION
As of April 17, 2026, DEL NORTE’s personal loan rates remain steady across all products. The Share or certificate secured loan offers the lowest APR at a consistent 2.0%, unchanged over the past month, making it ideal for members seeking low-cost borrowing secured by savings. The Unsecured personal loan holds firm at 10.49% APR, providing a fixed-rate option for members without collateral. The Unsecured revolving line of credit remains at 12.99% APR, suitable for flexible borrowing needs with variable access. Members should compare these options based on their financial goals and consider fixed-rate loans for payment certainty. For more details, visit https://www.dncu.com/personal/personal-loans/#rates.
LendMesh
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Conclusion
When navigating your personal loan options this spring, keep in mind that choosing the right loan type can significantly impact your financial health. If building or repairing credit is your goal, consider Redstone’s Credit Builder loan with its unbeatable 1.0% APR, an excellent stepping stone without heavy costs. For larger needs backed by collateral, share-secured loans from Trumark Financial or Del Norte offer ultra-low rates that minimize interest expenses while keeping borrowing secure. If unsecured loans fit your situation better, watch for competitive signature loan rates like those at Lafayette or Apple to get favorable terms without putting up assets. Remember to assess your repayment ability carefully and leverage these stable rates to consolidate high-interest debt or cover unexpected expenses efficiently. Keep checking back weekly to catch any rate shifts and seize opportunities as they arise, your best financial move could be just a rate update away!