Introduction
As of April 24, 2026, credit union members have some excellent personal loan opportunities to consider. If you’re looking for the lowest APRs, share-secured loans stand out with rates as low as 1.8% at Trumark Financial, and several others offering steady 2.0% rates on certificate or share-secured loans, perfect for borrowers seeking affordable, low-risk options. For those needing unsecured signature loans, Lafayette’s competitive 8.99% APR leads the pack, closely followed by Apple’s 9.99%. Meanwhile, home equity lines of credit remain steady with Redstone offering a solid 7.375%, ideal for larger expenses or debt consolidation plans. Notably, personal line of credit rates at Redstone hold firm this week after a slight dip last month, reflecting stability in borrowing costs. Whether you’re building credit with rates as low as 1.0% at Redstone or exploring flexible lines of credit around 10-12%, today’s rate landscape offers something for every financial goal.
Personal Loans
Credit Union
Product
2026-04-24
(Current Day)
(Current Day)
2026-04-09
(15 Days Ago)
(15 Days Ago)
2025-10-26
(180 Days Ago)
(180 Days Ago)
2026-03-25
(30 Days Ago)
(30 Days Ago)
2026-03-10
(45 Days Ago)
(45 Days Ago)
2026-02-23
(60 Days Ago)
(60 Days Ago)
2026-04-17
(7 Days Ago)
(7 Days Ago)
2026-01-24
(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 24, 2026, REDSTONE’s personal loan rates remain stable across most products. The Credit builder loan holds the lowest APR at 1.0%, unchanged over the past month, ideal for members establishing credit. The Share secured loan offers a competitive 3.0% APR, providing a low-cost borrowing option backed by savings. Unsecured signature loans are steady with rates at 10.79% (60 months) and 10.99% (72 months), suitable for fixed-term financing needs. Notably, the Personal line of credit/overdraft rate decreased slightly from 12.09% to 11.89%, offering flexible access to funds with modest cost improvement. Compare these options based on your borrowing goals and consider fixed-rate loans for predictable payments. For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TRUMARK FINANCIAL CREDIT UNION
As of April 24, 2026, TRUMARK FINANCIAL’s personal loan rates remain stable with no changes across all products over the past 30 days. The Share-secured loan offers the lowest APR at 1.8%, ideal for members seeking low-cost borrowing secured by their savings. For first-time borrowers, the First credit loan provides a competitive fixed rate of 6.25%, matching the Term-share secured loan rate. Members needing unsecured options can consider the Unsecured-installment signature loans at 10.49% APR, while stock-backed loans hold steady at 8.49%. Review these fixed rates carefully and compare based on your collateral and credit profile to determine the best fit.
EASTMAN CREDIT UNION
As of April 24, 2026, EASTMAN's Certificate secured loan and Share secured loan both maintain a stable APR of 2.0%, unchanged over the past 7 and 15 days. These represent the lowest available rates among personal loan options, appealing to members seeking affordable borrowing secured by certificates or shares. Members prioritizing low-cost financing with collateral might find these products particularly suitable. For those valuing rate stability, these fixed-rate loans offer predictable payment terms. Consider comparing these secured options if you want to minimize interest expenses while accessing flexible funds. For more details, visit https://www.ecu.org/borrow/personal-loans/personal-loan#section-1,
TEXAS DOW EMPLOYEES CREDIT UNION
As of April 24, 2026, all TEXAS DOW EMPLOYEES personal loan rates remain stable with no changes over the past 30 days. The Certificate of deposit secured loan and Share secured loan offer the lowest APR at 2.0%, ideal for members seeking low-risk borrowing options. Unsecured loans like the Personal loan and Home advantage loan hold steady at 7.14% and 7.24%, respectively, suitable for general purposes or home-related expenses. The Cash $tash line of credit maintains a consistent rate of 9.74%, reflecting fixed borrowing costs for flexible credit access. Members should compare these products carefully based on their collateral preferences and financial goals. For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of April 24, 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 available rate is 2.0% APR on both Certificate secured and Share secured loans, ideal for members seeking low-cost, collateral-backed borrowing. The Credit builder loan maintains a steady 3.0% APR, suited for first-time borrowers aiming to establish credit. Unsecured options like the Signature loan at 8.99% APR and the Line of credit at 9.99% APR offer fixed-rate borrowing flexibility without collateral. Members should compare these products based on their credit needs and consider fixed rates for predictable payments.
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 24, 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 ideal for members seeking low-cost borrowing secured by collateral. Both the Unsecured personal loans and Readi-cash too maintain steady rates at 7.75% and 10.75%, respectively, providing consistent options for unsecured borrowing and quick access to funds. Members should review their borrowing needs carefully and consider fixed-rate loans for predictable payments.
For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
APPLE FEDERAL CREDIT UNION
As of April 24, 2026, APPLE credit union’s personal loan APRs remain stable with no changes over the past 30 days. The Savings secured (certificates) offer the lowest rate at 2.00% APR, ideal for members seeking low-risk, secured borrowing options. For unsecured needs, the Signature loan provides a competitive fixed rate of 9.99% APR, while the Signature line of credit stands at 10.99% APR for flexible access. Specialty lines such as the Educator and First responder lines of credit maintain steady rates at 6.75% APR, offering targeted benefits for specific professions. Members should assess their borrowing goals and consider fixed-rate loans for predictable payments.
For more details, visit https://www.applefcu.org/loans/personalloans.
ORNL FEDERAL CREDIT UNION
As of April 24, 2026, ORNL’s personal loan rates remain stable with no changes over the past 7 to 30 days. The Name personal loan holds a consistent APR of 9.99%, offering a competitive unsecured borrowing option for members seeking straightforward financing. The Name personal line of credit also remains steady at 10.99% APR, suitable for those needing flexible access to funds. For secured borrowing, both the Name share certificate secured and Name share secured loans maintain the lowest APRs at 2.0%, providing cost-effective options for members leveraging savings as collateral. Members should compare these fixed-rate products carefully to match their borrowing needs and consider secured loans for lower interest costs.
CRANE CREDIT UNION
As of April 24, 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. For unsecured needs, the Custom fit loans maintain a steady 10.25% APR, providing predictable fixed-rate options. The Line of credit stays at 12.0% APR, suited for members who prefer flexible borrowing access. Review your financial goals carefully and consider fixed-rate loans if you want payment certainty or secured loans to minimize interest costs. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
DEL NORTE CREDIT UNION
As of April 24, 2026, DEL NORTE's personal loan rates remain stable across all products with no changes in the past 30 days. The Share or certificate secured loan holds the lowest APR at 2.0%, offering an affordable option for members seeking low-risk borrowing. The Unsecured personal loan maintains a steady 10.49% APR, suitable for those needing fixed-rate financing without collateral. The Unsecured revolving line of credit stays at 12.99% APR, providing flexible access to funds on demand. Members should compare these fixed and variable options carefully to align borrowing choices with their financial goals and risk tolerance. For more details, visit https://www.dncu.com/personal/personal-loans/#rates.
LendMesh
Whether you're building credit, consolidating debt, or preparing for something big, the right personal loan can make all the difference. At LendMesh, we believe in empowering your choices—not pressuring them. Compare top credit union and bank offers in real time at https://www.lendmesh.com/loans/personal_loans and take your next step on your terms.
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Conclusion
When planning your next financial move, whether it’s consolidating high-interest debt, handling an unexpected expense, or funding a big life event, focus on securing the lowest possible APR to minimize costs over time. Consider share-secured loans if you have savings or certificates, since these offer unbeatable rates near 2%, making them smart options for cautious borrowers. If unsecured financing is necessary, look closely at signature loans around 9-10% APR and compare terms carefully to find the best fit. Remember to review your credit union’s offerings regularly; rates can fluctuate and new promotions may emerge that better suit your needs. Above all, act thoughtfully but swiftly when you spot a strong rate, it could save you hundreds in interest down the road. Keep an eye out next week for fresh updates and continue leveraging your credit union membership to maximize value and flexibility in your borrowing journey.