Introduction
As of May 1, 2026, credit union members have some standout personal loan opportunities to consider. If you’re looking for the lowest APRs, share-secured loans are shining bright with rates as low as 1.8% at Trumark Financial and a consistent 2.0% at several other credit unions like Charter Oak, Texas Dow Employees, and Lafayette. For those seeking unsecured options, competitive signature loan rates hover around 7.75% to 10.99%, with Charter Oak offering unsecured personal loans at a solid 7.75% APR, one of the more attractive unsecured rates available right now. Notably, these rates have remained stable over the past month, providing dependable options for budgeting your next big expense or debt consolidation plan. Whether you prefer traditional personal loans or want to leverage secured lines of credit, today's data reflects steady opportunities across all terms and credit unions.
Personal Loans
Credit Union
Product
2026-05-01
(Current Day)
(Current Day)
2026-04-16
(15 Days Ago)
(15 Days Ago)
2025-11-02
(180 Days Ago)
(180 Days Ago)
2026-04-01
(30 Days Ago)
(30 Days Ago)
2026-03-17
(45 Days Ago)
(45 Days Ago)
2026-03-02
(60 Days Ago)
(60 Days Ago)
2026-04-24
(7 Days Ago)
(7 Days Ago)
2026-01-31
(90 Days Ago)
(90 Days Ago)
Home equity line of credit - classic
7.125
7.375▲ 25 bps
7.875▲ 75 bps
7.375▲ 25 bps
7.375▲ 25 bps
7.375▲ 25 bps
7.375▲ 25 bps
7.375▲ 25 bps
Personal line of credit/overdraft
11.89
11.89
12.29▲ 40 bps
11.89
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
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 May 1, 2026, REDSTONE personal loan rates remain steady with no changes over the past 30 days. The lowest APR is on the Credit Builder Loan at 1.0%, ideal for members establishing credit. The most affordable unsecured option is the Personal Unsecured Signature Loan at 10.79% APR for 60 months, while the Share Secured Loan holds a low rate of 3.0% APR for secured borrowing. The Home Equity Line of Credit - Classic saw a slight improvement from 7.375% to 7.125% APR, benefiting members seeking flexible home-secured credit. Members should compare fixed and variable options to align borrowing with their financial goals. For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TRUMARK FINANCIAL CREDIT UNION
As of May 1, 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 6.25% APR, matching the Term-share secured loan rate. Unsecured options like the Unsecured-installment signature loans carry a higher fixed rate of 10.49%, while the Better choice program remains at 18.0% APR, suitable for members needing flexible terms. Members should compare these fixed-rate products based on their collateral and credit profile to identify optimal borrowing costs.
CHARTER OAK FEDERAL CREDIT UNION
As of May 1, 2026, CHARTER OAK personal loan rates remain stable with no changes over the past 30 days. The Secured personal loan holds the lowest APR at 2.0%, offering an attractive option for members seeking lower-cost borrowing backed by collateral. Meanwhile, Unsecured personal loans maintain a consistent rate of 7.75% APR, suitable for those needing flexible, unsecured financing without asset requirements. Members should evaluate their credit and borrowing needs carefully; consider secured options for lower rates or unsecured loans if collateral is unavailable. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
TEXAS DOW EMPLOYEES CREDIT UNION
As of May 1, 2026, all personal loan APRs 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 rates at 2.0% APR, ideal for members seeking low-cost borrowing backed by savings. Unsecured options like the Personal Loan and Home Advantage Loan hold steady at 7.14% and 7.24% APR, respectively, 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 carefully to align with their financial goals and risk tolerance. For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of May 1, 2026, LAFAYETTE credit union’s personal loan rates remain stable across all products with no changes in the past 30 days. The Certificate secured, Share secured, and Credit builder loans each offer the lowest APR at a consistent 2.0% and 3.0%, respectively, ideal for members seeking low-risk borrowing or credit establishment. The Signature loan provides an unsecured option at 8.99% APR, while the Line of credit stands at 9.99% APR, suitable for flexible borrowing needs. Members should compare these fixed-rate loans carefully to match their financial goals and consider secured loans for lower interest costs.
For more details, visit https://www.lfcu.org/rates/personal-credit-cards-loans-rates/#rates-table-personal-loans.
APPLE FEDERAL CREDIT UNION
As of May 1, 2026, all APPLE personal loan rates remain stable with no changes over the past 30 days. The lowest APR is on the Savings secured (certificates) loan at 2.00%, ideal for members seeking low-risk borrowing backed by certificates. The Savings secured (regular savings) offers a slightly higher rate at 3.00%, providing another secured borrowing option. For unsecured credit, the Signature loan holds an APR of 9.99%, while the Signature line of credit stands at 10.99%. Both lines of credit for educators and first responders maintain competitive fixed rates of 6.75%. Members should compare products based on secured versus unsecured needs and consider fixed-rate options for predictable payments.
For more details, visit https://www.applefcu.org/loans/personalloans,
ORNL FEDERAL CREDIT UNION
As of May 1, 2026, ORNL’s personal loan rates remain stable with no changes in the past 30 days. The Name personal loan holds steady at 9.99% APR, offering a competitive fixed unsecured option for members seeking predictable payments. The Name personal line of credit also maintains a consistent 10.99% APR, suitable for flexible borrowing needs. For secured borrowing, both the Name share certificate secured and Name share secured loans offer the lowest rate at 2.00% APR, ideal for members leveraging savings as collateral to access lower costs. Members should review their borrowing goals and compare these fixed and variable-rate products to align with their financial plans.
CRANE CREDIT UNION
As of May 1, 2026, CRANE's personal loan rates remain steady across all products with no changes in 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 their savings. The Custom fit loans provide a competitive fixed APR of 10.25%, suitable for members needing predictable payments on unsecured loans. Meanwhile, the Line of credit holds a consistent APR of 12.0%, offering flexible access to funds. Members should review these options carefully and consider fixed-rate products if they prefer payment certainty.
For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
DEL NORTE CREDIT UNION
As of May 1, 2026, DEL NORTE offers a secured loan with a 2.0% APR, representing the lowest available rate ideal for members seeking borrowing backed by shares or certificates. The unsecured personal loan carries a 10.49% APR, providing an option for those needing flexible funds without collateral. The unsecured revolving line of credit is priced at 12.99% APR, suitable for ongoing borrowing needs but at a higher cost. Since these rates are newly reported with no prior data for comparison, members should carefully evaluate their borrowing goals and consider fixed-rate loans for predictable payments when appropriate. For more details, visit https://www.dncu.com/personal/personal-loans/#rates.
AFFINITY FEDERAL CREDIT UNION
As of May 1, 2026, AFFINITY's personal loan rates remain steady with no changes over the past 30 days. The lowest APR is 2.0% on the Certificate secured loan, ideal for members leveraging certificates as collateral. The Shared secured loan offers a competitive 2.75% APR, suitable for those seeking low-risk borrowing. Unsecured options like the Personal loan at 12.5% APR and the Debt consolidation loan at 13.5% APR provide fixed-rate solutions for various borrowing needs, including debt management. Members prioritizing payment certainty may consider these fixed rates when comparing options.
Review your financial goals and choose loans aligned with your repayment plans. For more details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Personal%20Loans,-RV%20%26%20Motorcycle%20Loans.
LendMesh
Ever felt like your goals were just out of reach because of high-interest credit cards or unexpected expenses? At LendMesh, we make personal loans easier to access—without the confusion or stress. Whether you’re looking to consolidate debt, fund a big purchase, or cover an emergency, we bring together competitive rates from trusted credit unions and banks in one place. No pressure, no hidden surprises—just real options built around your needs. Explore your possibilities today at https://www.lendmesh.com/loans/personal_loans . Because your peace of mind shouldn’t have to wait.
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Conclusion
When planning your financial moves this month, consider locking in the lowest available APRs on share-secured loans, especially if you have savings or certificates to back your borrowing, these can dramatically reduce interest costs. For emergency funds or smaller purchases, explore unsecured loans with competitive fixed rates under 8%, like those at Charter Oak or Apple Credit Union. Remember, keeping an eye on rate trends and acting promptly can save you money in the long run. Before committing, review your credit union’s terms carefully and match loan products to your repayment capacity. Stay proactive by revisiting personal loan rates regularly, as even small shifts can impact your monthly payments significantly. Your best financial decisions come from informed comparisons, and we’ll be here next week with the latest updates to help guide you confidently forward.