Introduction
As of May 8, 2026, credit union personal loan rates remain steady with some standout opportunities for members seeking affordable borrowing options. If you’re looking to build credit or secure a low-cost loan, today’s best deals include share-secured loans at just 1.8% APR from TruMark Financial and several certificate-secured loans offering an attractive 2.0% APR at Eastman, Texas Dow Employees, Lafayette, Charter Oak, Apple, ORNL, Crane, and Del Norte credit unions. For unsecured borrowing, competitive signature loan rates hover around the mid-to-high single digits , notably Lafayette’s signature loan at 8.99% APR and Charter Oak’s unsecured personal loans at 7.75%. Those considering home equity options can find consistent pricing with Redstone’s classic line of credit fixed at 7.125%. Whether you’re consolidating debt or preparing for a big purchase, these stable rates provide a solid foundation for smart financial decisions this week.
Personal Loans
| Lender | Product | 2026-05-08 Current | 2026-04-23 15 Days Ago | 2025-11-09 180 Days Ago | 2026-04-08 30 Days Ago | 2026-03-24 45 Days Ago | 2026-03-09 60 Days Ago | 2026-05-01 7 Days Ago | 2026-02-07 90 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| REDSTONE FEDERAL CREDIT UNIONLOWEST | Credit builder | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% |
| TRUMARK FINANCIAL CREDIT UNION | Share-secured loan | 1.8% | 1.8% | 1.8% | 1.8% | 1.8% | 1.8% | 1.8% | 1.8% |
| EASTMAN CREDIT UNION | Certificate secured loan | 2% | 2% | N/A | 2% | 2% | N/A | N/A | N/A |
| EASTMAN CREDIT UNION | Share secured loan | 2% | 2% | N/A | 2% | 2% | N/A | N/A | N/A |
| TEXAS DOW EMPLOYEES CREDIT UNION | Certificate of deposit secured loan | 2% | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Share secured loan | 2% | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| LAFAYETTE FEDERAL CREDIT UNION | Certificate secured | 2% | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| LAFAYETTE FEDERAL CREDIT UNION | Share secured | 2% | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| CHARTER OAK FEDERAL CREDIT UNION | Secured personal loan | 2% | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| APPLE FEDERAL CREDIT UNION | Savings secured (certificates) | 2% | 2% | 2% | 2% | 2% | N/A | 2% | N/A |
| ORNL FEDERAL CREDIT UNION | Name share certificate secured | 2% | 2% | N/A | N/A | N/A | N/A | 2% | 2% |
| ORNL FEDERAL CREDIT UNION | Name share secured | 2% | 2% | N/A | N/A | N/A | N/A | 2% | 2% |
| CRANE CREDIT UNION | Loan secured by savings | 2% | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| DEL NORTE CREDIT UNION | Type of loan share or certificate secured | 2% | N/A | N/A | N/A | N/A | N/A | 2% | N/A |
| REDSTONE FEDERAL CREDIT UNION | Share secured | 3% | 3% | 3% | 3% | 3% | 3% | 3% | 3% |
| LAFAYETTE FEDERAL CREDIT UNION | Credit builder | 3% | 3% | 3% | 3% | 3% | 3% | 3% | 3% |
| APPLE FEDERAL CREDIT UNION | Savings secured (regular savings) | 3% | 3% | 3% | 3% | 3% | N/A | 3% | N/A |
| TRUMARK FINANCIAL CREDIT UNION | First credit loan | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% |
| TRUMARK FINANCIAL CREDIT UNION | Term-share secured loan | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% |
| APPLE FEDERAL CREDIT UNION | Educator line of credit | 6.75% | 6.75% | 7.25% | 6.75% | 6.75% | 6.75% | 6.75% | 6.75% |
| APPLE FEDERAL CREDIT UNION | First responder line of credit | 6.75% | 6.75% | 7.25% | 6.75% | 6.75% | 6.75% | 6.75% | 6.75% |
| REDSTONE FEDERAL CREDIT UNION | Home equity line of credit - classic | 7.125%▼ 25 bps | 7.375% | 7.625% | 7.375% | 7.375% | 7.375% | 7.125% | 7.375% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Personal loan | 7.14% | 7.14% | 7.14% | 7.14% | 7.14% | 7.14% | 7.14% | 7.14% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Home advantage loan | 7.24% | 7.24% | 7.24% | 7.24% | 7.24% | 7.24% | 7.24% | 7.24% |
| CHARTER OAK FEDERAL CREDIT UNION | Unsecured personal loans | 7.75% | 7.75% | 7.75% | 7.75% | N/A | 7.75% | 7.75% | 7.75% |
| TRUMARK FINANCIAL CREDIT UNION | Stock loans to 75% of value | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% |
| LAFAYETTE FEDERAL CREDIT UNION | Signature | 8.99% | 8.99% | 8.99% | 8.99% | 8.99% | 8.99% | 8.99% | 8.99% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Cash $tash line of credit | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% | 9.74% |
| LAFAYETTE FEDERAL CREDIT UNION | Line of credit | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% |
| APPLE FEDERAL CREDIT UNION | Signature loan | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% |
| ORNL FEDERAL CREDIT UNION | Name personal | 9.99% | 9.99% | N/A | N/A | N/A | N/A | 9.99% | 9.99% |
| CRANE CREDIT UNION | Custom fit loans | 10.25% | 10.25% | 10.25% | 10.25% | 10.25% | 10.25% | 10.25% | 10.25% |
| TRUMARK FINANCIAL CREDIT UNION | Unsecured-installment signature loans | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% |
| DEL NORTE CREDIT UNION | Type of loan unsecured personal loan | 10.49% | N/A | N/A | N/A | N/A | N/A | 10.49% | N/A |
| CHARTER OAK FEDERAL CREDIT UNION | Readi-cash too | 10.75% | 10.75% | 11% | 10.75% | 10.75% | 10.75% | N/A | 10.75% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 60 months | 10.79% | 10.79% | 10.89% | 10.79% | 10.79% | 10.79% | 10.79% | 10.89% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 72 months | 10.99% | 10.99% | 11.09% | 10.99% | 10.99% | 10.99% | 10.99% | 11.09% |
| APPLE FEDERAL CREDIT UNION | Signature line of credit | 10.99% | 10.99% | 11.49% | 10.99% | 10.99% | 10.99% | 10.99% | 10.99% |
| ORNL FEDERAL CREDIT UNION | Name personal line of credit | 10.99% | 10.99% | N/A | N/A | N/A | N/A | 10.99% | 10.99% |
| REDSTONE FEDERAL CREDIT UNION | Personal line of credit/overdraft | 11.89% | 11.89% | 12.28% | 11.89% | 12.09% | 12.09% | 11.89% | 12.11% |
| CRANE CREDIT UNION | Line of credit | 12% | 12% | 12% | 12% | 12% | 12% | 12% | 12% |
| DEL NORTE CREDIT UNION | Type of loan unsecured revolving line of credit | 12.99% | N/A | N/A | N/A | N/A | N/A | 12.99% | N/A |
| REDSTONE FEDERAL CREDIT UNION | Personal stretch* | 17% | 17% | 17% | 17% | 17% | 17% | 17% | 17% |
| TRUMARK FINANCIAL CREDIT UNION | Better choice | 18% | 18% | 18% | 18% | 18% | 18% | 18% | 18% |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
REDSTONE FEDERAL CREDIT UNION
As of May 8, 2026, REDSTONE’s personal loan APRs remain stable across all products. The lowest rate is the Credit builder loan at 1.0% APR, unchanged over the past month, ideal for members establishing or improving credit. The Share secured loan holds a competitive 3.0% APR, offering a low-cost borrowing option for members with savings collateral. Unsecured signature loans are steady at 10.79% (60 months) and 10.99% (72 months), providing fixed-rate choices for moderate-term financing needs. The Home equity line of credit classic dropped slightly from 7.375% to 7.125% APR in the last 30 days, reflecting modest borrowing cost relief. Members should compare these fixed and variable rates carefully to match 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 May 8, 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 seeking low-cost borrowing secured by shares. For unsecured needs, the First credit loan and Term-share secured loan both hold steady at 6.25% APR, suitable for first-time borrowers or those preferring fixed rates. The Unsecured-installment signature loans carry a consistent rate of 10.49% APR, while stock-backed loans are priced at 8.49% APR. Members should compare these options carefully and consider fixed-rate loans if payment predictability is a priority.
EASTMAN CREDIT UNION
As of May 8, 2026, EASTMAN’s Certificate secured loan and Share secured loan both maintain a stable APR of 2.0%, showing no change over the past 30 days. These represent the lowest available borrowing rates among EASTMAN’s personal loan options, ideal for members seeking low-cost, secured financing. Members with certificate or share savings can leverage these fixed-rate loans for predictable payments and affordable terms. For borrowers prioritizing payment certainty and low APRs, these products warrant close consideration. To choose the best fit, compare secured loan terms with your financial goals. For more details, visit https://www.ecu.org/borrow/personal-loans/personal-loan#section-1.
TEXAS DOW EMPLOYEES CREDIT UNION
As of May 8, 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, suitable for members seeking secured borrowing options with minimal cost. For unsecured needs, the Personal Loan stands at 7.14% APR, while the Home Advantage Loan is slightly higher at 7.24% APR. 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 to align borrowing choices 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 8, 2026, LAFAYETTE personal loan rates remain stable with no changes over the past 30 days. The lowest APRs are on Certificate secured, Share secured loans at 2.0%, ideal for members seeking low-cost, collateral-backed borrowing. The Credit builder loan holds steady at 3.0% APR, supporting members building credit history. For unsecured options, the Signature loan offers a competitive fixed rate of 8.99% APR, while the flexible Line of credit remains at 9.99% APR. Members should compare these rates based on their security preferences and borrowing needs; consider fixed-rate loans 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 May 8, 2026, CHARTER OAK personal loan rates remain stable across all products. The Secured personal loan holds the lowest APR at a consistent 2.0%, unchanged over the past 30 days, offering an attractive option for members with collateral seeking low-cost borrowing. The Unsecured personal loans maintain an APR of 7.75%, steady for the last month, suitable for members needing flexible unsecured credit. The Readi-cash too product is offered at 10.75%, unchanged but higher than other options, fitting short-term or smaller borrowing needs. Members should compare these fixed rates to align with their financial goals and consider secured loans for lower costs if eligible.
For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
APPLE FEDERAL CREDIT UNION
As of May 8, 2026, all APRs for APPLE credit union personal loan products 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 borrowing backed by certificates. For unsecured options, the Signature loan maintains a competitive 9.99% APR, while the Signature line of credit stands at 10.99% APR. Both lines of credit for educators and first responders hold steady at 6.75% APR, providing favorable terms for these groups. Members should review product terms to align borrowing needs with fixed or flexible rates accordingly. For more details, visit https://www.applefcu.org/loans/personalloans,
ORNL FEDERAL CREDIT UNION
As of May 8, 2026, ORNL’s personal loan rates remain stable across all products with no changes over the past 30 days. The Name personal loan holds a steady APR of 9.99%, offering a consistent unsecured borrowing option. The Name personal line of credit maintains an APR of 10.99%, suitable for members needing flexible access to funds. For secured loans, both the Name share certificate secured and Name share secured feature the lowest APR at 2.00%, providing cost-effective options for members leveraging collateral. Members should compare these fixed-rate products carefully based on their credit needs and consider secured loans for lower borrowing costs.
CRANE CREDIT UNION
As of May 8, 2026, CRANE’s personal loan rates remain stable with no changes in 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 savings. The Custom fit loans carry a fixed 10.25% APR, suitable for those needing flexible unsecured borrowing. The Line of credit holds steady at 12.0% APR, providing ongoing access to funds with a variable balance. Members should compare these options based on their borrowing needs and consider secured loans for lower rates or fixed-rate loans for predictable payments. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
DEL NORTE CREDIT UNION
As of May 8, 2026, DEL NORTE personal loan rates remain stable with no changes over the past 7 days. The Type of loan share or certificate secured offers the lowest APR at 2.0%, ideal for members seeking low-cost, collateral-backed borrowing. For unsecured options, the Type of loan unsecured personal loan maintains an APR of 10.49%, suitable for general borrowing needs without collateral. The Type of loan unsecured revolving line of credit holds steady at 12.99%, providing flexible access to funds with variable repayment terms. Members should compare these products carefully and consider fixed-rate loans for predictable payments. For more details, visit https://www.dncu.com/personal/personal-loans/#rates.
LendMesh
Dreaming of a home makeover? Planning your next adventure? A personal loan can turn ‘maybe someday’ into ‘let’s do this.’ At LendMesh, we’ve built a platform that connects you to loan offers tailored to your plans—from credit unions that value your community to banks that support your journey. Compare options today at https://www.lendmesh.com/loans/personal_loans and take charge of your future—with less stress and more freedom.
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Conclusion
When planning your next personal loan, be it for debt consolidation, emergency expenses, or major life events, prioritize securing the lowest possible APR to reduce your overall cost of borrowing. Secured loans like share- or certificate-backed options offer some of the most favorable rates currently available and can be an excellent choice if you have collateral. Keep an eye on signature loans if you prefer unsecured borrowing; competitive rates under 9% are accessible through several credit unions right now. Remember to review your credit union’s terms carefully and consider how the loan length impacts monthly payments and total interest paid. Checking rates regularly can uncover timely opportunities to save, so don’t hesitate to revisit your options next week as markets shift. Smart borrowing starts with staying informed, and today’s rate landscape offers promising pathways toward financial flexibility and peace of mind.