Introduction
As of May 15, 2026, credit union personal loan rates remain steady with some standout opportunities for borrowers looking to save. The lowest APRs continue to be found with secured loans, where several credit unions offer rates as low as 2.0% on certificate and share-secured loans, perfect for members seeking low-cost borrowing options backed by savings or certificates of deposit. For those eyeing unsecured options, TRUMARK FINANCIAL’s first credit loan at 6.25% APR and APPLE’s educator and first responder lines of credit at 6.75% APR provide competitive choices for working professionals and families. Signature loans hover around the 9.99% to 10.99% range across multiple credit unions, offering flexible repayment terms without collateral. Notably, most rates have held firm over the past month, providing stability in an otherwise fluctuating market. Whether you’re consolidating debt or planning a big purchase, today’s data highlights valuable low-rate options to explore.
Personal Loans
| Lender | Product | 2026-05-15 Current | 2026-04-30 15 Days Ago | 2025-11-16 180 Days Ago | 2026-04-15 30 Days Ago | 2026-03-31 45 Days Ago | 2026-03-16 60 Days Ago | 2026-05-08 7 Days Ago | 2026-02-14 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% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Certificate of deposit secured loan | 2% | 2% | 2% | 2% | N/A | 2% | 2% | 2% |
| TEXAS DOW EMPLOYEES CREDIT UNION | Share secured loan | 2% | 2% | 2% | 2% | N/A | 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 |
| AFFINITY FEDERAL CREDIT UNION | Certificate secured loan | 2% | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| AFFINITY FEDERAL CREDIT UNION | Shared secured loan | 2.75% | 2.75% | 2.75% | 2.75% | 2.75% | 2.75% | 2.75% | 2.75% |
| 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 |
| AFFINITY FEDERAL CREDIT UNION | Student loan consolidation program | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% |
| 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% | 7.75% | 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% | N/A | 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% | N/A | 11% | 10.75% | 10.75% | 10.75% | 10.75% | 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% |
| AFFINITY FEDERAL CREDIT UNION | Personal loan | 12.5% | 12.5% | 12.5% | 12.5% | 12.5% | 12.5% | 12.5% | 12.5% |
| 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 |
| AFFINITY FEDERAL CREDIT UNION | Debt consolidation loan | 13.5% | 13.5% | 13.5% | 13.5% | 13.5% | 13.5% | 13.5% | 13.5% |
| AFFINITY FEDERAL CREDIT UNION | Privateline overdraft protection | 13.75% | 13.75% | 14% | 13.75% | 13.75% | 13.75% | 13.75% | 13.75% |
| 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 15, 2026, REDSTONE personal loan rates remain stable across all products. The Credit Builder loan holds the lowest APR at a steady 1.0%, ideal for members establishing credit. The Share Secured loan offers a competitive 3.0% APR, providing a low-cost secured borrowing option. Among unsecured loans, the Personal Unsecured Signature - 60 months features an attractive fixed rate of 10.79%, unchanged over the past month. The Home Equity Line of Credit - Classic shows a modest improvement, with APR decreasing by 0.25 percentage points (25 bps) from 7.375% to 7.125% in the last 30 days. Members should compare these rates carefully 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 May 15, 2026, TRUMARK FINANCIAL’s personal loan rates remain stable with no changes in APRs over the past 30 days. The Share-secured loan offers the lowest rate at 1.8% APR, ideal for members seeking low-cost borrowing backed by savings. For unsecured options, Unsecured-installment signature loans hold steady at 10.49% APR, while the First credit loan provides a competitive rate of 6.25% APR for first-time borrowers or credit builders. Members considering flexible borrowing may evaluate secured versus unsecured options based on their collateral and repayment preferences. For more details, visit https://www.trumarkonline.org/rates/#:~:text=Signature%20Loan%20Rates-,Account%20%C2%A0,-Term%20%C2%A0
TEXAS DOW EMPLOYEES CREDIT UNION
As of May 15, 2026, TEXAS DOW EMPLOYEES credit union's personal loan rates remain stable with no changes in APRs 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 using collateral. For unsecured options, the Personal loan maintains a consistent rate of 7.14% APR, providing a fixed-rate choice for general borrowing needs. The Cash $tash line of credit and Home advantage loan also remain steady at 9.74% and 7.24% APR, respectively, suitable for flexible credit access or home-related expenses. Members should compare products based on their security preferences and consider fixed rates for predictable payments.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured,
LAFAYETTE FEDERAL CREDIT UNION
As of May 15, 2026, LAFAYETTE credit union’s personal loan rates remain stable with no changes over the past 30 days. The lowest APRs are found in secured options: both the Certificate secured and Share secured loans offer a consistent 2.0% APR, ideal for members with collateral seeking low-cost borrowing. The Credit builder loan holds steady at 3.0% APR, supporting members establishing or improving credit. For unsecured borrowing, the Signature loan maintains an 8.99% APR, while the flexible Line of credit stays at 9.99% APR. Members should review these fixed-rate options to align borrowing costs with 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 May 15, 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 attractive option for members seeking collateral-backed borrowing. Unsecured personal loans maintain a consistent rate of 7.75% APR, suitable for those needing flexible, unsecured financing. Members should compare these fixed-rate options based on their credit profile and borrowing needs to ensure alignment with their financial goals. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
APPLE FEDERAL CREDIT UNION
As of May 15, 2026, APPLE credit union’s personal loan APRs remain stable with no changes 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. Secured options also include the Savings secured (regular savings) at 3.00% APR. For unsecured borrowing, the Signature loan offers a competitive fixed rate of 9.99% APR, while the Signature line of credit stands at 10.99% APR. Specialized lines of credit for educators and first responders maintain steady rates at 6.75% APR. Members should compare these fixed and variable options to align with their financial goals and risk tolerance.
For more details, visit https://www.applefcu.org/loans/personalloans.
ORNL FEDERAL CREDIT UNION
As of May 15, 2026, ORNL’s personal loan rates remain stable with no changes over the past 30 days. The Name personal loan holds steady at 9.99% APR, offering competitive unsecured borrowing. For flexible borrowing, the Name personal line of credit maintains an APR of 10.99%. Members seeking secured options will find the Name share certificate secured and Name share secured loans both at the lowest rate of 2.0% APR, ideal for those leveraging savings as collateral. Consider your borrowing needs carefully; compare fixed and variable rates to match your payment preferences and financial goals. For more details, visit https://ornlfcu.com/personal/rates#personal-loans:~:text=below%20for%20details-,Other%20Loans,-NAME
CRANE CREDIT UNION
As of May 15, 2026, CRANE credit union's personal loan rates remain stable across all products. The Custom fit loans carry an APR of 10.25%, unchanged over the past 30 days. The Line of credit also holds steady at 12.0% APR, suitable for members needing flexible borrowing access. The lowest rate is found with the Loan secured by savings at a consistent 2.0% APR, offering cost-effective borrowing for those with savings collateral. Members should evaluate their borrowing needs and consider fixed-rate options for predictable payments or secured loans to minimize interest expenses. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
DEL NORTE CREDIT UNION
As of May 15, 2026, DEL NORTE’s 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 affordable borrowing secured by savings. The Type of loan unsecured personal loan holds steady at 10.49% APR, suitable for those needing fixed-rate financing without collateral. Meanwhile, the Type of loan unsecured revolving line of credit remains at 12.99% APR, providing flexible borrowing but at a higher cost. Members should compare these options based on their collateral availability and repayment preferences to align with financial goals. For more details, visit https://www.dncu.com/personal/personal-loans/#rates.
AFFINITY FEDERAL CREDIT UNION
As of May 15, 2026, AFFINITY personal loan rates remain stable across all products with no changes over the past 30 days. The Certificate secured loan offers the lowest APR at 2.0%, ideal for members seeking low-cost, secured borrowing. The Shared secured loan follows closely at 2.75%. Unsecured options like the Personal loan and Debt consolidation loan hold steady at 12.5% and 13.5%, respectively, suitable for those consolidating debt or needing flexible funding. The Student loan consolidation program maintains a competitive fixed rate of 4.99%. Members should compare these fixed-rate loans to match their financial goals and risk tolerance.
LendMesh
Your goals aren’t one-size-fits-all, so why should your loan options be? At LendMesh, we help you find personal loans that match your life—not just your credit score. We work with a wide network of credit unions and banks to make sure you get access to competitive rates, flexible terms, and helpful insights. Ready to compare offers side by side? Visit https://www.lendmesh.com/loans/personal_loans and find a fit that’s truly yours.
Conclusion
When considering a personal loan for debt consolidation, emergencies, or life events, prioritize your borrowing needs and compare both secured and unsecured options carefully. Secured loans with rates near 2.0% can significantly reduce interest costs if you have qualifying collateral like a savings account or certificate of deposit. Meanwhile, unsecured loans from trusted credit unions offer convenience with competitive APRs typically under 11%. Keep an eye on products designed for specific member groups, such as educator or first responder lines, which often feature attractive rates tailored to your profession. Remember, even small differences in APR can add up over time, so lock in the lowest rate available today and plan your budget accordingly. Check back next week as rates may shift, opening new doors for smarter borrowing solutions that fit your financial goals.