Introduction
As of May 22, 2026, credit union members have access to some of the most competitive personal loan rates in recent weeks, making it an excellent time to secure financing for your next big step. Whether you’re looking to build credit, consolidate debt, or fund a major life event, secured loans shine with rates as low as 2.0% APR at several institutions including TEXAS DOW EMPLOYEES, LAFAYETTE, ORNL, CRANE, and others. For those seeking unsecured options, REDSTONE offers personal unsecured signature loans at 10.79% APR for 60 months, holding steady over the past month. Notably, certificate secured loans remain consistently low at 2.0%, providing a safe borrowing choice. If you want flexible access to funds, REDSTONE’s Credit Builder program stands out with a remarkable 1.0% APR, ideal for establishing or improving credit profiles. Rates have remained stable over the past 30 days across nearly all products, signaling a steady borrowing environment for members ready to act now.
Personal Loans
Credit Union
Product
2026-05-22
(Current Day)
(Current Day)
2026-05-07
(15 Days Ago)
(15 Days Ago)
2025-11-23
(180 Days Ago)
(180 Days Ago)
2026-04-22
(30 Days Ago)
(30 Days Ago)
2026-04-07
(45 Days Ago)
(45 Days Ago)
2026-03-23
(60 Days Ago)
(60 Days Ago)
2026-05-15
(7 Days Ago)
(7 Days Ago)
2026-02-21
(90 Days Ago)
(90 Days Ago)
Home equity line of credit - classic
7.125
7.125
7.375▲ 25 bps
7.375▲ 25 bps
7.375▲ 25 bps
7.125
7.375▲ 25 bps
Personal line of credit/overdraft
11.89
11.89
11.89
11.89
12.09▲ 20 bps
11.89
12.11▲ 22 bps
Personal unsecured signature - 60 months
10.79
10.79
10.89▲ 10 bps
10.79
10.79
10.79
10.79
10.89▲ 10 bps
Personal unsecured signature - 72 months
10.99
10.99
11.09▲ 10 bps
10.99
10.99
10.99
10.99
11.09▲ 10 bps
Privateline overdraft protection
13.75
13.75
14▲ 25 bps
13.75
13.75
13.75
13.75
13.75
REDSTONE FEDERAL CREDIT UNION
As of May 22, 2026, REDSTONE’s personal loan rates remain stable with no changes in APRs over the past 30 days except for the Home equity line of credit - classic, which decreased slightly from 7.375% to 7.125%, a reduction of 0.25 percentage points (25 bps). The Credit builder loan holds the lowest APR at 1.0%, ideal for members building credit. Among unsecured options, the Personal unsecured signature loans offer competitive fixed rates at 10.79% (60 months) and 10.99% (72 months). For secured borrowing, the Share secured loan at 3.0% APR provides a low-cost alternative. Members should compare these products based on term and security preferences and consider fixed-rate loans for payment predictability.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TEXAS DOW EMPLOYEES CREDIT UNION
As of May 22, 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 2.00% APR, ideal for members seeking secured borrowing with minimal interest costs. For unsecured options, both the Personal Loan and the Home Advantage Loan hold steady at 7.14% and 7.24% APR, respectively, suitable for general borrowing needs or home-related expenses. The Cash $tash Line of Credit remains unchanged at 9.74% APR, offering flexible access to funds. Members should compare these fixed-rate products carefully based on their collateral preferences and repayment goals. For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of May 22, 2026, LAFAYETTE credit union’s personal loan APRs remain stable with no changes over the past 30 days. The Certificate secured, Credit builder, and Share secured loans all hold steady at a low 2.0% APR, representing the most affordable borrowing options for members seeking secured financing or credit-building opportunities. The Signature loan offers a competitive unsecured rate at 8.99% APR, while the Line of credit remains at 9.99% APR, suitable for flexible borrowing needs. Members should compare these fixed-rate products carefully and consider secured options to minimize interest costs when possible.
For more details, visit https://www.lfcu.org/rates/personal-credit-cards-loans-rates/#rates-table-personal-loans.
ORNL FEDERAL CREDIT UNION
As of May 22, 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 a consistent fixed rate for unsecured borrowing needs. The Name personal line of credit is priced at 10.99% APR, providing flexibility with a revolving credit option. For secured borrowing, both the Name share certificate secured and Name share secured loans offer the lowest available APR at 2.0%, reflecting minimal risk and cost. Members seeking predictable payments may consider these fixed-rate options; those needing ongoing access might evaluate the line of credit. Compare products carefully based on your borrowing 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 22, 2026, CRANE's personal loan rates remain stable across all products. The Custom fit loans hold steady at 10.25% APR, with no changes in the past 30 days. The Line of credit also maintains a consistent rate of 12.0% APR. Notably, the Loan secured by savings offers the lowest rate at 2.0% APR, unchanged for a month, making it the most cost-effective option for members who can provide savings collateral. Members seeking predictable payments may consider these fixed rates while comparing unsecured and secured options aligned with their financial goals. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
DEL NORTE CREDIT UNION
As of May 22, 2026, DEL NORTE personal loan rates remain steady with no changes over the past 30 days. The Share or certificate secured loan offers the lowest APR at 2.0%, ideal for members seeking low-cost borrowing backed by savings. The Unsecured personal loan holds a fixed rate of 10.49% APR, providing a straightforward option for general borrowing without collateral. For flexible borrowing, the Unsecured revolving line of credit maintains an APR of 12.99%, suited for members who prefer ongoing access to funds. Members should compare these options based on their credit needs and consider fixed-rate loans for predictable payments. For more details, visit https://www.dncu.com/personal/personal-loans/#rates,
AFFINITY FEDERAL CREDIT UNION
As of May 22, 2026, AFFINITY’s personal loan rates remain stable across all products with no changes in APR over the past 30 days. The Certificate secured loan holds the lowest APR at 2.0%, ideal for members seeking low-cost, secured borrowing options. The Shared secured loan follows closely at 2.75%, offering another affordable secured choice. For unsecured borrowing, the standard Personal loan maintains a consistent 12.5% APR, while the Debt consolidation loan and Privateline overdraft protection are steady at 13.5% and 13.75% respectively, suitable for members aiming to manage or consolidate debt. The Student loan consolidation program remains fixed at 4.99%, providing a competitive option for educational debt restructuring.
Members should review their borrowing needs carefully and consider fixed-rate loans for predictable payments when planning finances. Compare these offerings based on your credit profile and repayment goals for best alignment.
Y-12 FEDERAL CREDIT UNION
As of May 22, 2026, Y-12 personal loan rates remain stable with no changes over the past 30 days. The Share secured - installment loan offers the lowest APR at 2.0%, ideal for members seeking low-cost borrowing backed by shares. Among unsecured options, the Signature loan maintains a consistent APR of 12.49%, while the Ultra loan and Access line of credit are steady at 13.99% and 14.49%, respectively. Members should evaluate fixed-rate loans like these for predictable payments or consider share-secured loans for lower rates when collateral is available. For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
GLOBAL FEDERAL CREDIT UNION
As of May 22, 2026, GLOBAL personal loan rates remain stable across all products with no changes in APR over the past 30 days. The lowest rate is on Pledge of certificates (secured) loans at 2.0% APR, closely followed by Pledge of shares (secured) loans at 2.1% APR, offering highly competitive borrowing costs for members seeking secured options. For unsecured borrowing, the Signature loan rate holds steady at 14.9% APR, while Credit line rates remain at 13.5% APR. Members should compare fixed and variable options based on their credit needs and risk tolerance to select the best fit. For more details, visit https://www.globalcu.org/rates/personal-loan-rates/.
VERMONT FEDERAL CREDIT UNION
As of May 22, 2026, VERMONT credit union’s personal loan APRs remain stable across all products with no changes in the past 30 days. The Share/certificate secured loan offers the lowest APR at 2.0%, ideal for members seeking low-risk borrowing tied to savings. Among unsecured options, the shortest-term Personal loan (0-12 months) maintains a competitive 7.5% APR, while longer terms rise modestly to 9.5% (13-36 months) and 10.75% (37-60 months). For members building credit, the Credit builder loan holds steady at 6.0%. Members should compare fixed versus variable rates and assess term lengths to match their financial goals.
LendMesh
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Conclusion
When planning your financial future, be it consolidating high-interest debt or managing unexpected expenses, locking in a low-rate secured loan can save you significant interest costs over time. Consider certificate or share-secured loans if you have savings set aside; these offer some of the lowest APRs available and help protect your credit rating. If unsecured loans better fit your needs, look closely at signature loans around the 9-11% range and compare terms carefully. Remember to assess loan length alongside rates to find a balance that suits your budget and goals. Most importantly, don’t delay in reviewing current rates and terms, even small differences in APR can translate into big savings on repayments. Keep an eye on upcoming updates next week to catch any rate shifts and seize new opportunities tailored just for you. Your best financial move starts with informed decisions today!