Introduction
As of May 29, 2026, credit union members have some fantastic personal loan options to consider for their financial goals. Whether you’re building credit, consolidating debt, or planning a big purchase, there are exceptionally low APRs available on secured loans, with several credit unions offering rates as low as 2.0% on certificate- and share-secured loans, including Lafayette, Apple, ORNL, Crane, Del Norte, Affinity, and Y-12. For unsecured borrowing, TRUMARK FINANCIAL’s First Credit Loan stands out at just 6.25% APR, perfect for first-time borrowers looking for affordable terms. Meanwhile, signature loans hover around competitive mid-to-high single digits to low double digits across various institutions. Notably, most rates have remained steady over the past month, providing stability and predictability for prospective borrowers. Whether you need a flexible line of credit or a fixed-term loan, today’s data highlights excellent opportunities to secure financing with confidence.
Personal Loans
Credit Union
Product
2026-05-29
(Current Day)
(Current Day)
2026-05-14
(15 Days Ago)
(15 Days Ago)
2025-11-30
(180 Days Ago)
(180 Days Ago)
2026-04-29
(30 Days Ago)
(30 Days Ago)
2026-04-14
(45 Days Ago)
(45 Days Ago)
2026-03-30
(60 Days Ago)
(60 Days Ago)
2026-05-22
(7 Days Ago)
(7 Days Ago)
2026-02-28
(90 Days Ago)
(90 Days Ago)
Home equity line of credit - classic
7.125
7.125
7.625▲ 50 bps
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
12.28▲ 39 bps
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
Unsecured-installment signature loans
10.49
10.49
10.49
10.49
10.49
10.49
10.49
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 29, 2026, REDSTONE’s personal loan rates remain stable with no changes over the past 7, 15, or 30 days except a slight decrease in the Home equity line of credit - classic APR, which fell from 7.375% to 7.125% (a drop of 0.25 percentage points or 25 bps) over the last month. The lowest APR available is 1.0% on the Credit builder loan, ideal for members establishing credit history. For secured borrowing, the Share secured loan at 3.0% APR offers a low-cost option. Members seeking predictable payments might consider fixed-rate Personal unsecured signature loans at around 10.79, 10.99% APR. Compare these options carefully to match your borrowing needs and risk tolerance.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TRUMARK FINANCIAL CREDIT UNION
As of May 29, 2026, TRUMARK FINANCIAL 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 secured by their savings. For unsecured options, Unsecured-installment signature loans carry a competitive rate of 10.49%, suitable for general borrowing needs without collateral. First-time borrowers may consider the First credit loan at 6.25%, providing accessible credit-building opportunities. Members should compare these fixed-rate products to align with their financial goals and evaluate secured versus unsecured options for payment certainty and cost efficiency.
TEXAS DOW EMPLOYEES CREDIT UNION
As of May 29, 2026, all TEXAS DOW EMPLOYEES personal loan rates remain stable with no changes over the past 7, 15, or 30 days. The lowest APRs are found in secured options: both the Certificate of deposit secured loan and Share secured loan offer a competitive 2.0% APR, ideal for members seeking low-cost borrowing backed by collateral. For unsecured needs, the Personal loan holds steady at 7.14% APR, while the Home advantage loan is slightly higher at 7.24% APR, suitable for home-related expenses. The Cash $tash line of credit maintains a consistent 9.74% APR, offering flexible access to funds. Members should review their borrowing goals and consider fixed-rate products for predictable payments.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of May 29, 2026, LAFAYETTE personal loan rates remain steady with no changes over the past 30 days. The Certificate secured and Share secured loans offer the lowest APR at a consistent 2.0%, ideal for members seeking low-cost, secured borrowing. The Credit builder loan maintains a stable 3.0% APR, supporting members aiming to improve credit profiles affordably. Unsecured options like the Signature loan hold firm at 8.99% APR, while the Line of credit remains at 9.99% APR for flexible access to funds. New to this update are multiple Home improvement loans fixed at 10.74% APR, providing longer terms up to 15 years.
Members should compare these fixed and variable-rate options carefully based on their borrowing purpose and term preferences; consider fixed-rate products for payment certainty or secured loans to minimize 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 29, 2026, APPLE credit union’s personal loan rates remain steady with no changes over the past 30 days. The Savings secured (certificates) offer the lowest APR at 2.00%, ideal for members seeking low-risk borrowing options. For unsecured needs, the Signature loan holds a competitive fixed rate of 9.99%, while the Signature line of credit is slightly higher at 10.99%. Specialized lines of credit for educators and first responders maintain consistent APRs at 6.75%, providing stable borrowing costs for these groups. Members should compare product terms based on their credit profile and borrowing purpose; consider fixed-rate loans for payment certainty.
For more details, visit https://www.applefcu.org/loans/personalloans.
ORNL FEDERAL CREDIT UNION
As of May 29, 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 competitive unsecured option for members seeking fixed-rate borrowing. The Name personal line of credit is consistent 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 rate at 2.00% APR, ideal for members leveraging savings for lower-cost financing. Compare these options carefully to align with your borrowing goals and consider fixed-rate loans for predictable payments.
CRANE CREDIT UNION
As of May 29, 2026, CRANE’s personal loan rates remain steady 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 options, the Custom fit loans maintain a consistent 10.25% APR, suitable for general personal needs. The Line of credit remains at 12.0% APR, providing flexible access to funds without fixed terms. Members should evaluate their borrowing goals and consider fixed-rate loans for predictable payments or secured options for lower interest costs. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
DEL NORTE CREDIT UNION
As of May 29, 2026, DEL NORTE’s personal loan rates remain stable across all products. The Share or certificate secured loan continues to offer the lowest APR at 2.0%, unchanged over the past 30 days, providing a cost-effective option for members with savings collateral. The Unsecured personal loan maintains a consistent APR of 10.49%, suitable for members seeking fixed-rate financing without collateral. The Unsecured revolving line of credit holds steady at 12.99%, offering flexible borrowing but at a higher cost compared to fixed unsecured loans.
Members should compare these options based on their borrowing needs and consider fixed-rate loans for payment predictability. For more details, visit https://www.dncu.com/personal/personal-loans/#rates.
AFFINITY FEDERAL CREDIT UNION
As of May 29, 2026, AFFINITY's personal loan rates remain stable 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 borrowing secured by certificates. The Shared secured loan also provides a competitive rate at 2.75%. For unsecured borrowing, the standard Personal loan stands at 12.5% APR, while the Debt consolidation loan and Privateline overdraft protection are slightly higher at 13.5% and 13.75%, respectively. The Student loan consolidation program holds a moderate rate of 4.99%, beneficial for refinancing education debt.
Members should compare these fixed-rate options based on security and purpose to select terms aligned with their financial goals.
Y-12 FEDERAL CREDIT UNION
As of May 29, 2026, Y-12 credit union's personal loan APRs remain stable across all products with no changes in the past 30 days. The Share secured - installment loan offers the lowest APR at 2.0%, ideal for members seeking low-cost borrowing secured by their shares. Among unsecured options, the Signature loan at 12.49% APR provides a fixed-rate solution for predictable payments, while the Ultra loan and Access line of credit both hold steady at 13.99% and 14.49%, respectively. Members should compare these rates and consider fixed-rate loans for payment certainty when planning their borrowing needs. For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
LendMesh
Need a little extra help this month—or this year? Personal loans through LendMesh are designed to meet you where you are. Whether you're planning a big life moment or catching up after a tough one, we help you compare loan options that work for you, not against you. Visit https://www.lendmesh.com/loans/personal_loans and take the pressure out of the process.
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Conclusion
If you’re considering a personal loan in the coming weeks, whether to consolidate higher-interest debt, manage unexpected expenses, or invest in home improvements, now is a great time to explore secured loan options that offer some of the lowest APRs available in the market. Secured loans backed by certificates or shares can significantly reduce your borrowing costs while building your credit profile. For those seeking unsecured options, focus on lenders offering competitive signature or first-credit loans with manageable interest rates around 6, 10%. Remember to compare terms carefully and assess your repayment ability before committing. Keeping an eye on weekly rate updates can help you lock in the best deal when timing matters most. Stay proactive by reviewing your credit union’s offerings regularly and taking advantage of these member-friendly rates to meet your financial needs efficiently and responsibly.