Introduction
As of June 5, 2026, credit union members have access to some truly standout personal loan opportunities designed to fit a variety of financial needs. Whether you're looking to build credit, consolidate debt, or secure funds for life’s big moments, today’s rates offer strong incentives. The lowest unsecured signature loans are available at Lafayette Credit Union with an attractive 8.99% APR, while share-secured loans are impressively low across many credit unions, starting as low as 1.8% at TruMark Financial and 2.0% at several others. For those seeking flexible borrowing options, REDSTONE’s credit builder program holds steady at a remarkably low 1.0% APR. Notably, Affinity Credit Union’s debt consolidation loan rate improved slightly this week, dropping from 13.5% to 12.75% APR, offering a better path to manage existing balances. Whether it’s the ultra-competitive secured loans or personal lines of credit with stable rates, today’s data signals excellent borrowing conditions for all types of members.
Personal Loans
| Lender | Product | 2026-06-05 Current | 2026-05-21 15 Days Ago | 2025-12-07 180 Days Ago | 2026-05-06 30 Days Ago | 2026-04-21 45 Days Ago | 2026-04-06 60 Days Ago | 2026-05-29 7 Days Ago | 2026-03-07 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% | N/A | 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% | 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% | N/A | 2% | 2% | 2% | 2% | N/A | 2% |
| APPLE FEDERAL CREDIT UNION | Savings secured (certificates) | 2% | 2% | N/A | 2% | 2% | 2% | 2% | N/A |
| ORNL FEDERAL CREDIT UNION | Name share certificate secured | 2% | 2% | N/A | 2% | 2% | N/A | 2% | 2% |
| ORNL FEDERAL CREDIT UNION | Name share secured | 2% | 2% | N/A | 2% | 2% | N/A | 2% | 2% |
| CRANE CREDIT UNION | Loan secured by savings | 2% | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| AFFINITY FEDERAL CREDIT UNION | Certificate secured loan | 2% | 2% | 2% | 2% | 2% | 2% | 2% | 2% |
| Y-12 FEDERAL CREDIT UNION | Share secured - installment 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% | N/A | 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% | N/A | 3% | 3% | 3% | 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% | N/A | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% |
| TRUMARK FINANCIAL CREDIT UNION | Term-share secured loan | 6.25% | N/A | 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% | 6.75% | 6.75% | 6.75% | 6.75% | 6.75% |
| APPLE FEDERAL CREDIT UNION | First responder line of credit | 6.75% | 6.75% | 7% | 6.75% | 6.75% | 6.75% | 6.75% | 6.75% |
| REDSTONE FEDERAL CREDIT UNION | Home equity line of credit - classic | 7.125% | 7.125% | N/A | 7.125% | 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 loan | 7.75% | 7.75% | N/A | N/A | N/A | N/A | 7.75% | N/A |
| TRUMARK FINANCIAL CREDIT UNION | Stock loans to 75% of value | 8.49% | N/A | 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 | 9.99% | 9.99% | 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% | N/A | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% |
| CHARTER OAK FEDERAL CREDIT UNION | Readi-cash too | 10.75% | 10.75% | 11% | 10.75% | 10.75% | 10.75% | N/A | 10.75% |
| APPLE FEDERAL CREDIT UNION | Signature line of credit | 10.99% | 10.99% | 11.24% | 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 | 10.99% | 10.99% | N/A | 10.99% | 10.99% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 60 months | 11.09%▲ 30 bps | 10.79% | 10.89% | 10.79% | 10.79% | 10.79% | 10.79% | 10.79% |
| REDSTONE FEDERAL CREDIT UNION | Personal unsecured signature - 72 months | 11.29%▲ 30 bps | 10.99% | 11.09% | 10.99% | 10.99% | 10.99% | 10.99% | 10.99% |
| AFFINITY FEDERAL CREDIT UNION | Personal loan | 11.75%▼ 75 bps | 12.5% | 12.5% | 12.5% | 12.5% | 12.5% | 12.5% | 12.5% |
| REDSTONE FEDERAL CREDIT UNION | Personal line of credit/overdraft | 11.89% | 11.89% | N/A | 11.89% | 11.89% | 11.89% | 11.89% | 12.09% |
| CRANE CREDIT UNION | Line of credit | 12% | 12% | 12% | 12% | 12% | 12% | 12% | 12% |
| Y-12 FEDERAL CREDIT UNION | Signature loan | 12.49% | 12.49% | 12.49% | 12.49% | 12.49% | 12.49% | 12.49% | 12.49% |
| AFFINITY FEDERAL CREDIT UNION | Debt consolidation loan | 12.75%▼ 75 bps | 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% |
| Y-12 FEDERAL CREDIT UNION | Ultra loan | 13.99% | 13.99% | 13.99% | 13.99% | 13.99% | 13.99% | 13.99% | 13.99% |
| Y-12 FEDERAL CREDIT UNION | Access line of credit | 14.49% | 14.49% | 14.74% | 14.49% | 14.49% | 14.49% | 14.49% | 14.49% |
| REDSTONE FEDERAL CREDIT UNION | Personal stretch* | 17% | 17% | 17% | 17% | 17% | 17% | 17% | 17% |
| TRUMARK FINANCIAL CREDIT UNION | Better choice | 18% | N/A | 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 June 5, 2026, REDSTONE's personal loan rates remain stable with no changes in APRs over the past 30 days. The lowest APR is 1.0% for the Credit Builder loan, ideal for members establishing or improving credit. Members seeking secured borrowing can consider the Share Secured loan at 3.0% APR or the Home Equity Line of Credit - Classic at 7.125% APR, both unchanged. Unsecured signature loans range from 11.09% to 11.29% APR with fixed terms of 60 to 72 months, while the Personal Stretch loan holds steady at 17.0% APR for flexible borrowing. Members should compare these options based on their credit needs and risk tolerance; fixed-rate products offer payment certainty, whereas lines of credit provide ongoing access.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TRUMARK FINANCIAL CREDIT UNION
As of June 5, 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 shares. For unsecured options, the Unsecured-installment signature loans carry a steady rate of 10.49%, suitable for members needing fixed payments without collateral. First-time borrowers may find the First credit loan attractive at a consistent 6.25% APR. Members aiming to leverage investments can consider the Stock loans to 75% of value at 8.49% APR. Compare these products carefully to align with your financial goals and consider fixed-rate loans for payment stability.
TEXAS DOW EMPLOYEES CREDIT UNION
As of June 5, 2026, TEXAS DOW EMPLOYEES credit union’s personal loan rates remain stable across all products with no changes over the past 30 days. The Certificate of Deposit Secured Loan and Share Secured Loan offer the lowest APRs at 2.0%, ideal for members seeking low-risk borrowing backed by assets. For unsecured borrowing, the Personal Loan holds a consistent APR of 7.14%, suitable for general financing needs. Members aiming for flexible access might consider the Cash $tash Line of Credit at 9.74% APR. Review your borrowing goals carefully and consider fixed-rate options if you want payment certainty. For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of June 5, 2026, LAFAYETTE credit union’s personal loan rates remain stable with no changes in the past 30 days. The lowest APRs are offered by Certificate secured, Share secured loans at 2.0%, ideal for members seeking low-risk borrowing options. The Credit builder loan holds steady at 3.0%, supporting members building credit history. For unsecured borrowing, the Signature loan rate is fixed at 8.99%, while the flexible Line of credit remains at 9.99%. Members should compare these fixed and variable options to align borrowing costs with financial goals and risk tolerance.
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 June 5, 2026, CHARTER OAK’s personal loan rates remain steady across key products. The Readi-cash too loan holds an APR of 10.75%, unchanged over the past month. The Secured personal loan offers the lowest rate at 2.0% APR, consistent with last month, making it ideal for members seeking low-cost borrowing with collateral. The Unsecured personal loan remains at 7.75% APR, stable over the last 15 days, providing a flexible option without security requirements. Members should evaluate their borrowing goals and consider fixed-rate loans for predictable payments when comparing options. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
APPLE FEDERAL CREDIT UNION
As of June 5, 2026, APPLE's personal loan rates remain stable across all products with no changes in the past 30 days. The lowest APR is 2.00% on Savings secured (certificates), ideal for members seeking low-risk, secured borrowing. Both the Educator and First responder lines of credit hold steady at 6.75% APR, offering affordable options for these professions. Unsecured borrowing through the Signature loan at 9.99% APR and the Signature line of credit at 10.99% APR remains consistent, providing predictable costs for general personal financing needs. Members should compare fixed-rate and secured options to align with their financial goals. For more details, visit https://www.applefcu.org/loans/personalloans.
ORNL FEDERAL CREDIT UNION
As of June 5, 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 members seeking unsecured borrowing options. For flexible borrowing, the Name personal line of credit is available at a slightly higher fixed rate of 10.99% APR. Secured options, including the Name share certificate secured and Name share secured loans, offer the lowest rate at 2.00% APR, ideal for members prioritizing lower interest costs through collateral. Members should evaluate their borrowing needs carefully and consider secured loans to minimize interest expenses or fixed-rate loans for predictable payments.
CRANE CREDIT UNION
As of June 5, 2026, CRANE’s personal loan rates remain stable with no changes across all products in the past 30 days. The Custom Fit Loans carry an APR of 10.25%, ideal for members seeking flexible unsecured borrowing. The Line of Credit maintains a steady APR of 12.0%, suitable for ongoing credit needs with variable usage. The most competitive rate is on the Loan Secured by Savings at 2.0% APR, offering a low-cost option for members who can provide collateral. Members should evaluate their borrowing goals and consider fixed-rate loans for predictable payments or secured options to minimize interest costs. For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
AFFINITY FEDERAL CREDIT UNION
As of June 5, 2026, AFFINITY's personal loan rates remain stable across all products compared to the past 30 days. The Certificate secured loan holds the lowest APR at 2.0%, unchanged for a full month, offering an attractive option for members with certificates seeking low-cost borrowing. The Shared secured loan follows closely at 2.75% APR, also steady. Among unsecured options, the Personal loan APR decreased by 0.75 percentage points (75 bps) over the last month to 11.75%, providing better affordability for general borrowing needs. The Debt consolidation loan rate improved by 0.75 points to 12.75%, benefiting members aiming to simplify high-interest debts. Fixed-rate stability in the Student loan consolidation program (4.99%) and unchanged overdraft protection (13.75%) support predictable cost management.
Consider reviewing your borrowing goals and comparing fixed-rate options if payment certainty is a priority.
Y-12 FEDERAL CREDIT UNION
As of June 5, 2026, Y-12’s 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 holds a competitive rate of 12.49%, while the Ultra loan and Access line of credit both stand at higher fixed rates of 13.99% and 14.49%, respectively. Members should evaluate fixed-rate loans like these for predictable payments or consider secured options for lower costs depending on their credit needs. For more details, visit https://www.y12fcu.org/rates/unsecured-loans/.
LendMesh
Imagine saying yes to the things you’ve been putting off—without tapping into your savings. That’s the power of a well-chosen personal loan. At LendMesh, we match you with banks and credit unions offering fair terms, fast approvals, and real transparency. Whether it’s home upgrades or a family emergency, we’re here to make borrowing smarter, not harder. Start now at https://www.lendmesh.com/loans/personal_loans and make today’s plans tomorrow’s progress.
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Conclusion
If you’re considering a personal loan for debt consolidation, emergency expenses, or a major purchase, now is an ideal time to explore your options carefully. Focus on secured loans when possible, they typically offer the lowest APRs and can save you significant interest over time. For those with solid credit profiles seeking unsecured options, products like Lafayette’s signature loan at 8.99% remain highly competitive and accessible. Keep in mind that small changes in rates can translate into substantial savings on larger loans or longer terms, Affinity’s recent drop in their debt consolidation rate is a perfect example. As always, review your budget and loan terms thoroughly before committing, and check back next week for updated rates that may further improve your borrowing power. With smart planning and timely action, you can confidently navigate your financial goals with the best credit union rates working in your favor.