Introduction
As of June 12, 2026, credit union personal loan rates remain steady with some standout opportunities for borrowers looking to save on interest. If you’re seeking the lowest APRs, secured loans tied to certificates or shares continue to lead the pack with rates as low as 1.8% at Trumark Financial and an impressive 2.0% across several credit unions like Texas Dow Employees and Lafayette. For those interested in unsecured options, Lafayette’s signature loan offers a competitive 8.99% APR, while Redstone and Del Norte hold steady in the low 10% range for unsecured personal loans. Notably, share-secured loans present a solid choice for conservative borrowers aiming for minimal risk and cost, with rates consistently hovering near 2%. Meanwhile, credit builder loans maintain ultra-low rates around 1-3%, making them excellent for members working to improve their credit profiles. Whether you’re eyeing debt consolidation or planning for a big life event, today’s data highlights plenty of stable, budget-friendly options that cater to diverse financial needs.
Personal Loans
Credit Union
Product
2026-06-12
(Current Day)
(Current Day)
2026-05-28
(15 Days Ago)
(15 Days Ago)
2025-12-14
(180 Days Ago)
(180 Days Ago)
2026-05-13
(30 Days Ago)
(30 Days Ago)
2026-04-28
(45 Days Ago)
(45 Days Ago)
2026-04-13
(60 Days Ago)
(60 Days Ago)
2026-06-05
(7 Days Ago)
(7 Days Ago)
2026-03-14
(90 Days Ago)
(90 Days Ago)
Home equity line of credit - classic
7.125
7.125
7.625▲ 50 bps
7.125
7.375▲ 25 bps
7.375▲ 25 bps
7.125
7.375▲ 25 bps
Personal line of credit/overdraft
11.89
11.89
12.27▲ 38 bps
11.89
11.89
11.89
11.89
12.09▲ 20 bps
Personal unsecured signature - 60 months
11.09
10.79▼ 30 bps
10.89▼ 20 bps
10.79▼ 30 bps
10.79▼ 30 bps
10.79▼ 30 bps
11.09
10.79▼ 30 bps
Personal unsecured signature - 72 months
11.29
10.99▼ 30 bps
11.09▼ 20 bps
10.99▼ 30 bps
10.99▼ 30 bps
10.99▼ 30 bps
11.29
10.99▼ 30 bps
Unsecured-installment signature loans
10.49
10.49
10.49
10.49
10.49
10.49
10.49
10.49
Debt consolidation loan
12.75
13.5▲ 75 bps
13.5▲ 75 bps
13.5▲ 75 bps
13.5▲ 75 bps
13.5▲ 75 bps
12.75
13.5▲ 75 bps
Personal loan
11.75
12.5▲ 75 bps
12.5▲ 75 bps
12.5▲ 75 bps
12.5▲ 75 bps
12.5▲ 75 bps
11.75
12.5▲ 75 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 June 12, 2026, REDSTONE personal loan rates remain stable across all products with no changes in APR over the past 30 days. The Credit Builder Loan holds the lowest APR at a steady 1.0%, ideal for members building or rebuilding credit. For secured borrowing, the Share Secured Loan offers a consistent 3.0% APR. Among unsecured options, the Personal Unsecured Signature Loan ranges from 11.09% to 11.29% APR depending on term length, while the Personal Line of Credit/Overdraft remains at 11.89%. Members should review their borrowing needs and consider fixed-rate loans like signature loans for payment predictability.
For more details, visit https://www.redfcu.org/personal/tool-discounts/rfcu-rates/#personal.
TRUMARK FINANCIAL CREDIT UNION
As of June 12, 2026, TRUMARK FINANCIAL’s personal loan rates remain steady with no changes in the past 30 days. The Share-secured loan offers the lowest APR at 1.8%, ideal for members seeking low-cost borrowing backed by savings. For unsecured options, the First credit loan and Term-share secured loan both hold competitive rates at 6.25%, suitable for first-time borrowers or those preferring fixed terms. The Unsecured-installment signature loans stand at 10.49%, while the Better choice program remains highest at 18.0%, reflecting higher risk profiles. Members should compare products based on their credit needs and consider secured loans for lower rates and payment stability.
TEXAS DOW EMPLOYEES CREDIT UNION
As of June 12, 2026, TEXAS DOW EMPLOYEES credit union’s personal loan rates remain stable with no changes over the past 30 days. The Certificate of deposit secured loan and Share secured loan offer the lowest APR at a steady 2.00%, ideal for members seeking low-risk borrowing options. Unsecured loans such as the Personal loan and Home advantage loan maintain competitive fixed rates at 7.14% and 7.24%, respectively, suitable for general borrowing needs. The Cash $tash line of credit holds steady at 9.74%, providing flexible access to funds without rate increases. Members should compare these fixed-rate products carefully based on their borrowing goals and risk tolerance.
For more details, visit https://www.tdecu.org/rates/#!personal__loans__secured.
LAFAYETTE FEDERAL CREDIT UNION
As of June 12, 2026, all LAFAYETTE personal loan rates remain stable with no changes over the past 30 days. The lowest available APR is 2.0% on both the Certificate secured and Share secured loans, offering strong value for members seeking low-cost, secured borrowing options. The Credit builder loan holds steady at 3.0%, suitable for members aiming to establish or improve credit. Unsecured options like the Signature loan at 8.99% and the Line of credit at 9.99% maintain consistent rates, providing flexible borrowing without collateral. The newly listed Home improvement loan carries an APR of 10.74%, giving members a dedicated option for renovation financing.
Members should carefully compare fixed-rate products like secured loans for predictable payments or consider unsecured lines for flexibility based on their 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 June 12, 2026, CHARTER OAK personal loan rates remain stable across all listed products. The Readi-cash too and Unsecured personal loans maintain an APR of 10.75% and 7.75%, respectively, with no recent changes. The Secured personal loan continues to offer the lowest APR at 2.0%, consistent over the past month. Members seeking the most affordable borrowing may consider secured loans for lower rates or unsecured loans for flexibility without collateral. Reviewing fixed-rate options can help members seeking payment certainty. Compare these offerings carefully based on your financial goals and credit profile. For more details, visit https://charteroak.org/consumer-lending/personal-loan/.
ORNL FEDERAL CREDIT UNION
As of June 12, 2026, ORNL’s personal loan rates remain stable with no changes in the past 30 days. The Name personal loan holds an APR of 9.99%, offering a consistent unsecured borrowing option. The Name personal line of credit stands at 10.99% APR, providing flexible access to funds at a fixed rate. For members seeking low-cost secured borrowing, both the Name share certificate secured and Name share secured loans maintain the lowest APR at 2.0%, ideal for those leveraging savings as collateral. Members should compare these products carefully based on their borrowing goals and consider fixed-rate options for predictable payments. For more details, visit https://ornlfcu.com/personal/rates#personal-loans:~:text=below%20for%20details-,Other%20Loans,-NAME
CRANE CREDIT UNION
As of June 12, 2026, CRANE’s personal loan rates remain stable across all products. The Custom fit loans carry a consistent APR of 10.25%, unchanged over the past 30 days. The Line of credit maintains its steady rate at 12.0% APR, offering flexible borrowing with no recent fluctuations. Notably, the Loan secured by savings provides the lowest APR at 2.0%, ideal for members seeking lower-cost, secured borrowing options. Members should carefully compare these fixed rates to determine which aligns best with their financial goals and consider secured loans for reduced interest costs when available.
For more details, visit https://www.cranecu.org/rates/personal-loan-rates/.
DEL NORTE CREDIT UNION
As of June 12, 2026, DEL NORTE’s personal loan rates remain stable across all products with no changes in 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 steady at 10.49% APR, suitable for those needing fixed-rate unsecured funds. The Unsecured revolving line of credit remains at 12.99% APR, providing flexible access to funds with variable usage. Members should review these options carefully 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 June 12, 2026, AFFINITY’s Certificate secured loan maintains the lowest APR at 2.0%, steady over the past month, offering a highly affordable option for members with certificates. The Shared secured loan also remains stable at 2.75% APR, providing another low-cost secured borrowing choice. Among unsecured options, the Personal loan APR decreased by 0.75 percentage points (75 bps) over the last 30 days to 11.75%, and the Debt consolidation loan dropped from 13.5% to 12.75% APR in the same period, benefiting members seeking to lower debt costs. Rates for Privateline overdraft protection and Student loan consolidation program remained unchanged, at 13.75% and 4.99%, respectively. Members should compare fixed-rate and secured versus unsecured loans based on their credit profile and borrowing goals.
VYSTAR CREDIT UNION
As of June 12, 2026, VYSTAR's personal loan rates show stable offerings with no prior data for comparison. The Certificate Secured and Savings Secured loans hold the lowest APR at 2.0%, ideal for members seeking low-cost, collateral-backed borrowing. Unsecured options include the Personal Loans at 10.0% APR and the Adoption Line of Credit at 8.99% APR, offering flexibility for life events like adoption financing. The Personal Line of Credit stands at a higher rate of 14.49% APR, suited for members needing revolving credit access. Members should evaluate fixed versus variable options and compare secured against unsecured products based on their collateral and repayment preferences. For more details, visit https://www.vystarcu.org/personal/rates/personal-loan-and-line-of-credit-rates.
LendMesh
You don’t need to wait until ‘someday’ to take care of what matters. Whether it’s replacing a water heater, catching up on bills, or consolidating debt, a personal loan from LendMesh’s network of lenders could be just what you need. We simplify the process so you can focus on your goals, not the paperwork. Start comparing offers today at https://www.lendmesh.com/loans/personal_loans and make progress feel possible again.
Conclusion
When considering your next personal loan, it’s essential to match your borrowing goals with the right product type. If you’re consolidating high-interest debt, look closely at secured loans offering rates near 2%, which can significantly reduce your monthly payments. For emergency funds or smaller purchases, unsecured signature loans around 9-11% provide flexibility without collateral requirements. Remember to factor in loan terms, longer terms may lower monthly payments but could increase total interest paid over time. Also, take advantage of credit builder loans if you’re rebuilding credit before applying for larger financing down the road. Rates have remained stable this month, so now is a great time to lock in competitive APRs before any market shifts occur. Keep an eye on your credit union’s offerings regularly; checking rates next week could reveal new opportunities tailored just for you. Your financial well-being thrives when informed decisions meet timely action, so explore these options and plan ahead confidently!