Introduction
As of June 19, 2026, credit union personal loan rates remain steady with some standout opportunities for members seeking affordable financing. The lowest APR available today is a remarkably competitive 4.99% on unsecured loans from First Commerce Credit Union, holding firm over the past month, an excellent option for those looking to consolidate debt or cover unexpected expenses at a low cost. Other notable offers include TwinStar’s unsecured personal loan at 5.25%, and AmeriCU’s holiday loan at 5.75%, perfect for seasonal spending without breaking the bank. For home improvement projects, United States Senate Credit Union presents a solid choice at 7.74%, while Greylock Credit Union offers flexible unsecured personal loans up to $25,000 at 7.75%. Whether you’re aiming to refinance existing balances or plan ahead for life’s big moments, these competitive rates across various credit unions provide valuable options designed to fit diverse financial needs.
Personal Loans
Credit Union
Product
2026-06-19
(Current Day)
(Current Day)
2026-06-04
(15 Days Ago)
(15 Days Ago)
2025-12-21
(180 Days Ago)
(180 Days Ago)
2026-05-20
(30 Days Ago)
(30 Days Ago)
2026-05-05
(45 Days Ago)
(45 Days Ago)
2026-04-20
(60 Days Ago)
(60 Days Ago)
2026-06-12
(7 Days Ago)
(7 Days Ago)
2026-03-21
(90 Days Ago)
(90 Days Ago)
Homeowner debt consolidation
6.99
6.99
5.99▼ 100 bps
6.99
6.99
6.99
6.99
6.74▼ 25 bps
Homeowner personal loan
6.49
6.49
5.24▼ 125 bps
6.49
6.49
6.49
6.49
6.24▼ 25 bps
Personal line of credit
15.24
15.24
14.99▼ 25 bps
15.24
15.24
15.24
15.24
14.99▼ 25 bps
Personal unsecured
7.24
7.24
6.99▼ 25 bps
7.24
7.24
7.24
7.24
6.99▼ 25 bps
Unsecured-installment signature loans
10.49
10.49
10.49
10.49
10.49
10.49
10.49
10.49
Personal loan rates
6.34
5.99▼ 35 bps
6.24▼ 10 bps
6.24▼ 10 bps
FIRST COMMERCE CREDIT UNION
As of June 19, 2026, FIRST COMMERCE maintains a stable personal loan APR of 4.99%, with no changes over the past 7, 15, or 30 days. This consistent rate offers members a reliable borrowing cost for unsecured loans, making it an attractive option for those seeking predictable payments. Members looking to consolidate debt or finance personal expenses benefit from this fixed rate, which supports budgeting without surprises. To make informed decisions, compare available products based on your financial goals and consider fixed-rate options if you prefer payment certainty. For more details, visit https://www.firstcommercecu.org/rates/#rate-chart:~:text=Signature%20Loan%20Rates-,Term,-Annual%20Percentage%20Rate.
TWINSTAR CREDIT UNION
As of June 19, 2026, TWINSTAR offers an Unsecured personal loan with a competitive APR of 5.25%, which is currently the lowest available rate among listed options. Since no prior APR data is available, no recent changes can be reported. This product suits members seeking straightforward, flexible borrowing without collateral. For those prioritizing predictable payments and accessible terms, this unsecured option may be appropriate. Members should assess their borrowing needs carefully and consider fixed-rate loans for payment stability. For more details, visit https://www.twinstarcu.com/loans/personal-loans.
UNITED STATES SENATE FEDERAL CREDIT UNION
As of June 19, 2026, UNITED STATES SENATE credit union offers several personal loan options with stable rates. The Personal loan maintains a consistent APR of 9.49%, unchanged over the past 30 days, providing a reliable choice for general borrowing needs. The most affordable option is the Bridge to retirement loan at 5.49% APR, ideal for members nearing retirement seeking lower-cost financing. The Personal home improvement loan carries a competitive 7.74% APR, suited for funding renovation projects. Higher-rate products include the Premierline at 13.25% APR and the unsecured Easyline at 18.0% APR, which may fit specific borrowing scenarios requiring flexible terms.
Members should compare these offerings based on their financial goals and consider fixed-rate loans if they prefer predictable payments.
AMERICU CREDIT UNION
As of June 19, 2026, AMERICU offers several personal loan options with stable rates. The Signature, Personal & Unsecured Loans maintain a consistent APR of 9.24%, unchanged from 15 days ago, representing the lowest unsecured borrowing cost available. New offerings include the Holiday Loan at 5.75% APR, presenting the most affordable rate overall for short-term needs. The Home Renovation Loan and Personal Line of Credit stand at 9.49% and 10.75% APR, respectively, offering flexible borrowing for specific purposes. Members should compare these fixed-rate products based on their financial goals and consider fixed terms for payment predictability. For more details, visit https://www.americu.org/current-rates/#signature-personal-unsecured-loans.
GREYLOCK FEDERAL CREDIT UNION
As of June 19, 2026, GREYLOCK personal loan rates remain stable with no changes in APR across all products over the past 30 days. The lowest available rate is a 7.75% APR on the Unsecured personal loan up to $25,000, suitable for members seeking larger unsecured financing. Smaller loans up to $2,500 carry a 9.99% APR, while loans between $2,501 and $5,000 maintain a 10.99% APR. The new Fuel loan offers a competitive 6.0% APR, providing an affordable option for specific borrowing needs. Members should evaluate fixed-rate options like these to align borrowing costs with their financial goals. For more details, visit https://www.greylock.org/borrow/loans/personal-loans.html#rates.
PENTAGON FEDERAL CREDIT UNION
As of June 19, 2026, PENTAGON's Personal loans carry an APR of 6.09%, with no prior data available for comparison. This rate represents the current baseline for unsecured borrowing through this product. Members seeking straightforward personal loan options with a competitive fixed APR may find this product suitable. Given the absence of recent rate changes, borrowers should assess their needs against this stable rate. For members prioritizing predictable payments and transparent terms, reviewing this option alongside other credit sources can support informed decisions. Consider your borrowing goals carefully when evaluating fixed-rate personal loans. For more details, visit https://www.penfed.org/personal-loans.
AFFINITY PLUS FEDERAL CREDIT UNION
As of June 19, 2026, AFFINITY PLUS 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 6.0%, ideal for members aiming to establish or improve credit. Members seeking debt relief can consider the Homeowner debt consolidation at 6.99%, while those needing unsecured options have a consistent rate of 7.24% on the Personal unsecured loan. The Personal line of credit maintains a higher APR at 15.24%, suited for flexible borrowing needs. Compare these fixed rates carefully to align with your financial goals.
For more details, visit https://www.affinityplus.org/rates/personal-loan.
TRUMARK FINANCIAL CREDIT UNION
As of June 19, 2026, TRUMARK FINANCIAL’s personal loan rates remain stable with no changes over the past 30 days. The First credit loan offers the lowest APR at 6.25%, ideal for members seeking their initial borrowing option with competitive fixed terms. For unsecured borrowing, Unsecured-installment signature loans maintain an APR of 10.49%, providing consistent rates for general needs. The Better choice loan holds steady at 18.0% APR, suitable for those requiring flexible but higher-rate financing. Members should compare these products carefully and consider fixed-rate options to ensure predictable monthly payments.
ABERDEEN PROVING GROUND FEDERAL CREDIT UNION
As of June 19, 2026, the Personal loan rate at ABERDEEN PROVING GROUND credit union is 6.34% APR, with no prior data available for comparison. This rate represents the current benchmark for unsecured borrowing options tailored to members seeking affordable financing for various needs. Members looking for a straightforward personal loan with fixed terms may find this rate competitive given the absence of recent fluctuations. To ensure the best fit for your financial situation, consider comparing this rate with other available options and assess whether a fixed-rate loan aligns with your payment certainty goals. For more details, visit https://www.apgfcu.com/rates/personal-loan-rates.html.
JUSTICE FEDERAL CREDIT UNION
As of June 19, 2026, JUSTICE credit union’s personal loan rates remain stable with no changes for the Personal loan at 7.99% APR over the past 15 and 30 days. The Special summer loan holds the lowest rate at 6.5% APR, unchanged in the last week, making it an attractive option for short-term borrowing. New offerings like the Education assistance line of credit at 8.9% APR and the Justice line of credit at 13.0% APR provide flexible credit access with no prior rate history for comparison. Members should assess their borrowing needs and consider fixed-rate options for predictable payments.
For more details, visit https://www.jfcu.org/Rates#Personal.
LendMesh
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Conclusion
When considering a personal loan, focus on securing the lowest possible APR to minimize your overall repayment cost, First Commerce’s 4.99% unsecured loan is an exceptional starting point. If you’re consolidating multiple debts, look for specialized products like Affinity Plus’ homeowner debt consolidation loan at 6.99% that may offer tailored benefits. Remember to evaluate the loan terms carefully and factor in your monthly budget to avoid stretching finances too thin. Emergencies or large purchases call for quick decisions, so keep an eye on stable rates like those from TwinStar and AmeriCU that combine accessibility with affordability. Finally, don’t hesitate to revisit these rates regularly; credit union offerings can shift subtly but meaningfully over weeks, checking back next week could uncover even better deals suited for your financial goals.