Introduction
As of June 26, 2026, credit union personal loan rates are holding steady with some standout opportunities for members seeking affordable borrowing options. If you’re looking for the lowest APR on unsecured loans, Freedom Credit Union offers a remarkably competitive 3.99% personal loan rate, unchanged over the past month. Heritage’s line of credit also shines with an ultra-low 3.0% APR, providing flexible access to funds at minimal cost. Signature loans remain stable across the board, with Heritage maintaining a consistent 12.6% APR and Firefighters First offering a moderately priced option at 8.74%. For those considering debt consolidation, San Francisco Credit Union’s 7.99% debt consolidation loan delivers a solid choice without recent fluctuations. Whether you need to manage emergency expenses or plan for a major life event, today’s rates highlight several excellent paths to affordable financing, making this a smart time to explore your credit union’s offerings.
Personal Loans
| Lender | Product | 2026-06-26 Current | 2026-06-11 15 Days Ago | 2025-12-28 180 Days Ago | 2026-05-27 30 Days Ago | 2026-05-12 45 Days Ago | 2026-04-27 60 Days Ago | 2026-06-19 7 Days Ago | 2026-03-28 90 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| HERITAGE FEDERAL CREDIT UNIONLOWEST | Line of credit | 3%▼ 1200 bps | 15% | 15% | 3% | 3% | 3% | 3% | 3% |
| FREEDOM CREDIT UNION | Personal loan | 3.99% | 3.99% | 9.99% | 3.99% | 3.99% | 3.99% | 3.99% | 3.99% |
| FIRST COMMERCE CREDIT UNION | Loan rates | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% |
| SAN FRANCISCO FEDERAL CREDIT UNION | Personal loans | 4.99% | N/A | N/A | N/A | N/A | N/A | 4.99% | N/A |
| FIREFIGHTERS FIRST FEDERAL CREDIT UNION | Fire station loan | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% |
| SPOKANE TEACHERS CREDIT UNION | Credit fit loan | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% |
| TWINSTAR CREDIT UNION | Unsecured personal loan | 5.25% | N/A | N/A | N/A | N/A | N/A | 5.25% | N/A |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Bridge to retirement loan | 5.49% | N/A | N/A | N/A | N/A | N/A | 5.49% | N/A |
| AMERICU CREDIT UNION | Holiday loan | 5.75% | N/A | N/A | N/A | N/A | N/A | 5.75% | N/A |
| GREYLOCK FEDERAL CREDIT UNION | Fuel loan | 6% | N/A | 6% | N/A | N/A | N/A | 6% | N/A |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Personal home improvement loan | 7.74% | N/A | N/A | N/A | N/A | N/A | 7.74% | N/A |
| GREYLOCK FEDERAL CREDIT UNION | Unsecured personal loan up to $25,000 | 7.75% | 7.75% | 7.75% | N/A | 7.75% | N/A | 7.75% | 7.75% |
| SAN FRANCISCO FEDERAL CREDIT UNION | Debt consolidation loans | 7.99% | N/A | N/A | N/A | N/A | N/A | 7.99% | N/A |
| FIREFIGHTERS FIRST FEDERAL CREDIT UNION | Signature loan | 8.74% | 8.74% | 8.74% | 8.74% | 8.74% | 8.74% | 8.74% | 8.74% |
| AMERICU CREDIT UNION | Signature, personal & unsecured loans | 9.24% | N/A | N/A | N/A | N/A | N/A | 9.24% | 9.24% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Personal loan | 9.49% | N/A | 9.49% | N/A | 9.49% | 9.49% | 9.49% | 9.49% |
| AMERICU CREDIT UNION | Home renovation loan | 9.49% | N/A | N/A | N/A | N/A | N/A | 9.49% | N/A |
| GREYLOCK FEDERAL CREDIT UNION | Personal loan (up to $2500) | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% | 9.99% |
| AMERICU CREDIT UNION | Personal line of credit | 10.75% | N/A | N/A | N/A | N/A | N/A | 10.75% | N/A |
| FIREFIGHTERS FIRST FEDERAL CREDIT UNION | Safety line | 10.99% | 10.99% | 11.24% | 10.99% | 10.99% | 10.99% | 10.99% | N/A |
| GREYLOCK FEDERAL CREDIT UNION | Personal loan ($2501 to $5000) | 10.99% | 10.99% | 10.99% | 10.99% | 10.99% | 10.99% | 10.99% | 10.99% |
| SPOKANE TEACHERS CREDIT UNION | Personal unsecured loan | 11.24% | 11.24% | 11.24% | 11.24% | 11.24% | 11.24% | 11.24% | 11.24% |
| SPOKANE TEACHERS CREDIT UNION | Personal line of credit | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% | 11.74% |
| HERITAGE FEDERAL CREDIT UNION | Signature loan | 12.6% | 12.6% | 12.6% | 12.6% | 12.6% | 12.6% | 12.6% | 12.6% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Premierline | 13.25% | N/A | N/A | N/A | N/A | N/A | 13.25% | N/A |
| GREYLOCK FEDERAL CREDIT UNION | Checkmate overdraft protection (up to $1000) | 14% | 14% | 14% | 14% | 14% | 14% | 14% | 14% |
| SPOKANE TEACHERS CREDIT UNION | Budget fit loan | 18% | 18% | 18% | 18% | 18% | 18% | 18% | 18% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Easyline | 18% | N/A | N/A | N/A | N/A | N/A | 18% | N/A |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
HERITAGE FEDERAL CREDIT UNION
As of June 26, 2026, HERITAGE's Line of Credit maintains the lowest APR at 3.0%, stable over the past week and month but significantly lower than 15 days ago when it briefly spiked to 15.0%. This product offers flexible borrowing for members needing variable access to funds at a very competitive rate. The Signature Loan remains steady at 12.6% APR, consistent across all recent periods, suitable for fixed-term borrowing with predictable payments. Members should compare these options based on their need for flexibility or fixed rates and consider the line of credit for short-term or ongoing access while opting for signature loans when payment certainty is preferred. For more details, visit https://www.heritagefederal.org/personal-banking/loans-and-credit-cards/loan-rates/personal-loan-rates.
FREEDOM CREDIT UNION
As of June 26, 2026, FREEDOM’s Personal Loan maintains a steady APR of 3.99%, showing no change over the past 7, 15, or 30 days. This consistent rate represents the lowest available APR among FREEDOM’s personal loan products and offers an attractive fixed-rate option for members seeking predictable monthly payments. Members looking for straightforward borrowing with stable costs may find this product especially suitable. Consider evaluating your borrowing needs and comparing fixed-rate options if payment certainty is a priority. For more details, visit https://freedomcu.org/loans-credit/personal-loans/.
FIRST COMMERCE CREDIT UNION
As of June 26, 2026, FIRST COMMERCE maintains a stable personal loan APR of 4.99% across all products, with no changes over the past 7, 15, or 30 days. This consistent rate offers members predictable borrowing costs. The 4.99% APR remains the lowest available rate, benefiting those seeking affordable unsecured loans or debt consolidation solutions. Members aiming for steady repayment schedules may find these fixed rates particularly advantageous. To align borrowing choices with financial goals, consider comparing product terms and evaluating fixed-rate options for payment certainty. For more details, visit https://www.firstcommercecu.org/rates/#rate-chart:~:text=Signature%20Loan%20Rates-,Term,-Annual%20Percentage%20Rate.
SAN FRANCISCO FEDERAL CREDIT UNION
As of June 26, 2026, SAN FRANCISCO Credit Union’s personal loan rates remain stable with no changes over the past month. The Personal loans offer the lowest available APR at 4.99%, ideal for members seeking affordable unsecured borrowing with predictable payments. Meanwhile, Debt consolidation loans maintain an APR of 7.99%, providing a fixed-rate option for members aiming to streamline higher-interest debts. With rates steady, members should evaluate their borrowing needs carefully and consider fixed-rate products for payment certainty. For more details, visit https://www.sanfranciscofcu.com/rates/.
FIREFIGHTERS FIRST FEDERAL CREDIT UNION
As of June 26, 2026, FIREFIGHTERS FIRST personal loan rates remain stable with no changes over the past 30 days. The Fire station loan offers the lowest APR at 4.99%, making it the most cost-effective option for members seeking secured borrowing. The Signature loan holds a fixed rate of 8.74%, suitable for members needing a straightforward unsecured loan. The Safety line maintains an APR of 10.99%, reflecting consistent pricing for flexible credit access. Members should review their borrowing goals and consider fixed-rate loans like these for predictable payments and budgeting clarity. For more details, visit http://www.firefightersfirstcu.org/Resources/Support/Rates#Collapse_2343.
SPOKANE TEACHERS CREDIT UNION
As of June 26, 2026, Spokane Teachers Credit Union’s personal loan rates remain stable with no changes over the past 30 days. The Credit fit loan offers the lowest APR at 5.25%, ideal for members seeking affordable fixed-rate borrowing. The Personal unsecured loan and Personal line of credit hold steady at 11.24% and 11.74% respectively, providing flexible options for unsecured borrowing. The Budget fit loan maintains a higher fixed rate of 18.0%, suited for members needing straightforward budget planning. Members should compare these consistent rates carefully and consider fixed-rate loans for predictable payments.
For more details, visit https://webapps.stcu.org/rates/PersonalLoans.aspx.
TWINSTAR CREDIT UNION
As of June 26, 2026, the Unsecured personal loan at TWINSTAR maintains a steady APR of 5.25%, unchanged over the past week and month. This consistent rate represents the lowest available unsecured borrowing cost, making it suitable for members seeking straightforward personal financing without collateral. Members aiming for flexible borrowing or debt consolidation may find this product advantageous due to its stable pricing and transparent terms. For financial planning, consider comparing this fixed-rate option against your credit needs to ensure payment predictability. For more details, visit https://www.twinstarcu.com/loans/personal-loans.
UNITED STATES SENATE FEDERAL CREDIT UNION
As of June 26, 2026, UNITED STATES SENATE credit union’s personal loan rates remain steady with no changes over the past 30 days. The most competitive APR is offered by the Bridge to retirement loan at 5.49%, ideal for members nearing retirement seeking affordable borrowing. For home projects, the Personal home improvement loan at 7.74% provides a low fixed rate option. Unsecured personal loans are available at 9.49% APR, while the Premierline line of credit stands at 13.25% and the Easyline unsecured loan at 18.0% serve members needing flexible or higher-risk credit solutions. Members should compare product features and consider fixed rates for predictable payments.
AMERICU CREDIT UNION
As of June 26, 2026, AMERICU personal loan rates remain stable with no changes in the past month. The Holiday loan holds the lowest APR at 5.75%, ideal for members seeking short-term, affordable borrowing. The Signature, personal & unsecured loans offer a competitive rate at 9.24%, suitable for general borrowing needs without collateral. The Home renovation loan and Personal line of credit are fixed at 9.49% and 10.75%, respectively, providing options for larger projects or flexible access to funds. Members should compare these products carefully and consider fixed-rate loans for predictable payments. For more details, visit https://www.americu.org/current-rates/#signature-personal-unsecured-loans.
GREYLOCK FEDERAL CREDIT UNION
As of June 26, 2026, GREYLOCK’s personal loan APRs remain stable with no changes over the past 30 days. The lowest rate is on the Unsecured Personal Loan up to $25,000 at 7.75% APR, ideal for members seeking larger amounts with fixed costs. Smaller loans feature slightly higher rates: Personal Loan up to $2,500 at 9.99% APR and $2,501 to $5,000 at 10.99% APR. The Fuel Loan holds a steady 6.0% APR, offering a low-cost option for specific needs, while Checkmate Overdraft Protection stays at 14.0% APR. Members should compare options based on loan size and purpose to match their financial goals effectively.
For more details, visit https://www.greylock.org/borrow/loans/personal-loans.html#rates.
LendMesh
Everyone has a story—maybe yours includes a few financial bumps along the way. That’s okay. At LendMesh, we believe you deserve access to personal loans that are fair, fast, and built around your goals. With lenders who understand real life, you’ll find more than a rate—you’ll find support. Explore your options now at https://www.lendmesh.com/loans/personal_loans .
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Conclusion
When navigating personal loans, focus on securing the lowest possible APR that fits your financial goals and repayment ability. If consolidating debt, prioritize credit unions like Freedom or Heritage with sub-4% rates to reduce interest costs significantly. For unexpected emergencies or home improvements, consider specialized products like San Francisco’s debt consolidation or Americu’s home renovation loans for targeted support. Remember, while rates are stable now, it pays to review your options regularly, rates can shift quickly, impacting your borrowing cost. Before committing, assess your credit profile and loan terms carefully to maximize savings and protect your financial health. Keep an eye on next week’s updates; staying informed is the best way to seize timely opportunities and make confident borrowing decisions that support your family’s future.