Introduction
As of July 3, 2026, credit union members have some standout personal loan opportunities to explore. The lowest APR available is an impressive 3.99% on Freedom Credit Union’s Personal Loan, holding steady over the past month, perfect for those seeking affordable financing for anything from debt consolidation to unexpected expenses. For borrowers looking beyond the ultra-low rates, competitive options like First Commerce’s 4.99% loan rates and San Francisco Credit Union’s personal loans at the same rate offer solid alternatives with consistent terms. Notably, Spokane Teachers Credit Union maintains a diverse range of products with credit fit loans at 5.25%, while AmeriCU’s holiday loan remains steady at 5.75%. Whether you’re eyeing quick cash or home improvements, today’s data highlights several stable, low-rate choices that can help members confidently plan their finances without surprises.
Personal Loans
| Lender | Product | 2026-07-03 Current | 2026-06-18 15 Days Ago | 2026-01-04 180 Days Ago | 2026-06-03 30 Days Ago | 2026-05-19 45 Days Ago | 2026-05-04 60 Days Ago | 2026-06-26 7 Days Ago | 2026-04-04 90 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| FREEDOM CREDIT UNIONLOWEST | 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% | 4.99% | N/A | N/A | N/A | N/A | 4.99% | N/A |
| 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% | 5.25% | N/A | N/A | N/A | N/A | 5.25% | N/A |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Bridge to retirement loan | 5.49% | 5.49% | N/A | N/A | N/A | N/A | 5.49% | N/A |
| AMERICU CREDIT UNION | Holiday loan | 5.75% | 5.75% | N/A | N/A | N/A | N/A | 5.75% | N/A |
| GREYLOCK FEDERAL CREDIT UNION | Fuel loan | 6% | 6% | 6% | N/A | N/A | N/A | 6% | N/A |
| PENTAGON FEDERAL CREDIT UNION | Personal loans | 6.09% | 6.09% | N/A | N/A | N/A | N/A | 6.09% | N/A |
| ONEAZ CREDIT UNION | Personal loan | 6.124%▼ 438 bps | 10.5% | 10.5% | 10.5% | 10.5% | 10.5% | 10.5% | 10.5% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Personal home improvement loan | 7.74% | 7.74% | 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% | 7.75% | 7.75% | N/A | 7.75% | N/A |
| SAN FRANCISCO FEDERAL CREDIT UNION | Debt consolidation loans | 7.99% | 7.99% | N/A | N/A | N/A | N/A | 7.99% | N/A |
| AMERICU CREDIT UNION | Signature, personal & unsecured loans | 9.24% | 9.24% | 9.24% | 9.24% | N/A | N/A | 9.24% | N/A |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Personal loan | 9.49% | 9.49% | 9.49% | N/A | 9.49% | 9.49% | 9.49% | 9.49% |
| AMERICU CREDIT UNION | Home renovation loan | 9.49% | 9.49% | 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% | 10.75% | N/A | N/A | N/A | N/A | 10.75% | 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% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Premierline | 13.25% | 13.25% | 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% |
| AMERICU CREDIT UNION | Quick cash loan | 17.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SPOKANE TEACHERS CREDIT UNION | Budget fit loan | 18% | 18% | 18% | 18% | 18% | 18% | 18% | 18% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Easyline | 18% | 18% | 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.
FREEDOM CREDIT UNION
As of July 3, 2026, the FREEDOM Personal Loan maintains a stable APR of 3.99%, unchanged over the past 30 days. This consistent rate offers members an attractive fixed borrowing cost, especially for those seeking predictable payments without rate fluctuations. With no recent changes, this loan remains competitive for general personal financing needs. Members considering flexible borrowing should review this option alongside their financial goals. For clarity and budgeting ease, consider fixed-rate loans like this one. For more details, visit https://freedomcu.org/loans-credit/personal-loans/.
FIRST COMMERCE CREDIT UNION
As of July 3, 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 clarity for members seeking predictable borrowing costs. The 4.99% APR remains the lowest available rate, benefiting those looking for affordable unsecured loans such as signature or debt consolidation options. Members considering personal credit lines or credit builder loans will also find steady terms supporting financial planning. For precise borrowing needs, compare product features and consider fixed-rate options to ensure payment stability.
SAN FRANCISCO FEDERAL CREDIT UNION
As of July 3, 2026, SAN FRANCISCO Credit Union's personal loan rates remain stable with no changes over the past 7, 15, or 30 days. The lowest available APR is 4.99% on Personal loans, ideal for members seeking affordable unsecured borrowing with fixed rates. Debt consolidation loans hold steady at 7.99% APR, suitable for members aiming to simplify multiple debts without rate increases. Members should evaluate their borrowing needs carefully and consider these fixed-rate options for predictable payments and budgeting clarity. For more details, visit https://www.sanfranciscofcu.com/rates/.
SPOKANE TEACHERS CREDIT UNION
As of July 3, 2026, Spokane Teachers Credit Union’s personal loan APRs remain stable across all products. The Credit fit loan offers the lowest rate at 5.25% APR, unchanged over the past month, making it a strong choice for members seeking affordable fixed-rate borrowing. Both the Personal unsecured loan and Personal line of credit hold steady at 11.24% and 11.74% APR, respectively, suitable for flexible borrowing needs without collateral. The Budget fit loan maintains a higher but consistent rate of 18.0% APR, reflecting its different risk profile. Members should compare these options carefully and consider fixed-rate loans for payment certainty.
For more details, visit https://webapps.stcu.org/rates/PersonalLoans.aspx.
TWINSTAR CREDIT UNION
As of July 3, 2026, the Unsecured personal loan at TWINSTAR holds steady at 5.25% APR, showing no change over the past 7 and 15 days. This rate remains the lowest available option for members seeking flexible, unsecured borrowing without collateral. Members aiming for straightforward financing with predictable costs may find this product suitable. Consider comparing this fixed-rate option against your borrowing needs to ensure it aligns with your financial plan. For more details, visit https://www.twinstarcu.com/loans/personal-loans.
UNITED STATES SENATE FEDERAL CREDIT UNION
As of July 3, 2026, all personal loan APRs at UNITED STATES SENATE remain steady with no changes over the past 30 days. The Bridge to retirement loan offers the lowest APR at 5.49%, ideal for members approaching retirement seeking affordable financing. For home projects, the Personal home improvement loan maintains a competitive rate of 7.74%. The standard Personal loan is fixed at 9.49%, suitable for general unsecured borrowing needs. Higher-rate options like Premierline (13.25%) and Easyline (18.0%) serve members requiring flexible or specialized credit lines.
Members should review these fixed rates carefully and select products aligned with their financial goals and repayment capacity.
AMERICU CREDIT UNION
As of July 3, 2026, AMERICU’s personal loan rates remain stable across all products with no changes over the past 30 days. The Holiday loan and Signature, personal & unsecured loans offer competitive fixed APRs at 5.75% and 9.24% respectively, with the Holiday loan representing the lowest available rate. The Home renovation loan and Personal line of credit hold steady at 9.49% and 10.75%, providing options for larger or flexible borrowing needs. The recently introduced Quick cash loan is available at a higher rate of 17.99%, suited for urgent short-term funds.
Members should review their borrowing goals carefully; consider fixed-rate loans like the Holiday or Signature loans for payment predictability, while lines of credit may suit those seeking ongoing access to funds. Compare product terms aligned to your financial situation to optimize borrowing costs.
For more details, visit https://www.americu.org/current-rates/#signature-personal-unsecured-loans.
GREYLOCK FEDERAL CREDIT UNION
As of July 3, 2026, GREYLOCK personal loan rates remain stable with no changes across all products in the past 30 days. The lowest APR is offered by the Fuel loan at 6.0%, ideal for members seeking affordable short-term financing. For larger needs, the Unsecured personal loan up to $25,000 provides a competitive rate of 7.75% APR, suitable for debt consolidation or major expenses. Smaller loans under $2,500 and between $2,501 to $5,000 maintain steady rates of 9.99% and 10.99% APR, respectively. Members should review these fixed rates carefully and consider their borrowing purpose to select the best fit.
For more details, visit https://www.greylock.org/borrow/loans/personal-loans.html#rates,
PENTAGON FEDERAL CREDIT UNION
As of July 3, 2026, PENTAGON’s Personal Loans maintain a stable APR of 6.09%, unchanged over the past 7 and 15 days. This consistent rate offers members reliable borrowing costs without fluctuations, providing clarity for budgeting purposes. With no changes over the last month, this product remains an accessible option for members seeking straightforward, fixed-rate financing. Members considering personal loans for varied needs can expect transparent terms at a competitive rate. When evaluating options, compare fixed-rate personal loans to ensure alignment with your financial goals and repayment capacity. For more details, visit https://www.penfed.org/personal-loans.
ONEAZ CREDIT UNION
As of July 3, 2026, the ONEAZ Personal Loan rate stands at a notably low 6.124% APR, down significantly from 10.5% APR over the past 7, 15, and 30 days. This represents a sharp decrease of approximately 4.376 percentage points (437.6 bps) in just one month, offering members substantial savings on borrowing costs. Such a competitive rate is especially beneficial for members seeking flexible unsecured loans with predictable payments. Members should review this option carefully and consider locking in fixed rates to maintain payment certainty amid fluctuating markets.
LendMesh
Juggling multiple credit card payments? A personal loan could be the reset button you need. At LendMesh, we make it simple to compare low-rate debt consolidation options from top banks and credit unions—all in one place. Imagine replacing high interest with one easy monthly payment and a clear path forward. Discover smarter lending with fewer hoops by visiting https://www.lendmesh.com/loans/personal_loans . Let’s simplify your financial life, together.
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Conclusion
When it comes to managing your financial goals, be it consolidating high-interest debt, preparing for emergencies, or investing in a major purchase, locking in a competitive APR now can save you significant money over time. Take advantage of the lowest rates like Freedom Credit Union’s 3.99% personal loan and compare them against your credit union’s offerings to find the best fit for your needs. Remember to review loan terms carefully and prioritize fixed rates for budgeting peace of mind. If you’re not ready to apply immediately, keep an eye on these rates weekly; small changes can open new doors. Above all, stay proactive and informed, your best financial decisions start with knowing your options and acting on them promptly. Check back next week for updates that could further enhance your borrowing power!