Introduction
As of July 10, 2026, credit union members have several attractive personal loan options to consider, with rates holding steady across the board. The standout opportunity today is Freedom Credit Union’s personal loan at a remarkably low 3.99% APR, maintaining its position as the most affordable option for borrowers seeking straightforward unsecured financing. For those interested in signature or holiday loans, First Commerce and Americu offer competitive rates around the mid-4% to mid-5% range, ideal for managing big life expenses or seasonal needs. Notably, Spokane Teachers Credit Union continues to provide diverse loan products, including a credit fit loan at 5.25%, balancing accessibility with flexibility. While some specialty loans like budget fit and quick cash carry higher APRs, there are no significant rate changes over the past month, offering stability for planning your borrowing strategy. Whether you’re consolidating debt or preparing for an emergency fund boost, today’s data highlights solid opportunities with trusted credit unions that prioritize member-friendly terms.
Personal Loans
| Lender | Product | 2026-07-10 Current | 2026-06-25 15 Days Ago | 2026-01-11 180 Days Ago | 2026-06-10 30 Days Ago | 2026-05-26 45 Days Ago | 2026-05-11 60 Days Ago | 2026-07-03 7 Days Ago | 2026-04-11 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 |
| 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 |
| AFFINITY PLUS FEDERAL CREDIT UNION | Credit builder loan | 6% | 6% | 6% | 6% | 6% | N/A | 6% | 6% |
| PENTAGON FEDERAL CREDIT UNION | Personal loans | 6.09% | 6.09% | N/A | N/A | N/A | N/A | 6.09% | N/A |
| AFFINITY PLUS FEDERAL CREDIT UNION | Holiday loan | 6.24% | 6.24% | 5.99% | 6.24% | 6.24% | N/A | 6.24% | 6.24% |
| TRUMARK FINANCIAL CREDIT UNION | First credit loan | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% |
| AFFINITY PLUS FEDERAL CREDIT UNION | Homeowner personal loan | 6.49% | 6.49% | 5.24% | 6.49% | 6.49% | 6.49% | 6.49% | 6.49% |
| AFFINITY PLUS FEDERAL CREDIT UNION | Homeowner debt consolidation | 6.99% | 6.99% | 5.99% | 6.99% | 6.99% | N/A | 6.99% | 6.99% |
| AFFINITY PLUS FEDERAL CREDIT UNION | Personal unsecured | 7.24% | 7.24% | 6.99% | 7.24% | 7.24% | 7.24% | 7.24% | 7.24% |
| GREYLOCK FEDERAL CREDIT UNION | Unsecured personal loan up to $25,000 | 7.75% | 7.75% | N/A | 7.75% | N/A | 7.75% | 7.75% | 7.75% |
| 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% | N/A | N/A | N/A | N/A | 9.24% | N/A |
| 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% |
| TRUMARK FINANCIAL CREDIT UNION | Unsecured-installment signature loans | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% | 10.49% |
| 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% |
| GREYLOCK FEDERAL CREDIT UNION | Checkmate overdraft protection (up to $1000) | 14% | 14% | 14% | 14% | 14% | 14% | 14% | 14% |
| AFFINITY PLUS FEDERAL CREDIT UNION | Personal line of credit | 15.24% | 15.24% | 14.99% | 15.24% | 15.24% | N/A | 15.24% | 15.24% |
| AMERICU CREDIT UNION | Quick cash loan | 17.99% | N/A | N/A | N/A | N/A | N/A | 17.99% | N/A |
| SPOKANE TEACHERS CREDIT UNION | Budget fit loan | 18% | 18% | 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.
FREEDOM CREDIT UNION
As of July 10, 2026, FREEDOM's Personal loan maintains a stable annual percentage rate (APR) of 3.99%, with no changes over the past 30 days. This consistent rate offers members predictable borrowing costs, making it a competitive option for those seeking unsecured financing. Members aiming for straightforward personal loans with fixed rates may find this product particularly suitable. Given the steady APR, it is advisable to compare this fixed-rate loan against other borrowing options to ensure it aligns with your financial goals and repayment preferences. For more details, visit https://freedomcu.org/loans-credit/personal-loans/.
FIRST COMMERCE CREDIT UNION
As of July 10, 2026, FIRST COMMERCE maintains a stable APR of 4.99% across all personal loan products, with no changes in rates over the past 30 days. This consistent rate offers members a reliable borrowing cost, particularly attractive for those seeking fixed-rate loans such as signature loans or debt consolidation options. Members aiming to manage finances with predictable payments may find these terms beneficial. To ensure the best fit, review your borrowing needs carefully and consider fixed-rate products for payment certainty and budgeting ease. 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 July 10, 2026, SAN FRANCISCO credit union maintains stable APRs with no changes in the past 30 days. Debt consolidation loans remain steady at 7.99% APR, providing a consistent option for members aiming to simplify high-interest debt. The Personal loans product offers the lowest rate at 4.99% APR, ideal for members seeking affordable, unsecured borrowing. Stability in rates supports predictable budgeting; members should compare these fixed-rate options carefully to align borrowing with their financial goals. For more details, visit https://www.sanfranciscofcu.com/rates/.
SPOKANE TEACHERS CREDIT UNION
As of July 10, 2026, SPOKANE TEACHERS credit union maintains stable personal loan rates with no changes over the past 30 days. The Credit fit loan offers the lowest APR at 5.25%, ideal for members seeking affordable borrowing with fixed terms. For those needing flexible access to funds, the Personal line of credit remains steady at 11.74% APR. Members looking for unsecured options can consider the Personal unsecured loan at 11.24% APR, while the Budget fit loan holds firm at 18.0% APR for higher-risk borrowing needs. Review your financial goals and compare these fixed and variable rate options to match your borrowing strategy.
For more details, visit https://webapps.stcu.org/rates/PersonalLoans.aspx.
TWINSTAR CREDIT UNION
As of July 10, 2026, the Unsecured personal loan at TWINSTAR remains steady with an APR of 5.25%, showing no change over the past 7 and 15 days. This rate represents the lowest available unsecured borrowing option for members seeking flexible, affordable financing without collateral. Members considering personal loans for general purposes or debt consolidation can benefit from this consistent rate. To ensure your borrowing aligns with your financial goals, compare loan options carefully and consider fixed-rate products if you prefer predictable payments. For more details, visit https://www.twinstarcu.com/loans/personal-loans.
AMERICU CREDIT UNION
As of July 10, 2026, AMERICU personal loan rates remain stable across all products with no changes over the past 7 to 30 days. The Holiday Loan offers the lowest APR at 5.75%, ideal for members seeking affordable short-term borrowing. For larger projects, the Home Renovation Loan holds steady at 9.49%, while unsecured borrowing options like the Signature, Personal & Unsecured Loans provide competitive rates at 9.24%. The Personal Line of Credit is available at 10.75%, suitable for flexible access to funds. Members should compare fixed-rate loans and lines of credit based on their repayment preferences and financial goals. For more details, visit https://www.americu.org/current-rates/#signature-personal-unsecured-loans.
GREYLOCK FEDERAL CREDIT UNION
As of July 10, 2026, GREYLOCK’s personal loan rates remain stable across all products with no changes in APR over the past 30 days. The lowest available APR is 6.00% on the Fuel Loan, ideal for members seeking affordable short-term financing for vehicle expenses. For unsecured borrowing up to $25,000, the rate holds steady at 7.75%, offering competitive terms for larger needs without collateral. Smaller personal loans maintain consistent rates: 9.99% for amounts up to $2,500 and 10.99% for $2,501 to $5,000. The overdraft protection program remains at 14.00% APR.
Members should review these fixed rates carefully and consider their borrowing goals when selecting a product. For more details, visit https://www.greylock.org/borrow/loans/personal-loans.html#rates.
PENTAGON FEDERAL CREDIT UNION
As of July 10, 2026, PENTAGON’s Personal Loans maintain a steady APR of 6.09%, showing no change over the past 7, 15, or 30 days. This consistent rate reflects stable borrowing costs for members seeking unsecured personal loans. With the current lowest available APR at 6.09%, these loans offer transparent and predictable terms ideal for members planning fixed-rate borrowing needs or debt consolidation. Members should evaluate their financial goals and consider fixed-rate options to maintain payment certainty over time. For more details, visit https://www.penfed.org/personal-loans.
AFFINITY PLUS FEDERAL CREDIT UNION
As of July 10, 2026, all AFFINITY PLUS personal loan rates remain unchanged over the past 30 days. The Credit builder loan holds the lowest APR at 6.00%, ideal for members establishing or improving credit. For secured borrowing, the Homeowner personal loan and Homeowner debt consolidation offer competitive rates of 6.49% and 6.99%, respectively, suitable for managing mortgage-related debt. The Personal unsecured loan stands at 7.24%, while the Personal line of credit remains highest at 15.24%, reflecting its flexible access but higher cost. Members should compare these fixed-rate options to align borrowing with their financial goals.
For more details, visit https://www.affinityplus.org/rates/personal-loan.
TRUMARK FINANCIAL CREDIT UNION
As of July 10, 2026, TRUMARK FINANCIAL maintains stable personal loan rates with no changes over the past 30 days. The First credit loan offers the lowest APR at a steady 6.25%, ideal for first-time borrowers seeking affordable fixed-rate financing. Meanwhile, Unsecured-installment signature loans remain at 10.49% APR, providing a flexible option for members needing unsecured borrowing with consistent terms. Members should compare these fixed-rate options based on their borrowing goals and consider the lower APR on the First credit loan if payment certainty is a priority. For more details, visit https://www.trumarkonline.org/rates/#:~:text=Signature%20Loan%20Rates-,Account%20%C2%A0,-Term%20%C2%A0.
LendMesh
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Conclusion
When considering a personal loan this week, focus on locking in the lowest possible APR to minimize interest costs, Freedom Credit Union’s consistent 3.99% rate is a prime example of this advantage. If your goal is debt consolidation or funding home improvements, explore options like Affinity Plus’s homeowner loans or Greylock’s unsecured loans under $25,000 for tailored solutions that fit your financial picture. Remember to evaluate not just the rate but also loan terms and any fees involved. With rates stable over recent weeks, now is a great time to act if you need funds quickly and want predictable payments. Keep an eye on your credit union’s offerings next week too, rates can shift with market conditions. Above all, approach borrowing thoughtfully: use these competitive personal loan rates as tools to enhance your financial health and peace of mind rather than quick fixes. Stay informed and empowered by reviewing your options regularly!