Introduction
On July 17, 2026, credit union members have some exciting personal loan opportunities to explore. The standout rate today is a remarkably low 3.99% APR on personal loans from Freedom Credit Union, a fantastic option for anyone seeking affordable financing with predictable terms. For those looking to build or rebuild credit, Baxter’s credit builder loan offers a competitive 4.5% APR, while their medical degree refinance loan comes in at 4.8% APR, tailored for professionals managing student debt. If you’re considering flexible borrowing, Baxter’s personal line of credit remains steady at 8.49% APR, providing ongoing access to funds. Families planning home improvements can find value with Affinity Plus’s homeowner personal loans at 6.49% APR and unsecured home improvement loans from Baxter at 6.49% APR as well, solid rates for transforming your living space. Whether consolidating debt or managing unexpected expenses, San Francisco Credit Union’s personal loans hold firm at 4.99% APR, giving members a reliable solution. These stable rates across the board mean now is an excellent time to lock in financing that fits your life goals.
Personal Loans
| Lender | Product | 2026-07-17 Current | 2026-07-02 15 Days Ago | 2026-01-18 180 Days Ago | 2026-06-17 30 Days Ago | 2026-06-02 45 Days Ago | 2026-05-18 60 Days Ago | 2026-07-10 7 Days Ago | 2026-04-18 90 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| FREEDOM CREDIT UNIONLOWEST | Personal loan | 3.99% | 3.99% | 9.99% | 3.99% | 3.99% | 3.99% | 3.99% | 3.99% |
| BAXTER CREDIT UNION | Credit builder loan | 4.5% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| BAXTER CREDIT UNION | Refinance loan | 4.64% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| BAXTER CREDIT UNION | Medical degree refinance loan | 4.8% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 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 | 4.99% | 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 | 5.25% | N/A | N/A | 5.25% | N/A |
| AMERICU CREDIT UNION | Holiday loan | 5.75% | 5.75% | N/A | 5.75% | N/A | N/A | 5.75% | N/A |
| GREYLOCK FEDERAL CREDIT UNION | Fuel loan | 6% | 6% | 6% | 6% | N/A | N/A | 6% | N/A |
| AFFINITY PLUS FEDERAL CREDIT UNION | Credit builder loan | 6% | 6% | 6% | N/A | 6% | 6% | 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% | N/A | 6.24% | 6.24% | 6.24% | 6.24% |
| BAXTER CREDIT UNION | Unsecured home improvement loan | 6.49% | 6.49% | N/A | 6.49% | N/A | N/A | 6.49% | N/A |
| AFFINITY PLUS FEDERAL CREDIT UNION | Homeowner personal loan | 6.49% | 6.49% | 5.24% | 6.49% | 6.49% | 6.49% | 6.49% | 6.49% |
| BAXTER CREDIT UNION | Secured line of credit | 6.75% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| BAXTER CREDIT UNION | Personal loan | 6.99% | 6.99% | 6.99% | 6.99% | 6.99% | 6.99% | 6.99% | 6.99% |
| AFFINITY PLUS FEDERAL CREDIT UNION | Homeowner debt consolidation | 6.99% | 6.99% | 5.99% | 6.99% | 6.99% | 6.99% | 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% | 7.75% | 7.75% | 7.75% | 7.75% | 7.75% | N/A |
| SAN FRANCISCO FEDERAL CREDIT UNION | Debt consolidation loans | 7.99% | 7.99% | N/A | 7.99% | N/A | N/A | 7.99% | N/A |
| BAXTER CREDIT UNION | Personal line of credit | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% |
| BAXTER CREDIT UNION | Unsecured home improvement line of credit | 8.5% | 8.5% | N/A | 8.5% | N/A | N/A | 8.5% | N/A |
| AMERICU CREDIT UNION | Signature, personal & unsecured loans | 9.24% | 9.24% | 9.24% | 9.24% | 9.24% | N/A | 9.24% | N/A |
| AMERICU CREDIT UNION | Home renovation loan | 9.49% | 9.49% | N/A | 9.49% | 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 | 10.75% | 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% | N/A | 15.24% | 15.24% | 15.24% | 15.24% |
| AMERICU CREDIT UNION | Quick cash loan | 17.99% | 17.99% | 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 17, 2026, the FREEDOM Personal Loan maintains a steady 3.99% APR, unchanged over the past 7, 15, and 30 days. This consistent rate represents the lowest available APR among FREEDOM’s personal loan offerings, providing reliable borrowing costs for members. The fixed-rate structure suits those seeking predictable payments, such as members consolidating debt or financing significant expenses without rate fluctuations. Members should evaluate this option against their financial goals and consider fixed-rate loans for payment certainty when planning borrowing needs. For more details, visit https://freedomcu.org/loans-credit/personal-loans/.
BAXTER CREDIT UNION
As of July 17, 2026, BAXTER credit union’s personal loan rates remain steady with no changes over the past 30 days. The Credit builder loan and Medical degree refinance loan offer new options at competitive APRs of 4.5% and 4.8%, respectively. The lowest APR available is the Refinance loan at 4.64%, ideal for members seeking lower-cost refinancing solutions. For unsecured borrowing, the Unsecured home improvement loan holds a favorable rate at 6.49%, while the fixed-rate Personal loan remains unchanged at 6.99%. Members should compare these options based on their credit needs and consider fixed-rate products for predictable payments.
For more details, visit https://www.bcu.org/legal/rates?ids=Loans%2cPersonalLoans.
FIRST COMMERCE CREDIT UNION
As of July 17, 2026, FIRST COMMERCE personal loan rates remain stable across all products with a consistent 4.99% APR, unchanged over the past 30 days. This steady rate represents the lowest available APR for unsecured borrowing options, benefiting members seeking predictable costs for signature loans or debt consolidation. Members prioritizing payment certainty should consider these fixed rates when evaluating borrowing needs. 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 17, 2026, SAN FRANCISCO credit union’s personal loan rates remain steady. The Debt Consolidation Loan APR is stable at 7.99%, unchanged over the past 30 days, offering consistent borrowing costs for members seeking to manage existing debt. The Personal Loan maintains the lowest rate at 4.99% APR, presenting a cost-effective option for unsecured borrowing needs. Members prioritizing predictable payments may find the fixed-rate Personal Loan particularly valuable. Reviewing current rates can help align borrowing choices with financial goals; consider comparing these products to determine which best fits your needs.
For more details, visit https://www.sanfranciscofcu.com/rates/.
SPOKANE TEACHERS CREDIT UNION
As of July 17, 2026, SPOKANE TEACHERS personal loan rates remain stable with no changes across all products in the past 30 days. The Credit fit loan offers the lowest APR at 5.25%, ideal for members seeking affordable fixed-rate borrowing. For flexible credit access, the Personal line of credit holds steady at 11.74% APR, while unsecured borrowing is available through the Personal unsecured loan at 11.24% APR. The Budget fit loan maintains a consistent APR of 18.0%, suitable for members with specific budgeting needs. Members should compare these options based on their borrowing purpose and consider fixed-rate loans for predictable payments. For more details, visit https://webapps.stcu.org/rates/PersonalLoans.aspx.
TWINSTAR CREDIT UNION
As of July 17, 2026, the Unsecured personal loan at TWINSTAR remains steady with an APR of 5.25%, unchanged over the past 7, 15, and 30 days. This consistent rate represents the lowest available APR among listed personal loan options, offering members a reliable borrowing cost for various needs. Members seeking straightforward, fixed-rate financing without collateral may find this product particularly suitable. For those prioritizing predictable payments, considering fixed-rate options like this could provide financial clarity. Review your borrowing goals carefully to align with available terms. For more details, visit https://www.twinstarcu.com/loans/personal-loans.
AMERICU CREDIT UNION
As of July 17, 2026, AMERICU's personal loan rates remain stable with no changes over the past 30 days. The Holiday loan continues to offer the lowest APR at 5.75%, ideal for members seeking affordable short-term borrowing. Signature, personal & unsecured loans hold steady at 9.24%, providing competitive options for general borrowing needs. The Home renovation loan and Personal line of credit remain unchanged at 9.49% and 10.75%, respectively, suitable for specific purposes or flexible access to funds. The Quick cash loan is steady at 17.99%, reflecting a higher-cost option for urgent liquidity.
Members should review their borrowing goals and compare these fixed rates carefully; consider fixed-rate loans for predictable payments and long-term budgeting.
For more details, visit https://www.americu.org/current-rates/#signature-personal-unsecured-loans,
GREYLOCK FEDERAL CREDIT UNION
As of July 17, 2026, GREYLOCK's personal loan APRs remain stable with no changes over the past 30 days. The lowest rate is 6.00% on the Fuel loan, ideal for members seeking affordable financing for vehicle fuel or related expenses. For larger borrowing needs, the Unsecured personal loan up to $25,000 offers a competitive 7.75% APR, suitable for debt consolidation or major purchases without collateral. Smaller loans up to $2,500 carry a 9.99% APR, while loans between $2,501 and $5,000 are priced at 10.99% APR. The Checkmate overdraft protection maintains a steady 14.0% APR for short-term coverage.
Members should compare rates based on loan size and purpose and consider fixed-rate options if payment predictability is important. For more details, visit https://www.greylock.org/borrow/loans/personal-loans.html#rates.
PENTAGON FEDERAL CREDIT UNION
As of July 17, 2026, PENTAGON’s Personal Loans maintain a stable APR of 6.09%, showing no change over the past 7, 15, or 30 days. This consistent rate offers members a predictable borrowing cost for unsecured personal loans. With the lowest available APR at 6.09%, this product is suitable for members seeking straightforward financing without rate fluctuations. Members considering fixed-rate borrowing options may find this stability beneficial for budgeting and repayment planning. Review your financial goals and compare available products to ensure alignment with your borrowing needs. For more details, visit https://www.penfed.org/personal-loans.
AFFINITY PLUS FEDERAL CREDIT UNION
As of July 17, 2026, AFFINITY PLUS personal loan rates remain stable with no changes over the past 30 days. The Credit builder loan holds the lowest APR at 6.00%, ideal for members establishing credit. For those seeking secured borrowing, the Homeowner debt consolidation and Homeowner personal loan rates remain steady at 6.99% and 6.49%, respectively. The Holiday loan offers a consistent rate of 6.24%, while unsecured borrowing costs for a Personal unsecured loan are fixed at 7.24%. The variable-rate Personal line of credit stands at a higher APR of 15.24%, suited for flexible borrowing needs.
Members should compare these fixed-rate options carefully and consider their credit goals and repayment plans to select terms that best fit their financial situation. For more details, visit https://www.affinityplus.org/rates/personal-loan.
LendMesh
Life doesn’t wait—and neither should your finances. Whether you're juggling bills or finally tackling a personal project, LendMesh connects you with lenders offering fast, fair personal loans. No fluff. No upsell. Just honest comparisons that help you borrow with clarity. Ready to take action? Start now at https://www.lendmesh.com/loans/personal_loans and move forward with purpose.
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Conclusion
As you consider your next financial move, whether it’s consolidating high-interest debt, handling emergencies, or making a big purchase, remember that finding the lowest APR can save you hundreds or even thousands over the life of your loan. Today’s data shows standout options like Freedom Credit Union’s 3.99% personal loan and Baxter’s specialized refinancing products that may align perfectly with your needs. Take time to compare loan types carefully: unsecured loans offer convenience without collateral, while secured lines may provide better rates if you have assets to pledge. Don’t overlook less common but strategic choices such as credit builder loans if improving your credit score is part of your plan. Rates have remained steady recently, so locking in a competitive rate now could be wise before any market shifts occur. Keep an eye on changing offers by revisiting these updates weekly, staying informed empowers smarter borrowing decisions that fit your budget and future goals. Your best financial outcomes start with clear knowledge and timely action.