Introduction
On July 24, 2026, today’s personal loan landscape offers some standout opportunities for borrowers seeking competitive rates across credit unions nationwide. If you’re hunting for the lowest APR on a personal loan, Freedom Credit Union leads with a remarkably low 3.99% APR on its personal loan program, steady over the past month. For those looking to build or rebuild credit, Baxter’s credit builder loan holds firm at 4.5% APR, while their medical degree refinance loans also remain attractively priced at 4.8%. Spokane Teachers’ credit fit loan and Twinstar’s unsecured personal loan both offer competitive rates near 5.25%, perfect options for everyday borrowing needs. For families planning home improvements or holidays, AmeriCU presents solid choices with home renovation loans at 9.49% and holiday loans at 5.75% APR. Notably, these rates have held steady over the last 30 days, signaling stability in borrowing costs. Whether you’re tackling debt consolidation or seeking quick cash solutions, today’s data highlights several affordable avenues tailored to diverse financial goals, all without surprises in recent rate shifts.
Personal Loans
| Lender | Product | 2026-07-24 Current | 2026-07-09 15 Days Ago | 2026-01-25 180 Days Ago | 2026-06-24 30 Days Ago | 2026-06-09 45 Days Ago | 2026-05-25 60 Days Ago | 2026-07-17 7 Days Ago | 2026-04-25 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 | 4.5% | N/A |
| BAXTER CREDIT UNION | Refinance loan | 4.64% | N/A | N/A | N/A | N/A | N/A | 4.64% | N/A |
| BAXTER CREDIT UNION | Medical degree refinance loan | 4.8% | N/A | N/A | N/A | N/A | N/A | 4.8% | 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% | 6% | 6% | 6% | 6% | 6% |
| PENTAGON FEDERAL CREDIT UNION | Personal loans | 6.09% | 6.09% | N/A | 6.09% | 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% | 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 | 6.75% | 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% | N/A | 9.24% | N/A | 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% | 15.24% | 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 24, 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 the credit union’s personal loan options, making it an attractive choice for members seeking predictable borrowing costs. Members aiming to finance personal expenses or consolidate smaller debts may find this fixed rate beneficial for budgeting purposes. When evaluating borrowing options, consider comparing available products and prioritize fixed-rate loans if payment certainty is important. For more details, visit https://freedomcu.org/loans-credit/personal-loans/.
BAXTER CREDIT UNION
As of July 24, 2026, BAXTER's personal loan rates remain stable with no changes across all products over the past 30 days. The lowest APR is 4.5% on the Credit Builder Loan, ideal for members seeking to establish or improve credit. For borrowers with home improvement needs, the Unsecured Home Improvement Loan offers a competitive 6.49% APR, while secured options like the Secured Line of Credit at 6.75% APR provide flexibility for those preferring collateral-backed borrowing. Members considering debt consolidation or flexible access may find the Personal Line of Credit at 8.49% APR suitable. Review your financial goals and compare these fixed and variable rate options to align borrowing with your budget.
For more details, visit https://www.bcu.org/legal/rates?ids=Loans%2cPersonalLoans,
FIRST COMMERCE CREDIT UNION
As of July 24, 2026, FIRST COMMERCE maintains a stable personal loan APR of 4.99%, with no changes over the past 30 days. This consistent rate offers members reliable borrowing costs, particularly benefiting those seeking straightforward unsecured loans like signature loans or debt consolidation options. With no fluctuations, members can confidently plan for fixed-rate borrowing without concerns about rising costs. For tailored financial decisions, compare available products based on your borrowing needs and consider fixed-rate loans to ensure payment predictability. 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 24, 2026, SAN FRANCISCO's personal loan rates remain stable with no changes over the past 30 days. The Debt Consolidation Loans hold steady at an APR of 7.99%, suitable for members aiming to simplify multiple debts into one payment. Meanwhile, the Personal Loans offer the lowest available APR at 4.99%, providing an affordable option for general borrowing needs with fixed rates. Members should compare these options based on their financial goals and consider fixed-rate loans for predictable payments when planning their borrowing strategy. For more details, visit https://www.sanfranciscofcu.com/rates/.
SPOKANE TEACHERS CREDIT UNION
As of July 24, 2026, all SPOKANE TEACHERS personal loan rates remain unchanged over the past 30 days. The Credit fit loan offers the lowest APR at 5.25%, ideal for members seeking affordable unsecured borrowing. The Personal unsecured loan and Personal line of credit hold steady at 11.24% and 11.74% APR respectively, providing flexible options for various borrowing needs. The Budget fit loan maintains a consistent higher rate of 18.0%, suited for members requiring budget-specific terms. Members should compare these fixed-rate options carefully to align borrowing costs with their financial goals. For more details, visit https://webapps.stcu.org/rates/PersonalLoans.aspx.
TWINSTAR CREDIT UNION
As of July 24, 2026, the Unsecured personal loan from TWINSTAR holds steady at an APR of 5.25%, unchanged over the past 30 days. This fixed rate remains the lowest available APR among current personal loan options, offering predictable borrowing costs for members seeking flexible credit without collateral. Members looking for straightforward financing can benefit from this consistent rate. For financial clarity, consider comparing this option with others to match your borrowing needs and evaluate fixed-rate products if payment stability is a priority. For more details, visit https://www.twinstarcu.com/loans/personal-loans.
AMERICU CREDIT UNION
As of July 24, 2026, AMERICU's personal loan rates remain stable with no changes across all products in the past 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%. The Signature, personal & unsecured loans provide a competitive fixed rate of 9.24%, suitable for various borrowing needs without collateral. The Personal line of credit maintains a consistent APR of 10.75%, offering flexible access to funds. Meanwhile, the Quick cash loan is steady at 17.99%, reflecting its unsecured, fast-access nature.
Members should compare these fixed-rate options carefully to align borrowing costs with their financial goals and consider products that best match their repayment capacity and purpose.
For more details, visit https://www.americu.org/current-rates/#signature-personal-unsecured-loans.
GREYLOCK FEDERAL CREDIT UNION
As of July 24, 2026, GREYLOCK personal loan rates remain stable with no changes over the past month. The lowest APR available is 6.0% on the Fuel loan, ideal for members seeking affordable borrowing for vehicle-related expenses. For unsecured borrowing up to $25,000, the 7.75% APR offers competitive terms for larger needs. Smaller loans up to $2,500 carry a fixed 9.99% APR, while mid-range personal loans ($2,501, $5,000) are priced at 10.99% APR. The overdraft protection product maintains a steady 14.0% APR. Members should compare these fixed rates carefully and consider their borrowing amount to select the most cost-effective option.
For more details, visit https://www.greylock.org/borrow/loans/personal-loans.html#rates.
PENTAGON FEDERAL CREDIT UNION
As of July 24, 2026, PENTAGON's Personal Loans maintain a steady APR of 6.09%, showing no change over the past 7, 15, and 30 days. This consistent rate offers members a reliable borrowing cost for various needs, including debt consolidation or general personal financing. With 6.09% APR as the lowest available rate in this update, it may suit members seeking fixed-rate options to manage payment certainty. Members should compare loan terms carefully to determine which product aligns best with their financial goals.
For more details, visit https://www.penfed.org/personal-loans.
AFFINITY PLUS FEDERAL CREDIT UNION
As of July 24, 2026, AFFINITY PLUS personal loan rates remain stable with no changes over the past 30 days. The Credit builder loan offers the lowest APR at 6.00%, ideal for members building or rebuilding credit. For homeowners, both the Homeowner personal loan at 6.49% and the Homeowner debt consolidation loan at 6.99% provide competitive fixed rates for managing mortgage-related expenses or consolidating debt. The Personal unsecured loan carries a moderate APR of 7.24%, while the Personal line of credit remains highest at 15.24%, suited for flexible borrowing needs but at a premium cost. Members should compare products based on fixed versus variable rates and their borrowing goals to select the most appropriate option.
For more details, visit https://www.affinityplus.org/rates/personal-loan.
LendMesh
Whether you're building credit, consolidating debt, or preparing for something big, the right personal loan can make all the difference. At LendMesh, we believe in empowering your choices—not pressuring them. Compare top credit union and bank offers in real time at https://www.lendmesh.com/loans/personal_loans and take your next step on your terms.
Conclusion
As you consider your next financial move, be it consolidating high-interest debt, managing unexpected expenses, or investing in a big life event, remember that locking in a low APR can save you significant money over time. Take advantage of fixed-rate offers like Freedom Credit Union’s unbeatable 3.99% personal loan or Baxter’s specialized refinancing options if applicable to your situation. Always compare products carefully; sometimes lines of credit offer flexibility but come with higher rates. If your priority is building credit, focus on programs designed specifically for that purpose to strengthen your financial future responsibly. Keep an eye out for stable rates such as those from AmeriCU and Affinity Plus, which may provide reliable funding without sudden cost increases. Finally, revisit loan rates regularly, markets shift and new promotions arise, so staying informed empowers smarter borrowing decisions. Your path to financial wellness starts with thoughtful research and selecting the best product that fits your unique needs today and tomorrow.