Introduction
As of July 31, 2026, credit union personal loan rates remain steady with some standout opportunities for members seeking affordable borrowing options. The lowest APR on a personal loan sits impressively at 3.99% with Freedom Credit Union, offering a consistently competitive rate perfect for everyday needs like debt consolidation or unexpected expenses. For those looking beyond traditional personal loans, Baxter Credit Union presents a diverse menu, from credit builder loans at 4.5% APR to medical degree refinance loans at 4.8%, catering to specialized financial goals. Meanwhile, First Commerce and San Francisco Credit Unions both hold firm at 4.99% on their personal loan products, maintaining attractive terms for borrowers. If you’re interested in unsecured lines of credit or home improvement financing, Baxter and Americu offer solid options ranging from mid-6% to near 10% APRs. Today’s data reveals stability rather than volatility, allowing members to shop confidently without worrying about sudden rate hikes. Whether you’re planning a big purchase or managing emergency funds, these competitive fixed rates provide excellent opportunities to secure affordable credit.
Personal Loans
| Lender | Product | 2026-07-31 Current | 2026-07-16 15 Days Ago | 2026-02-01 180 Days Ago | 2026-07-01 30 Days Ago | 2026-06-16 45 Days Ago | 2026-06-01 60 Days Ago | 2026-07-24 7 Days Ago | 2026-05-02 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 |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Bridge to retirement loan | 5.49% | N/A | N/A | 5.49% | N/A | N/A | N/A | 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 |
| PENTAGON FEDERAL CREDIT UNION | Personal loans | 6.09% | 6.09% | N/A | 6.09% | N/A | N/A | 6.09% | N/A |
| BAXTER CREDIT UNION | Unsecured home improvement loan | 6.49% | 6.49% | N/A | 6.49% | N/A | N/A | 6.49% | N/A |
| 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% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Personal home improvement loan | 7.74% | N/A | N/A | 7.74% | N/A | N/A | N/A | N/A |
| GREYLOCK FEDERAL CREDIT UNION | Unsecured personal loan up to $25,000 | 7.75% | 7.75% | 7.75% | 7.75% | N/A | 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% | 9.24% | 9.24% | N/A |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Personal loan | 9.49% | N/A | 9.49% | 9.49% | N/A | N/A | N/A | 9.49% |
| 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% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Premierline | 13.25% | N/A | N/A | 13.25% | N/A | N/A | N/A | 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% | 17.99% | N/A | 17.99% | N/A | N/A | 17.99% | 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% | N/A | N/A | 18% | N/A | N/A | N/A | 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 31, 2026, FREEDOM's Personal loan maintains a steady APR of 3.99%, with no changes over the past 7, 15, or 30 days. This consistent rate offers reliable borrowing costs for members seeking unsecured personal loans. With the lowest available APR at 3.99%, this product suits members looking for affordable financing without fluctuations in interest rates. Members considering fixed-rate borrowing can expect predictable payments and should compare this option against their financial goals and repayment capacity. For more details, visit https://freedomcu.org/loans-credit/personal-loans/.
BAXTER CREDIT UNION
As of July 31, 2026, all BAXTER personal loan rates remain stable with no changes over the past 30 days. The Credit builder loan and Medical degree refinance loan both hold steady at 4.5% and 4.8% APR, respectively, providing low-rate options for members focused on credit building or refinancing education debt. The lowest available APR is the Credit builder loan at 4.5%, ideal for first-time borrowers seeking to establish credit affordably. For secured borrowing, the Secured line of credit at 6.75% APR offers competitive terms, while unsecured home improvement loans maintain a consistent rate of 6.49% APR. Members should review fixed-rate products for payment certainty and compare options based on their borrowing goals.
For more details, visit https://www.bcu.org/legal/rates?ids=Loans%2cPersonalLoans.
FIRST COMMERCE CREDIT UNION
As of July 31, 2026, FIRST COMMERCE maintains a stable 4.99% APR across all personal loan products, with no changes over the past 7, 15, or 30 days. This consistent rate offers members predictable borrowing costs suitable for various needs, including debt consolidation and credit building. The uniform 4.99% APR represents the lowest available rate currently offered, benefiting members seeking affordable unsecured loans with fixed terms. Members should evaluate their borrowing goals and consider these steady rates when planning financing options that require certainty in payments. 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 31, 2026, SAN FRANCISCO credit union’s personal loan rates remain stable. Both Debt Consolidation Loans and Personal Loans hold steady APRs at 7.99% and the lowest available 4.99%, respectively, with no changes over the past 30 days. Members seeking affordable unsecured borrowing will find the Personal Loan option particularly attractive due to its consistently low fixed rate. Those aiming to simplify existing debt can rely on the unchanged, competitive rate for Debt Consolidation Loans. Consider comparing these fixed-rate options carefully to align with your repayment goals and financial planning. For more details, visit https://www.sanfranciscofcu.com/rates/.
SPOKANE TEACHERS CREDIT UNION
As of July 31, 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 unsecured borrowing. The Personal unsecured loan and Personal line of credit maintain mid-range rates at 11.24% and 11.74%, respectively, suitable for flexible borrowing needs. The Budget fit loan holds steady at 18.0%, reflecting a higher-cost option typically used for short-term or specialized budgeting needs. Members should compare these fixed-rate products carefully to align borrowing with their financial goals.
For more details, visit https://webapps.stcu.org/rates/PersonalLoans.aspx.
TWINSTAR CREDIT UNION
As of July 31, 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 rate represents the lowest unsecured borrowing cost available from TWINSTAR, making it a solid option for members seeking straightforward, fixed-rate loans without collateral. Members looking for predictable monthly payments or funds for various personal needs may find this product suitable. To align your borrowing strategy with your financial goals, consider comparing this fixed-rate loan against other options for flexibility or payment certainty. For more details, visit https://www.twinstarcu.com/loans/personal-loans.
UNITED STATES SENATE FEDERAL CREDIT UNION
As of July 31, 2026, UNITED STATES SENATE credit union’s personal loan rates remain stable with no changes over the past month. The Bridge to retirement loan offers the lowest APR at 5.49%, consistent for 30 days, ideal for members seeking affordable secured borrowing near retirement. The Personal home improvement loan holds steady at 7.74%, providing a competitive option for home projects. Unsecured loans like the standard Personal loan and Premierline maintain rates at 9.49% and 13.25%, respectively, while the flexible Easyline line of credit remains at 18.0% APR. Members should review these fixed-rate options carefully to align borrowing costs with financial goals.
AMERICU CREDIT UNION
As of July 31, 2026, AMERICU’s personal loan rates remain stable with no changes over the past 30 days. The Holiday loan offers the lowest APR at 5.75%, ideal for members seeking affordable short-term borrowing. For unsecured needs, Signature, personal & unsecured loans maintain a competitive rate of 9.24%. Members planning home improvements can access a fixed Home renovation loan at 9.49%, while the Personal line of credit stands at 10.75%, suitable for flexible borrowing. The highest rate is the Quick cash loan at 17.99%, reflecting its risk profile. Members should compare these options carefully and consider fixed-rate loans for payment certainty. For more details, visit https://www.americu.org/current-rates/#signature-personal-unsecured-loans,
GREYLOCK FEDERAL CREDIT UNION
As of July 31, 2026, GREYLOCK personal loan rates remain stable with no changes across all products in the past 30 days. The lowest APR is on the Unsecured personal loan up to $25,000 at 7.75%, ideal for members seeking larger, flexible borrowing without collateral. For smaller needs, the Personal loan up to $2,500 offers a competitive 9.99% APR, while loans between $2,501 and $5,000 carry a 10.99% rate. Overdraft protection holds steady at 14.0%, and the fuel loan remains at an affordable 6.0%. Members should compare these fixed-rate options carefully to match their borrowing size and repayment preferences. For more details, visit https://www.greylock.org/borrow/loans/personal-loans.html#rates.
PENTAGON FEDERAL CREDIT UNION
As of July 31, 2026, PENTAGON's Personal loans maintain a steady Annual Percentage Rate of 6.09%, with no changes over the past 7, 15, or 30 days. This consistent rate offers predictable borrowing costs for members seeking unsecured personal loans. With no fluctuations, this product remains an attractive option for members prioritizing stable repayment terms. Consider comparing this fixed-rate option against your financial goals to ensure it aligns with your borrowing needs. For more details, visit https://www.penfed.org/personal-loans.
LendMesh
The right personal loan can help you turn a stressful moment into a stepping stone. Whether you need to consolidate debt, fund a meaningful project, or simply cover life’s curveballs, LendMesh is here to help. Our platform connects you to real lenders with real rates—no surprises, just options. Start your journey today at https://www.lendmesh.com/loans/personal_loans . Because financial clarity starts here.
Conclusion
Looking ahead, now is an ideal time to evaluate your borrowing needs with a focus on locking in low APRs like Freedom’s 3.99% personal loan, which can significantly reduce your interest burden over time. If consolidating high-interest debt or funding home improvements is on your horizon, consider exploring the tailored loan programs from Baxter or Americu that align well with specific financial situations. Remember, stability in rates means you can plan your finances with confidence, no surprises this month. As always, carefully review each loan’s terms and potential fees before committing, and take advantage of prequalification tools where available to safeguard your credit score. Keep an eye on your local credit unions’ offers next week too; even minor changes could unlock better savings or flexible repayment options suited just for you. Staying informed and proactive is key, your best financial outcomes start with making smart choices today!