Introduction
As of August 14, 2026, savvy borrowers have some standout personal loan opportunities to consider across credit unions nationwide. If you’re looking for the lowest APRs, Freedom Credit Union leads the way with a remarkably low 3.99% personal loan rate, consistent over the past month and perfect for those seeking affordable financing. Heritage’s line of credit program offers an eye-catching 3.0% APR today, though it has seen a dramatic drop from 15% just a week ago, making it a compelling option for flexible borrowing needs. Baxter Credit Union also shines with several competitive rates, including credit builder loans at 4.5% and medical degree refinance loans at 4.8%, ideal for members focused on credit improvement or specialized refinancing. For debt consolidation or home improvement projects, San Francisco and AMERICU credit unions offer steady options with rates hovering in the mid-to-high single digits but notable stability. Meanwhile, Empower’s personal loan rate decreased from 6.49% last week down to 5.24% today, giving members a fresh chance to lock in savings. Whether you're planning to consolidate debt, cover unexpected expenses, or finance a big life event, these competitive rates on August 14 present real opportunities to save money and take control of your finances.
Personal Loans
| Lender | Product | 2026-08-14 Current | 2026-07-30 15 Days Ago | 2026-02-15 180 Days Ago | 2026-07-15 30 Days Ago | 2026-06-30 45 Days Ago | 2026-06-15 60 Days Ago | 2026-08-07 7 Days Ago | 2026-05-16 90 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| HERITAGE FEDERAL CREDIT UNIONLOWEST | Line of credit | 3%▼ 1200 bps | 15% | 15% | 15% | 15% | 15% | 15% | 3% |
| FREEDOM CREDIT UNION | 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% | 4.5% | N/A | N/A | N/A | N/A | 4.5% | N/A |
| BAXTER CREDIT UNION | Refinance loan | 4.64% | 4.64% | N/A | N/A | N/A | N/A | 4.64% | N/A |
| BAXTER CREDIT UNION | Medical degree refinance loan | 4.8% | 4.8% | 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% | 4.99% | N/A | 4.99% | N/A |
| EMPOWER FEDERAL CREDIT UNION | Personal loan | 5.24%▼ 125 bps | 6.49% | N/A | 6.49% | 6.49% | 6.49% | 6.49% | 6.49% |
| SPOKANE TEACHERS CREDIT UNION | Credit fit loan | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Bridge to retirement loan | 5.49% | N/A | N/A | N/A | 5.49% | N/A | 5.49% | N/A |
| SELF-HELP FEDERAL CREDIT UNION | Energy saver loans | 5.75% | N/A | N/A | N/A | N/A | N/A | N/A | 5.75% |
| SELF-HELP FEDERAL CREDIT UNION | Solar loans | 5.75% | N/A | N/A | N/A | N/A | N/A | N/A | 5.75% |
| AMERICU CREDIT UNION | Holiday loan | 5.75% | 5.75% | N/A | 5.75% | 5.75% | N/A | 5.75% | N/A |
| BAXTER CREDIT UNION | Secured line of credit | 6.75% | 6.75% | N/A | N/A | N/A | N/A | 6.75% | N/A |
| BAXTER CREDIT UNION | Unsecured home improvement loan | 6.99%▲ 50 bps | 6.49% | N/A | 6.49% | 6.49% | N/A | 6.99% | N/A |
| BAXTER CREDIT UNION | Personal loan | 7.49%▲ 50 bps | 6.99% | 6.99% | 6.99% | 6.99% | 6.99% | 7.49% | 6.99% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Personal home improvement loan | 7.74% | N/A | N/A | N/A | 7.74% | N/A | 7.74% | N/A |
| SAN FRANCISCO FEDERAL CREDIT UNION | Debt consolidation loans | 7.99% | 7.99% | N/A | 7.99% | 7.99% | 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% | 8.5% | N/A | 8.5% | N/A |
| AMERICU CREDIT UNION | Signature, personal & unsecured loans | 9.24% | 9.24% | N/A | 9.24% | 9.24% | 9.24% | 9.24% | N/A |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Personal loan | 9.49% | N/A | 9.49% | N/A | 9.49% | N/A | 9.49% | 9.49% |
| AMERICU CREDIT UNION | Home renovation loan | 9.49% | 9.49% | N/A | 9.49% | 9.49% | N/A | 9.49% | N/A |
| AMERICU CREDIT UNION | Personal line of credit | 10.75% | 10.75% | N/A | 10.75% | 10.75% | N/A | 10.75% | N/A |
| 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% |
| HERITAGE FEDERAL CREDIT UNION | Signature loan | 12.6% | 12.6% | 12.6% | 12.6% | 12.6% | 12.6% | 12.6% | 12.6% |
| SELF-HELP FEDERAL CREDIT UNION | Signature- unsecured | 12.75% | N/A | N/A | N/A | N/A | N/A | 12.75% | 12.5% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Premierline | 13.25% | N/A | N/A | N/A | 13.25% | N/A | 13.25% | N/A |
| AMERICU CREDIT UNION | Quick cash loan | 17.99% | 17.99% | N/A | 17.99% | 17.99% | 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 | N/A | 18% | 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.
HERITAGE FEDERAL CREDIT UNION
As of August 14, 2026, HERITAGE's Line of credit offers the lowest APR at 3.0%, a significant drop from 15.0% over the past month, improving borrowing affordability for members needing flexible access to funds. The Signature loan rate remains steady at 12.6% APR, providing consistent fixed-rate borrowing for those seeking predictable payments. Members prioritizing low ongoing costs may consider the line of credit, while those preferring stable rates should evaluate the signature loan. Review current rates carefully and compare product features to align with your financial goals and repayment preferences. For more details, visit https://www.heritagefederal.org/personal-banking/loans-and-credit-cards/loan-rates/personal-loan-rates,
FREEDOM CREDIT UNION
As of August 14, 2026, FREEDOM’s Personal loan APR remains steady at 3.99%, unchanged over the past 7, 15, and 30 days. This consistent rate reflects stable borrowing costs for members seeking unsecured financing. With the lowest available APR at 3.99%, this product offers predictable terms suitable for a broad range of needs, including debt consolidation or general personal expenses. Members valuing fixed rates and transparency may consider this option to maintain payment certainty. Review your borrowing goals carefully and compare loan options to ensure alignment with your financial plan. For more details, visit https://freedomcu.org/loans-credit/personal-loans/.
BAXTER CREDIT UNION
As of August 14, 2026, most BAXTER personal loan rates remain stable. Notably, the Personal loan APR increased from 6.99% to 7.49% over the last 15 days, reflecting a 0.5 percentage point (50 bps) rise. Similarly, the Unsecured home improvement loan rate rose by 0.5 points from 6.49% to 6.99% during the same period. The lowest APR continues to be the Credit builder loan at 4.5%, ideal for members establishing credit. For secured options, the Refinance loan (4.64%) and Medical degree refinance loan (4.8%) offer competitive rates for refinancing needs. Members should review product terms carefully and consider fixed-rate loans for payment predictability.
For more details, visit https://www.bcu.org/legal/rates?ids=Loans%2cPersonalLoans.
FIRST COMMERCE CREDIT UNION
As of August 14, 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 members predictable borrowing costs. The 4.99% APR is the lowest available rate, making it an attractive option for those seeking unsecured personal loans or debt consolidation solutions. Members aiming for fixed-rate loans with transparent terms may benefit from reviewing these steady rates. To make informed decisions, compare product details and consider fixed-rate options for payment certainty.
SAN FRANCISCO FEDERAL CREDIT UNION
As of August 14, 2026, SAN FRANCISCO credit union’s personal loan rates remain stable with no changes in the past 30 days. Debt consolidation loans hold steady at an APR of 7.99%, suitable for members aiming to streamline existing debt with consistent borrowing costs. Meanwhile, personal loans offer the lowest available APR at 4.99%, making them attractive for members seeking affordable unsecured credit for various needs. Given the current fixed rates, members should compare products based on their borrowing goals and consider fixed-rate options if payment predictability is a priority. For more details, visit https://www.sanfranciscofcu.com/rates/.
EMPOWER FEDERAL CREDIT UNION
As of August 14, 2026, EMPOWER’s Personal loan APR stands at 5.24%, marking a significant decrease of 1.25 percentage points (125 bps) compared to the consistent 6.49% rate over the past 7, 15, and 30 days. This reduced rate represents the lowest borrowing cost currently offered by EMPOWER for unsecured personal loans, making it particularly advantageous for members seeking affordable financing for various needs. Members considering debt consolidation or signature loans may find this rate beneficial. It is advisable to compare loan terms closely and consider fixed-rate options if payment stability is a priority. For more details, visit https://www.empowerfcu.com/about-us/rates/personal-loan-rates.
SPOKANE TEACHERS CREDIT UNION
As of August 14, 2026, Spokane Teachers Credit Union’s personal loan APRs remain stable with no changes over the past 30 days. The Credit fit loan offers the lowest rate at 5.25% APR, making it ideal for members seeking affordable, fixed-rate borrowing. For flexible access to funds, the Personal line of credit and Personal unsecured loan carry rates of 11.74% and 11.24% APR respectively. The Budget fit loan holds steady at 18.0% APR, suitable for members needing short-term budgeting support. Review your borrowing needs carefully and consider fixed-rate options if you prefer predictable payments. For more details, visit https://webapps.stcu.org/rates/PersonalLoans.aspx.
UNITED STATES SENATE FEDERAL CREDIT UNION
As of August 14, 2026, UNITED STATES SENATE personal loan rates remain steady with no changes over the past 7 to 30 days. The Bridge to Retirement Loan offers the lowest APR at 5.49%, ideal for members seeking affordable, secured borrowing options. For unsecured loans, the standard Personal Loan carries an APR of 9.49%, while the Personal Home Improvement Loan is competitively priced at 7.74%, beneficial for members funding renovations. Higher-rate options like the Premierline at 13.25% and Easyline at 18.0% may suit those needing flexible terms or lines of credit. Members should compare these fixed-rate products based on their borrowing purpose and consider stable rates for predictable payments.
SELF-HELP FEDERAL CREDIT UNION
As of August 14, 2026, SELF-HELP’s personal loan rates remain steady. The Signature - unsecured loan holds at 12.75% APR, unchanged over the past week, offering a consistent option for members seeking unsecured borrowing. Both the Energy saver loans and Solar loans present the lowest available rate at 5.75% APR, ideal for members focused on energy efficiency financing. These fixed rates provide predictable costs without recent fluctuations. Members should evaluate their borrowing needs carefully; those prioritizing low-rate secured loans may find energy-related products advantageous, while others might consider signature loans for flexible, unsecured credit.
For more details, visit https://www.self-help.org/rates#:~:text=Signature%2D%20Unsecured
AMERICU CREDIT UNION
As of August 14, 2026, AMERICU's personal loan rates remain stable across all products with no changes over the past 30 days. The Holiday Loan offers the lowest APR at 5.75%, ideal for members seeking affordable seasonal borrowing. For larger projects, the Home Renovation Loan holds steady at 9.49%, while the Signature, Personal & Unsecured Loans remain competitive at 9.24% for general borrowing needs. The Personal Line of Credit is set at 10.75%, offering flexible access to funds, and the higher-rate Quick Cash Loan remains at 17.99% for urgent, short-term financing. Members should assess their borrowing goals and consider fixed-rate options for predictable payments.
For more details, visit https://www.americu.org/current-rates/#signature-personal-unsecured-loans.
LendMesh
When it comes to borrowing, trust matters. That’s why LendMesh only works with credit unions and banks that value transparency, fairness, and your financial future. Our personal loan marketplace helps you compare real rates—not teaser offers—and gives you tools to plan smarter. Whether you need funds fast or just want to explore options, we’re here for you. See your choices at https://www.lendmesh.com/loans/personal_loans and move forward with confidence.
Conclusion
When considering personal loans this week, it’s important to act thoughtfully and strategically. If debt consolidation is your goal, prioritize options with the lowest APRs like Freedom’s 3.99% personal loan or Heritage’s newly reduced 3.0% line of credit, both can significantly lower your monthly payments and interest costs over time. For emergencies or home improvements, look closely at stable offerings from San Francisco and AMERICU credit unions to ensure predictable budgeting. Remember to check your credit union’s specific terms and eligibility requirements before applying; even small differences in APR can add up over the life of a loan. Locking in today’s best rates can help you avoid higher costs down the road, especially as markets fluctuate. Keep an eye on Empower’s improving rates if you need flexible personal financing soon. Above all, keep reviewing your options regularly, rates can shift quickly, creating new chances to save or refinance smarter. Your financial goals deserve attention and care, so make it a priority to revisit these competitive loan products next week to stay ahead on your journey toward financial well-being.