Introduction
On August 21, 2026, credit union members have some outstanding personal loan opportunities to explore. The spotlight shines brightly on Freedom Credit Union’s personal loan offering with an ultra-competitive APR of just 3.99%, holding steady over the past month. For those seeking specialized financing, Baxter Credit Union presents attractive options like the Credit Builder Loan at 4.5% APR and Medical Degree Refinance Loan at 4.8% APR, both unchanged in recent weeks. While most rates remain stable, Empower Credit Union’s personal loan saw a notable improvement, dropping from 6.49% to 5.24% this week, offering a fresh chance for borrowers aiming to save on interest costs. Whether you’re consolidating debt, managing unexpected expenses, or planning a big life event, today’s rate landscape offers promising pathways to affordable credit with trusted institutions. Keep an eye out for these competitive rates that could make a meaningful difference in your financial journey.
Personal Loans
| Lender | Product | 2026-08-21 Current | 2026-08-06 15 Days Ago | 2026-02-22 180 Days Ago | 2026-07-22 30 Days Ago | 2026-07-07 45 Days Ago | 2026-06-22 60 Days Ago | 2026-08-14 7 Days Ago | 2026-05-23 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% | 4.5% | N/A | 4.5% | N/A | N/A | 4.5% | N/A |
| BAXTER CREDIT UNION | Refinance loan | 4.64% | 4.64% | N/A | 4.64% | N/A | N/A | 4.64% | N/A |
| BAXTER CREDIT UNION | Medical degree refinance loan | 4.8% | 4.8% | N/A | 4.8% | 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% | 4.99% | 4.99% | N/A |
| EMPOWER FEDERAL CREDIT UNION | Personal loan | 5.24%▼ 125 bps | 6.49% | N/A | 6.49% | 6.49% | 6.49% | 5.24% | 6.49% |
| SPOKANE TEACHERS CREDIT UNION | Credit fit loan | 5.25% | 5.25% | 5.25% | N/A | 5.25% | 5.25% | 5.25% | 5.25% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Bridge to retirement loan | 5.49% | 5.49% | N/A | N/A | 5.49% | 5.49% | 5.49% | N/A |
| AMERICU CREDIT UNION | Holiday loan | 5.75% | 5.75% | N/A | 5.75% | 5.75% | 5.75% | 5.75% | N/A |
| GREYLOCK FEDERAL CREDIT UNION | Fuel loan | 6% | 6% | 6% | 6% | 6% | 6% | 6% | N/A |
| PENTAGON FEDERAL CREDIT UNION | Personal loans | 6.09% | 6.09% | N/A | 6.09% | 6.09% | 6.09% | 6.09% | N/A |
| BAXTER CREDIT UNION | Unsecured home improvement loan | 6.99% | 6.99% | N/A | 6.49% | 6.49% | 6.49% | 6.99% | N/A |
| BAXTER CREDIT UNION | Personal loan | 7.49% | 7.49% | 6.99% | 6.99% | 6.99% | 6.99% | 7.49% | 6.99% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Personal home improvement loan | 7.74% | 7.74% | N/A | N/A | 7.74% | 7.74% | 7.74% | N/A |
| 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% | 7.75% |
| SAN FRANCISCO FEDERAL CREDIT UNION | Debt consolidation loans | 7.99% | 7.99% | N/A | 7.99% | 7.99% | 7.99% | 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% | 8.5% | 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% | 9.49% | 9.49% | N/A | 9.49% | 9.49% | 9.49% | 9.49% |
| AMERICU CREDIT UNION | Home renovation loan | 9.49% | 9.49% | N/A | 9.49% | 9.49% | 9.49% | 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% | 10.75% | 10.75% | 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% | 13.25% | N/A | N/A | 13.25% | 13.25% | 13.25% | 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% | 17.99% | N/A | 17.99% | N/A |
| SPOKANE TEACHERS CREDIT UNION | Budget fit loan | 18% | 18% | 18% | N/A | 18% | 18% | 18% | 18% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Easyline | 18% | 18% | N/A | N/A | 18% | 18% | 18% | 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 August 21, 2026, the FREEDOM Personal Loan maintains a stable APR of 3.99%, unchanged over the past 30 days. This consistently low rate offers members an affordable borrowing option suitable for various needs, including debt consolidation and general personal expenses. Members seeking predictable payments will find this fixed-rate loan beneficial for financial planning. To make informed decisions, compare available personal loan terms and consider if a fixed APR aligns with your repayment goals. For more details, visit https://freedomcu.org/loans-credit/personal-loans/.
BAXTER CREDIT UNION
As of August 21, 2026, BAXTER credit union’s personal loan rates remain largely stable. Notably, the Personal Loan APR increased by 0.5 percentage points (50 bps) from 6.99% a month ago to 7.49% today, while most other products held steady. The lowest rate is on the Credit Builder Loan at 4.5% APR, ideal for members building or repairing credit. Members seeking debt refinancing can consider the consistent Medical Degree Refinance Loan at 4.8% APR or the Refinance Loan at 4.64% APR. For flexible borrowing, unsecured lines of credit maintain rates near 8.5%. Compare these options carefully based on your borrowing purpose and risk tolerance; fixed-rate loans may provide payment stability.
For more details, visit https://www.bcu.org/legal/rates?ids=Loans%2cPersonalLoans
FIRST COMMERCE CREDIT UNION
As of August 21, 2026, FIRST COMMERCE personal loan rates remain stable at 4.99% APR, showing no change over the past 7, 15, and 30 days. This consistent rate applies across all available unsecured and secured personal loan options, providing members with predictable borrowing costs. The 4.99% APR represents the lowest rate currently offered, making it a strong choice for members seeking affordable financing for debt consolidation or signature loans. Members should review their individual needs and consider fixed-rate loans to maintain payment certainty during their borrowing term. 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 August 21, 2026, SAN FRANCISCO Credit Union's personal loan rates remain steady with no changes over the past 30 days. Debt consolidation loans hold a consistent APR of 7.99%, suitable for members aiming to streamline existing debts. The most attractive rate is on personal loans at 4.99% APR, offering the lowest unsecured borrowing cost for general purposes or first-time borrowers. Given the stable rates, members should compare products based on their specific financial goals and consider fixed-rate loans if they prefer predictable monthly payments. For more details, visit https://www.sanfranciscofcu.com/rates/.
EMPOWER FEDERAL CREDIT UNION
As of August 21, 2026, the EMPOWER Personal loan APR stands at 5.24%, marking a significant decrease of 1.25 percentage points (125 bps) compared to 30 and 15 days ago when rates were 6.49%. The rate has remained stable over the past week. This reduction offers members a notably lower borrowing cost on unsecured personal loans, benefiting those seeking affordable financing for general purposes or debt consolidation. Members should consider this fixed-rate option for predictable payments and review their borrowing needs against this competitive rate.
For more details, visit https://www.empowerfcu.com/about-us/rates/personal-loan-rates.
SPOKANE TEACHERS CREDIT UNION
As of August 21, 2026, Spokane Teachers Credit Union’s personal loan rates remain stable across all products. The Credit fit loan offers the lowest APR at 5.25%, unchanged over the past month, ideal for members seeking affordable unsecured borrowing. The Personal unsecured loan and Personal line of credit both hold steady at 11.24% and 11.74%, respectively, providing flexible options without rate fluctuations. The higher-rate Budget fit loan remains at 18.0%, consistent for recent weeks, suited for members needing tailored payment plans. Members should compare fixed-rate products to align borrowing costs with their financial goals.
For more details, visit https://webapps.stcu.org/rates/PersonalLoans.aspx.
UNITED STATES SENATE FEDERAL CREDIT UNION
As of August 21, 2026, UNITED STATES SENATE credit union's personal loan rates remain steady with no changes over the past 30 days. The most competitive APR is offered by the Bridge to retirement loan at 5.49%, ideal for members seeking affordable borrowing during retirement transitions. For home projects, the Personal home improvement loan holds a fixed rate of 7.74%. Unsecured borrowing options like the standard Personal loan at 9.49% and the flexible Premierline at 13.25% remain unchanged. Members should compare these stable rates to identify loans that best fit their financial goals and consider fixed-rate options for predictable payments.
AMERICU CREDIT UNION
As of August 21, 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 those planning home improvements, the Home Renovation Loan holds steady at 9.49% APR. The Signature, Personal & Unsecured Loans provide a competitive rate of 9.24%, suitable for general borrowing needs without collateral. Members needing flexible access to funds can consider the Personal Line of Credit at 10.75% APR, while the Quick Cash Loan remains the highest-cost option at 17.99% APR. Review these fixed rates carefully to match your borrowing goals and risk tolerance.
For more details, visit https://www.americu.org/current-rates/#signature-personal-unsecured-loans.
GREYLOCK FEDERAL CREDIT UNION
As of August 21, 2026, GREYLOCK’s personal loan rates remain stable with no changes across all products over the past 30 days. The lowest APR is offered by the Fuel loan at 6.0%, ideal for members seeking affordable short-term borrowing. For larger amounts, the Unsecured personal loan up to $25,000 maintains a competitive rate of 7.75%, suitable for debt consolidation or significant expenses. Smaller loan options include the Personal loan up to $2,500 at 9.99% and the $2,501 to $5,000 tier at 10.99%. Members should review these fixed rates carefully and assess which option aligns best with their financial needs.
For more details, visit https://www.greylock.org/borrow/loans/personal-loans.html#rates.
PENTAGON FEDERAL CREDIT UNION
As of August 21, 2026, PENTAGON’s Personal loans maintain a steady APR of 6.09%, unchanged over the past 30 days. This consistent rate offers a reliable borrowing cost for members seeking flexible, unsecured financing options. With no recent fluctuations, these loans remain a transparent choice for those needing predictable monthly payments or planning fixed-rate borrowing. Members should assess this stable rate alongside their financial goals and consider fixed-rate products to manage repayment certainty effectively. For more details, visit https://www.penfed.org/personal-loans.
LendMesh
Some financial goals are urgent. Others are deeply personal. Either way, LendMesh helps you find personal loan options that support your journey. With real-time comparisons from trusted banks and credit unions, you can stop guessing and start acting. Whether it’s a family need or a fresh start, visit https://www.lendmesh.com/loans/personal_loans to take your next step with clarity.
Conclusion
As you consider your next step, be it debt consolidation, emergency funding, or financing a major purchase, prioritize loans with the lowest APRs and consistent terms to maximize your savings over time. Take advantage of Freedom Credit Union’s standout 3.99% personal loan or Baxter’s specialized low-rate products if they fit your needs. Remember to review your credit union’s eligibility criteria and loan terms carefully before committing. If your current rates seem high, now is a great time to shop around or refinance while competitive offers are available. Keep monitoring these trends weekly; even small drops like Empower’s recent rate decrease can translate into significant interest savings. Your financial health deserves smart choices, stay informed, act decisively, and don’t hesitate to reach out for personalized advice from your credit union experts.