Introduction
As of August 28, 2026, credit union personal loan rates remain steady with some compelling options for members looking to finance everything from home improvements to debt consolidation. The standout rate today is a remarkably low 3.99% APR on Freedom Credit Union’s Personal Loan, offering an affordable path for everyday expenses or emergency funds. For those building credit or refinancing specialized loans, Baxter Credit Union presents competitive fixed rates like the 4.5% Credit Builder Loan and a Medical Degree Refinance Loan at 4.8%. While most rates have held firm over the past month, there’s a notable drop in Baxter’s Personal Loan rate from 7.49% to 6.99% over the last 30 days, an opportunity worth exploring if you’ve been waiting for better terms. Whether you’re seeking quick cash, holiday financing, or longer-term personal loans, this week’s data highlights solid choices across various credit unions, ensuring members can find tailored solutions that fit their financial goals.
Personal Loans
| Lender | Product | 2026-08-28 Current | 2026-08-13 15 Days Ago | 2026-03-01 180 Days Ago | 2026-07-29 30 Days Ago | 2026-07-14 45 Days Ago | 2026-06-29 60 Days Ago | 2026-08-21 7 Days Ago | 2026-05-30 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% | 5.24% | N/A | 6.49% | 6.49% | 6.49% | 5.24% | N/A |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Bridge to retirement loan | 5.49% | 5.49% | N/A | N/A | N/A | 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 |
| 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% | 6.09% | 6.09% | 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 | 6.99% | 6.99% | N/A | 6.49% | 6.49% | 6.49% | 6.99% | N/A |
| AFFINITY PLUS FEDERAL CREDIT UNION | Homeowner debt consolidation | 6.99%▼ 75 bps | 7.74% | 6.74% | 6.99% | 6.99% | 6.99% | 7.74% | 6.99% |
| AFFINITY PLUS FEDERAL CREDIT UNION | Homeowner personal loan | 7.24% | 7.24% | 6.24% | 6.49% | 6.49% | 6.49% | 7.24% | 6.49% |
| AFFINITY PLUS FEDERAL CREDIT UNION | Personal unsecured | 7.24% | 7.24% | 6.99% | 7.24% | 7.24% | 7.24% | 7.24% | 7.24% |
| 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 | N/A | 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% | 9.24% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Personal loan | 9.49% | 9.49% | 9.49% | N/A | N/A | 9.49% | 9.49% | N/A |
| 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% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Premierline | 13.25% | 13.25% | N/A | N/A | N/A | 13.25% | 13.25% | N/A |
| 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 | 17.99% | 17.99% | 17.99% | 17.99% | N/A |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Easyline | 18% | 18% | N/A | N/A | N/A | 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 28, 2026, FREEDOM’s Personal loan APR remains steady at 3.99%, showing no change over the past 7, 15, or 30 days. This consistent rate represents the lowest available APR among the listed options, offering members a reliable and affordable borrowing cost for various needs. Members seeking straightforward financing for everyday expenses or debt consolidation may find this fixed-rate loan suitable for predictable budgeting. To align with your financial goals, consider comparing this option with other products and evaluate fixed-rate loans if payment certainty is a priority. For more details, visit https://freedomcu.org/loans-credit/personal-loans/.
BAXTER CREDIT UNION
As of August 28, 2026, BAXTER’s personal loan rates remain largely stable. The Personal loan APR increased to 7.49% from 6.99% thirty days ago, marking a 0.5 percentage point (50 bps) rise, while most other products held steady. The lowest APR is the Credit builder loan at 4.5%, consistent over the past month, ideal for members building credit history. Members seeking debt consolidation or refinancing may consider the Refinance loan at 4.64% or the Medical degree refinance loan at 4.8%, both unchanged recently. For flexible borrowing, the Personal line of credit remains at 8.49%.Compare these options carefully to match your borrowing needs and consider fixed-rate loans for predictable payments. For more details, visit https://www.bcu.org/legal/rates?ids=Loans%2cPersonalLoans.
FIRST COMMERCE CREDIT UNION
As of August 28, 2026, FIRST COMMERCE maintains a stable APR of 4.99% across all personal loan products, with no changes over the past 7, 15, or 30 days. This consistent rate offers members predictable borrowing costs, particularly benefiting those seeking unsecured signature loans or debt consolidation options. The 4.99% APR stands as the lowest available rate, providing a competitive choice for members aiming for affordable financing. Members should review their borrowing needs carefully and consider fixed-rate options for payment certainty and budgeting ease.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 28, 2026, SAN FRANCISCO credit union's personal loan rates remain stable across all products. The Debt consolidation loans maintain a consistent APR of 7.99%, showing no change over the past 30 days. The most competitive option is the Personal loans with a steady, lowest APR of 4.99%, unchanged in the last month. Members aiming for manageable monthly payments may find the fixed-rate Personal loans advantageous, while those focusing on debt management can consider the stable consolidation loan rates. To align borrowing choices with financial goals, compare these options carefully and consider fixed-rate products for payment predictability. For more details, visit https://www.sanfranciscofcu.com/rates/.
EMPOWER FEDERAL CREDIT UNION
As of August 28, 2026, the EMPOWER Personal Loan rate remains steady at 5.24% APR, unchanged from both 7 and 15 days ago. This marks a notable decrease of 1.25 percentage points (125 bps) compared to 30 days ago when the rate was 6.49% APR. The current rate is the lowest available APR for personal unsecured borrowing at EMPOWER, benefiting members seeking affordable fixed-rate options for various needs including debt consolidation or major expenses. Members should evaluate this stable, reduced rate against their borrowing goals and consider fixed-rate loans for predictable payments. For more details, visit https://www.empowerfcu.com/about-us/rates/personal-loan-rates,
UNITED STATES SENATE FEDERAL CREDIT UNION
As of August 28, 2026, UNITED STATES SENATE credit union’s personal loan rates remain stable with no changes over the past 30 days. The most affordable option is the Bridge to retirement loan at 5.49% APR, ideal for members nearing retirement seeking predictable borrowing costs. For members planning home projects, the Personal home improvement loan offers a consistent rate of 7.74% APR. The standard Personal loan stands at 9.49% APR, providing a balanced unsecured borrowing choice. Higher-rate options like Premierline (13.25% APR) and Easyline (18.0% APR) may suit those needing flexible terms or lines of credit despite higher costs.Members should compare these fixed-rate products to match their financial goals and consider fixed-rate loans for payment certainty. For more details, visit https://www.ussfcu.org/resources/rates/rates.html#personal-loan:~:text=REFINANCE-,Personal%20Loan,-Learn%20More
AMERICU CREDIT UNION
As of August 28, 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 short-term borrowing. For those needing home improvements, the Home renovation loan holds steady at 9.49%. The Signature, personal & unsecured loans maintain a competitive rate of 9.24%, suitable for general borrowing needs. Members requiring flexible access to funds can consider the Personal line of credit at 10.75%, while the Quick cash loan remains the highest cost option at 17.99%.Review your borrowing goals and compare these fixed APR options for financial clarity and planning certainty.For more details, visit https://www.americu.org/current-rates/#signature-personal-unsecured-loans.
GREYLOCK FEDERAL CREDIT UNION
As of August 28, 2026, GREYLOCK personal loan rates remain stable with no changes over the past 30 days. The lowest APR is offered by the Fuel loan at 6.0%, ideal for members seeking affordable short-term financing. For larger needs, the Unsecured personal loan up to $25,000 carries a competitive rate of 7.75%, suitable for debt consolidation or major expenses without collateral. Smaller loans up to $2,500 have an APR of 9.99%, while amounts from $2,501 to $5,000 are priced at 10.99%. The Checkmate overdraft protection maintains a consistent 14.0% APR.Members should compare these fixed-rate options to match their borrowing needs and consider credit terms carefully for payment predictability. For more details, visit https://www.greylock.org/borrow/loans/personal-loans.html#rates.
PENTAGON FEDERAL CREDIT UNION
As of August 28, 2026, PENTAGON's Personal loans maintain a steady APR of 6.09%, showing no changes over the past 7, 15, or 30 days. This consistent rate offers members a reliable borrowing cost for various needs. With the lowest available APR at 6.09%, these personal loans can benefit members seeking predictable fixed rates for general purposes or debt consolidation. Members should evaluate their borrowing goals and consider fixed-rate options if payment certainty is important. For more details, visit https://www.penfed.org/personal-loans.
AFFINITY PLUS FEDERAL CREDIT UNION
As of August 28, 2026, AFFINITY PLUS personal loan rates remain largely stable. The Credit builder loan holds the lowest APR at 6.00%, unchanged over the past month, ideal for members building credit. The Holiday loan also remains steady at 6.24%. Notably, the Homeowner debt consolidation rate decreased from 7.74% to 6.99% in the last 30 days, offering improved savings for debt consolidators. Conversely, the Homeowner personal loan rose slightly from 6.49% to 7.24%, suggesting caution for borrowers seeking home-related financing. The unsecured options, Personal unsecured and Personal line of credit, show no change at 7.24% and 15.24%, respectively.Members should compare fixed-rate loans like the Credit builder or Holiday loans for payment certainty and consider recent decreases in debt consolidation APRs when evaluating borrowing options. For more details, visit https://www.affinityplus.org/rates/personal-loan.
LendMesh
It’s your life, your budget, and your next move. LendMesh helps you borrow smarter by offering access to transparent personal loan options—so you never have to wonder if you got a fair deal. From low rates to flexible terms, our lending partners are here to support your journey. Ready to take a look? Visit https://www.lendmesh.com/loans/personal_loans and find your fit.
Conclusion
Navigating personal loan options with today’s stable yet competitive rates means it’s a great time to take action, especially if you’re consolidating debt or preparing for unexpected expenses. Remember, locking in a low APR like Freedom’s 3.99% personal loan can save you significant interest costs over time. Don’t overlook specialized offerings such as Baxter’s recently lowered personal loan rate or AFFINITY PLUS’s homeowner debt consolidation loans if you want targeted support for specific needs. Always compare terms carefully and consider your repayment ability before committing. Keep an eye on rate trends weekly because even small changes can impact your borrowing cost significantly. Your best next step? Review your budget, check eligibility requirements, and connect with your credit union soon to secure the most favorable rates available, then revisit these updates regularly to stay ahead of market shifts and maximize your borrowing power.