Introduction
As of September 4, 2026, credit union personal loan rates remain stable, offering members several attractive borrowing options for their financial needs. The standout opportunity today is with Freedom Credit Union’s personal loan at a remarkably low 3.99% APR, maintaining a steady rate over the past month. For those seeking specialized loans, Baxter Credit Union offers competitive options like the credit builder loan at 4.5% APR and the medical degree refinance loan at 4.8% APR, both unchanged in recent weeks. Meanwhile, San Francisco Credit Union presents solid choices with personal loans at 4.99% APR and debt consolidation loans at 7.99%. Although most rates have held firm, Empower Credit Union’s personal loan rate improved from 6.49% to 5.24% APR this month, signaling a beneficial shift for borrowers looking to act now. Whether you’re consolidating debt, planning home improvements, or managing emergency expenses, today’s credit union rates offer compelling options tailored to diverse financial goals.
Personal Loans
| Lender | Product | 2026-09-04 Current | 2026-08-20 15 Days Ago | 2026-03-08 180 Days Ago | 2026-08-05 30 Days Ago | 2026-07-21 45 Days Ago | 2026-07-06 60 Days Ago | 2026-08-28 7 Days Ago | 2026-06-06 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% | 4.5% | N/A | 4.5% | N/A |
| BAXTER CREDIT UNION | Refinance loan | 4.64% | 4.64% | N/A | 4.64% | 4.64% | N/A | 4.64% | N/A |
| BAXTER CREDIT UNION | Medical degree refinance loan | 4.8% | 4.8% | N/A | 4.8% | 4.8% | 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% | 6.49% | 6.49% | 6.49% | 6.49% | 5.24% | N/A |
| SPOKANE TEACHERS CREDIT UNION | Credit fit loan | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | N/A | 5.25% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Bridge to retirement loan | 5.49% | 5.49% | N/A | 5.49% | 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% | N/A | 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 | 6.99% | 6.49% | 6.49% | 6.99% | N/A |
| BAXTER CREDIT UNION | Personal loan | 7.49% | 7.49% | 6.99% | 7.49% | 6.99% | 6.99% | 7.49% | 6.99% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Personal home improvement loan | 7.74% | 7.74% | N/A | 7.74% | 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% | N/A |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Personal loan | 9.49% | 9.49% | 9.49% | 9.49% | 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% |
| 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 | 13.25% | 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% |
| AMERICU CREDIT UNION | Quick cash loan | 17.99% | 17.99% | N/A | 17.99% | 17.99% | 17.99% | 17.99% | N/A |
| SPOKANE TEACHERS CREDIT UNION | Budget fit loan | 18% | 18% | 18% | 18% | 18% | 18% | N/A | 18% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Easyline | 18% | 18% | N/A | 18% | 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 September 4, 2026, FREEDOM's Personal Loan maintains a stable APR of 3.99%, showing no change over the past 7, 15, or 30 days. This consistent rate remains the lowest available option for members seeking unsecured borrowing. The fixed-rate loan suits those looking for predictable payments without rate fluctuations. Members considering personal loans for general purposes or debt consolidation may find this product particularly advantageous. Review your borrowing needs carefully and compare fixed-rate options if you prioritize payment certainty. For more details, visit https://freedomcu.org/loans-credit/personal-loans/.
BAXTER CREDIT UNION
As of September 4, 2026, BAXTER's personal loan rates remain stable with no changes across all products over the past 30 days. The Credit builder loan holds the lowest APR at 4.5%, ideal for members building credit history. The Medical degree refinance loan and Refinance loan offer competitive fixed rates near 4.64%, 4.8%, suitable for borrowers seeking lower-cost refinancing options. Unsecured borrowing options like the Personal loan at 7.49% and the Unsecured home improvement loan at 6.99% provide moderate rates for flexible use, while lines of credit carry higher APRs around 8.49%.Members should review their borrowing goals and consider fixed-rate loans for predictable payments or lines of credit for flexibility.For more details, visit https://www.bcu.org/legal/rates?ids=Loans%2cPersonalLoans.
FIRST COMMERCE CREDIT UNION
As of September 4, 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 provides clear borrowing costs for members seeking affordable options. The uniform 4.99% APR represents the lowest available rate, beneficial for those needing unsecured loans or looking to consolidate debt without fluctuations in interest expense. Members should review loan terms carefully and consider fixed-rate options if payment predictability is a priority. 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 September 4, 2026, SAN FRANCISCO credit union’s Debt consolidation loans and Personal loans maintain stable APRs with no changes in the past 30 days. Both products offer consistent rates, 7.99% APR for debt consolidation and a notably low 4.99% APR for personal loans, the latter being the lowest available rate. Members seeking affordable unsecured borrowing will find personal loans especially valuable, while those aiming to streamline existing debt can consider the fixed-rate consolidation option. Review these rates carefully and assess which product aligns with your financial goals; consider fixed-rate terms if payment predictability is important. For more details, visit https://www.sanfranciscofcu.com/rates/.
EMPOWER FEDERAL CREDIT UNION
As of September 4, 2026, the EMPOWER Personal loan APR remains steady at 5.24%, holding unchanged over the past 7 and 15 days. Notably, this reflects a significant decrease of 1.25 percentage points (125 bps) from 30 days ago when the rate was 6.49%. This reduction makes the personal loan product especially attractive for members seeking fixed-rate borrowing options with predictable payments. Members aiming to manage everyday expenses or consolidate smaller debts may find this rate beneficial. It is advisable to compare current rates across products and consider fixed-rate loans for budgeting certainty. For more details, visit https://www.empowerfcu.com/about-us/rates/personal-loan-rates.
SPOKANE TEACHERS CREDIT UNION
As of September 4, 2026, SPOKANE TEACHERS personal loan rates remain steady with no changes in APR 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 rates at 11.24% and 11.74%, respectively, providing options for flexible borrowing needs. The higher-rate Budget fit loan remains at 18.0%, suitable for members prioritizing budget-friendly terms despite the elevated rate. Members should review these stable rates carefully and consider fixed-rate loans for predictable payments.For more details, visit https://webapps.stcu.org/rates/PersonalLoans.aspx.
UNITED STATES SENATE FEDERAL CREDIT UNION
As of September 4, 2026, all personal loan rates at UNITED STATES SENATE remain stable with no changes over the past 30 days. The Bridge to Retirement Loan offers the lowest APR at 5.49%, ideal for members nearing retirement seeking affordable borrowing. For home projects, the Personal Home Improvement Loan holds a steady rate of 7.74%. Unsecured options like the standard Personal Loan are priced at 9.49%, while the Premierline and Easyline unsecured lines stand at 13.25% and 18.00%, respectively. Members should compare these fixed-rate products carefully to align borrowing costs with their financial goals.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 September 4, 2026, AMERICU's personal loan rates remain steady across all products with no changes in the past 30 days. The lowest APR is 5.75% on the Holiday loan, making it a cost-effective choice for short-term seasonal needs. Members seeking home improvement financing can consider the Home renovation loan at 9.49% APR, while those needing flexible borrowing might find the Personal line of credit at 10.75% APR suitable. The Signature, personal & unsecured loans offer a competitive 9.24% APR, beneficial for general borrowing without collateral. For higher-risk or quick funds, the Quick cash loan carries a higher rate at 17.99% APR.Review your borrowing goals and compare these fixed-rate options to select terms that align with your financial plan for clarity and payment predictability. For more details, visit https://www.americu.org/current-rates/#signature-personal-unsecured-loans,
GREYLOCK FEDERAL CREDIT UNION
As of September 4, 2026, GREYLOCK’s personal loan rates remain steady with no changes over the past month. The lowest APR is offered by the Fuel loan at 6.0%, suitable for members seeking affordable, short-term borrowing. The Unsecured personal loan up to $25,000 stands at 7.75% APR, providing a competitive option for larger needs without collateral. Smaller personal loans carry rates of 9.99% (up to $2,500) and 10.99% ($2,501 to $5,000). Overdraft protection is fixed at 14.0% APR. Members should review these options carefully and consider fixed-rate loans for predictable payments.For more details, visit https://www.greylock.org/borrow/loans/personal-loans.html#rates.
PENTAGON FEDERAL CREDIT UNION
As of September 4, 2026, PENTAGON's Personal loans maintain a stable annual percentage rate (APR) of 6.09%, unchanged over the past 30 days. This consistent rate offers members predictable borrowing costs, particularly beneficial for those seeking fixed-rate options. With no recent fluctuations, this product remains a reliable choice for members needing straightforward personal financing without variable rate concerns. Members should review their borrowing needs and consider this steady APR when comparing loan options for budgeting certainty.For more details, visit https://www.penfed.org/personal-loans.
LendMesh
Whether it’s funding a wedding, fixing the roof, or getting ahead of bills, personal loans give you room to breathe. At LendMesh, we help you find flexible options from lenders who actually care—no complicated forms, just honest guidance and rate comparisons. Let us take the guesswork out of borrowing. Visit https://www.lendmesh.com/loans/personal_loans and see how LendMesh puts your goals first.
Conclusion
When considering a personal loan this month, it’s wise to focus on locking in the lowest possible APRs, especially if you plan to consolidate high-interest debt or finance large purchases. Rates like Freedom’s 3.99% personal loan and Baxter’s credit builder option provide excellent gateways to affordable borrowing without stretching your budget. Remember to compare not just rates but also terms and fees across credit unions to find the best fit for your situation. If you need flexible access, lines of credit might offer more convenience despite slightly higher rates. Keep an eye on lenders like Empower that recently lowered their rates, this could be a sign of upcoming opportunities worth revisiting next week. Most importantly, take action soon while these competitive offers hold steady, so you can confidently meet your financial goals with manageable payments and peace of mind ahead.