Introduction
As of September 11, 2026, credit union personal loan rates remain steady, offering members some attractive borrowing opportunities. The Freedom Credit Union’s personal loan stands out with the lowest APR at an unbeatable 3.99%, maintaining consistency over the past month. For those looking for specialized options, Baxter Credit Union offers competitive refinancing and credit builder loans starting as low as 4.5%. Meanwhile, San Francisco Credit Union presents solid choices with personal loans at 4.99%, perfect for everyday financial needs. Whether you’re seeking to consolidate debt or finance a big life event, today’s stable rates across credit unions like Empower, Pentagon, and Greylock provide plenty of options to consider. With no rate fluctuations over recent weeks, it’s an excellent time to explore these reliable and cost-effective loans designed to fit a variety of budgets and goals.
Personal Loans
| Lender | Product | 2026-09-11 Current | 2026-08-27 15 Days Ago | 2026-03-15 180 Days Ago | 2026-08-12 30 Days Ago | 2026-07-28 45 Days Ago | 2026-07-13 60 Days Ago | 2026-09-04 7 Days Ago | 2026-06-13 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% | 5.24% | 6.49% | 6.49% | 5.24% | 6.49% |
| SPOKANE TEACHERS CREDIT UNION | Credit fit loan | 5.25% | N/A | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Bridge to retirement loan | 5.49% | 5.49% | N/A | 5.49% | N/A | N/A | 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 | N/A | 7.74% | N/A |
| GREYLOCK FEDERAL CREDIT UNION | Unsecured personal loan up to $25,000 | 7.75% | 7.75% | N/A | 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 | N/A | 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% | N/A | 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 | N/A | 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% | N/A | 18% | 18% | 18% | 18% | 18% | 18% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Easyline | 18% | 18% | N/A | 18% | N/A | 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.
FREEDOM CREDIT UNION
As of September 11, 2026, the FREEDOM Personal Loan maintains a stable APR of 3.99%, unchanged over the past 7, 15, and 30 days. This consistent rate reflects steady borrowing costs for members seeking unsecured personal loans. At 3.99%, it represents the lowest available APR among FREEDOM’s offerings, making it an attractive option for members needing flexible funds for various personal expenses. Members looking for predictable payments may benefit from this fixed rate. It is advisable to compare this product with other loan options to ensure alignment with your specific financial needs.For more details, visit https://freedomcu.org/loans-credit/personal-loans/.
BAXTER CREDIT UNION
As of September 11, 2026, BAXTER’s personal loan rates remain stable with no changes in APR across all products over the past 30 days. The Credit builder loan holds the lowest APR at 4.5%, ideal for members establishing or rebuilding credit. The Medical degree refinance loan and Refinance loan offer competitive fixed rates under 5%, suited for borrowers seeking lower-cost refinancing options. For unsecured borrowing, the Personal loan stands at 7.49%, while home improvement financing ranges from 6.99% (loan) to 8.5% (line of credit). Members should assess their financial goals and consider fixed-rate products for payment predictability.For more details, visit https://www.bcu.org/legal/rates?ids=Loans%2cPersonalLoans.
FIRST COMMERCE CREDIT UNION
As of September 11, 2026, FIRST COMMERCE maintains a steady APR of 4.99% across all personal loan products, with no changes over the past 7, 15, or 30 days. This stable rate environment benefits members seeking predictable borrowing costs, especially those interested in signature loans or unsecured options. The consistent 4.99% APR, the lowest available rate today, offers competitive affordability for debt consolidation or other personal financing needs. Members should consider comparing product terms closely and evaluate fixed-rate loans for payment certainty aligned with their financial goals. 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 11, 2026, SAN FRANCISCO credit union's personal loan rates remain stable with no changes over the past month. Personal loans hold the lowest APR at 4.99%, consistent for 30 days, making them suitable for members seeking affordable unsecured borrowing. Meanwhile, debt consolidation loans maintain a steady 7.99% APR, offering a fixed rate option for members aiming to manage existing debts efficiently. Members should assess their borrowing needs carefully and consider these fixed-rate products to ensure predictable repayment schedules.For more details, visit https://www.sanfranciscofcu.com/rates/.
EMPOWER FEDERAL CREDIT UNION
As of September 11, 2026, EMPOWER's Personal loan maintains a consistent APR of 5.24%, with no changes over the past 7, 15, or 30 days. This steady rate represents the lowest available borrowing cost among EMPOWER's personal loan products and offers reliable terms for members seeking fixed-rate financing. Members looking to manage everyday expenses or consolidate smaller debts may find this product suitable due to its stable pricing and predictable payments. To align your borrowing strategy with your financial goals, consider comparing fixed-rate options for payment certainty. For more details, visit https://www.empowerfcu.com/about-us/rates/personal-loan-rates.
SPOKANE TEACHERS CREDIT UNION
As of September 11, 2026, SPOKANE TEACHERS personal loan rates remain stable across all listed products. The Credit fit loan offers the lowest APR at 5.25%, unchanged over the past 30 days, making it suitable for members seeking affordable borrowing with predictable payments. The Personal unsecured loan and Personal line of credit maintain steady APRs at 11.24% and 11.74%, respectively, providing flexible options for general borrowing needs. The higher-rate Budget fit loan holds at 18.0%, likely appealing to members with less favorable credit profiles or specific budgeting requirements. Compare products carefully to match your financial goals and consider fixed-rate loans for payment certainty.For more details, visit https://webapps.stcu.org/rates/PersonalLoans.aspx.
UNITED STATES SENATE FEDERAL CREDIT UNION
As of September 11, 2026, UNITED STATES SENATE credit union’s personal loan rates remain stable with no changes over the past 30 days. The Bridge to retirement loan offers the lowest APR at 5.49%, suitable for members seeking affordable, secured borrowing. For home projects, the Personal home improvement loan maintains a competitive fixed rate of 7.74%. Unsecured borrowing options include the standard Personal loan at 9.49% and the flexible Premierline line of credit at 13.25%, both unchanged this month. Members should compare these fixed and variable rates carefully to align with their financial goals and risk tolerance.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 11, 2026, AMERICU’s personal loan rates remain steady with no changes over the past 30 days. The Holiday loan offers the lowest APR at 5.75%, ideal for members planning seasonal expenses. For home improvement needs, the Home renovation loan holds a consistent 9.49% APR. Members seeking flexible borrowing can consider the Personal line of credit at 10.75% APR, while those needing quick funds have access to the Quick cash loan at a fixed 17.99% APR. The Signature, personal & unsecured loans maintain a competitive rate of 9.24% APR, suitable for general borrowing purposes. Review your financial goals and compare these fixed-rate options for payment predictability. For more details, visit https://www.americu.org/current-rates/#signature-personal-unsecured-loans.
GREYLOCK FEDERAL CREDIT UNION
As of September 11, 2026, all GREYLOCK personal loan APRs remain stable with no changes in the past 30 days. The lowest rate is offered by the Fuel loan at 6.0% APR, ideal for members seeking affordable short-term borrowing. For larger amounts, the Unsecured personal loan up to $25,000 carries a competitive 7.75% APR, suitable for those needing flexible funds without collateral. Smaller loans under $2,500 are available at 9.99% APR, while mid-range personal loans ($2,501 to $5,000) stand at 10.99% APR. Members should compare these fixed rates carefully and consider their borrowing needs when selecting a product.For more details, visit https://www.greylock.org/borrow/loans/personal-loans.html#rates.
PENTAGON FEDERAL CREDIT UNION
As of September 11, 2026, PENTAGON's Personal loans maintain a stable APR of 6.09%, unchanged over the past 7, 15, and 30 days. This consistent rate offers predictability for members seeking unsecured borrowing options. With no recent fluctuations, members looking for straightforward personal loans benefit from clear, fixed borrowing costs. Consider comparing available products to ensure alignment with your financial goals and explore fixed-rate terms if payment certainty is a priority. For more details, visit https://www.penfed.org/personal-loans.
LendMesh
Every financial decision tells a story. Maybe you’re investing in yourself, managing a life change, or simply trying to catch your breath. At LendMesh, we make it easy to compare personal loans that support your goals—without drowning you in terms you don’t understand. With banks and credit unions competing for your trust, you’ll find options that feel just right. Visit https://www.lendmesh.com/loans/personal_loans to explore your next chapter.
Conclusion
When planning your next financial move, be it debt consolidation, emergency expenses, or home improvements, taking advantage of the lowest available APRs can save you significant money over time. Consider locking in fixed-rate personal loans like Freedom’s 3.99% offer or Baxter’s refinance options near 4.64% to reduce interest costs. Don’t overlook credit builder loans if you’re working on improving your credit profile; stable rates around 4.5% make them accessible and practical. Remember to review loan terms carefully and choose products that align with your repayment capacity and timeline. As rates hold steady this week, now is a smart moment to compare your options and apply before any shifts occur. Keep an eye on next week’s updates too, consistent vigilance can help you secure the best deal tailored just for your financial journey.