Introduction
As of September 18, 2026, credit union loan rates remain steady, offering borrowers plenty of opportunities to secure affordable financing. The standout deal today is the Freedom Credit Union’s personal loan at an exceptionally low 3.99% APR, holding firm over the past month, perfect for anyone looking for a straightforward, budget-friendly loan option. For those building credit or refinancing specialized debt, Baxter Credit Union presents competitive options like their credit builder loan at 4.5% APR and medical degree refinance loan at 4.8% APR. Meanwhile, San Francisco Credit Union’s personal loans are competitively priced at 4.99%, ideal for consolidating debt or covering unexpected expenses. Whether you’re eyeing a small personal loan or a larger line of credit, today’s stable rates mean it’s a great time to explore your options with confidence and clarity.
Personal Loans
| Lender | Product | 2026-09-18 Current | 2026-09-03 15 Days Ago | 2026-03-22 180 Days Ago | 2026-08-19 30 Days Ago | 2026-08-04 45 Days Ago | 2026-07-20 60 Days Ago | 2026-09-11 7 Days Ago | 2026-06-20 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% | 4.5% | 4.5% | N/A |
| BAXTER CREDIT UNION | Refinance loan | 4.64% | 4.64% | N/A | 4.64% | 4.64% | 4.64% | 4.64% | N/A |
| BAXTER CREDIT UNION | Medical degree refinance loan | 4.8% | 4.8% | N/A | 4.8% | 4.8% | 4.8% | 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% | 4.99% |
| 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% | 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% | 5.49% | N/A | 5.49% | 5.49% | N/A | 5.49% | 5.49% |
| GREYLOCK FEDERAL CREDIT UNION | Fuel loan | 6% | 6% | N/A | 6% | 6% | 6% | 6% | 6% |
| 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% | 6.09% |
| 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 | 6.99% | 6.99% | 6.49% | 6.99% | 6.49% |
| AFFINITY PLUS FEDERAL CREDIT UNION | Homeowner personal loan | 7.24% | 7.24% | 6.24% | 7.24% | 7.24% | 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% | 7.49% | 7.49% | 6.99% | 7.49% | 6.99% |
| AFFINITY PLUS FEDERAL CREDIT UNION | Homeowner debt consolidation | 7.49% | 7.49% | 6.74% | 7.74% | 7.74% | 6.99% | 7.49% | 6.99% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Personal home improvement loan | 7.74% | 7.74% | N/A | 7.74% | 7.74% | N/A | 7.74% | 7.74% |
| 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% | 7.99% |
| 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% | 8.5% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Personal loan | 9.49% | 9.49% | 9.49% | 9.49% | 9.49% | N/A | 9.49% | 9.49% |
| 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% |
| 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 | 11.99%▲ 25 bps | 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% | 13.25% | N/A | 13.25% | 13.25% |
| 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% |
| SPOKANE TEACHERS CREDIT UNION | Budget fit loan | 18% | 18% | 18% | 18% | 18% | 18% | 18% | 18% |
| UNITED STATES SENATE FEDERAL CREDIT UNION | Easyline | 18% | 18% | N/A | 18% | 18% | N/A | 18% | 18% |
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 18, 2026, FREEDOM’s Personal Loan maintains a consistent APR of 3.99%, with no changes over the past 7, 15, or 30 days. This steady rate represents the lowest available APR among the credit union’s personal loan options, offering predictable borrowing costs ideal for members seeking fixed-rate loans for general purposes. Members looking for affordable, straightforward financing can benefit from this stable rate. To align with your financial goals, consider comparing this fixed-rate option against your borrowing needs to ensure it fits your repayment plans. For more details, visit https://freedomcu.org/loans-credit/personal-loans/.
BAXTER CREDIT UNION
As of September 18, 2026, BAXTER’s personal loan rates remain stable with no changes over the past 30 days. The lowest APR is on the Credit builder loan at 4.5%, ideal for members aiming to establish or improve credit. The Medical degree refinance loan and Refinance loan offer competitive fixed rates around 4.8% and 4.64%, suitable for borrowers seeking lower-cost refinancing options. For unsecured borrowing, the Personal loan at 7.49% and Unsecured home improvement loan at 6.99% provide reasonable rates, while lines of credit carry higher APRs near 8.5%. Members should review these fixed and variable options carefully to align with their financial goals and risk tolerance.For more details, visit https://www.bcu.org/legal/rates?ids=Loans%2cPersonalLoans.
FIRST COMMERCE CREDIT UNION
As of September 18, 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 consistent rate offers members a reliable borrowing option with one of the lowest unsecured loan APRs available. Members seeking predictable payments or affordable credit-building solutions will find these terms advantageous. When evaluating your borrowing needs, consider fixed-rate loans for payment stability and review all available options to ensure alignment with your 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 18, 2026, SAN FRANCISCO Credit Union's personal loan rates remain stable with no changes over the past 30 days. The Personal loans offer the lowest APR at 4.99%, ideal for members seeking affordable unsecured borrowing with predictable fixed rates. The Debt consolidation loans hold steady at 7.99% APR, suitable for those aiming to manage existing debt under a consistent rate. Members should compare these options carefully and consider fixed-rate products if payment certainty is a priority. For more details, visit https://www.sanfranciscofcu.com/rates/.
EMPOWER FEDERAL CREDIT UNION
As of September 18, 2026, the EMPOWER Personal Loan APR remains steady at 5.24%, showing no change over the past 7, 15, or 30 days. This stable rate offers consistent borrowing costs for members seeking unsecured financing options. The unchanged 5.24% APR represents the lowest available rate among EMPOWER’s personal loan products today, making it a suitable choice for members prioritizing predictable monthly payments. Members should compare this fixed-rate option with their financial goals and consider it if payment certainty is important. For more details, visit https://www.empowerfcu.com/about-us/rates/personal-loan-rates.
SPOKANE TEACHERS CREDIT UNION
As of September 18, 2026, Spokane Teachers Credit Union's personal loan rates remain largely stable. The Budget fit loan holds steady at 18.0% APR, reflecting no change over the past month. The Credit fit loan continues to offer the lowest unsecured rate at 5.25% APR, unchanged for 30 days, ideal for members with strong credit seeking affordable fixed rates. The Personal line of credit saw a slight increase to 11.99% APR, up 0.25 percentage points (25 bps) from 30 days ago, which may affect those needing flexible borrowing. The Personal unsecured loan remains steady at 11.24% APR. Members should compare these options carefully 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 18, 2026, UNITED STATES SENATE 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%, ideal for members planning retirement transitions. For home projects, the Personal home improvement loan holds steady at 7.74%. Unsecured borrowing options include the standard Personal loan at 9.49% and the flexible Premierline line of credit at 13.25%. The highest rate is on the Easyline unsecured loan at 18.00%, suited for short-term needs but with higher costs. Members should compare fixed-rate products for cost certainty aligned with their borrowing goals.For more details, visit https://www.ussfcu.org/resources/rates/rates.html#personal-loan:~:text=REFINANCE-,Personal%20Loan,-Learn%20More
GREYLOCK FEDERAL CREDIT UNION
As of September 18, 2026, GREYLOCK personal loan rates remain stable with no changes over the past month. The Unsecured personal loan up to $25,000 offers the lowest APR at 7.75%, suitable for members seeking larger loans with competitive rates. Smaller loans up to $2,500 carry a fixed rate of 9.99%, while loans between $2,501 and $5,000 are priced at 10.99%. The Fuel loan remains steady at 6.0%, ideal for short-term borrowing needs, and overdraft protection is available at 14.0%. Members should assess their borrowing amount and term preferences carefully and consider fixed-rate options for payment predictability.For more details, visit https://www.greylock.org/borrow/loans/personal-loans.html#rates.
PENTAGON FEDERAL CREDIT UNION
As of September 18, 2026, PENTAGON’s Personal loans maintain a steady APR of 6.09%, unchanged over the past 7, 15, and 30 days. This consistent rate represents the lowest available APR among the current offerings, providing stable borrowing costs for members. Such fixed-rate personal loans are well-suited for those seeking predictable payments without fluctuations, including members consolidating debt or financing significant expenses. For clarity and financial planning, members should compare this option with other credit products to ensure alignment with their borrowing goals. Consider fixed-rate loans if payment certainty is a priority. For more details, visit https://www.penfed.org/personal-loans.
AFFINITY PLUS FEDERAL CREDIT UNION
As of September 18, 2026, AFFINITY PLUS personal loan rates remain mostly stable. The Credit Builder Loan holds the lowest APR at a steady 6.0%, ideal for members building credit. The Holiday Loan stays fixed at 6.24%, while the Homeowner Debt Consolidation rate decreased by 0.25 percentage points (25 bps) from 7.74% to 7.49% over the past month, benefiting those seeking lower-cost debt restructuring. Other products like the Homeowner Personal Loan and Personal Unsecured Loan maintain steady rates at 7.24%. The Personal Line of Credit remains highest at 15.24%, suitable for flexible borrowing despite its cost.Members should compare product terms carefully and consider fixed-rate options for predictable payments.For more details, visit https://www.affinityplus.org/rates/personal-loan.
LendMesh
A personal loan isn’t just about borrowing money—it’s about creating breathing room. At LendMesh, we believe that access to affordable credit can be life-changing, especially when it’s easy to understand and compare. That’s why we partner with banks and credit unions who put your needs first. Explore flexible loan offers now at https://www.lendmesh.com/loans/personal_loans and find the right fit for your finances.
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Conclusion
When considering a personal loan for debt consolidation, emergencies, or major life events, locking in a low APR can save you hundreds or even thousands over the life of your loan. Take advantage of the consistent rates from trusted credit unions like Freedom and Baxter by reviewing their offerings closely, especially if you qualify for specialty products such as credit builder or refinance loans. Remember to assess your budget carefully and choose terms that fit your financial goals without stretching your resources thin. As markets remain stable this week, it’s wise to keep an eye on rates and revisit your options regularly; even small rate shifts can impact your monthly payments significantly. Stay informed, plan ahead, and don’t hesitate to reach out to your credit union for personalized guidance tailored to your unique needs.