Introduction
On September 25, 2026, credit unions continue to offer some of the most competitive personal loan rates in the market, creating excellent opportunities for members looking to manage debt, finance emergencies, or plan for big life events. The standout rate today is from Freedom Credit Union, offering a personal loan at a remarkably low 3.99% APR, holding steady over the past month, ideal for borrowers seeking affordable signature loans. Baxter Credit Union also shines with its credit builder loan at 4.5% APR and a medical degree refinance loan at 4.8% APR, catering specifically to niche financial needs. For those eyeing debt consolidation, San Francisco Credit Union’s debt consolidation loans remain stable at 7.99% APR, while True Sky presents a solid debt consolidation option at 6.49% APR for members who want to reduce their interest burden efficiently. Throughout all programs and terms listed, rates have held steady without fluctuation, signaling a stable borrowing environment this week. Whether you’re building credit or refinancing education debt, today’s rates offer promising value and flexibility.
Personal Loans
| Lender | Product | 2026-09-25 Current | 2026-09-10 15 Days Ago | 2026-03-29 180 Days Ago | 2026-08-26 30 Days Ago | 2026-08-11 45 Days Ago | 2026-07-27 60 Days Ago | 2026-09-18 7 Days Ago | 2026-06-27 90 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| FREEDOM CREDIT UNIONLOWEST | Personal loan | 3.99% | 3.99% | 3.99% | 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% | 5.24% | 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 | 5.49% | 5.49% | N/A | 5.49% | 5.49% |
| TRUE SKY FEDERAL CREDIT UNION | Personal loan | 5.99% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| GREYLOCK FEDERAL CREDIT UNION | Fuel loan | 6% | 6% | N/A | 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% |
| TRUE SKY FEDERAL CREDIT UNION | Debt consolidation loan | 6.49% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| BAXTER CREDIT UNION | Secured line of credit | 6.75% | N/A | N/A | N/A | 6.75% | 6.75% | N/A | N/A |
| BAXTER CREDIT UNION | Unsecured home improvement loan | 6.99% | 6.99% | N/A | 6.99% | 6.99% | 6.49% | 6.99% | 6.49% |
| BAXTER CREDIT UNION | Personal loan | 7.49% | 7.49% | 6.99% | 7.49% | 7.49% | 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% |
| TRUE SKY FEDERAL CREDIT UNION | Personal line of credit | 7.99% | N/A | N/A | N/A | N/A | N/A | N/A | 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% | 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% | 11.99% | 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% |
| 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 | 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 25, 2026, FREEDOM's Personal Loan maintains a consistent APR of 3.99%, showing no change over the past 7, 15, or 30 days. This stable rate represents the lowest available APR among current offerings and benefits members seeking predictable, fixed-rate borrowing for various needs. Members considering flexible personal financing can rely on this steady rate to plan repayments confidently. To align borrowing choices with your financial goals, compare loan terms carefully and consider fixed-rate options if payment certainty is a priority. For more details, visit https://freedomcu.org/loans-credit/personal-loans/.
BAXTER CREDIT UNION
As of September 25, 2026, BAXTER's personal loan APRs remain stable with no changes over the past 30 days. The Credit builder loan and Medical degree refinance loan maintain the lowest rates at 4.5% and 4.8%, respectively, ideal for members building credit or refinancing education debt. The Refinance loan offers a competitive 4.64% APR, while secured borrowing is available through the new Secured line of credit at 6.75%. Unsecured home improvement options range from 6.99% to 8.5% APR, with the Personal loan and Personal line of credit steady at 7.49% and 8.49% respectively. Members should compare fixed and variable rates to match borrowing goals and risk tolerance.For more details, visit https://www.bcu.org/legal/rates?ids=Loans%2cPersonalLoans
FIRST COMMERCE CREDIT UNION
As of September 25, 2026, FIRST COMMERCE maintains a steady APR of 4.99% across its personal loan products, with no changes over the past 7, 15, or 30 days. This consistent rate represents the lowest available APR among the current offerings, benefiting members seeking predictable borrowing costs. Members aiming for straightforward financing, such as debt consolidation or signature loans, will find these stable rates advantageous. To optimize your borrowing strategy, carefully compare product terms and consider fixed-rate options if payment certainty aligns 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 25, 2026, SAN FRANCISCO credit union's personal loan rates remain stable with no changes in APR over the past 30 days. Debt consolidation loans hold steady at 7.99% APR, while the most competitive option is the Personal loans at a consistent 4.99% APR, representing the lowest unsecured borrowing cost available. Members seeking to lower monthly payments through debt consolidation or secure affordable fixed-rate personal financing will find these rates transparent and reliable. To align borrowing with your financial goals, carefully compare these products and consider fixed-rate options for predictable payments. For more details, visit https://www.sanfranciscofcu.com/rates/.
EMPOWER FEDERAL CREDIT UNION
As of September 25, 2026, the EMPOWER Personal Loan maintains a steady annual percentage rate of 5.24%, with no change over the past 7, 15, or 30 days. This consistent rate represents the lowest available APR among EMPOWER's personal loan options and may be especially beneficial for members seeking predictable borrowing costs for various needs. Members looking for straightforward unsecured financing can consider this fixed-rate option to manage their payments effectively. For tailored financial decisions, compare this product with your borrowing requirements and review fixed-rate loans for payment certainty. For more details, visit https://www.empowerfcu.com/about-us/rates/personal-loan-rates.
SPOKANE TEACHERS CREDIT UNION
As of September 25, 2026, SPOKANE TEACHERS personal loan rates remain stable with no changes in the last week for most products. The Budget fit loan holds steady at 18.0% APR, while the Credit fit loan offers the lowest rate at 5.25% APR, unchanged over 30 days, ideal for members seeking affordable credit-building options. The Personal line of credit shows a slight increase from 11.74% to 11.99% APR in the past 15 days, signaling a modest rise in borrowing costs. The Personal unsecured loan remains constant at 11.24% APR. Members should compare these fixed and variable rates carefully to align with their financial goals and consider fixed-rate loans for payment predictability. For more details, visit https://webapps.stcu.org/rates/PersonalLoans.aspx.
UNITED STATES SENATE FEDERAL CREDIT UNION
As of September 25, 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%, ideal for members nearing retirement seeking affordable financing. For home projects, the Personal home improvement loan holds steady at 7.74%. Unsecured borrowing options include the Personal loan at 9.49% and the Premierline line of credit at 13.25%. The highest rate is the Easyline unsecured product at 18.0%, suitable for short-term or smaller needs. 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
TRUE SKY FEDERAL CREDIT UNION
As of September 25, 2026, TRUE SKY offers three personal loan products with newly established rates. The Personal loan features the lowest APR at 5.99%, ideal for members seeking straightforward unsecured borrowing with predictable costs. The Debt consolidation loan carries a competitive rate of 6.49%, suitable for members aiming to simplify and potentially reduce their overall debt payments. The Personal line of credit has an APR of 7.99%, providing flexible access to funds for ongoing or unexpected expenses. Since these rates are newly posted, no recent trends are available yet; members should compare these options carefully and consider fixed-rate loans for payment stability.For more details, visit https://trueskycu.org/personal-loans/personal-line-of-credit.
GREYLOCK FEDERAL CREDIT UNION
As of September 25, 2026, GREYLOCK personal loan rates remain stable with no changes over the past month. The lowest APR is offered on the Unsecured personal loan up to $25,000 at 7.75%, ideal for members seeking larger borrowing amounts without collateral. Smaller loan options include the Personal loan up to $2,500 at 9.99% and the Personal loan from $2,501 to $5,000 at 10.99%, suitable for short-term funding needs. The Fuel loan holds steady at 6.0%, providing a fixed-cost option for specific expenses. Members should compare these products based on loan size and term preferences to align with their financial goals.For more details, visit https://www.greylock.org/borrow/loans/personal-loans.html#rates.
PENTAGON FEDERAL CREDIT UNION
As of September 25, 2026, PENTAGON's Personal loans maintain a steady APR of 6.09%, with no changes observed over the past 7, 15, or 30 days. This consistent rate represents the lowest available APR among the credit union’s unsecured borrowing options, offering reliable terms for members seeking predictable payment schedules. Members aiming for straightforward financing without rate fluctuations may find this product well-suited to their needs. To ensure optimal borrowing decisions, compare this fixed-rate option with your financial goals and consider its stability when planning repayments. For more details, visit https://www.penfed.org/personal-loans.
LendMesh
Financial peace of mind shouldn’t be a luxury. LendMesh makes it easy to discover personal loan options that help you breathe easier. From managing surprise bills to investing in personal growth, our platform brings clarity to your choices—without the fine print games. Discover what’s possible at https://www.lendmesh.com/loans/personal_loans and take control of your financial path.
Customers Also Interested In
Conclusion
As you consider your next financial move, whether consolidating high-interest debts, covering unexpected expenses, or investing in home improvements, remember that locking in a low fixed APR can save you significant money over time. Freedom’s unbeatable 3.99% personal loan is an especially attractive choice for many borrowers seeking straightforward financing with predictable payments. If your goal is targeted financial growth like credit building or refinancing professional education debt, Baxter’s specialized loans deliver tailored solutions at competitive rates worth exploring now. Don’t overlook the importance of reviewing your current financial landscape regularly; even small shifts in rates can impact your borrowing costs meaningfully. Keep an eye on updates next week and always compare multiple credit unions’ offerings to ensure you find the best fit for your unique situation. Taking proactive steps today could put you on a stronger financial footing tomorrow, so stay informed and seize these valuable lending opportunities while they last!