Introduction
As of October 2, 2026, today’s personal loan landscape offers some standout opportunities for borrowers seeking competitive rates and flexible terms. For those looking to secure the lowest possible APR, Freedom Credit Union leads with an exceptionally low 3.99% rate on its personal loans, holding steady over the past month. This makes Freedom a top choice for members prioritizing affordable borrowing costs for everything from debt consolidation to unexpected expenses. Meanwhile, San Francisco Credit Union provides strong options as well, featuring 4.99% APR on personal loans alongside debt consolidation loans at 7.99%, both unchanged in recent weeks. If you’re exploring credit builder or signature loans, Baxter and Hawaiian Financial offer appealing rates at 4.5% and around 7.49%, respectively. With no major fluctuations across the board this month, today’s stable rates present a reassuring environment for planning your next financial move with confidence.
Personal Loans
| Lender | Product | 2026-10-02 Current | 2026-09-17 15 Days Ago | 2026-04-05 180 Days Ago | 2026-09-02 30 Days Ago | 2026-08-18 45 Days Ago | 2026-08-03 60 Days Ago | 2026-09-25 7 Days Ago | 2026-07-04 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 |
| SAN FRANCISCO FEDERAL CREDIT UNION | Personal loans | 4.99% | 4.99% | N/A | 4.99% | 4.99% | 4.99% | 4.99% | 4.99% |
| PENTAGON FEDERAL CREDIT UNION | Personal loans | 6.09% | 6.09% | N/A | 6.09% | 6.09% | 6.09% | 6.09% | 6.09% |
| ERIE FEDERAL CREDIT UNION | Ez personal loan (unsecured loan) | 6.49% | 6.49% | 6.49% | 6.49% | 6.49% | 6.49% | 6.49% | 6.49% |
| BAXTER CREDIT UNION | Unsecured home improvement loan | 6.49%▼ 50 bps | 6.99% | N/A | 6.99% | 6.99% | 6.99% | 6.99% | 6.49% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | Personal loan rates | 6.59%▲ 10 bps | 6.49% | N/A | 6.49% | 6.34% | 6.34% | 6.49% | 6.34% |
| ALABAMA CREDIT UNION | Lifestyle loan | 6.75% | 6.75% | 6.75% | 6.75% | 6.75% | 6.75% | 6.75% | 6.75% |
| BAXTER CREDIT UNION | Personal loan | 6.99%▼ 50 bps | 7.49% | 6.99% | 7.49% | 7.49% | 7.49% | 7.49% | 6.99% |
| HAWAIIAN FINANCIAL FEDERAL CREDIT UNION | Personal / consolidation loan | 6.99% | 6.99% | N/A | 6.99% | 6.99% | 6.99% | 6.99% | 6.99% |
| CFCU COMMUNITY CREDIT UNION | Personal loan | 6.99% | 6.99% | 6.99% | 6.99% | 6.99% | 6.99% | 6.99% | 6.99% |
| PATELCO CREDIT UNION | Personal loan | 6.99% | 6.99% | 9.3% | 6.99% | 6.99% | 6.99% | 6.99% | 6.99% |
| HAWAIIAN FINANCIAL FEDERAL CREDIT UNION | Signature loans rates | 7.49% | 7.49% | N/A | 7.49% | 7.49% | 6.99% | 7.49% | 7.49% |
| BAXTER CREDIT UNION | Unsecured home improvement line of credit | 7.75%▼ 75 bps | 8.5% | N/A | 8.5% | 8.5% | 8.5% | 8.5% | 8.5% |
| 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 | 8.74%▲ 25 bps | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% | 8.49% |
| ALABAMA CREDIT UNION | Personal property | 9.75% | 9.75% | 9.75% | 9.75% | 9.75% | 9.75% | 9.75% | 9.75% |
| ALABAMA CREDIT UNION | Line of credit, overdraft & installment loans | 10.75% | 10.75% | 10.75% | 10.75% | 10.75% | 10.75% | 10.75% | 10.75% |
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 October 2, 2026, FREEDOM's Personal Loan maintains a stable APR of 3.99%, showing no change over the past 7, 15, and 30 days. This consistent rate offers members a reliable borrowing cost for various needs. With one of the lowest unsecured loan rates available, this product is suitable for members seeking predictable payments without collateral. Members should evaluate their borrowing goals carefully and consider fixed-rate options like this to ensure payment certainty and budget stability. For more details, visit https://freedomcu.org/loans-credit/personal-loans/.
SAN FRANCISCO FEDERAL CREDIT UNION
As of October 2, 2026, SAN FRANCISCO credit union's personal loan rates remain stable with no changes over the past 30 days. The Debt consolidation loans hold steady at 7.99% APR, suitable for members aiming to simplify and reduce high-interest debt payments. Meanwhile, the Personal loans offer the lowest available rate at 4.99% APR, making them a cost-effective option for general borrowing needs or first-time borrowers seeking fixed-rate terms. Members should assess their borrowing goals carefully and consider these fixed rates for predictable monthly payments. For more details, visit https://www.sanfranciscofcu.com/rates/.
PENTAGON FEDERAL CREDIT UNION
As of October 2, 2026, PENTAGON's Personal loans maintain a stable APR at 6.09%, unchanged over the past 30 days. This consistent rate reflects steady borrowing costs without recent fluctuations. With the lowest available APR at 6.09%, this option remains attractive for members seeking fixed-rate personal loans for various needs, including debt consolidation or general borrowing. Members aiming for predictable payments may consider this fixed-rate product to manage finances effectively. Review your borrowing goals and compare available terms to select the most appropriate solution. For more details, visit https://www.penfed.org/personal-loans.
ERIE FEDERAL CREDIT UNION
As of October 2, 2026, the Ez personal loan (unsecured loan) from ERIE maintains a stable annual percentage rate of 6.49%, showing no change over the past 7, 15, or 30 days. This consistent rate represents the lowest unsecured borrowing option currently available from ERIE and may appeal to members seeking predictable costs for general personal expenses. Members considering flexible, straightforward financing without collateral could find this product suitable. Review your borrowing needs carefully and consider fixed-rate loans like this one if you prefer payment certainty. For more details, visit https://www.eriefcu.org/borrow/loans-credit/personal-loans#rates.
ABERDEEN PROVING GROUND FEDERAL CREDIT UNION
As of October 2, 2026, the ABERDEEN PROVING GROUND Personal Loan rate increased slightly to 6.59% APR, up by 0.10 percentage points (10 basis points) from both 7 and 15 days ago, and up 0.10 points compared to 30 days prior. This steady rise indicates a modest uptick in borrowing costs for members seeking unsecured personal loans. With the lowest available APR at 6.59%, these loans remain a competitive option for members aiming for straightforward financing needs. Members should carefully compare rates and consider fixed-rate loans if payment stability is a priority. For more details, visit https://www.apgfcu.com/rates/personal-loan-rates.html.
ALABAMA CREDIT UNION
As of October 2, 2026, ALABAMA credit union’s personal loan rates remain steady across all products with no changes in the past 30 days. The Lifestyle loan offers the lowest APR at 6.75%, ideal for members seeking affordable unsecured borrowing. The Personal property loan carries a fixed 9.75% APR, suitable for those financing assets with collateral. For flexible borrowing needs, the Line of credit, overdraft & installment loans maintain a consistent rate of 10.75% APR. Members should compare these options based on their borrowing purpose and consider fixed-rate loans for predictable payments. For more details, visit https://www.alabamacu.com/lending/personal-loans/consumer-loan-rates,
BAXTER CREDIT UNION
As of October 2, 2026, BAXTER’s personal loan rates show mixed trends. The Credit builder loan remains steady at 4.5% APR, the lowest rate available, ideal for members building credit. The Personal loan APR decreased by 0.5 percentage points (50 bps) over the past month to 6.99%, offering a more affordable fixed-rate borrowing option. The Unsecured home improvement loan also dropped to 6.49% APR, down 0.5 points in 30 days, while the Unsecured home improvement line of credit improved from 8.5% to 7.75% APR, reflecting better terms for flexible home projects. Meanwhile, the Personal line of credit rose slightly to 8.74% APR over one week.Members should compare fixed and variable products based on their borrowing needs and consider fixed-rate options for payment stability.For more details, visit https://www.bcu.org/legal/rates?ids=Loans%2cPersonalLoans
HAWAIIAN FINANCIAL FEDERAL CREDIT UNION
As of October 2, 2026, HAWAIIAN FINANCIAL maintains steady rates with no changes in the past 30 days. The Personal/consolidation loan offers the lowest APR at 6.99%, making it a cost-effective choice for members aiming to consolidate debt or secure affordable borrowing. Meanwhile, Signature loans rates remain fixed at 7.49%, suitable for members seeking straightforward, unsecured financing. Given rate stability, members should compare these fixed-rate products based on their specific financial goals and consider fixed terms for payment predictability. For more details, visit https://www.hificu.com/loans/loans/personal-loan.
CFCU COMMUNITY CREDIT UNION
As of October 2, 2026, CFCU COMMUNITY’s Personal Loan APR remains steady at 6.99%, showing no change over the past 7, 15, or 30 days. This consistent rate offers predictable borrowing costs for members seeking unsecured loans. With no fluctuations, this product is suitable for members who prioritize stable monthly payments and straightforward terms. Those considering personal financing should compare this fixed-rate option against their needs, especially if payment certainty is a priority.For more details, visit https://www.beginnings.com/other/rates#:~:text=Terms%20and%20Conditions.-,Personal%20Loan%20Rates,-APR%20Rate%20as
PATELCO CREDIT UNION
As of October 2, 2026, PATELCO’s Personal Loan APR remains steady at 6.99%, showing no change over the past 7, 15, or 30 days. This consistent rate offers members a reliable borrowing cost for unsecured loans. At 6.99% APR, this product represents the lowest available rate in today’s update, suitable for members seeking predictable fixed-rate financing for various needs. Members should review their borrowing goals and consider comparing loan terms to ensure alignment with their financial plans, especially if payment stability is a priority. For more details, visit https://www.patelco.org/credit-cards-and-loans/personal-loans/personal-loan.
LendMesh
Life can throw surprises your way—some good, some expensive. That’s where personal loans come in. At LendMesh, we help you find fair, flexible loan offers that match your real-world needs. Whether it’s medical bills, car repairs, or finally booking that dream vacation, we connect you with credit unions and banks that prioritize you—not just your credit score. Start comparing transparent personal loan options at https://www.lendmesh.com/loans/personal_loans and take control of your financial next step.
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Conclusion
Whether you’re consolidating high-interest debt, managing an emergency expense, or preparing for a big life event, now is an excellent time to explore your credit union’s personal loan offerings. Prioritize loans with the lowest APRs like Freedom’s 3.99% unsecured personal loans to minimize interest costs over time, a key factor in long-term savings. Also consider your loan purpose carefully; specialized products such as credit builder loans can enhance your financial profile while providing funds responsibly. Remember to review terms closely and confirm no hidden fees are involved. Keep in mind that even small changes in rates can affect monthly payments significantly, so staying informed weekly can help you lock in the best deal. Check back next week for updates, you might find new opportunities that align perfectly with your financial goals!