Personal loans remain popular and continue to be one of the most flexible financing tools. In 2025, credit unions still stand out with competitive rates. Unlike banks, credit unions operate on the principle of member ownership and often return profits in the form of lower interest rates.
Which credit union has the lowest loan rates?
Rates often depend on the state and membership conditions, but the top credit unions in the USA frequently set rates 1–2 percentage points lower than banks. Members with good credit histories can get fixed-rate loans with transparent terms and no additional fees.
One of the best examples is Secure First Credit Union, which offers low-interest credit union loans with competitive APRs. This allows members to consolidate debt, cover medical expenses, or finance major purchases without incurring excessive interest charges.
The advantage of this financing option: lower monthly payments, more flexible repayment terms, and a personalized approach.
But when comparing options, pay attention not only to the APR, but also to membership benefits such as free online banking, financial counseling, and lower fees on related products.