Service One Credit Union loan rates
 Effective Date: February 25, 2013
  
 
Loan Type Approximate Term Daily Periodic Rate Annual Percentage Rate
1. Personal   0.024384% to 0.065479% 8.90% to 23.90%
2. Revolving Credit   0.041096% 15.00%
3. New, Used or Refinanced Vehicle 24-72 months 0.005205% to 0.046301% 1.90% to 16.90%
4. Other Secured 36 months 0.018904% to 0.065479% 6.90% to 23.90%
5. Regular Share Secured   0.006849% 2.50%
 
 Service One Credit Union wants the opportunity to match competitor's rates on auto loans.
 
Credit Cards
 

Our credit card offers competitive interest rates that may be substantially lower than banks or department store credit cards you carry. You can even arrange automatic monthly payments directly from your SOCU share draft "checking" or share "savings" account. Apply on-line now.

Platinum Credit Card
Variable Annual Percentage Rate as low as 8.25%. The initial rate is based on your credit score and will be subject to change annually. Click here to view the credit card disclosure.
No Annual Fee
$1,000,000 Travel Accident Insurance Coverage
Auto Rental Insurance
Warranty Manager Service
24/7 Member Service and Lost/Stolen Reporting
Year-End Annual Activity Summary

The Visa ® Platinum Credit Card will automatically be enrolled in our CURewards program. You will receive points whenever you use your card for purchases, and bonus points earned will be shown on your statement. Log on to www.CURewards.com to see items available for redemption and the point values needed to purchase them.

Transfer and Save
Simply transfer balances from your other cards to an SOCU card. Our low rates may lower your    monthly payment. To transfer Apply Online
For Credit Card Assistance, contact Adam Marcum at:
Phone: (270) 796-8500, 800-759-8500, ext 2031
Mortgages
 Effective Date: September 28, 2012
 **Rates subject to credit granting criteria.
 For mortgage inquiries or fixed rate programs please contact Ken Vogler, (270) 796-8500 or (800) 759-8500, ext. 2027.
 
 
  H.O.M.E. Program (Home Ownership Made Easy) up to 100% Financing
 

15 Year Term 3-Year ARM* 4.125% (No PMI)

30 Year Term 3-Year ARM* 4.875% (No PMI)

 
 F.A.S.T. Mortgage Progam
 

Fixed rate terms 5 through 10 years
Rates from 2.99% to 4.00%
$395 Closing Costs (excludes appraisal if needed)
 
 Promotional Adjustable Rate Mortgage
 

Initial fixed rate periods of 5, 7 and 10 years
Adjustable Annual Percentage Rates ranging from 3.00% to 4.80%.
$999 Closing Costs! (some exclusions)
Call for more details!

 
 
 Adjustable Rate Mortgage
 
Credit Score 15-Year Term 20-Year Term 30-Year Term
A+ 730 & Above 2.875% 3.125% 3.625%
A 700-729 3.125% 3.375% 3.875%
B 660-699 3.625% 3.875% 4.375%
C 620-659 4.125% 4.375% 4.875%
D 580-619 4.375% 4.875% 5.625%
E 579 & Below 4.625% 5.625% 6.625%
  *Adjustable Rate Mortgage. A mortgage in which the interest rate is adjusted periodically based on a preselected index.
 

Products offers, rates, terms and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our web site which may be beyond our control, Service One Credit Union cannot guarantee the completeness or accuracy of the information provided herein. The information provided to you on our calculators is estimated and provided solely for your interactive enjoyment. The results are not guaranteed to be accurate. To verify current offers and rates, please call our Lending Specialists at (270) 796-8500 or (800) 759-8500.
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