Apply online today and enjoy flexible terms, competitive rates, and no prepayment penalties.
Auto Loans
| Loan Type | Term | APR* as low as | Representative Example** |
|---|---|---|---|
| New, Used, Refinanced Automobile**** (Model 2023+) | Up to 66 Months | 6.09% | $20,000 loan for 60 months at 6.09% APR=$388.44/mo |
| 67-72 Months | 6.34% | $25,000 loan for 72 months at 6.34% APR = $420.55/mo. | |
| 73-84 Months | 6.84% | $30,000 loan for 84 months at 6.84% APR = $448.89/mo. | |
| Used, Refinanced Automobile**** (Model 2018 to 2022) | Up to 48 Months | 6.34% | $15,000 loan for 48 months at 6.34% APR = $354.80/mo. |
| Up to 49-66 Months | 6.59% | $18,000 loan for 60 months at 6.59% APR = $353.34/mo. | |
| Up to 67-72 Months | 7.09% | $20,000 loan for 72 months at 7.09% APR = $344.63/mo. | |
| Used, Refinanced Automobile**** (Models 2011 to 2017) | Up to 48 Months | 7.89% | $12,000 loan for 48 months at 7.89% APR = $292.44/mo. |
| 49-60 Months | 8.14% | $15,000 loan for 60 months at 8.14% APR = $304.41/mo. | |
| Recreational Vehicle (New or Used Model 2010+) | Up to 66 Months | 6.75% | $25,000 loan for 66 months at 6.75% APR = $444.68/mo. |
| 67-72 Months | 7.00% | $30,000 loan for 72 months at 7.00% APR = $512.31/mo. | |
| 73-84 Months | 7.25% | $35,000 loan for 84 months at 7.25% APR = $528.07/mo. | |
| 85-120 Months | 7.50% | $40,000 loan for 120 months at 7.50% APR = $475.95/mo. | |
| Boats, Personal Watercraft (Models 2015+) | Up to 66 Months | 6.75% | $20,000 loan for 66 months at 6.75% APR = $355.74/mo. |
| 67-72 Months | 7.25% | $25,000 loan for 72 months at 7.25% APR = $386.48/mo. | |
| Powersports, ATV, UTV, Camper, Trailer (2015+) | Up to 48 Months | 7.75% | $10,000 loan for 48 months at 7.75% APR = $244.48/mo. |
| 49-66 Months | 8.25% | $12,000 loan for 60 months at 8.25% APR = $244.64/mo. | |
| Motorcycle, Purchase or Refinance (Models 2015+) | Up to 48 Months | 7.00% | $8,000 loan for 48 months at 7.00% APR = $191.25/mo. |
| 49-66 Months | 7.50% | $10,000 loan for 60 months at 7.50% APR = $200.38/mo. | |
| 67-72 Months | 8.00% | $12,000 loan for 72 months at 8.00% APR = $188.05/mo. |
Personal Loans
| Loan Type | Term | APR* as low as | Representation Example** |
|---|---|---|---|
| Lifestyle Loan/Personal (No Collateral)** | 60 months ($500 - $999) | 12.40% | $1,000 loan for 60 months = $22.42/mo. |
| 60 months ($1,000 - $2,499) | 10.40% | $2,500 loan for 60 months = $53.62/mo. | |
| 60 months ($2,500 - $4,999) | 9.90% | $5,000 loan for 60 months = $106.12/mo. | |
| 60 months ($5,000 and up) | 9.90% | $7,500 loan for 60 months = $159.18/mo. | |
| Ready Reserve Line of Credit *** | 13.15% | Payment varies based on balance | |
| Share Secured | Up to 36 months | 4.00% | $3,000 loan for 36 months = $88.51/mo. |
| 37 to 60 months | 5.00% | $5,000 loan for 60 months = $94.36/mo. | |
| Credit Builder | 12 months | 12.00% | $1,000 loan for 12 months = $88.85/mo. |
| Fast Cash | 6 months ($500) | 12.00% | $1,000 loan for 12 months = $88.85/mo. |
| 12 months ($1,000) | 14.00% | $1,000 loan for 12 months = $88.85/mo. | |
| 18 months ($1,500) | 16.00% | $500 loan for 6 months at 12% = $86.14/mo. | |
| 24 months ($2,000) | 18.00% | $500 loan for 6 months at 12% = $86.14/mo. |
Mortgage Rates
Effective Date: Wednesday, August 23rd, 2023
Fixed and adjustable rates are available for home buying and refinancing. Rates subject to credit granting criteria.
For mortgage inquiries, please contact the Mortgage Department at (270) 796-8500 or (800) 759-8500, extension 2023.
Fixed-rate and adjustable-rate mortgages available
VA, FHA, and “Welcome Home” programs offered
Down payment and PMI requirements vary by program
| Account Type | Description | Term | Rate as low as | APR* as low as |
|---|---|---|---|---|
| Fixed Rate Conventional | Fixed rate mortgage, minimum 5% down payment | 1 Year | Please call for rate | Please call for rate |
| 15 Year | Please call for rate | Please call for rate | ||
| 20 Year | Please call for rate | Please call for rate | ||
| 30 Year | Please call for rate | Please call for rate | ||
| VA | Program offering fixed funds through VA with no required down payment and no monthly PMI | 15 Year | Please call for rate | Please call for rate |
| 30 Year | Please call for rate | Please call for rate | ||
| FHA | Program offering fixed funds with a minimum down payment of 3.5% | 15 Year | Please call for rate | Please call for rate |
| 30 Year | Please call for rate | Please call for rate | ||
| Welcome Home Mortgage | Up to 100% LTV, No PMI | 3/3 ARM | Please call for rate | Please call for rate |
| 5/5 ARM | Please call for rate | Please call for rate | ||
| ARMs | Adjustable rate mortgage, minimum 5% down payment, no PMI | 3/3 ARM | Please call for rate | Please call for rate |
| 5/5 ARM | Please call for rate | Please call for rate | ||
| 10/10 ARM | Please call for rate | Please call for rate |
Home Equity Loans & Lines
Put the available equity in your home to use for home improvements, a new car, or college tuition. Rates are subject to credit granting criteria.
For Home Equity inquiries, please call (270) 796-8500, toll-free (800) 759-8500, or stop by one of our seven branches.
| Product | Term/Name | APR* as low as | Representative Example** |
|---|---|---|---|
| Fixed Rate Home Equity (Closed-End) | 5 Year | 7.00% | $25,000 loan for 60 months = $495.03/mo. |
| 7 Year | 7.25% | $30,000 loan for 84 months = $457.56/mo. | |
| 10 Year | 7.50% | $40,000 loan for 120 months = $475.95/mo. | |
| *****10 and Done | 10 Year | 7.50% | $40,000 loan for 120 months = $475.95/mo. |
| 15 Year | 7.75% | $50,000 loan for 180 months = $471.64/mo. | |
| Home Equity Line of Credit - HELOC (Variable Rate) | N/A | 7.50% | Payment varies based on balance |
Credit Card rates
| Product | APR* as low as | Notes |
|---|---|---|
| VISA® Platinum Credit Card | 12.50% | Variable APR based on creditworthiness | VISA® Signature Credit Card | 15.50% | Variable APR based on creditworthiness |
*APR = Annual Percentage Rate. “As low as” rates are based on credit qualifications and subject to change without notice.
**Representative Examples are based on lowest advertised APR for each loan type and assume excellent credit. Your actual rate and payment may be different.
Automobile Loans: Up to 125% MSRP for new vehicles and 115% of JD Power Clean Retail for used. 73–84 month terms available on new vehicles with at least $15,000 financed. Rebuilt/salvage titles limited to 75% of JD Power value and max 60-month term.
Ready Reserve Line of Credit: Variable rate, payment varies with balance.
Home Equity “10 and Done”: 10-year fixed-rate, 1st lien on primary residence, up to 75% LTV.
Membership eligibility required.
Optional protection products (GAP, Mechanical Repair Coverage) are available but not required for credit approval.
Discounts: Vehicle loans may qualify for 0.25% rate discount with autopay from a SOCU deposit account and 0.25% with Choice Plus Checking.
Federally Insured by NCUA | Equal Housing Opportunity | NMLS # 411224 | Equal Opportunity Lender
*APR = Annual Percentage Rate. Rates posted are for reference only and subject to change without notice. Membership eligibility applies. Rates subject to creditworthiness and other terms and conditions.
** – Personal (No Collateral) – Assumes a $5,000 loan amount.
*** – Ready Reserve Line of Credit is a Variable Rate.
***** – Automobile Loans – Up to 125% MSRP for new and 115% JD Powers Clean Retail for Used. 73-84 month term available for new vehicles with an amount financed $15,000 and higher. Rebuilt or salvage title limited to 75% of the JD Powers Clean Retail Value and 60-month term.
***** – 10 and Done - 10-year fixed-rate home equity loans are for 1st lien loans secured on primary residence up to 75% LTV.
Vehicle loans are eligible for 0.25% discount for auto pay from a SOCU deposit account and an additional 0.25% for having or opening a Choice Plus Checking.
Recreational Vehicle, Boat/Personal Watercraft, Motorcycle, Powersports, and Lifestyle Loans are eligible for 0.25% rate discount with Choice Plus Checking.
Mortgage Rates: Your actual rate may be different, as many factors go into providing you with a mortgage loan such as the amount of the down payment, how much equity you have or whether you are purchasing, refinancing just the existing debt or refinancing & adding to the loan amount. The quotes above are based on a specific loan amount for the purchase or refinance of a single-family primary residence. (Purchase based on a loan amount of $112,500 with a 25% down payment and a refinance of $112,500 both with a value of $150,000.) The above scenarios do not include cash-out refinances and there may be credit score adjustments based on an applicant’s credit history.
Product offers, rates, terms, and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our website which may be beyond our control, Service One Credit Union cannot guarantee the completeness or accuracy of the information provided herein. To verify current offers and rates, please call any Service One Credit Union location.
Contact us for complete details by calling (270)796-8500 or (800) 759-8500.
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