| Consumer Loans | ||
| Loan Type | Term | APR* as low as |
| Lifestyle Loan/Personal (No Collateral)** | 60 months | |
| $500-$999 | 12.40% | |
| $1,000-$2,499 | 10.40% | |
| $2,500-$4,999 | 9.90% | |
| $5,000 and up | 9.90% | |
| Ready Reserve Line of Credit *** | N/A | 12.65% |
| Share Secured | Up to 36 months | 3.00% |
| 37 to 66 months | 4.00% | |
| VISA® Platinum Credit Card | N/A | 12.75% |
| Credit Builder | 12 Months | 12.00% |
| Payday Alternative Loan | 6 Months | |
| $500 | 12.00% | |
| 12 Months | ||
| $1,000 | 14.00% | |
| 18 Months | ||
| $1,500 | 16.00% | |
| 24 Months | ||
| $2,000 | 18.00% | |
| Auto Loans | ||
| Loan Type | Term | APR* as low as |
| New, Used, Refinanced Automobile**** Model 2021 to 2023 |
Up to 66 Months | 6.09% |
| 67-72 Months | 6.34% | |
| 73-84 Months | 6.84% | |
| Used, Refinanced Automobile**** Model 2016 to 2020 |
Up to 48 Months | 6.34% |
| 49-66 Months | 6.59% | |
| 67-72 Months | 7.09% | |
| Used, Refinanced Automobile**** Models 2009 to 2015 |
Up to 48 Months | 7.89% |
| 49-60 Months | 8.14% | |
| Recreational Vehicle | Up to 66 Months | 6.75% |
| 67-72 Months | 7.00% | |
| 73-84 Months | 7.25% | |
| 85-120 Months | 7.50% | |
| Boats, Personal Watercraft, Models 2012+ | Up to 66 Months | 6.75% |
| 67-72 Months | 7.25% | |
| Powersports, ATV, UTV, Camper, Trailer, 2013 - 2023 | Up to 48 Months | 7.75% |
| 49-66 Months | 8.25% | |
| Motorcycle, Purchase or Refinance, Models 2013-2023 | Up to 48 Months | 7.00% |
| 49-66 Months | 7.50% | |
| 67-72 Months | 8.00% | |
| Mortgage Rates | ||||
| Effective Date: Tuesday, May 30th, 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. | ||||
| Product | Description | Term | Rate as low as | APR* as low as |
| Fixed Rate Conventional | Fixed rate mortgage, minimum 5% down payment | 10 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 | ||
| USDA Rural Development | Available to those whose property and income meet USDA eligibility, no down payment required | 30 Year | Currently Unavailable | Currently Unavailable |
| 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 3% 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 Rates | ||
| 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 |
| Fixed Rate Home Equity (Closed-End) | 5 Year | 6.50% |
| 7 Year | 6.75% | |
| 10 Year | 7.00% | |
| *****10 and Done | 10 Year | 6.75% |
| 15 Year | 7.25% | |
| Home Equity Line of Credit - HELOC (Open-End, Variable Rate) | 7.75% | |
*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.
Go to main navigation