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P.O. Box 51770 | Bowling Green, KY 42102-6770 | (800) 759-8500 | ABA Routing Number: 283978357

Loan Rates


Consumer Loans

Loan Type Approximate Term APR*
as low as
Personal 36 months or less 8.90%
37-66 months 10.90%
Ready Reserve ** 8.15%
New, Used or Refinanced Vehicle 36 months or less 1.90%
37-66 months 2.90%
67-72 months 4.90%
Other Secured 36 months or less 6.90%
37-66 months 9.90%
67-72 months 12.90%
Regular Savings Account Secured 2.50%

Interested in one of our Consumer Loans?

Apply through your computer or mobile device.
Online Loan ApplicationApply Now!Mobile Loan Application

To view Mortgage Loan rates, click here.

To view Home Equity Loan rates, click here.


Mortgage Rates

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 2027.  Rates effective 05/24/2017.

Product Description Term Rate
as low as
APR*
as low as
Fixed Rate Conventional Fixed rate mortgage, minimum 5% down payment 10 Year 3.250% 3.389%
15 Year 3.375% 3.470%
20 Year 3.875% 3.951%
30 Year 4.125% 4.180%
VA Program offering fixed funds through VA with no required down payment and no monthly PMI 15 Year 3.625% 3.832%
30 Year 3.875% 3.993%
FHA Program offering fixed funds with a minimum down payment of 3.5% 15 Year 3.250% 4.017%
30 Year 3.750% 4.496%
USDA Rural Development Available to those whose property and income meet USDA eligibility, no down payment required 30 Year 3.750% 4.420%
Welcome Home Mortgage Up to 100% LTV, No PMI 1/1 ARM 4.000% 4.067%
3/3 ARM 4.250% 4.318%
5/5 ARM 4.625% 4.694%
ARMs Adjustable rate mortgage, minimum 3% down payment, no PMI 1/1 ARM 3.000% 3.063%
3/1 ARM 3.250% 3.314%
5/1 ARM 3.625% 3.691%
7/1 ARM 4.125% 4.192%

Ready to Apply for a Home Loan?

Low closing costs, great rates, fast and friendly service – you can’t go wrong!

Apply online with Service One’s streamlined application process.

To view Consumer Loan rates, click here.
To view Home Equity Loan rates, click here.


Home Equity Rates

Put the available equity in your home to use for home improvements, a new car, or college tuition.
Rates 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 4 branches.

Product Term/Name of Loan APR*
as low as
Fixed Rate Home Equity
(Closed-End)
5 Year 3.50%
10 Year 4.25%
15 Year 5.00%
Home Equity Line of Credit
(Open-End, Variable Rate)
Dream Big HELOC 4.00%

Ready to Apply for a Home Loan?

Low closing costs, great rates, fast and friendly service – you can’t go wrong!

Apply online with Service One’s streamlined application process.

To view Consumer Loan rates, click here.
To view Mortgage Loan rates, click here.


* – APR = Annual Percentage Rate. Rates posted are indications only and are subject to change without notice. Membership eligibility applies. Rates subject to credit worthiness and term of loan. Contact us for more details at (270) 796-8500 or (800) 759-8500.
Consumer Loan Rates: Consumer Loan Payment Example: at 6.9% APR, 36 monthly payments of $30.84 for each $1,000 borrowed. Rates are based on credit granting criteria and terms of the loan. Additional restrictions may apply.
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 your 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. To verify current offers and rates, please call the Mortgage Department at (270) 796-8500 or (800) 759-8500.

** – Variable Rate. Please call (270)796-8500 or (800)759-8500 for complete details. Dream Big HELOC Promotional Terms: APR = Annual Percentage Rate. Introductory APR of 1.90% in effect the first 9 months after account opening then a variable rate as low as 4.00% APR. After the introductory period, APR will vary based on the U.S. Prime Rate published in the Wall Street Journal on the 10th day prior to any rate change date plus a margin. Margins can vary and are subject to credit score and other factors. As of March 16, 2017, Prime was 4.00%. APR will never be lower than 4.00% or higher than 18.00%. The credit union will pay closing costs other than the cost of a full appraisal, if required for loan approval. Typical closing costs range from $190-$650. Property insurance is required and flood insurance, if applicable. Collateral must be your primary residence and cannot be classified as a manufactured or mobile home. Term consists of a 10-year draw period, with the qualifying option of interest only payments, and a 15-year Repayment period. Repayment period is a variable rate with monthly minimum payments including principal and interest. Rates and APRs are subject to change without notice. Consult your tax advisor regarding deductibility of interest. Subject to credit approval and membership eligibility.