Hit the trails with a personal loan today.

Special Offer 100% Guaranteed

Check out our latest promotions going on at a branch near you. Stay up to date on all the events and news happening at SOCU.

Follow Us

Join us online and get social! Keep up to date on what is going on at SOCU. Be reminded of closings, promotions and community events.

"1.99% is back"
Facebook Thumbs Up

Like Us on Facebook

"Tweet, tweet"
Twitter Bird

Follow Us on Twitter

"Join the Team"
LinkedIn Logo

Join Us on LinkedIn

"What does the turkey say?"

Watch Us on Youtube

"Listen Up"

Listen on SoundCloud

Giving Back

Giving to community, families and members is what we do! We live by our motto: Passionate service to members, community and each other to create a unique experience of People Helping People.


Salvation Army


Make A Wish


Streator High


Streator United Way


Streator Youth Football


#SpreadTheLove Promos


Pink Heals


Yearly Scholarships

Above are some of our recent donations to charities and members.

Light Bulb

Unconventional and Unpretentious

"We're not the tie-wearing, loan-denying type here."

CHANCES ARE pretty good that if the maintenance man at the Streator (Ill.) Onized Credit Union didn’t show up for work, CEO Kathy Lucas would be mowing the lawn.

“A couple of months ago, I did a stint as a teller at our high school’s onsite credit union,” says Lucas.

Starting her service at the north-central Illinois credit union as a teller three decades ago taught Lucas to pitch in where needed. She clearly embraces the Credit Union Rock Star honor—but notes she’s not a solo act.

“I’ve been with the band here for 30 years, the last nine as lead singer,” Lucas says. “We love to create new music every day.”

Lucas has led the credit union to remarkable growth, with an emphasis on member services and professional development. When she took over as CEO, the credit union had 12,000 members and $88 million in assets. Today, those numbers have swelled to 26,000 members and more than $200 million in assets.

“We don’t just want your car loan. We want all of your business, and we’re happy to prove it,” she says. “We believe in the VIP treatment for all of our members. I don’t care if you barely have enough money to start an account. We think those people are a gold mine.”

“We’re not the tie-wearing, loan-denying type here,” Lucas says.

Lucas is a big believer in the value of professional development. In what she hopes will be an ongoing effort, she recently sent several supervisors on a road trip to four credit unions in Michigan to swap best practices.

“We love to motivate employees,” Lucas says.

Our rates will take you places.

Being a member of a credit union means lower loan rates and higher savings rates for you, the member. Check out our latest rates below and apply for a loan online with SOCU.

Car Icon

As Low As


APR on New Vehicles

Person Icon

As Low As


APR on Personal Loans

Home Icon

As Low As


APR on Home Equity Loans

Calendar Icon

As High As


APR on Certificates

Shopping Cart Icon

As Low As


APR on Credit Cards

Check out our full list of loan offerings and rates today!