Loan Products

Employees at our Owens Branch
Employees at our Owens Branch
Streator Onized Credit Union strives to offer competitive loan rates and member satisfaction. We are here to help you get the lowest monthly payment with the best rate possible.

SOCU is available 24 hours a day, 7 days a week. If you need to apply for a loan late at night or on Sunday morning, just apply online, complete a loan application and submit the information. A friendly Loan Officer will contact you with a loan decision.

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Fresh Start Loans

  • No Credit Report Required
  • Up to $1,500
  • A Fresh Start for you!

Vehicle Loans

  • Up to 125% financing on vehicle loans
  • Competitive Loan Rates
  • Up to 96-month financing
  • Abundance of Collateral – May allow you to deduct interest paid on your tax return!
  • Payment Protection – Credit Life & Disability
  • GAP – Helps cover Deficient Amount Owed if Vehicle is a Total Loss
  • Extended Warranty Options

Auto Financing

View our current loan rates now

Apply Online Now!


Mortgage Loans

  • Low Fixed Rates
  • 15, 20 & 30 Year Terms

Learn more about our mortgages

Apply Online Now!


Home Equity Loan Options
Streator Onized Credit Union offers various types of Home Equity Loans.
By using the equity in your home, you may qualify for a sizable amount of credit at a low-interest rate.
Furthermore, under the tax law – depending on your specific situation – you may be allowed to deduct the interest because the debt is secured by your home. Consult a tax advisor for further information.

Learn more about our home equity options

Apply Online Now!


Home Equity Line of Credit

  • Minimum Loan Amount $5000
  • Minimum Initial Advance $500
  • 120-Month Draw Period, 120-Month Payback Period
  • Monthly payment based on 1.5% of the principal balance outstanding on the last day of each month
  • Maximum Total Loan to Value is 85%
  • Adequate homeowner’s insurance coverage is required

Apply Online Now!


Home Equity Fixed Rate

  • Fixed Rate Mortgage
  • Fully Amortized up to 120 months
  • Maximum Total Loan to Value is 85%
  • Adequate homeowner’s insurance coverage is required

Apply Online Now!


RV/Boat Loans

  • Up to 100% financing
  • Extended loan terms – Up to 120 months
  • Great, Competitive Rates

View our RV & Boat loan rates

Apply Online Now!


Other Loan Types
Signature/Unsecured Loans
Motorcycle, Jet Ski, Snowmobile Loans
Mobile Home Loans
Full Share Pledge Loans


Contact the Credit Union for Terms and Rates
All Loans are subject to Credit Committee Approval