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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.

Quick Links


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 Credit¹
• 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 90%
• Adequate homeowner’s insurance coverage is required
• Rates subject to change quarterly the first of January, April, July, and October

Apply Online Now!


Home Equity Fixed Rate Second Mortgage
• Fixed Rate Mortgage
• Fully Amortized up to 180 months
• Maximum Total Loan to Value is 90%
• 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


¹All loans subject to credit approval. Minimum loan amount is $5,000.00 with a minimum initial advance of $500.00. Qualified borrowers may borrow up to 90% of the appraised value of the home, less any outstanding liens. If the Credit Union paid bona-fide third party fees on the Borrower’s behalf, and the Borrower closes the line within 24 months from its opening, the Borrower agrees to reimburse the credit union for the amount of those bona-fide third party fees paid on their behalf, as permitted by applicable law. Costs Range from $350.00 to $1500.00 depending on the property type, the amount of credit extended, and includes applicable state and local mortgage taxes. 120-month Draw Period, 120-month Payback Period.

*Rates, fees, terms, and programs are subject to change without notice. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet loan to value requirements, and final credit approval. Approvals are subject to underwriting and program guidelines and are subject to change without notice. Please consult your tax advisor regarding any tax implications.

*Federally insured by the NCUA. NMLS #421974.