Rates

Knowing your rates before you save, borrow, or spend is the key to making sound financial decisions. Check out our rates below or stop into an SOCU branch today to learn more about all our products.


Loan Specials

Below are our current loan specials. Check back often to see what loan specials we have going on. Not a member? #joinsocu online today!

Want the lowest rate possible? Ask about additional rate reductions with direct deposit, or by redeeming ScoreCard points!

Special Term APR As Low As* Per $1,000 Borrowed
2022 & Newer Purchase Rate up to 60 months* 5.24% $30.53
2022 & Newer Purchase Rate 61-72 months* 5.74% $16.92
2022 & Newer Purchase RateĀ¹ 73-84 months* 7.99% $16.08
2022 & Newer Purchase RateĀ² 85-96 months* 8.99% $15.17




Apply Online Now


Vehicle Purchase Rates

To finance a vehicle with SOCU, apply online, stop into a branch or just go straight to your auto dealer and tell them you are financing with SOCU. All the same great rates are available through our Indirect Lending Partners to get you in the vehicle you love.

Up to 60 Months*

Year Base APR* APR As Low As* Per $1,000 Borrowed
2022 and Newer Purchase 6.24% 5.24% $30.53
2021 - 2020 Vehicle Purchase 6.74% 5.74% $30.76
2019 - 2018 Vehicle Purchase 7.24% 6.24% $30.99
2017 - 2014 Vehicle Purchase 7.74% 6.74% $31.22
2013 and Older Purchase 8.74% 7.74% $31.68


61-72 Months*

Year Base APR* APR As Low As* Per $1,000 Borrowed
2022 and Newer Purchase 6.74% 5.74% $16.92
2021 - 2020 Vehicle Purchase 7.24% 6.24% $24.17
2019 - 2018 Vehicle Purchase 7.74% 6.74% $24.64
2017 - 2014 Vehicle Purchase 8.24% 7.24% $25.12
2013 and Older Purchase 9.24% 8.24% $26.08


73-84 Months*

Year Base APR* APR As Low As* Per $1,000 Borrowed
2022 and Newer PurchaseĀ¹ 8.99% 7.99% $16.08


85-96 Months*

Year Base APR* APR As Low As* Per $1,000 Borrowed
2022 and Newer PurchaseĀ² 9.99% 8.99% $15.17

Apply Online Now

Vehicle Refinance Rates

To refinance a vehicle with SOCU, apply online or stop into a branch.

Up to 60 Months*

Year Base APR* APR As Low As* Per $1,000 Borrowed
2022 and Newer Refinance 6.49% 5.49% $30.64
2021 - 2020 Vehicle Refinance 6.99% 5.99% $30.87
2019 - 2018 Vehicle Refinance 7.49% 6.49% $31.10
2017 - 2014 Vehicle Refinance 7.99% 6.99% $31.33
2013 and Older Refinance 8.99% 7.99% $31.80


61-72 Months*

Year Base APR* APR As Low As* Per $1,000 Borrowed
2022 and Newer Refinance 6.99% 5.99% $17.04
2021 - 2020 Vehicle Refinance 7.49% 6.49% $17.29
2019 - 2018 Vehicle Refinance 7.99% 6.99% $17.53
2017 - 2014 Vehicle Refinance 8.49% 7.49% $17.77
2013 and Older Refinance 9.49% 8.49% $18.27


73-84 Months*

Year Base APR* APR As Low As* Per $1,000 Borrowed
2022 and Newer RefinanceĀ¹ 9.24% 8.24% $16.21


85-96 Months*

Year Base APR* APR As Low As* Per $1,000 Borrowed
2022 and Newer RefinanceĀ² 10.24% 9.24% $15.30

Apply Online Now

Motorcycle & Recreational Vehicle Purchase & Refinance Rates

Have your found your dream camper, dirt bike, ATV, jet ski, motorcycle or boat? We are the perfect place to get the loan you need.

Up to 60 Months*

Year Base APR* APR As Low As* Per $1,000 Borrowed
2021 and Newer 8.49% 7.49% $20.51
2020 and Older 9.49% 8.49% $21.00


61-84 months*

Year Base APR* APR As Low As* Per $1,000 Borrowed
2021 and Newer 8.99% 7.99% $16.08
2020 and Older 9.99% 8.99% $16.60


85-120 months*

Year Base APR* APR As Low As* Per $1,000 Borrowed
2021 and Newer 10.49% 9.49% $13.49
2020 and Older 11.49% 10.49% $14.05

Apply Online Now

Personal Loans

Need money for a vacation, home remodeling or some other reason? Unsecured Loans are personalized to fit your specific needs.

Unsecured Loan Amount up to $4,999.99*

Amount Term Base APR* Per $1,000 Borrowed
Up to $1,000.00 up to 12 months* 14.99% $90.25
$1000.01-$4,999.99 up to 24 months* 13.49% $48.01
$1000.01-$4,999.99 25-60 months* 14.99% $23.78


Unsecured Loan Amounts $5,000.00-$9,999.99*

Amount Term Base APR* Per $1,000 Borrowed
$5,000.00-$9,999.99 up to 24 months* 9.99% $46.14
$5,000.00-$9,999.99 25-36 months* 11.99% $33.21
$5,000.00-$9,999.99 37-60 months* 12.99% $22.75


Unsecured Loan Amounts over $10,000.00 up to 60 months*

Amount Term Base APR* Per $1,000 Borrowed
$10,000.00-$14,999.99 up to 60 months* 12.99% $22.75
$15,000.00-$24,999.99 up to 60 months* 13.99% $23.26
$25,000.00-$40,000.00 up to 60 months* 14.99% $23.78


Unsecured Loan amounts up to 72 months*

Amount Term Base APR* Per $1,000 Borrowed
$25,000.00-$40,000.00 61-72 months 15.99% $21.69


Single Pay Notes - Full payment due within 12 months*

Amount Term Base APR* Per $1,000 Borrowed
Up to $40,000.00 <12 month/One time pay 14.99% $1,012.49



Apply Online Now

Other Loans

Didn't find what you are looking for above? These loans might be what you need.

Checking Line of Credit*

Minimum Credit Score Required* Term Base APR* Per $1,000 Borrowed
Checking Line of Credit $500.00-$3,000.00 12.90% $50.00-$150.00


Full Share Pledge*

Term Base APR* Per $1,000 Borrowed
Full Share Pledge Up to 60 months* 5.99% $19.33
Full Share Pledge 61-120 months* 6.99% $11.61

Apply Online Now

First Mortgage Real Estate & Home Equity Rates

Ask a Loan Officer for Todayā€™s Rates. All rates subject to change without notice. All rates are quoted as low as rates. Your rate may differ from lowest quoted rate due to credit or collateral value.

Current Rates


Loan Disclosures

*APR is Annual Percentage Rate. All loans are subject to credit approval. The rate may vary based on credit, value and term. As Low As Rate includes discounts for Auto Withdrawal .50% APR and SOCU primary checking account .50% APR: Additional .50% APR discount may apply with ScoreCard point redemption of equal points to amount of loan financed. ā€œ90 Day No Payā€ is not eligible for the skip a payment program until 12 monthly payments have been made and interest will continue to accrue until a payment has been made. In some cases, based on the size of your balance, the interest which accrues may be greater than the amount of your next payment. It may take several months to begin to reduce your principle balance. Limited time offer. Federally insured by the NCUA. Rates effective 8/22/2023. NMLS #421974

Ā¹ Available on A, B, C credit tier only. Minimum loan amount $30,000.00. Maximum LTV 110%

Ā² Available on A, B, C credit tier only. Minimum loan amount $50,000.00. Maximum LTV 100%