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 |
| 2021 & Newer Purchase Rate |
up to 36 months* |
5.24% |
$30.53 |
| 2021 & Newer Purchase Rate |
37-48 months* |
5.49% |
$23.71 |
| 2021 & Newer Purchase Rate |
49-60 months* |
5.74% |
$19.68 |
| 2021 & Newer Purchase Rate |
61-72 months* |
5.99% |
$17.04 |
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 36 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2021 and Newer Purchase |
6.24% |
5.24% |
$30.53 |
| 2020 - 2019 Vehicle Purchase |
7.24% |
6.24% |
$30.99 |
| 2018 - 2017 Vehicle Purchase |
8.24% |
7.24% |
$31.45 |
| 2016 - 2013 Vehicle Purchase |
9.24% |
8.24% |
$31.91 |
| 2012 and Older Purchase |
11.24% |
10.24% |
$32.85 |
37-48 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2021 and Newer Purchase |
6.49% |
5.49% |
$23.71 |
| 2020 - 2019 Vehicle Purchase |
7.49% |
6.49% |
$24.17 |
| 2018 - 2017 Vehicle Purchase |
8.49% |
7.49% |
$24.64 |
| 2016 - 2013 Vehicle Purchase |
9.49% |
8.49% |
$25.12 |
| 2012 and Older Purchase |
11.49% |
10.49% |
$26.08 |
49-60 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2021 and Newer Purchase |
6.74% |
5.74% |
$19.68 |
| 2020 - 2019 Vehicle Purchase |
7.74% |
6.74% |
$20.15 |
| 2018 - 2017 Vehicle Purchase |
8.74% |
7.74% |
$20.63 |
| 2016 - 2013 Vehicle Purchase |
9.74% |
8.74% |
$21.12 |
| 2012 and Older Purchase |
11.74% |
10.74% |
$22.11 |
61-72 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2021 and Newer Purchase |
6.99% |
5.99% |
$17.04 |
| 2020 - 2019 Vehicle Purchase |
7.99% |
6.99% |
$17.53 |
| 2018 - 2017 Vehicle Purchase |
8.99% |
7.99% |
$18.02 |
| 2016 - 2013 Vehicle Purchase |
9.99% |
8.99% |
$18.52 |
| 2012 and Older Purchase |
11.99% |
10.99% |
$19.54 |
73-84 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2021 and Newer Purchase |
8.99% |
7.99% |
$16.08 |
85-96 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2021 and Newer Purchase |
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 36 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2021 and Newer Refinance |
6.49% |
5.49% |
$30.64 |
| 2020 - 2019 Vehicle Refinance |
7.49% |
6.49% |
$31.10 |
| 2018 - 2017 Vehicle Refinance |
8.49% |
7.49% |
$31.56 |
| 2016 - 2013 Vehicle Refinance |
9.49% |
8.49% |
$32.03 |
| 2012 and Older Refinance |
11.49% |
10.49% |
$32.97 |
37-48 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2021 and Newer Refinance |
6.74% |
5.74% |
$23.83 |
| 2020 - 2019 Vehicle Refinance |
7.74% |
6.74% |
$24.29 |
| 2018 - 2017 Vehicle Refinance |
8.74% |
7.74% |
$24.76 |
| 2016 - 2013 Vehicle Refinance |
9.74% |
8.74% |
$25.24 |
| 2012 and Older Refinance |
11.74% |
10.74% |
$26.21 |
49-60 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2021 and Newer Refinance |
6.99% |
5.99% |
$19.80 |
| 2020 - 2019 Vehicle Refinance |
7.99% |
6.99% |
$20.27 |
| 2018 - 2017 Vehicle Refinance |
8.99% |
7.99% |
$20.75 |
| 2016 - 2013 Vehicle Refinance |
9.99% |
8.99% |
$21.24 |
| 2012 and Older Refinance |
11.99% |
10.99% |
$22.24 |
61-72 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2021 and Newer Refinance |
7.24% |
6.24% |
$17.16 |
| 2020 - 2019 Vehicle Refinance |
8.24% |
7.24% |
$17.65 |
| 2018 - 2017 Vehicle Refinance |
9.24% |
8.24% |
$18.14 |
| 2016 - 2013 Vehicle Refinance |
10.24% |
9.24% |
$18.65 |
| 2012 and Older Refinance |
12.24% |
11.24% |
$19.68 |
73-84 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2021 and Newer Refinance |
9.24% |
8.24% |
$16.21 |
85-96 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2021 and Newer Refinance |
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 |
| 2020 and Newer |
8.49% |
7.49% |
$20.63 |
| 2019 and Older |
9.49% |
8.49% |
$21.12 |
61-84 months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2020 and Newer |
8.99% |
7.99% |
$16.21 |
| 2019 and Older |
9.99% |
8.99% |
$16.73 |
85-120 months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2020 and Newer |
10.49% |
9.49% |
$13.63 |
| 2019 and Older |
11.49% |
10.49% |
$14.20 |
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% |
$18.87 |
| Full Share Pledge |
61-120 months* |
6.99% |
$11.10 |
Apply Online Now
First Mortgage Real Estate & Home Equity Rates
Ask a Loan Officer for Today’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 rates are subject to change without notice. All loans are subject to credit approval. The rate may vary based on credit, value, and term. As low as rates includes eligible promotional discounts totaling up to 1.00% APR off of the base rate. An additional .50% discount may apply with SOCU ScoreCard point redemption of equal points to the amount of the loan. In-house refinances on vehicle, motorcycle, and RV loans may add 1% APR to the base rate. Monthly payments are based on base APR rate per $1,000.00 at the maximum term. Federally Insured by the NCUA. Equal Housing Lender. Rates effective 2/21/2023. NMLS #421974
