Rates

Our current loan rates are below, for savings, certificates and money market rates visit their pages. Mortgage information can be found on our home loan pages. VISA Platinum Perks and Edge rates and information can be found under plastics.

Loan Specials

Below are our current loan specials. Check back often to see what loan specials we have going on.

Special Terms Per $1,000 Borrowed
Fresh Start Loan Direct Deposit = $500 Loan 24.49% APR $91.00

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Vehicles

To finance a vehicle with SOCU, apply online, stop into a branch or just go straight to your dealer and let them do the work. Loan applications will be sent to SOCU and our Indirect Lending Department will take over and get you in the car you love.

Rates are 1% higher for refinancing existing SOCU loan. Ask about additional rate reductions with a SOCU VISA or by redeeming ScoreCard points!

2015 & Newer Vehicle Purchases

TermAPR As Low AsPer $1,000 Borrowed
Up to 60 Months2.54%$17.77
Up to 72 Months3.54%$15.44

2013 – 2014 Vehicle Purchases

TermAPR As Low AsPer $1,000 Borrowed
Up to 60 Months2.99%$17.97
Up to 72 Months3.99%$15.65

2009 – 2012 Vehicle Purchases

TermAPR As Low AsPer $1,000 Borrowed
Up to 60 Months3.54%$18.22
Up to 72 Months4.54%$15.90

2008 & Older Vehicle Purchases

TermAPR As Low AsPer $1,000 Borrowed
Up to 48 Months5.54%$23.28
Up to 60 Months6.54%$19.59

2014 & Newer Vehicles Extended Term Rates

TermAPR As Low AsPer $1,000 Borrowed
Up to 78 Months4.54%$14.83
Up to 84 Months6.54%$14.87
Up to 96 Months8.54%$14.42
Up to 108 Months10.54%$14.48

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Motorcycle & Recreation Vehicles

Do summer right this year with a new or used camper, dirt bike, ATV, jet ski, motorcycle or boat! We are the perfect place to get the loan you need.

2014 Or Newer Motorcycle & RV Purchases

TermAPR As Low AsPer $1,000 Borrowed
0 - 60 Months5.99%$19.33
61 - 120 Months7.99%$12.13

2013 and Older Motorcycle & RV Purchases

TermAPR As Low AsPer $1,000 Borrowed
0 - 60 Months7.99%$20.28
61 - 120 months9.99%$13.33

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Home Equity Loans

Fixed rates, variable rates and lines of credits. Use the equity in your home to get funds for lives expenses.

Home Equity & Lines of Credit

TermAPR As Low AsPer $1,000 Borrowed
Up To 60 Months – Fixed Rate - 80% LTV – SPECIAL RATE4.44%$18.62
61 – 120 Months – Fixed Rate - 80% LTV – SPECIAL RATE5.55%$10.88
Home Equity Line Of Credit - 80% LTVPrime Rate – 0.10%
Home Equity Line of CreditAsk a Loan Officer for Today's Rates

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Personal Loans

Need money for a vacation, home remodeling or some other reason? It is usually cheaper to open a signature loan instead of putting debt on a credit card.

Signature Loans

TermAPR As Low AsPer $1,000 Borrowed
Up to 24 Month Term - Minimum $5,0007.99%$45.22
Up to 36 Month Term - Minimum $5,0008.99%$31.80
37 - 60 Month Term - Minimum $5,000 - $14,999.999.99%$21.25
Up to 60 Month Term - Minimum $15,000 - $20,00010.99%$21.74
Single Pay Note - Up to 12 Month Term - May only be rewritten once12.99%$1,010.68
Other Signature - Up to $1,000 - 12 Month Term15.49%$90.47
Other Signature - Up to $1,001 - $4,999.00 - Up to 24 Month Term13.99%$48.00
Other Signature - Up to $1,001 - $4,999.00 - 25 - 60 Months15.49%$24.05

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Other Loans

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

Misc Loans

TermAPR As Low AsPer $1,000 Borrowed
Share Secured Up to 60 Months3.50%$18.20
Share Secured 61 - 120 Months5.50%$10.86
Checking Line of Credit12.90%
Mobile Homes Up to 120 Months11.99%$14.35

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Loan Disclosures
Add .25% if cash pay or if member does not have an open and active SOCU Visa credit card.
APR is Annual Percentage Rate. All loans are subject to credit approval. All rates are subject to change without notice. The rate may vary based on credit, value and term. Monthly payment amounts are based on per $1,000.00 financed. Specials may not be combined with other offers. Federally insured by the NCUA.
First Mortgage Real Estate
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.