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
2019 & Newer Vehicle Purchase Rate up to 72 months 4.99% $16.31
2018 - 2015 Purchase Promotion up to 72 months 5.99% $16.77
2014 & Older Purchase Promotion up to 72 months 6.99% $17.24




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Vehicle Purchase & Refinance 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.

2022 & Newer Vehicles

TermBase RateAPR As Low As*Per $1,000 Borrowed
Up to 36 Months5.99%4.99%$29.53
37 to 48 Months6.09%5.09%$23.00
49 to 60 Months6.29%5.29%$19.11
61 to 72 Months7.09%6.09%$16.82

2021 Vehicles

TermBase RateAPR As Low As*Per $1,000 Borrowed
Up to 36 Months6.24%5.24%$29.64
37 to 48 Months6.34%5.34%$23.11
49 to 60 Months6.54%5.54%$19.22
61 to 72 Months7.34%6.34%$16.93

2020 - 2019 Vehicles

TermBase RateAPR As Low As*Per $1,000 Borrowed
Up to 36 Months6.74%5.74%$29.85
37 to 48 Months6.84%5.84%$23.33
49 to 60 Months7.04%6.04%$19.45
61 to 72 Months7.84%6.84%$17.17

2018 - 2016 Vehicles

TermBase RateAPR As Low As*Per $1,000 Borrowed
Up to 36 Months6.94%5.94%$29.94
37 to 48 Months7.04%6.04%$23.42
49 to 60 Months7.24%6.24%$19.54
61 to 72 Months8.24%7.24%$17.36

2015 & Older Vehicles

TermBase RateAPR As Low As*Per $1,000 Borrowed
Up to 36 Months8.94%7.94%$30.81
37 to 48 Months9.04%8.04%$23.86
49 to 60 Months10.04%9.04%$20.84

2021 & Newer Vehicles Extended Term Rates

TermBase RateAPR As Low As*Per $1,000 Borrowed
73 to 84 Months8.24%7.24%$15.47
85 to 96 Months9.24%8.24%$14.57

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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.

2020 Or Newer Motorcycle & RVs

TermBase RateAPR As Low As*Per $1,000 Borrowed
Up to 60 Months7.49%6.49%$19.65
61 to 84 Months (minimum $25,000.00)7.99%6.99%$15.35
85 to 120 Months (minimum $50,000.00)8.99%7.99%$12.51

2019 and Older Motorcycle & RVs

TermBase RateAPR As Low As*Per $1,000 Borrowed
Up to 60 Months8.49%7.49%$20.11
61 to 84 Months (minimum $25,000.00)8.99%7.99%$15.84
85 to 120 Months (minimum $50,000.00)9.99%8.99%$13.05

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Personal Loans

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

Signature Loans

TermAPR As Low As*Per $1,000 Borrowed
24 Month Term - Minimum $5,000 - $9,999.998.99%$43.70
36 Month Term - Minimum $5,000 - $9,999.9910.99%$31.71
37 to 60 Month Term - Minimum $5,000 - $9,999.9911.99%$21.77
60 Month Term - Minimum $10,000 - $14,999.9912.49%$22.01
60 Month Term - Minimum $15,000 - $24,999.9912.99%$22.26
60 Month Term - Minimum $25,000 - $40,00013.99%$22.75
72 Month Term - Minimum $25,000 up to $40,00014.99%$20.72
Single Pay Note - Up to 12 Month Term - May only be rewritten once14.99%$1,150.31
Other Signature - Up to $1,000 - 12 Month Term16.99%$105.19
Other Signature - Up to $1,001 - $4,999.99 - Up to 24 Month Term15.49%$55.48
Other Signature - Up to $1,001 - $4,999.99 - 25 to 60 Months16.99%$24.52

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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 As*Per $1,000 Borrowed
Share Secured Up to 60 Months4.75%$18.42
Share Secured 61 to 120 Months5.75%$10.87
Checking Line of Credit12.90%

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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.


Loan Disclosures
APR is Annual Percentage Rate. The rate may vary based on credit, value and term. Terms may be based on value and credit. Available terms are stated. As Low As Rate for auto/RV loans includes discounts for Auto Withdrawal .50% APR and SOCU Visa credit card .50% APR: Additional .50% APR discount may apply with ScoreCard point redemption of equal points to amount of loan financed. All loans are subject to credit approval. In house vehicle, motorcycle and RV refinances add 1% APR to base rate. Monthly payments are based on base rate per $1,000.00 financed. Rates subject to change without notice. Rates effective 12/1/2022.