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 |
| 2023 & Newer Purchase Rate |
up to 48 months* |
4.99% |
$30.42 |
| 2023 & Newer Purchase Rate |
49-60 months* |
5.99% |
$30.87 |
| 2023 & Newer Purchase Rate |
61-72 months* |
6.39% |
$17.24 |
| 2024 & Newer Purchase Rate¹ |
73-84 months* |
8.64% |
$16.42 |
| 2024 & Newer Purchase Rate² |
85-96 months* |
9.64% |
$15.51 |
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 48 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2023 and Newer Purchase |
5.99% |
4.99% |
$30.42 |
49-60 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2023 and Newer Purchase |
6.99% |
5.99% |
$30.87 |
Up to 60 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2022 Vehicle Purchase |
7.49% |
6.49% |
$31.10 |
| 2020 - 2021 Vehicle Purchase |
7.99% |
6.99% |
$31.33 |
| 2016 - 2019 Vehicle Purchase |
8.49% |
7.49% |
$31.56 |
| 2015 and Older Purchase |
9.49% |
8.49% |
$32.03 |
61-72 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2023 and Newer Purchase |
7.39% |
6.39% |
$17.24 |
| 2022 Vehicle Purchase |
7.89% |
6.89% |
$17.48 |
| 2020 - 2021 Vehicle Purchase |
8.39% |
7.39% |
$17.72 |
| 2016 - 2019 Vehicle Purchase |
8.89% |
7.89% |
$17.97 |
| 2015 and Older Purchase |
10.19% |
9.19% |
$18.47 |
73-84 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2024 and Newer Purchase¹ |
9.64% |
8.64% |
$16.42 |
85-96 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2024 and Newer Purchase² |
10.64% |
9.64% |
$15.51 |
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 |
| 2024 and Newer Refinance |
7.19% |
6.19% |
$30.96 |
| 2022 - 2023 Vehicle Refinance |
7.69% |
6.69% |
$31.19 |
| 2020 - 2021 Vehicle Refinance |
8.19% |
7.19% |
$31.42 |
| 2016 - 2019 Vehicle Refinance |
8.69% |
7.69% |
$31.66 |
| 2015 and Older Refinance |
9.69% |
8.69% |
$32.12 |
61-72 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2024 and Newer Refinance |
7.59% |
6.59% |
$17.33 |
| 2022 - 2023 Vehicle Refinance |
8.09% |
7.09% |
$17.58 |
| 2020 - 2021 Vehicle Refinance |
8.59% |
7.59% |
$17.82 |
| 2016 - 2019 Vehicle Refinance |
9.09% |
8.09% |
$18.07 |
| 2015 and Older Refinance |
10.09% |
9.09% |
$18.57 |
73-84 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2024 and Newer Refinance¹ |
9.84% |
8.84% |
$16.52 |
85-96 Months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2024 and Newer Refinance² |
10.84% |
9.84% |
$15.62 |
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 |
| 2023 and Newer |
9.29% |
8.29% |
$20.90 |
| 2022 and Older |
10.29% |
9.29% |
$21.39 |
61-84 months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2023 and Newer |
9.89% |
8.89% |
$16.54 |
| 2022 and Older |
10.89% |
9.89% |
$17.06 |
85-120 months*
| Year |
Base APR* |
APR As Low As* |
Per $1,000 Borrowed |
| 2023 and Newer |
11.29% |
10.29% |
$13.94 |
| 2022 and Older |
12.29% |
11.29% |
$14.52 |
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% |
$47.77 |
| $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* |
10.49% |
$46.37 |
| $5,000.00-$9,999.99 |
25-36 months* |
12.49% |
$33.45 |
| $5,000.00-$9,999.99 |
37-60 months* |
13.49% |
$23.00 |
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* |
13.49% |
$23.00 |
| $15,000.00-$24,999.99 |
up to 60 months* |
14.49% |
$23.52 |
| $25,000.00-$40,000.00 |
up to 60 months* |
15.49% |
$24.05 |
Unsecured Loan amounts up to 72 months*
| Amount |
Term |
Base APR* |
Per $1,000 Borrowed |
| $25,000.00-$40,000.00 |
61-72 months |
16.19% |
$21.80 |
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* |
6.99% |
$19.80 |
| Full Share Pledge |
61-120 months* |
7.99% |
$12.13 |
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 loans are subject to credit approval. The rate may vary based on credit, value and term. SOCU primary checking account discount of .50% APR, additional .50% APR discount may apply with ScoreCard point redemption of equal points to amount of loan financed. “90 Day No Pay” 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 05/01/2025. NMLS #421974
¹ Available on A, B, C credit tier only. Minimum loan amount $30,000.00. Maximum LTV 110%
² Available on A, B, C credit tier only. Minimum loan amount $50,000.00. Maximum LTV 100%
