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 1/03/2023. NMLS #421974