Your credit union membership with Service One Credit Union brings you the best rates on loans.


Auto Loans

Loan Type Term APR* as low as
New, Used, Refinanced Automobile**** (Model 2022 to 2024) Up to 66 Months 6.09%
  67-72 Months 6.34%
  73-84 Months 6.84%
Used, Refinanced Automobile**** (Model 2017 to 2021) Up to 48 Months 6.34%
  Up to 49-66 Months 6.59%
  Up to 67-72 Months 7.09%
Used, Refinanced Automobile**** (Models 2010 to 2016) Up to 48 Months 7.89%
  49-60 Months 8.14%
Recreational Vehicle (New or Used Model 2010+) Up to 66 Months 7.75%
  67-72 Months 7.00%
  73-84 Months 7.25%
  85-120 Months 7.50%
Boats, Personal Watercraft (Models 2015+) Up to 66 Months 6.75%
  67-72 Months 7.25%
Powersports, ATV, UTV, Camper, Trailer (2010+) Up to 48 Months 7.75%
  49-66 Months 8.25%
Motorcycle, Purchase or Refinance (Models 2015+) Up to 48 Months 7.00%
  49-66 Months 7.50%
  67-72 Months 8.00%

Personal Loans

Loan Type Term APR* as low as
Lifestyle Loan/Personal (No Collateral)** 60 months ($500 - $999) 12.40%
  60 months ($1,000 - $2,499) 10.40%
  60 months ($2,500 - $4,999) 9.90%
  60 months ($5,000 and up) 9.90%
Ready Reserve Line of Credit ***   14.15%
Share Secured Up to 36 months 4.00%
  37 to 66 months 5.00%
Credit Builder 12 months 12.00%
Fast Cash 6 months ($500) 12.00%
  12 months ($1,000) 14.00%
  18 months ($1,500) 16.00%
  24 months ($2,000) 18.00%

Mortgage Rates

Effective Date: Wednesday, August 23rd, 2023

Fixed and adjustable rates are available for home buying and refinancing. Rates subject to credit granting criteria.

For mortgage inquiries, please contact the Mortgage Department at (270) 796-8500 or (800) 759-8500, extension 2023.

Account Type Description Term Rate as low as APR* as low as
Fixed Rate Conventional Fixed rate mortgage, minimum 5% down payment 1 Year Please call for rate Please call for rate
    15 Year Please call for rate Please call for rate
    20 Year Please call for rate Please call for rate
    30 Year Please call for rate Please call for rate
VA Program offering fixed funds through VA with no required down payment and no monthly PMI 15 Year Please call for rate Please call for rate
    30 Year Please call for rate Please call for rate
FHA Program offering fixed funds with a minimum down payment of 3.5% 15 Year Please call for rate Please call for rate
    30 Year Please call for rate Please call for rate
Welcome Home Mortgage Up to 100% LTV, No PMI 3/3 ARM Please call for rate Please call for rate
    5/5 ARM Please call for rate Please call for rate
ARMs Adjustable rate mortgage, minimum 5% down payment, no PMI 3/3 ARM Please call for rate Please call for rate
    5/5 ARM Please call for rate Please call for rate
    10/10 ARM Please call for rate Please call for rate

Home Equity Rates

Put the available equity in your home to use for home improvements, a new car, or college tuition. Rates are subject to credit granting criteria.

For Home Equity inquiries, please call (270) 796-8500, toll-free (800) 759-8500, or stop by one of our seven branches.

Product Term/Name APR* as low as
Fixed Rate Home Equity (Closed-End) 5 Year 8.12%
  7 Year 8.37%
  10 Year 7.24%
*****10 and Done 10 Year 7.24%
  15 Year 7.49%
Home Equity Line of Credit - HELOC (Open-End, Variable Rate) N/A 8.50%

Credit Card rates

Product Term/Name APR* as low as
VISA® Platinum Credit Card N/A 13.50%
VISA® Signature Credit Card N/A 16.50%

*APR = Annual Percentage Rate. Rates posted are for reference only and subject to change without notice. Membership eligibility applies. Rates subject to creditworthiness and other terms and conditions.
**Personal (No Collateral) – Assumes a $5,000 loan amount.
***Ready Reserve Line of Credit is a Variable Rate.
****Automobile Loans – Up to 125% MSRP for new and 115% JD Powers Clean Retail for Used. 73-84 month term available for new vehicles with an amount financed $15,000 and higher. Rebuilt or salvage title limited to 75% of the JD Powers Clean Retail Value and 60-month term.
*****10 and Done - 10-year fixed-rate home equity loans are for 1st lien loans secured on primary residence up to 75% LTV.
Vehicle loans are eligible for 0.25% discount for auto pay from a SOCU deposit account and an additional 0.25% for having or opening a Choice Plus Checking.
Recreational Vehicle, Boat/Personal Watercraft, Motorcycle, Powersports, and Lifestyle Loans are eligible for 0.25% rate discount with Choice Plus Checking.

*APR = Annual Percentage Rate. Rates posted are for reference only and subject to change without notice. Membership eligibility applies. Rates subject to creditworthiness and other terms and conditions. 
** – Personal (No Collateral) – Assumes a $5,000 loan amount.
*** – Ready Reserve Line of Credit is a Variable Rate. 
***** – Automobile Loans – Up to 125% MSRP for new and 115% JD Powers Clean Retail for Used. 73-84 month term available for new vehicles with an amount financed $15,000 and higher.  Rebuilt or salvage title limited to 75% of the JD Powers Clean Retail Value and 60-month term.
***** – 10 and Done - 10-year fixed-rate home equity loans are for 1st lien loans secured on primary residence up to 75% LTV.

Vehicle loans are eligible for 0.25% discount for auto pay from a SOCU deposit account and an additional 0.25% for having or opening a Choice Plus Checking.

Recreational Vehicle, Boat/Personal Watercraft, Motorcycle, Powersports, and Lifestyle Loans are eligible for 0.25% rate discount with Choice Plus Checking.

Mortgage Rates: Your actual rate may be different, as many factors go into providing you with a mortgage loan such as the amount of the down payment, how much equity you have or whether you are purchasing, refinancing just the existing debt or refinancing & adding to the loan amount. The quotes above are based on a specific loan amount for the purchase or refinance of a single-family primary residence. (Purchase based on a loan amount of $112,500 with a 25% down payment and a refinance of $112,500 both with a value of $150,000.) The above scenarios do not include cash-out refinances and there may be credit score adjustments based on an applicant’s credit history. 

Product offers, rates, terms, and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our website which may be beyond our control, Service One Credit Union cannot guarantee the completeness or accuracy of the information provided herein. To verify current offers and rates, please call any Service One Credit Union location.

Contact us for complete details by calling (270)796-8500 or (800) 759-8500.

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