Service Plus Credit Union

Loan Rates

Rates Effective as of September 14, 2022.

New/Used Auto

Advance Amount APR Terms (Months)
New 2023 through 2021 As low as 5.50% 36 months
New 2023 through 2021 As low as 6.50% 48 months
New 2023 through 2021 As low as 7.00% 60 months
New 2023 through 2021 As low as 7.25% 72 months
New 2023 through 2021 As low as 7.75% 84 months

Simple interest used to calculate payment. For example, 72 monthly payments of $17.08 per $1,000 borrowed at 7.25% APR. The Annual Percentage Rate you receive will be based upon credit scoring criteria, loan to value ratio, and mileage. Please call or apply online to have us calculate your rate. 

Used Auto (2018-2020)

Advance Amount APR Terms (Months)
2018-2020 As low as 6.00% 36 months
2018-2020 As low as 6.50% 48 months
2018-2020 As low as 7.25% 60 months
2018-2020 As low as 7.75% 72 months

The Annual Percentage Rate you receive will be based upon credit scoring criteria, loan to value ratio, and mileage. Please call or apply online to have us calculate your rate. 

Used Auto (2013-2017)

Advance Amount APR Terms (Months)
2013-2017 As low as 6.50% 36 months
2013-2017 As low as 7.75% 48 months
2013-2017 As low as 8.00% 60 months

The Annual Percentage Rate you receive will be based upon credit scoring criteria, loan to value ratio, and mileage. Please call or apply online to have us calculate your rate.

Used Auto (2012 & Older)

Advance Amount APR Terms (Months)
2012 & Older As low as 8.50% 36 months
2012 & Older As low as 9.25% 48 months

The Annual Percentage Rate you receive will be based upon credit scoring criteria, loan to value ratio, and mileage. Please call or apply online to have us calculate your rate.

Home Equity Loans

Advance Amount APR Terms (Months)
Borrow up to 80% of your home's equity As low as 6.75% A.P.R Amortized Up to 15 years with a 6 year balloon
Borrow up to 90% of your home's equity As low as 7.50% A.P.R. Amortized up to 15 years with a 6 year balloon.

*APR=Annual Percentage Rate and is subject to credit rating and loan to value. All loans subject to approval.

Mortgage Loans

Due to the changing rate environment, please call for the most current mortgage loan rates.

Advance Amount APR Terms (Months)
1st Mortgages - 30 years 2nd Mortgages - 15 years
Up to 80% of value Please call. 6 year Balloon - Amortization up to 30 yrs
80.1% to 90% of value Please call. 6 year Balloon - Amortization up to 30 yrs
Up to 80% of value Please call. 15 year Fixed Rate

Recreational Vehicles

Advance Amount APR Terms (Months)
Campers, Snowmobiles, 4 Wheelers, Boats, Motorcycles Call for rate Call for rate

The Annual Percentage Rate you receive will be based upon credit scoring criteria, loan to value ratio, and mileage. Please call or apply online to have us calculate your rate. 

New RV's

Advance Amount APR Terms (Months)
New 2023 and used to 2021 As low as 8.00% Up to 60 months
New 2023 and used to 2021 As low as 9.00% 84 months
New 2023 and used to 2021 As low as 10.00% 120 months

The Annual Percentage Rate you receive will be based upon our credit scoring criteria. Please call or apply online to have us calculate your rate. 

Used RV's

Advance Amount APR Terms (Months)
2020-2015 model years As low as 9.00% Up to 60 months
2020-2015 model years As low as 10.00% 84 months

The Annual Percentage Rate you receive will be based upon credit scoring criteria, loan to value ratio, and mileage. Please call or apply online to have us calculate your rate. 

Personal

Advance Amount APR Terms (Months)
Personal/Unsecured Loans As low as 11.25% Up to 48 months
Overdraft Protection 14.99% N/A

Credit Card

Advance Amount APR Terms (Months)
VISA Credit Card Click here for detailslink opens in a new window 8.90% - 15.90% N/A

Credit Builder / Share Secured

APR Terms (Months)
2.00% above Share/Certificate N/A

*APR is the Annual Percentage Rate.

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