Service Plus Credit Union
Reminder of Upcoming Holiday Hours
We will be closed Monday, January 20th in observance of Martin Luther King Jr. Day.

Loan Rates

Rates Effective as of September 14, 2022.

New/Used Auto

Advance Amount APR Terms (Months)
New 2025 through 2022 As low as 5.50% 36 months
New 2025 through 2022 As low as 6.50% 48 months
New 2025 through 2022 As low as 7.00% 60 months
New 2025 through 2022 As low as 7.25% 72 months
New 2025 through 2022 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 (2019-2021)

Advance Amount APR Terms (Months)
2019-2021 As low as 6.00% 36 months
2019-2021 As low as 6.50% 48 months
2019-2021 As low as 7.25% 60 months
2019-2021 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 (2014-2018)

Advance Amount APR Terms (Months)
2014-2018 As low as 6.50% 36 months
2014-2018 As low as 7.75% 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.

Used Auto (2013 & Older)

Advance Amount APR Terms (Months)
2013 & Older As low as 8.75% 36 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 7.00% 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 2025 and used to 2022 As low as 8.00% Up to 60 months
New 2025 and used to 2022 As low as 9.00% 84 months
New 2025 and used to 2022 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)
2021-2016 model years As low as 9.00% Up to 60 months
2021-2016 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)
3.00% above Share/Certificate N/A

*APR is the Annual Percentage Rate.

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