Personal Loans
Personal Loans for Any NeedLow rates and fast approval when you need the funds
Personal loans are just that—personalized for your needs. They’re unsecured (not protected by a guarantor, or collateralized by a lien on specific assets of the borrower) and have flexible terms and repayment plans.
These are great loans when you need money now, because we can approve our members quickly.
Personal Loans
With a personal loan, you can borrow up to $40,000 to help pay for:
- Vacation/travel
- Medical bills
- Debt consolidation
- Auto repairs
- Moving costs
- Wedding costs
- And more
Personal Line of Credit
A line of credit is a revolving loan based on your creditworthiness. A Service Credit Union line of credit gives you access to funds only when you need them. You can use this type of loan for any expenses you have from travel to the unexpected.
Readiness Pack
We know you’re ready to face some of life’s biggest obstacles. That’s why we’re here with the essentials to get you through it all. Our Readiness Pack combines a personal loan of up to $2,500 with a starter credit card to help you start establishing your credit, while giving you the funds you need for moving expenses, consolidating your bills or anything else you may need.
Energy Efficiency Loans
Get the help you need to pay your home heating bills and make energy-efficient home improvements.
Personal Loan Rates
| Rates Starting At: | ||
|---|---|---|
| Personal Loan | 7.99% APR | Apply Now |
| Personal Line of Credit | 9.74% APR | Apply Now |
| Energy Efficiency Loan | 8.99% APR | Apply Now |
Rates shown are Annual Percentage Rate (APR), accurate as of 09/01/19 and subject to change without notice. Rates advertised with a .25% reduction. The .25% reduction is available for direct deposit of entire net pay and automatic payment (example: 8.24% APR less .25% = 7.99%). Loan approval and APR subject to credit worthiness. Direct deposit of entire net pay (not allotment) and automatic payment must be maintained. Floor rate may apply. The personal loan rate does not apply to the refinancing of existing SCU loans. An additional .50% APR reduction is available for active military direct deposit of entire net pay and automatic payment.
Members who qualify for the Senior, STAR, Veteran, SEG and Deployed Warrior programs may receive additional rate discounts!
Account Features
Receive a discounted rate on your loan by setting up direct deposit with your employer and automatic transfer payments.*
Use your smartphone or tablet to transfer funds, view statements, apply for loans, calculate payments and more.
Deposit checks, view transactions and balances, make payments and more—from anywhere in the world.
*A .25% Annual Percentage Rate (APR) reduction is available for direct deposit of entire net pay (not allotment) and automatic transfer payment option and must be maintained. Active military members are eligible for an additional .50% APR reduction on top of the .25% APR reduction (.25%+.50%=.75% rate reduction). Loan approval and APR subject to credit worthiness. Floor rate may apply.