Personal Loans
Personal Loan Rates as Low as 7.99% APR*Low 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 $50,000 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.
Relocation Loan
When you’re in the military, life can be unpredictable. And when it’s time for a PCS, you may not have the funds you need for your move right away. That’s why we offer a Military Relocation Loan.** Use it to cover your moving expenses, consolidate your bills or anything else you may need to make your move easier.
To apply, please contact us at or
Energy Efficiency Loans
Get the help you need to pay your home heating bills and make energy-efficient home improvements.
Quick Loans
With a fixed rate of 14.49% APR*** you can get the funds you need when life takes you by surprise.
Personal Loan Rates
| Rates Starting At: | ||
|---|---|---|
| Personal Loan | 7.99% APR* | Apply Now |
| Personal Line of Credit | 9.99% APR | Apply Now |
| Energy Efficiency Loan | 8.49% APR* | Apply Now |
*Rates shown are Annual Percentage Rate (APR), accurate as of 04/22/22 and subject to change without notice. Rates advertised with a .75% reduction. The .75% reduction is available for the Direct Deposit+ checking account tier (example: 8.74% APR less .75% = 7.99%). Up to a .75% discount will be applied to the APR that a member qualifies for based on credit worthiness and checking account tier. Members must maintain the tier qualifications for the life of the loan in order to keep their loan discount. Floor rate may apply. Refinances of existing Service CU personal loans require a minimum of $1,000 in new funds to be borrowed. Cannot be combined with any other offer. Must be member of Service CU or eligible for membership.
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*Rates shown are Annual Percentage Rate (APR), accurate as of 04/22/22 and subject to change without notice. Rates advertised with a .75% reduction. The .75% reduction is available for the Direct Deposit+ checking account tier (example: 8.74% APR less .75% = 7.99%). Up to a .75% discount will be applied to the APR that a member qualifies for based on credit worthiness and checking account tier. Members must maintain the tier qualifications for the life of the loan in order to keep their loan discount. Floor rate may apply. Refinances of existing Service CU personal loans require a minimum of $1,000 in new funds to be borrowed. Cannot be combined with any other offer. Must be member of Service CU or eligible for membership.
**Military and civilian personnel with PCS orders or deployment orders to any overseas duty stations are eligible for the relocation loan. Loan applications must be received within 120 days before or after the member’s reporting date to new assignment. Underwriting and creditworthiness factors apply. Must be a member with full direct deposit to qualify.
***Rates shown are Annual PerceRates shown are Annual Percentage Rate (APR), accurate as of 05/13/22 and subject to change without notice. Courtesy pay services (overdraft program) are not in effect while the Payday Alternative Loan (PAL) has a balance. Only one PAL is permitted at a time. Existing PAL loans may not be refinanced into a new PAL and proceeds cannot be used to pay an existing Service CU loan. The member may not have caused previous losses to SFCU. Proof of incomes or direct deposit is required. A $2,000.00 loan at 14.49% APR for 12 months with the first payment due 30 days after disbursal would result in 11 monthly payments of $180.10 and one final payment of $180.07. Must be member of Service CU or eligible for membership. Other conditions apply.