Personal Loans
Personal Loan Rates as Low as 6.49% APR*Low rates and fast approval when you need the funds
From now through February 28, 2021, get a personal loan from Service CU, and be entered to win $5,000. Each month, we’ll pick one winner to receive $5,000.**
No purchase necessary. Click here for sweepstakes rules.
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.
No purchase necessary. Click here for sweepstakes rules.
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.
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 | 6.49% 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 01/01/21 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: 7.24% APR less .75% = 6.49%). 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.
Account Features
Personalize your ATM card with an image of your choice.
Deposit checks, view transactions and balances, make payments and more—from anywhere in the world.
Use your smartphone or tablet to transfer funds, view statements, apply for loans, calculate payments and more.
Easily make purchases directly from your checking account.
This mobile app helps you monitor your accounts, set spending limits and protect against fraud.
Tell us when you’ll be traveling to avoid having your card blocked for unusual activity.
Earn rewards from participating vendors when you use your debit card for select purchases.
Opt in to Courtesy Pay and we will cover your everyday debit card transaction overdrafts until your negative balance exceeds $25.±±
Opt in to Share Transfer Overdraft Protection and avoid unnecessary fees from insufficient funds and protect your credit rating.±
Pay bills quickly and easily in 18 different currencies, and 40 different countries.
Avoid long lines by getting foreign currency before you travel, at competitive rates.
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, pay bills, view statements, apply for loans and calculate payments.
Opt in through Online Banking to receive all your credit union communications electronically.
Receive a discounted rate on your loan by setting up direct deposit with your employer and automatic transfer payments.*
Receive a discounted rate on your loan by setting up direct deposit with your employer and automatic transfer payments.*
Make payments with a tap of your Apple Watch®, Android Wear™, Fitbit™ or Garmin™ by connecting your Service Credit Union credit or debit card to your mobile app.
Deposit checks directly from your mobile device or computer.**
Log into our mobile app securely with a single touch on your iPhone.
Get free access to your credit score, updated quarterly.
Keep track of all your payments and save time and money by paying online from your checking account.
Deposit checks directly from your mobile device or computer.*
Earn rewards from participating vendors when you use your debit card for select purchases.
Track your spending and set a budget to reach your goals more quickly.
Access TurboTax for free through online banking.
Opt in to Share Transfer Overdraft Protection and avoid unnecessary fees from insufficient funds and protect your credit rating.±
Opt in to Courtesy Pay and we will cover your everyday debit card transaction overdrafts until your negative balance exceeds $25.****
Contactless (touch and go) payment capability.
Discounted tickets for amusement parks, resorts, skiing and more
Employee Recognition Program and Anniversary Rewards
Employee Referral Program
Free fitness center and walking path at our corporate office
Company-wide events, including an annual summer BBQ
Volunteer opportunities and community activism
Designed to prevent counterfeit credit card fraud, EMV chip technology creates a one-time code for each transaction.
Make payments with a tap of your Apple Watch®, Android Wear™, Fitbit™ or Garmin™ by connecting your Service Credit Union credit or debit card to your mobile app.
Visa is a registered trademark of the Visa International Service Association.
*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.
*A .75% 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. Loan approval and APR subject to credit worthiness. Floor rate may apply.
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*Rates shown are Annual Percentage Rate (APR), accurate as of 01/01/21 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: 7.24% APR less .75% = 6.49%). 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.
**No purchase necessary to win. One (1) entry awarded for each eligible consumer loan product (new/used auto, credit card, first mortgage or personal loan) closed during the contest period (10/19/20-2/28/21). Must be a lawful permanent resident of the United States and be 18 years or older to enter. See official rules for details.