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Loan Rates

Credit Score
730+ 680-729 640-679 600-639 550-599 0-549
New Collateral 3.49% 3.74% 4.74% 6.74% 8.74% 10.74%
Used Collateral (’14 & Newer) 3.49% 3.74% 4.74% 6.74% 8.74% 10.74%
Used Collateral (’13 & Older) 3.75% 4.00% 5.00% 7.00% 9.00% 11.00%
Signature Loan+ 9.99% 10.24% 11.24% 13.24% 15.24% 17.24%

Loan Terms:

  • 1 to 12 months on loans up to $1,000.00
  • 1 to 36 months on loans with collateral worth less than $5,000.00 or unsecured loans over $1,000
  • 1 to 60 months on loans using collateral with average retail blue book value over $5,000.00 or new vehicles (cars, trucks, boats, campers, motorcycles).
  • 1 to 72 months on loans using collateral with average retail blue book value or sticker price greater than $15,000.00 for an additional .50% APR.

If you are offered a rate that is lower than ours, provide us with proof from the dealership or financial institution of the rate and we may be able to offer you the same rate.

Effective 9/17/2019

Rates subject to change without notice.
All rates are Annual Percentage Rates

Real Estate Loans

Home Equity Line of Credit (HELOC) 70% LTV Prime + 0%
Currently 5.00% *
Home Equity Loan Fixed Rate 80% LTV 3.75% APR – 10 Year Term        4.00% APR – 15 Year Term
First Mortgage Contact our office for most current rates. 
Mortgages offered through AmeriCU Mortgage

Printable Rate Sheet

* 5.00 % APR variable Annual Percentage Rate ("APR") in effect as of 9/22/2019 for home equity lines of credit with 70% maximum combined loan to value (LTV) on homestead property (prime plus a margin of 0%). The index is the highest bank prime rate published in the FEDERAL RESERVE statistical release H.15 SELECTED INTEREST RATES as of the twenty-second day of the months of March, June, September and December. The APR is subject to change quarterly and may increase or decrease but will not exceed 18.00%. Minimum line to open the account is $5,000.00. Maximum line is $200,000.00. Subject to credit approval and property evaluation. Consult your tax advisor regarding deductibility of interest. Property, flood and/or title insurance, if applicable, are required. There is an annual fee of $25.00. Estimated fees paid to third parties generally total between $281 - $346. Membership required.

+$5000 loan maximum for credit scores in the range of 680 -730+;  $3,500 maximum for  600-679; $1,500 maximum for 0-599.  Loan amount may be reduced if member is using unsecured funds on another loan.  

Home Equity Loans

Our maximum home equity loan amount is $200,000.00. The maximum term is 15 years. We offer a Home Equity line of Credit (HELOC) also. Call 920-433-1784 for more information.

If you are interested in a home equity loan and would like to determine if you have enough equity in your home to qualify, check out the home equity loan program (this is a worksheet in Adobe Acrobat PDF format. If you do not have Acrobat reader, you can download a copy free).

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600 N. Adams Street
Green Bay, WI 54301-5146
Open Monday - Friday 8:00 am - 4:00 pm

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This credit union is federally insured by the National Credit Union Administration


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Service Credit Union is committed to providing a website that is accessible to the widest possible audience, regardless of technology or ability. We are actively working to increase the accessibility and usability of our website and in doing so adhere to many of the available standards and guidelines.

This website strives to conform to level Double-A of the World Wide Web Consortium (W3C) Web Content Accessibility Guidelines 2.0. These guidelines explain how to make website content more accessible for people with disabilities. Conformance with these guidelines will help make the website more user friendly for all people.

While Service Credit Union strives to adhere to the accepted guidelines and standards for accessibility and usability, it is not always possible to do so in all areas of the website.

We are continually seeking out solutions that will bring all areas of the site up to the same level of overall web accessibility. In the meantime, should you experience any difficulty in accessing Service Credit Union’s website, please don’t hesitate to contact us.

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