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Vehicle Loans
New and used vehicle loans are available at very competitive terms and rates
- Our vehicle loans are available on any titled vehicle, including motorcycles, boats, campers, ATVs, and other titled collateral. However, longer terms may be available if needed
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Rates Effective 3/08/2024
| Vehicle/Model/Year | Maximum Term | APR* As Low As |
|---|---|---|
| NEW VEHICLES 2023 & Newer |
36 | 5.84% |
| 48 | 6.29% | |
| 60 | 6.44% | |
| 72 | 6.64% | |
| 84 | 6.84% | |
| USED VEHICLES 2022 | 36 | 5.94% |
| 48 | 6.39% | |
| 60 | 6.54% | |
| 72 | 6.74% | |
| 84 | 6.89% | |
| USED VEHICLES 2019-2021 |
36 | 6.19% |
| 48 | 6.64% | |
| 60 | 6.84% | |
| 72 | 7.04% | |
| 84 | 7.34% | |
| USED VEHICLES 2017-2018 |
36 | 6.59% |
| 48 | 7.14% | |
| 60 | 7.34% | |
| 72 | 7.54% | |
| USED VEHICLES 2016 and older |
36 | 7.09% |
| 48 | 7.54% | |
| 60 | 7.74% |
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Toy Loans
Toy loans include RVs, Boats, Campers, Motorcycles, and other titled motor vehicles.
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Rates Effective 3/8/2024
| Toy Loans | Maximum Term (in months) | APR* As Low As |
|---|---|---|
| No minimum loan amount | 36 | 6.64% |
| No minimum loan amount | 48 | 6.89% |
| No minimum loan amount | 60 | 7.04% |
| Minimum loan amount of $15,000 | 72 | 7.19% |
| Minimum loan amount of $15,000 | 84 | 7.44% |
| Minimum loan amount of $20,000 | 120 | 7.64% |
| Minimum loan amount of $25,000 | 180 | 8.19% |
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Mortgages
We offer a variety of first mortgage loan options at competitive rates with low closing costs.
- FHA – Gift funds allowed
- Conventional
- VA – No down payment required
- Manufactured homes
- USDA – 100% financing
- First time homebuyers
- Jumbo financing
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| Type of Loan | APR* As Low As |
|---|---|
| FIRST MORTGAGE (Up to 80% loan to value) |
Call for current rates. (515) 243-2677 |
| FIRST MORTGAGE PURCHASE LOANS | Call for current rates. (515) 243-2677 |
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Home Equity Loans
- Fixed-rate home equity loans and home improvement loans are available
- Members can borrow up to 90% of the equity they have in their residence to finance just about any project or purpose
- Repayment terms are available for up to 15 years (180 months)
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Rates Effective 3/8/2023
| Type of Loan | Maximum Term | APR* As Low As |
|---|---|---|
| HOME EQUITY PLUS LINE OF CREDIT (Open end) |
180 months | Call for Current Rates |
| HOME EQUITY (Fixed term - up to 100% loan to value- First lien position) |
Up to 60 months | 6.99% |
| 61-120 months | 7.49% | |
| 121-180 months | 7.99% | |
| 181-240 months | 8.49% |
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Imagine Loans
Imagine what you could accomplish with a great low-rate loan from your credit union.
With just your signature, we can offer both a line-of-credit & fixed-rate loans, as well as overdraft loans. These types of loans are granted to qualifying members without collateral being required.
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Rates Effective 3/8/2023
| Type of Loan | Maximum Term | APR* as low as |
|---|---|---|
| IMAGINE LOAN Money for anything you can imagine. (Fixed term) |
12 months | 9.49% |
| 24 months | 9.99% | |
| 36 months | 10.49% | |
| 48 months | 11.24% | |
| 60 months | 11.74% |
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Student Loans by Student Choice
The cost of college continues to rise, forcing many students and families to resort to higher-cost private student loans to fill funding gaps.
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As a not-for-profit lender, Serve Credit Union has a unique ability to help members and families by offering our student choice private lending solution that features:
- Zero origination or prepayment fees
- Lower interest rates
- Simple one-time online application
- Deferment of principal and interest while in school
- Flexible repayment terms including graduated repayment for two years
- A convenient line of credit structure that lets you apply once, and secure financing for your entire college career
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Student Refinance
The cost of college continues to rise, forcing many students and families to resort to higher-cost private student loans to fill funding gaps.
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As a not-for-profit lender, Serve Credit Union has a unique ability to help members and families by offering our student choice private lending solution that features:
- Zero origination or prepayment fees
- Lower interest rates
- Simple one-time online application
- Deferment of principal and interest while in school
- Flexible repayment terms including graduated repayment for two years
- A convenient line of credit structure that lets you apply once, and secure financing for your entire college career
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Skip-A-Pay
Qualified members may have the option to skip their loan payments for one month on one or all of their Serve Credit Union loans, excluding credit cards and mortgage loans.
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There is a small fee of $25 per loan for this service. To determine if you are eligible to skip your loan payments, fill out the form below and a member of our loan team will be in contact! Thank you!
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| Type | Rate |
|---|---|
| Imagine loans | |
| Home equity loans | |
| Vehicle loans | |
| Mastercard classic |
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