Vehicle Loans
Whether this is your very first car, the van to fit multiple car seats, or the motorcycle you’ve been dreaming of your whole life…it would be our pleasure to put you in the front seat!
(Includes Classic Cars and Motorcycles)
Rates Effective 12/01/2024
| Vehicle/Model/Year | Maximum Term | APR* As Low As |
|---|---|---|
| NEW VEHICLES 2023 & Newer |
36 | 5.34% |
| 48 | 5.54% | |
| 60 | 5.64% | |
| 72 | 5.74% | |
| 84 | 5.84% | |
| USED VEHICLES 2022 | 36 | 5.44% |
| 48 | 5.64% | |
| 60 | 5.74% | |
| 72 | 5.84% | |
| 84 | 5.94% | |
| USED VEHICLES 2019-2021 |
36 | 5.84% |
| 48 | 5.94% | |
| 60 | 6.04% | |
| 72 | 6.14% | |
| 84 | 6.34% | |
| USED VEHICLES 2017-2018 |
36 | 6.34% |
| 48 | 6.54% | |
| 60 | 6.74% | |
| 72 | 6.94% | |
| USED VEHICLES 2016 and older |
36 | 6.84% |
| 48 | 6.94% | |
| 60 | 7.14% |
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If you can’t find what you’re looking for or need assistance from our team, call or text at 515.243.2677 or email us at loans@servecu.org. Thank you!
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Credit Cards
With no Annual or Balance Transfer Fees and competitive rates, our Classic, Rewards, or Credit Building Credit Cards may be the perfect solution to meet your consumer or debt consolidation needs!
And download our Serve CU Cards App to experience complete control of your credit card!
Rates as of 11/01/2024
| Type of Card | APR* As Low As |
|---|---|
| MasterCard Classic | 8.90% - 14.90% |
| Cash-Back Rewards MasterCard | 9.49% - 11.49% |
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If you can’t find what you’re looking for or need assistance from our team, call or text at 515.243.2677 or email us at loans@servecu.org. Thank you!
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Toy Loans
Whether you’re looking to relax on the lake, travel cross country or any fun in between…it’s called a toy for a reason!
Rates as of 12/01/2024
| Toy Loans | Maximum Term (in months) | APR* As Low As |
|---|---|---|
| No minimum loan amount | 36 | 6.44% |
| No minimum loan amount | 48 | 6.54% |
| No minimum loan amount | 60 | 6.74% |
| Minimum loan amount of $15,000 | 72 | 6.94% |
| Minimum loan amount of $15,000 | 84 | 7.24% |
| Minimum loan amount of $20,000 | 120 | 7.44% |
| Minimum loan amount of $25,000 | 180 | 7.94% |
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If you can’t find what you’re looking for or need assistance from our team, call or text at 515.243.2677 or email us at loans@servecu.org. Thank you!
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Mortgages
Our Mortgage Specialist, Brenda Baird, is eager to help you find the right mortgage option for you!
FHA- Gift funds allowed
Conventional
VA- No down payment required
Manufactured homes
USDA- 100% financing
First time homebuyers
Jumbo financing
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We do not provide rates on the website as they change weekly
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Home Equity Loans
A backyard oasis? A finished basement? A more manageable financial situation? You’ve earned the equity in your home…now how do you want to use it?!
Rates Effective 11/01/2024
| 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 | Call for Current Rates |
| 61-120 months | Call for Current Rates | |
| 121-180 months | Call for Current Rates | |
| 181-240 months | Call for Current Rates |
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If you can’t find what you’re looking for or need assistance from our team, call or text at 515.243.2677 or email us at loans@servecu.org. Thank you!
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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Imagine Loans
Whether you’ve dreamed of a family vacation, a redecorated home, a better financial situation, or really anything in between…Come to us with your Imagination and we will meet you with a solution!
Rates as of 12/01/2024
| Type of Loan | Maximum Term | APR* as low as |
|---|---|---|
| IMAGINE LOAN Money for anything you can imagine. (Fixed term) |
12 months | 9.24% |
| 24 months | 9.74% | |
| 36 months | 10.24% | |
| 48 months | 10.99% | |
| 60 months | 11.49% |
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If you can’t find what you’re looking for or need assistance from our team, call or text at 515.243.2677 or email us at loans@servecu.org. Thank you!
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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.
Student Choice offers a unique line-of-credit student loan to help you responsibly fill the gaps that remain after you’ve exhausted lower-cost sources of aid and scholarships!
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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
Take control of your student loan repayment! Refinance and consolidate your private and federal student loans (including PLUS loans) into one manageable loan with one convenient payment!
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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.
Click “read more” to complete a Skip a Pay Request Form
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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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