--- title: "Service Plus Credit Union Rates - Illinois" description: "Current auto loan, heloc, and personal loan rates from Service Plus Credit Union in Illinois. Updated daily with source verification. See who can join Service Plus Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/illinois/service-plus" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Service Plus Credit Union Rates - Illinois ### Auto & vehicle rates 13 offers | Product | Published | Rate | Term / condition | Status | | **New 2026 through 2024** auto_new_36mo | — APR | 5.250% | 36 mo · new | Standard | | **48-Month Used Auto Loan (2020–2023)** auto_used_48mo | — APR | 5.500% | 48 mo · used | Standard | | **36-Month Used Auto Loan (2020–2023)** auto_used_36mo | — APR | 5.500% | 36 mo · used | Standard | | **60-Month Used Auto Loan (2020–2023)** auto_used_60mo | — APR | 5.750% | 60 mo · used | Standard | | **72-Month Used Auto Loan (2020–2023)** auto_used_72mo | — APR | 6.000% | 72 mo · used | Standard | | **36-Month Used Auto Loan (2016–2019)** auto_used_36mo | — APR | 6.250% | 36 mo · used | Standard | | **48-Month Used Auto Loan (2016–2019)** auto_used_48mo | — APR | 6.500% | 48 mo · used | Standard | | **36-Month Used Auto Loan (2015 and Older)** auto_used_36mo | — APR | 8.000% | 36 mo · used | Standard | | **New 2026 and used to 2024** auto_any_60mo | — APR | 8.000% | 60 mo · any | Standard | | **60-Month Auto Loan (2017–2023)** auto_any_60mo | — APR | 9.000% | 60 mo | Standard | | **New 2026 and used to 2024** auto_any_84mo | — APR | 9.000% | 84 mo · any | Standard | | **New 2026 and used to 2024** auto_any_120mo | — APR | 10.000% | 120 mo · any | Standard | | **84-Month Auto Loan (2017–2023)** auto_any_84mo | — APR | 10.000% | 84 mo | Standard | Service Plus Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Borrow up to 80% of your home's equity** heloc | — APR | 6.000% | — | Standard | | **Borrow up to 90% of your home's equity** heloc | — APR | 6.250% | — | Standard | Service Plus Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Personal/Unsecured Loan** personal_unsecured_48mo | — APR | 11.250% | 48 mo | Standard | | **Overdraft Line of Credit** personal | — APR | 14.990% | — | Standard | Service Plus Credit Union personal loan rates as of November 12, 2026 Service Plus Credit Union is a credit union in Illinois. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/illinois/service-plus) , verified from [Service Plus Credit Union's official website](https://www.service-pluscu.org/) Loading branch locator… ## About Service Plus Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.6K Assets $35.4M Founded 1950 Locations reported 1 NCUA charter 65770 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Dutrac Community** MOLINE · MOLINE · IL · 61265 Branch in the same ZIP](https://rateapi.dev/credit-unions/iowa/dutrac-community) [**I. H. Mississippi Valley** MAV · Moline · IL · 61265 Branch in the same ZIP](https://rateapi.dev/credit-unions/illinois/i-h-mississippi-valley) [**Empeople** Main Office - Moline · Moline · IL · 61265-6471 About 0.7 miles away](https://rateapi.dev/credit-unions/illinois/empeople) [**Gas and Electric** Moline Branch · Moline · IL · 61265-6311 About 1.0 miles away](https://rateapi.dev/credit-unions/illinois/gas-and-electric) [**Kone Employees** KONE ECU · Moline · IL · 61265 About 1.0 miles away](https://rateapi.dev/credit-unions/illinois/kone-employees) [**Moline Municipal** Moline Municipal Credit Union · Moline · IL · 61265-6080 About 1.1 miles away](https://rateapi.dev/credit-unions/illinois/moline-municipal) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Service Plus Credit Union Membership eligibility from Service Plus Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Service Plus Credit Union's website. Check the membership page below to confirm whether you qualify. - Location rock island, henry — IL Verified from [Service Plus Credit Union's membership page](https://www.service-pluscu.org/about-us) . Final membership determination is always made by the credit union. ## Membership rules for Service Plus Credit Union Geography 2 counties · Family 2 6 published paths to membership, last verified August 27, 2026, quoted from Service Plus Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Henry County, IL - Rock Island County, IL “Our credit union proudly opens its membership to individuals residing or working in Rock Island and Henry counties in Illinois” > [source ↗](https://www.service-pluscu.org/about-us) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “We extend this financial community to include family members of our valued current members” > [source ↗](https://www.service-pluscu.org/about-us) - Family member of a member - Family of a member family “We extend this financial community to include family members of our valued current members” > [source ↗](https://www.service-pluscu.org/about-us) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Service Plus Credit Union? Yes No ## Work at Service Plus Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Service Plus Credit Union ranks against Illinois peers. - See which AI assistants fetched Service Plus Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Illinois - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=service-plus&state=illinois&code=IL&name=Service%20Plus%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Service Plus Credit Union offer? Service Plus Credit Union currently offers Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Service Plus Credit Union rates updated? RateAPI verifies Service Plus Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Service Plus Credit Union's rate data? Rate data is collected directly from Service Plus Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Service Plus Credit Union? Service Plus Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 2 counties for Service Plus Credit Union, each quoted from Service Plus Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Service Plus Credit Union's rates against national credit-union benchmarks. [More Illinois credit unions](https://rateapi.dev/credit-unions/illinois) [Illinois auto loan rate leaders](https://rateapi.dev/auto-loan-rates/illinois) [Illinois HELOC rate leaders](https://rateapi.dev/heloc-rates/illinois) [Illinois personal loan leaders](https://rateapi.dev/personal-loan-rates/illinois) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.service-pluscu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Service Plus Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Illinois credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Service Plus Credit Union curl "https://api.rateapi.dev/credit-unions/illinois /service-plus " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Service Plus Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/illinois/service-plus Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp