--- title: "Service One Credit Union Rates - Kentucky" description: "Current vehicle loan, personal loan, and savings & cd rates from Service One Credit Union in Kentucky. Updated daily with source verification. See who can join Service One Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/kentucky/service-one" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Service One Credit Union Rates - Kentucky ### Auto & vehicle rates 7 offers | Product | Published | Rate | Term / condition | Status | | **New, Used, Refinanced Automobile**** (Model 2024+)** auto_any_66mo | — APR | 4.990% | 66 mo · any | Standard | | **Used, Refinanced Automobile**** (Model 2019 to 2023)** auto_used_48mo | — APR | 5.480% | 48 mo · used | Standard | | **Boats, Personal Watercraft (Models 2017+)** boat_any_66mo | — APR | 6.750% | 66 mo | Standard | | **Recreational Vehicle (New or Used Model 2012+)** rv_any_66mo | — APR | 6.750% | 66 mo · any | Standard | | **Motorcycle, Purchase or Refinance (Models 2017+)** motorcycle_any_48mo | — APR | 7.000% | 48 mo | Standard | | **Powersports, ATV, UTV (2017+)** powersports_any_48mo | — APR | 7.750% | 48 mo | Standard | | **Used, Refinanced Automobile**** (Models 2012 to 2018)** auto_used_48mo | — APR | 8.380% | 48 mo · used | Standard | Service One Credit Union auto & vehicle rates as of November 11, 2026 ### Personal loan rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Up to 36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 4.000% | 36 mo | Standard | | **Personal Loans (37 to 60 months)** personal_unsecured_60mo | — APR | 5.000% | 60 mo | Standard | | **Personal Loans (60 months ($5,000 and up))** personal_unsecured_60mo | — APR | 9.900% | 60 mo | Standard | | **Personal Loans (60 months ($2,500 - $4,999))** personal_unsecured_60mo | — APR | 9.900% | 60 mo | Standard | | **Personal Loans (60 months ($1,000 - $2,499))** personal_unsecured_60mo | — APR | 10.400% | 60 mo | Standard | | **Personal Loans (6 months ($500))** personal_unsecured_6mo | — APR | 12.000% | 6 mo | Standard | | **12-Month Unsecured Personal Loan** personal_unsecured_12mo | — APR | 12.000% | 12 mo | Standard | | **Personal Loans (60 months ($500 - $999))** personal_unsecured_60mo | — APR | 12.400% | 60 mo | Standard | | **Personal Loans (12 months ($1,000))** personal_unsecured_12mo | — APR | 14.000% | 12 mo | Standard | | **Personal Loans (18 months ($1,500))** personal_unsecured_18mo | — APR | 16.000% | 18 mo | Standard | | **Personal Loans (24 months ($2,000))** personal_unsecured_24mo | — APR | 18.000% | 24 mo | Standard | Service One Credit Union personal loan rates as of November 11, 2026 ### Savings & CD rates 13 offers | Product | Published | Rate | Term / condition | Status | | **$0.01 To $99,999.99** savings | — APY | 0.25% | — | Standard | | **$100,0000.00 To $249,999.99** savings | — APY | 1.50% | — | Standard | | **3-Month Certificate ($500+)** cd_3mo | — APY | 2.05% | 3 mo | Standard | | **6-Month Certificate ($500+)** cd_6mo | — APY | 2.55% | 6 mo | Standard | | **$250,000.00 To $399,999.99** savings | — APY | 3.00% | — | Standard | | **12-Month Certificate ($500+)** cd_12mo | — APY | 3.15% | 12 mo | Standard | | **60-Month Certificate ($500+)** cd_60mo | — APY | 3.15% | 60 mo | Standard | | **48-Month Certificate ($500+)** cd_48mo | — APY | 3.15% | 48 mo | Standard | | **30-Month Certificate ($500+)** cd_30mo | — APY | 3.30% | 30 mo | Standard | | **18-Month Certificate ($500+)** cd_18mo | — APY | 3.30% | 18 mo | Standard | | **24-Month Certificate ($500+)** cd_24mo | — APY | 3.30% | 24 mo | Standard | | **36-Month Certificate ($500+)** cd_36mo | — APY | 3.30% | 36 mo | Standard | | **$400,000.00 And Up** savings | — APY | 4.00% | — | Standard | Service One Credit Union savings & cd rates as of November 11, 2026 Service One Credit Union is a credit union in Kentucky. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/kentucky/service-one) , verified from [Service One Credit Union's official website](https://www.socu.com/) Loading branch locator… ## About Service One Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 17.7K Assets $270.8M Founded 1963 Locations reported 6 NCUA charter 62484 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 check deposit - Financial counseling - Financial education - First-time homebuyer program - Student scholarships - 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. [**Abound** Bowling Green · Bowling Green · KY · 42104 Branch in the same ZIP](https://rateapi.dev/credit-unions/kentucky/abound) [**Autotruck Financial** Bowling Green Branch · Bowling Green · KY · 42104 Branch in the same ZIP](https://rateapi.dev/credit-unions/kentucky/autotruck-financial) [**Liberty** Gary Farms - Bowling Green KY · Bowling Green · KY · 42104 Branch in the same ZIP](https://rateapi.dev/credit-unions/indiana/liberty) [**Southeast Financial** Bowling Green · Bowling Green · KY · 42104-3383 About 6.5 miles away](https://rateapi.dev/credit-unions/tennessee/southeast-financial) [**Old Hickory** Portland · Portland · TN · 37148-2072 About 19.4 miles away](https://rateapi.dev/credit-unions/tennessee/old-hickory) [**Credit Union for Robertson County** White House Branch · White House · TN · 37188 About 30.5 miles away](https://rateapi.dev/credit-unions/tennessee/credit-union-for-robertson-county) 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 One Credit Union Membership eligibility from Service One Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Service One Credit Union's website. Check the membership page below to confirm whether you qualify. - Location allen, barren, butler, caldwell, christian, crittenden, edmonson, hart, hopkins, livingston, logan, lyon, metcalfe, monroe, muhlenberg, simpson, todd, trigg, warren — KY Verified from [Service One Credit Union's membership page](https://www.socu.com/about-us) . Final membership determination is always made by the credit union. ## Membership rules for Service One Credit Union Geography 19 counties · Associations · Family 3 99 published paths to membership, last verified August 27, 2026, quoted from Service One Credit Union’s own published criteria. ### Geography 19 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Allen County, KY - Barren County, KY - Butler County, KY - Caldwell County, KY - Christian County, KY - Crittenden County, KY - Edmonson County, KY - Hart County, KY - Hopkins County, KY - Livingston County, KY - Logan County, KY - Lyon County, KY - Metcalfe County, KY - Monroe County, KY - Muhlenberg County, KY - Simpson County, KY - Todd County, KY - Trigg County, KY - Warren County, KY “Persons who live, work, worship, volunteer, or attend school in the Barren River Development District (BRADD) or Pennyrile Area Development District (PADD) areas of South Central and Western Kentucky area (which includes Allen, Barren, Butler, Caldwell, Christian, Crittenden, Edmonson, Hart,…” > [source ↗](https://www.socu.com/about-us) ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Belongs to associations (as written on the source page) “Directors, employees, volunteers, retirees, and members of businesses, associations, and other legal entities located within the BRADD or PADD.” > [source ↗](https://www.socu.com/about-us) - Member of associations (class, not a named organization) ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “If you or someone you’re related to lives, works, worships, or attends school in any of the counties in our service area, then you qualify for membership!” > [source ↗](https://www.socu.com/start-your-membership) - Family member of a member - Family Of Deceased surviving spouse “Spouses of persons who passed away while within the field of membership of the Credit Union.” > [source ↗](https://www.socu.com/about-us) - Family member (surviving spouse) of a deceased eligible person - Family of a member immediate family, household member “Members of the immediate family or household of any of the above groups.” > [source ↗](https://www.socu.com/about-us) - Family member (immediate family, household member) 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 One Credit Union? Yes No ## Work at Service One 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 One Credit Union ranks against Kentucky peers. - See which AI assistants fetched Service One Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Kentucky - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=service-one&state=kentucky&code=KY&name=Service%20One%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Service One Credit Union offer? Service One Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 11, 2026 directly from the credit union's official website. ### How often are Service One Credit Union rates updated? RateAPI verifies Service One Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 11, 2026. ### Where does RateAPI get Service One Credit Union's rate data? Rate data is collected directly from Service One 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 One Credit Union? Service One Credit Union publishes its membership criteria on its own website. RateAPI tracks 99 published membership paths covering 19 counties and 1 association for Service One Credit Union, each quoted from Service One Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Service One Credit Union's rates against national credit-union benchmarks. [More Kentucky credit unions](https://rateapi.dev/credit-unions/kentucky) [Kentucky auto loan rate leaders](https://rateapi.dev/auto-loan-rates/kentucky) [Kentucky personal loan leaders](https://rateapi.dev/personal-loan-rates/kentucky) [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.socu.com/) ### 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 One Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Kentucky 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 One Credit Union curl "https://api.rateapi.dev/credit-unions/kentucky /service-one " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Service One Credit Union locations Search, filter, and browse all 6 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/kentucky/service-one Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp