Credit union · NCUA insured
Service One Credit Union Auto Loan Rates
Service One Credit Union auto loans start at 4.50% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How Service One Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bowling Green, KY, where Service One Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Service One Credit Union
4.50%APR
- Terms
- up to 66 months
Auto Loans
Lowest rate
Autotruck Financial CU
4.49%APR
- Terms
- up to 60 months
2nd-lowest rate
Southeast Financial Credit Union
4.50%APR
- Terms
- up to 60 months
Service One Credit Union auto loan score
86
Auto loan score
Higher than 74% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Service One Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Membership eligibility required. No prepayment penalties. Financing up to 100% of purchase price including license and fees. Terms up to 84 months. Actual rate and payment may vary based on creditworthiness, loan amount, and loan term.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 4.50% | Applicable to New, Used, Refinanced Automobile (Model 2024+). Rate is APR as low as; actual rate based on creditworthiness. |
| 67–72 months | 4.99% | Applicable to New, Used, Refinanced Automobile (Model 2024+). Rate is APR as low as; actual rate based on creditworthiness. |
| 73–84 months | 5.49% | Applicable to New, Used, Refinanced Automobile (Model 2024+). Rate is APR as low as; actual rate based on creditworthiness. |
| up to 48 months | 4.99% | Applicable to Used, Refinanced Automobile (Model 2019 to 2023). Rate is APR as low as; actual rate based on creditworthiness. |
| 49–66 months | 5.24% | Applicable to Used, Refinanced Automobile (Model 2019 to 2023). Rate is APR as low as; actual rate based on creditworthiness. |
| 67–72 months | 5.74% | Applicable to Used, Refinanced Automobile (Model 2019 to 2023). Rate is APR as low as; actual rate based on creditworthiness. |
| up to 48 months | 7.89% | Applicable to Used, Refinanced Automobile (Models 2012 to 2018). Rate is APR as low as; actual rate based on creditworthiness. |
| 49–60 months | 8.14% | Applicable to Used, Refinanced Automobile (Models 2012 to 2018). Rate is APR as low as; actual rate based on creditworthiness. |
Motorcycle Loan
Motorcycle purchase or refinance (Models 2017+). Rate based on creditworthiness and term of loan. Membership requirements apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.00% | Motorcycle, Purchase or Refinance (Models 2017+). Rate is APR as low as; actual rate based on creditworthiness. |
| 49–66 months | 7.50% | Motorcycle, Purchase or Refinance (Models 2017+). Rate is APR as low as; actual rate based on creditworthiness. |
| 67–72 months | 8.00% | Motorcycle, Purchase or Refinance (Models 2017+). Rate is APR as low as; actual rate based on creditworthiness. |
Who can join Service One Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- 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.
Employers and groups
- Directors, employees, volunteers, retirees, and members of businesses, associations, and other legal entities located within the BRADD or PADD.
Family and household
- Members of the immediate family or household of any qualifying membership group.
- Spouses of persons who passed away while within the field of membership of the Credit Union.
Other ways
- Current Service One Credit Union members.
Membership information collected October 4, 2026.