Credit Card Rates
Rate As Of 1/1/2025
| 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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Serve CU also offers new/used vehicle loans, toy (RV, ATV, motorcycles, etc.) loans, real estate loans, and more.
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Vehicle Loan Rates
Rates as of 1/1/2025
| Vehicle Model Year | Maximum Term | APR* As Low As |
|---|---|---|
| NEW VEHICLES 2024 & Newer |
36 | 5.24% |
| 48 | 5.44% | |
| 60 | 5.54% | |
| 72 | 5.64% | |
| 84 | 5.74% | |
| USED VEHICLES 2023 | 36 | 5.44% |
| 48 | 5.54% | |
| 60 | 5.64% | |
| 72 | 5.74% | |
| 84 | 5.84% | |
| USED VEHICLES 2020-2022 |
36 | 5.74% |
| 48 | 5.84% | |
| 60 | 5.94% | |
| 72 | 6.14% | |
| 84 | 6.34% | |
| USED VEHICLES 2018-2019 |
36 | 6.34% |
| 48 | 6.44% | |
| 60 | 6.64% | |
| 72 | 6.84% | |
| USED VEHICLES 2016-2017 |
36 | 6.84% |
| 48 | 6.94% | |
| 60 | 7.04% | |
| USED VEHICLES 2015 and older |
36 | 7.54% |
| 48 | 7.74% |
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Serve CU also offers new/used vehicle loans, toy (RV, ATV, motorcycles, etc.) loans, real estate loans, and more.
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Toy Loan Rates
Rates as of 1/1/2025
| RVs, Boats, Campers, and other titled/ non titled motor vehicles |
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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Serve CU also offers new/used vehicle loans, toy (RV, ATV, motorcycles, etc.) loans, real estate loans, and more.
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Real Estate Loan Rates
Rates as of 1/1/2025
| Type of Loan | Maximum Term | APR* As Low As |
|---|---|---|
| HOME EQUITY PLUS LINE OF CREDIT (Open End) |
180 months | Call for Current Rates. (515) 243-2677 |
| HOME EQUITY (Fixed term - up to 100% Loan to Value- First lien position) |
Up to 60 months | Call for Current Rates. (515) 243-2677 |
| 61-120 months | Call for Current Rates. (515) 243-2677 |
|
| 121-180 months | Call for Current Rates. (515) 243-2677 |
|
| 181-240 months | Call for Current Rates. (515) 243-2677 |
|
| HOME EQUITY (Fixed term - up to 90% Loan to Value- Second lien position) |
Up to 60 months | Call for Current Rates. (515) 243-2677 |
| 61-120 months | Call for Current Rates. (515) 243-2677 |
|
| 121-180 months | Call for Current Rates. (515) 243-2677 |
|
| 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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Serve CU also offers new/used vehicle loans, toy (RV, ATV, motorcycles, etc.) loans, real estate loans, and more.
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Other Types of Loans Rates
Rate as of 1/1/2025
| Type Of Loan | Maximum Term | APR* As Low As |
|---|---|---|
| IMAGINE LOAN Money for anything you can Imagine. (Fixed term) |
12 months | 9.74% |
| 24 months | 10.24% | |
| 36 months | 10.74% | |
| 48 months | 11.49% | |
| 60 months | 11.99% | |
| EASY ACCESS LINE OF CREDIT (Open End) |
10.90% | |
| SHARE SECURED LOAN | Rate + 2% | |
| CERTIFICATE SECURED LOAN | Term of certificate | Rate + 2% |
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Serve CU also offers new/used vehicle loans, toy (RV, ATV, motorcycles, etc.) loans, real estate loans, and more.
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