888-599-2265
info@sbgecu.org
Facebook
RatesNewsLocations & HoursContact
Southbridge Credit Union
  • Personal
    • Checking Accounts
      • Kasasa Cash® Checking
      • Kasasa Cash Back® Checking
      • Super NOW Checking
      • Kasasa Protect™
    • Savings Accounts
      • Prime Share Savings
      • Kasasa Saver with Cash®
      • Kasasa Saver with Cash Back®
      • Regular Share Savings
    • Money Market
    • CDs & IRAs
    • Club Accounts
    • Cards
      • Debit/ATM Card
      • Credit Cards
      • Mobile Wallet
        • Apple Pay
        • Samsung Pay
        • Google Pay
      • MasterCard ID Theft Protection™
      • eNFACT: Fraud Protection
      • CardValet®
    • Insurance
      • VPI Pet Insurance
  • Business
    • Business Checking
    • Business Loan Products
      • Business Line of Credit
      • Real Estate Loans
      • Equipment Loans
    • Business Credit Cards
    • Business Money Market
    • Online Rent Collection Services
  • Lending
    • Consumer Loans
      • Personal Loans
      • Auto Loans
      • Motorcycle Loans
      • Pool & Spa Loans
      • Recreational Vehicle Loans
      • Power Sports Loans
      • Mobile Home Loans with Co-op Share
      • Home Improvement Loans
      • Mass Save HEAT Loan Program
    • Student Loans
      • Student Loan Program
      • Student Loan Refinancing Program
    • Mortgages
      • Fixed Rate Mortgage
      • Adjustable Rate Mortgage
      • Construction Permanent Mortgage
      • Vacation Property Mortgage
      • Land Mortgages
      • Online Mortgage Application
      • Mortgage Loan Originator Listing
      • Foreclosed Property Listings
    • Home Equity
    • Business Loan Products
      • Business Line of Credit
      • Real Estate Loans
      • Equipment Loans
  • Services
    • Insurance
      • VPI Pet Insurance
    • Investment Services
    • Online Banking & Bill Pay
    • Mobile Banking: SCU 2 Go
    • eStatements
    • Wire Transfers
    • 24-Hour Telephone Banking
    • Protected Deposits
    • Kasasa Protect™
    • Safe Deposit Boxes
    • Night Depository
    • Signature Guarantee
    • Online Rent Collection Services
  • Resources
    • Rates
    • Member Privacy
    • Disclosures
    • Financial Calculators
    • Online Applications
    • Reorder Checks
    • Schedule of Fees
    • Business Services Fee Schedule
    • Literature
    • Member Education
    • Employment Application
    • Consumer Account Regulation
  • About
    • Contact SCU
    • Locations & Hours
    • Become a Member
    • Community Citizenship
      • Fund Recipients
      • Apply for a Donation
    • News
    • Careers
  • Pay My Loan
  • Account Access

Consumer Loans

Are you in the market for a new auto, RV, motorcycle or boat; or perhaps you’re planning some exciting and needed home improvements; or need to pay off some credit cards? With our competitive rates, we’ll help you fulfill your ‘wants’ and ‘needs’ list! Our experienced loan specialists are available to speak with you in person, by email or phone.

Apply Now
Auto Loans
Personal Loans
Motorcycle Loans
Pool & Spa Loans
Recreational Vehicle Loans
Power Sports Loans
Mobile Home Loans with Co-op Share
Home Improvement Loans
Mass Save HEAT Loan Program

Auto Loans

Auto Loans

Rates as low as 1.99% APR*

Whether you are looking to purchase a new auto, or refinance your current auto loan, Southbridge Credit Union offers competitive interest rates and terms to accomplish your goal. You can also get pre-approved for a loan so you know what you can afford before you go car shopping. Visit a friendly loan specialist today!

  • Borrow up to 100% of NADA retail on vehicles 2013-2021
  • Borrow up to 70% of NADA retail value on vehicles 2012-2011
  • Borrow up to 60% of NADA retail value on vehicles 2010 and older
  • Maximum loan amount: $75,000
View & Print Rates
Apply Now
*APR = Annual Percentage Rate. Rate is determined by your personal credit history. Auto rate applies to 2018 & newer vehicles; maximum term of 63 months. Offer valid on loans new to SCU with payment automatically deducted from a qualified SCU checking account. Payment example: $10,000.00 @ 1.99% for 63 months; P & I $167.29, total interest over life $539.16. Offer may be withdrawn at any time and rates may change at any time without notice. APR reflects a 0.25% discount for automatic payment deducted from qualified SCU checking account. Cancellation of automatic payments from SCU deposit account after loan consummation may result in rate increase. Membership to SCU requires a one-time interest-earning deposit of $5.00 in a prime share account. Equal Housing Opportunity. Equal Opportunity Employer. Federally insured by NCUA. NMLS #616673.

Personal Loans

SCU offers personal loans for a variety of purposes, including consolidation of high interest credit cards, college expenses, vacations, home improvements, and wedding costs. Visit a friendly loan specialist today!

  • Maximum term of 36 months up to $3,000.00
  • Maximum term of 60 months up to $15,000.00
View & Print Rates
Apply Now

Motorcycle Loans

Motorcycle Loans

If you are looking to save money on fuel costs along with the enjoyment of riding the open road, consider financing a motorcycle loan with Southbridge Credit Union. Visit a friendly loan specialist today!

  • Maximum term on a 2015-2020 motorcycle is 72 months up to $75,000.00
  • Maximum term on a 2012-2014 motorcycle is 60 months up to $75,000.00
View & Print Rates
Apply Now

Pool & Spa Loans

Pool & Spa Loans

Do you enjoy spending your free time lounging poolside? Have you dreamed of having a pool and spa in your own backyard? Do you enjoy ‘staycations’? Stop dreaming…come in to SCU and make that dream a reality! Ahhh…your own little piece of paradise! Visit a friendly loan specialist today!

  • Maximum loan amount: $15,000
View & Print Rates
Apply Now

Recreational Vehicle Loans

Recreational Vehicle Loans by SCU

Have you always wanted to spend time on the open waters and open roads? Let Southbridge Credit Union assist you with the purchase of a boat, camper, or trailer with our recreational vehicle loans that have competitive rates and convenient and flexible terms. Visit a friendly loan specialist today!

  • Maximum term on a new vehicle is 144 months with a 20% down payment up to $100,000.00
  • Maximum term on a used vehicle is 72 months with a 20% down payment up to $100,000.00
View & Print Rates
Apply Now

Power Sports Loans

Power Sports Loans

Looking for an adventure? Gear up today with a power sports loan from SCU. We make it easy for you to get the ATV, snowmobile, personal watercraft or dirt bike of your dreams. Apply online today!

View & Print Rates
Apply Now

Mobile Home Loans with Co-op Share

Mobile Home Loans

Wondering if Southbridge Credit Union finances mobile homes? Yes we do! SCU finances mobile homes on leased land within a community park setting. Come in and visit with a knowledgeable and friendly loan specialist today!

  • Maximum loan amount: $125,000.00
View & Print Rates

Home Improvement Loans

Home Improvement Loans

Looking to do home renovations, adding a pool, replacing a roof or porch? Let Southbridge Credit Union assist you with your home improvement projects. Come on in and see a knowledgeable and friendly loan specialist today!

  • Loans range from $5,000.00 – $25,000.00 up to 120 months
View & Print Rates

Mass Save HEAT Loan Program

MassSave Loan Program

Mass Save 0% Financing HEAT Loan Program

The HEAT Loan Program provides utility customers the opportunity to apply for a 0% loan to assist homeowners with the installation of qualified energy efficient improvements to their homes. Contact Southbridge Credit Union customer representatives to review programs available.

  • Loans available up to $15,000.00
  • Available to Massachusetts homeowners, owner occupied 1-4 family dwellings
  • Home energy assessment must be obtained through the Mass Save program prior to loan application
Read More at the Mass Save Website

Find the Loan That’s Right for You

  • Personal Loans
  • Auto Loans
  • Motorcycle Loans
  • Pool & Spa Loans
  • Recreational Vehicle Loans
  • Power Sports Loans
  • Mobile Home Loans with Co-op Share
  • Home Improvement Loans
  • Mass Save HEAT Loan Program

SCU Can Help Fund Your Future

  • Student Loan Program
  • Student Loan Refinancing Program

Need Insurance? SCU Can Help!

  • VPI Pet Insurance
Become a Member
Questions? Call Us at
888-599-2265

“The level of service I recently received from Jordan Hoy at Southbridge Credit Union was truly above and beyond any banking service I have ever experienced. To have someone go the extra mile on my behalf has given me confidence to expect nothing but the best from Jordan and the credit union in general.”

Chris LaBonteSCU Member

“Since becoming a member of SCU, I have expanded my perspective on small financial institutions, and I will never go back. The friendliness of the staff and the warm community feeling has been wonderfully apparent. I was most impressed recently when my husband and I went through the process of buying our first home. Every step was handled professionally and with friendly, prompt service by Lisa Gatzke and her team. Add to that the fact that no other bank could beat the rates and give us the special accommodations we needed, and it was obvious who we wanted to work with! Thank you Southbridge Credit Union for making our first home-buying experience easy, pleasant, and smooth!”

Michelle AndersonSCU Member

“When you are part of Southbridge Credit Union, you have access to world class benefits – low rates, exceptional service (I cannot stress this enough) and the products and services you deserve as a member. Here, you can expect access to your money the way you want and when you want it. So whether it’s online, on your mobile device, in person, or at an ATM, they have what you need. After being a member for over 40 years, I still feel the personalization of a small bank to where it has grown to today.”

Robert L. PoirierSCU Member

“Angie was very helpful and professional when I applied for a first mortgage and later, for a home equity loan. I had a great experience on both occasions, and she was very efficient processing all the associated paperwork. I would highly recommend her to anyone looking for a friendly helpful professional to assist with any lending needs.”

Bob CournoyerSCU Member

“I have been a customer of Southbridge Credit Union for the past seven years. After shopping for a mortgage online (Quicken, Lending Tree, etc.) I then looked at local lending institutions. What I discovered was SCU had the lowest rates of all. In addition to my mortgage, I now have a home equity line of credit and two auto loans. SCU’s rates are competitive and the bank personnel are always pleasant and willing to help to meet the needs of the customer. The customer service is second to none at SCU and I will continue to do business with them in the future.”

Chris HavenSCU Member

Southbridge Credit Union

Main Branch

179 Main Street
Southbridge, MA 01550
888-599-2265
info@sbgecu.org
Connect with us!
Find a Location

We’ve Got You

Personal Banking

Checking Accounts
Savings Accounts
Debit/ATM Card
Credit Cards

Business Banking

Business Checking
Business Loan Products
Business Credit Cards

Lending

Consumer Loans
Student Loans
Mortgages
Home Equity
Credit Life & Credit Disability Insurance
Business Loan Products

Access Your Account

Log In

First time user? Click here.

NCUA MSIC Equal Housing Opportunity
NMLS #616673

Routing #211385705

© 2021 Southbridge Credit Union. All Rights Reserved.

  • Schedule of Fees
  • Business Services Fee Schedule
  • Member Privacy
  • Disclosures
  • Protected Deposits
  • Sitemap