Current Promotions

30-Year Fixed Rate Mortgages 5.99% APR

Limited-time special to celebrate the grand opening of the Penn Yan Office. Whether you’re buying your first home, dream home or refinancing, ServU's Credit Union’s team is here to guide you every step of the way. But hurry—this limited-time offer won’t last forever!

New money only. Rates subject to change, promotion can end at any time, loans are subject to credit approval. A 30-year mortgage of $100,000 at 5.99% APR would have 360 payments estimated at $598.91. Insurances not included in this payment example.

Pocket Your Payment

Looking for some extra cash? You may be able to skip your ServU loan payment with our Pocket Your Payment program! Members can choose to skip their November 2024, December 2024 or January 2025 loan payment and keep the funds for other uses. 

Access the Pocket Your Pay form here (this will open an interactive PDF).

0.25% APR Discount (Offer valid in person at the Penn Yan branch only) 

Promotion applies to the following loan products:

  • Auto
  • Boat/Camper/RV
  • Personal
  • Debt Consolidation Loans

New money only. Loan application must be started in the Penn Yan branch to qualify for the rate discount. Offer valid until February 28, 2025. 

Auto Loans New Buy or Refinance Special

Whether you're buying a new vehicle or refinancing your current auto loan from another lender, ServU’s got a great deal for you!

  • Auto loans at 4.99% APR
  • Terms up to 72 months
  • Model years 2021& newer
  • New money only
  • Apply online, over the phone or in person!

Loans subject to credit approval. New money only. An auto loan of $35,000 at 4.99% APR would have 72 monthly payments of $563.50. Insurances not included in this payment example.

Use your hard-earned equity now AND later with a Home Equity Line of Credit 

  • Introductory Rate 4.99% APR for the first 12 months 
  • After 12 months, the rate will convert to the Anniversary Prime +1 rate that is effective on that date
  • Use the funds for any need 
  • Access your funds when you need them. Just transfer funds to your checking account and use your checkbook or debit card to make purchases
  • Funds can be transferred using digital banking

Rates subject to change. Promotion can end at any time. All loans are subject to credit approval. As of October 1, 2024, the rate for Anniversary Prime HELOC is 9.00% APR.  The introductory rate of 4.99% APR is in effect for the first 12 months. After the introductory rate expires, the rate will return to the current Anniversary Prime Rate. The introductory APR during the first 12 months after the open date is not based on the index and margin used to make later adjustments. After the introductory rate expires, the account is subject to a variable rate based on the Wall Street Journal Prime Rate. As of, October 1, 2024, the fully indexed APR was 9.0% based on a Prime Rate of 8.00% APR and a margin of plus 1.00%. Thereafter, variable rates are subject to change based on the highest Wall Street Journal Prime Rate and a margin of plus 1.00%. The maximum APR is 18%, the minimum APR is 4.00% APR. For example, an Anniversary Prime HELOC of $50,000 at the introductory rate of 4.99% APR will have a monthly minimum payment of $395.13. After the introductory rate expires, the monthly minimum payment will be $507.11. Rate changes between your closing date and the end of the introductory rate may affect this payment amount. ServU FCU is an Equal Housing Lender. Closing costs are estimated to range from $17 to $10,000, depending on the property’s location. Actual closing costs and mortgage tax may be different. Property insurance required. Contact us for details on specific cost information about third party fees.

Earn up to 1% off Mortgages and Fixed Rate Home Equity Loans

You could earn up to 1% off the current ServU rate for Mortgages and Fixed Rate Home Equity loans just for having other ServU products and services!

  • Direct Deposit
  • Online Banking with E-statements
  • Checking Account
  • Life or Disability Insurance on the loan
  • ServU Visa Credit Card

Apply online, over the phone or in person! 

Rate reduction amount depends on number of qualified products or services. Some applicants may not qualify for some products or services. Loans subject to credit approval. Rates subject to change. ServU Credit Union is an equal housing lender.