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The Credit Union Difference

At Service Credit Union, you’re more than an account number

Unlike banks, credit unions are not-for-profit and owned by their members. Credit unions are based on the belief that by blending their resources, members can achieve a better standard of living. At Service Credit Union, members’ savings are combined to create a pool of funds from which members can borrow. Members benefit from income earned on loans and investments with higher savings rates and lower loan rates meant to help them save and improve their financial well-being.

The diversity of our membership sets us apart. When you walk into a branch, you can see people from all walks of life working together to invest in their community and improve the quality of life for all. When you join Service Credit Union, you’re not just an account number. You’re a member-owner.  

What is a Credit Union?


Decisions are made for and by members, who elect a volunteer board of directors.


Credit unions were created to promote the well-being of their members. Credit union profits are returned back to the members in the form of higher savings rates.

Lower Rates and Fees

The not-for-profit structure of credit unions also means members may benefit with lower loan rates and fewer fees.


Credit unions have a shared field of membership, such as a location or employment group, and are dedicated to giving back to the communities in which they serve.