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Traditional savings—and more

Saving money is sometimes called “paying yourself first.” It means putting future goals ahead of short-term wants, then watching your money grow over time.

No doubt about it: Saving takes discipline, and it all starts with the right plan. At Service Credit Union, we make saving second nature with a range of account options.

Share Savings

A Share Savings account is the first step to joining the Service Credit Union family. Since we’re owned by our community of savers, your initial deposit says you’re one of us. It couldn’t be simpler; just deposit at least $5, and you’re in.

From day one, you’ll earn dividends on your savings with a minimum average daily balance of $50 or more — even more if you qualify for one of our special programs like those for veterans, seniors or select employer groups. All it takes is a new Share Savings account to start sharing in our members’ success!

Youth Club Program

Learning to save is a lifelong habit, starting with a kid’s first allowance. We make saving fun in our Youth Club Program, which offers dividends with a minimum average daily balance of $50 or more and even cash prizes for regular young savers.

Visit your local branch to open an account or call us toll-free at 1-800-936-7730 (U.S.) or 00800-4728-2000 (Int’l).

STAR Savings

Our STAR Savings program is designed to encourage moderate wage earners to save more for their future. If you make less than $51,600 a year or your military base pay does not exceed $2,872 and you direct deposit your net pay to the STAR savings or your Service Credit Union checking account, you’ll get a premium dividend rate on savings accounts.

Military Savings

If you’re a veteran or currently serving in the Armed Forces, you may qualify for exclusive savings benefits at Service Credit Union. We honor our members who serve with a choice of savings plans that pay higher dividend rates than regular accounts.

Holiday Club Account

The holiday season always seems to come up fast! Smart shoppers plan ahead by setting aside regular contributions to a special higher-dividend savings account. It’s a painless way to make sure you have your gift list covered.


A certificate is a savings account where you set aside money for a period of time, from six months to five years. In return, you earn more dividends than you can with regular savings.

Money Market Accounts

A money market account is a great place to put your savings when your balance grows larger than $2,500. Why? Because a money market account pays higher dividends than regular savings accounts—and you get checks for the account.

Trust Accounts

Trust accounts are like savings accounts, but the money you (as the trustee) deposit is managed for the benefit of someone else (the beneficiary). You can use trust accounts to help with your estate planning, or to set money aside for a specific purpose or person. We offer informal and formal trusts.