Community Collage

Banking Rooted in New England. Invested in Your Success.

Whether you're looking for competitive rates on savings, lower costs on borrowing, or better service we're here to deliver all three.
Become a Member

Here for You, Every Step of the Way

From opening your first account to reaching your financial goals, we're committed to your success.
Your Goals Come First

Your Goals Come First

We design every product and service around what matters to you, not what's easiest for us.
Banking That Grows With You

Banking That Grows With You

Your needs change. We're here with solutions for every stage of your life, from checking to mortgages.
Supporting What You Support

Supporting What You Support

We give back to the communities our members live in. When you bank with us, you're part of something bigger.

What You Get When You Join

From free checking to guaranteed savings rates, to auto refinancing that saves you money, our products are built to help you do more.

Everyday Checking

Checking That Works as Hard as You Do

Get paid early, skip the fees and manage your money with ease.
  • Get paid up to two days early*
  • Zero monthly maintenance fees
  • Up to 0.75% APR** loan discount on auto and personal loans
  • Online banking that's like a branch in your pocket
  • Free Subscription Manager (powered by ScribeUp)
Open a Checking Account

Share Certificates

Lock in a Rate and Watch It Grow

Guaranteed dividends, flexible terms and a low minimum to get started.
  • Rates as high as 4.00% APY***
  • Guaranteed rate locked in at opening
  • Dividends compounded and credited monthly
  • Start with as little as $500
  • Flexible terms from 3 to 60 months
  • Federally insured up to $250,000
Open a Share Certificate

Auto Refinance

Lower Your Car Payment Starting Today

Check your personalized rate with no impact to your credit score.
  • External auto loan rates as low as 3.99% APR****
  • No payments for up to 90 days
  • Flexible terms and fast approvals
  • Save more with a Direct Deposit checking account
  • Check your rate below for a personalized rate estimate with no impact to your credit score.
Check Your Rate
family hanging out on the couch
Built for You, Not for Shareholders
Service Credit Union is member-owned, which means every decision we make — from the rates we offer to the products we build — is made with your financial wellbeing in mind, not a boardroom in another state.
Become a Member

Your Membership Makes a Difference

Every member who joins Service Credit Union helps us give more, do more, and serve more in the communities we all call home.

Organizations Supported

350+

Items Collected Through Branch Drives

10,000+

Pounds of Food Distributed in Communities

22,629+
Become a Member

See Why Members Love Service Credit Union

Dave

Lowell MA

The way financial institutions should be. Good and quick service. I have used Service Credit Union for 3 car loans. They do good work.
The way financial institutions should be. Good and quick service. I have used Service Credit Union for 3 car loans. They do good work.

Dave

DeAnne

Love the banks, they’re everywhere and services are GREAT!! The BEST bank I’ve dealt with in my life! Keep up Great work S.C.U. people!
Love the banks, they’re everywhere and services are GREAT!! The BEST bank I’ve dealt with in my life! Keep up Great work S.C.U. people!

DeAnne

Mike

Salem NH

Could not be happier with Service CU. They always provide extremely competitive rates and first rate service.
Could not be happier with Service CU. They always provide extremely competitive rates and first rate service.

Mike
Your Next Credit Union Is Here
Membership takes minutes. Better rates, no hidden fees, and banking that's invested in your success. It's all waiting for you.
Open an Account
*Immediate credit of your direct deposit to your Service CU account up to two (2) business days early is based upon when we receive your payroll from your employer. Service CU cannot assume any liability for not depositing these funds to your account early. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

**Loan Discounts do not apply to real estate (excluding HELOC), lines of credit, business loans, certificate or share secured consumer loans, Instant Loans or VISA loans. Discount will be applied to the APR that a member qualifies for based on creditworthiness and checking account tier. The loan type, collateral age and loan term may impact the APR offered. Members must maintain the checking account tier qualifications for the life of the loan in order to keep their loan discount. Discount conditions will be set forth in your loan contract. Floor rate may apply. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

***Rates shown are Annual Percentage Yields (APY), accurate as of 04/07/2026, and subject to change without notice as determined by the Board of Directors. Rate advertised is for the 12 month certificate only. Minimum deposit of $500 is required. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity.  Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. 

****Rates shown are Annual Percentage Rate (APR), accurate as of February 2, 2026, and subject to change without notice. Rates advertised for external refinances only. Rate advertised with a .75% reduction for the Direct Deposit+ checking account tier (example: 4.74% APR less .75% = 3.99%). Up to a .75% discount will be applied to the APR that a member qualifies for based on creditworthiness and checking account tier. Members must maintain the checking account tier qualifications for the life of the loan in order to keep their loan discount. The loan type, collateral age and loan term may impact the APR offered. Floor rate may apply. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.