Banking That Moves With You
At Service Credit Union, we are dedicated to providing products and services that fit the unique needs of our members. For our military members, moving from base to base doesn’t mean having to close your account. Service Credit Union has checking accounts that includes ATM fee reimbursements and discounts on loans. It also means providing access to a 24/7 contact center and a mobile app that allows you to stay on top of your finances wherever you are. Plus we provide personal face-to-face service to those members on U.S. military bases in Germany.
Early Pay Day
Get paid early* when you set up direct deposit with your Service CU checking account. With our Early Pay service, your paycheck could arrive up to two days earlier than scheduled on the following dates:
| January | February | March | April | May | June |
| 11, 30 | 13, 27 | 13, 29 | 12, 27 | 11, 30 | 13, 28 |
| July | August | September | October | November | December |
| 12, 28 | 11, 30 | 13, 27 | 11, 30 | 13, 29 | 13, 27 |
Getting Started
Check out our Newcomer’s Guide to Service Credit Union.
Have you received Permanent Change of Station (PCS) or Deployment Orders? Service Credit Union is here by your side through every move, in the U.S. or abroad. Check out the move order category that best describes you for more information and resources.
I am moving from a stateside base to an overseas base
Check out our Newcomers’ Guide for more information on transitioning to life overseas.
For information specific to your new base in Germany, check out our pages on Bavaria, Ansbach, Kaiserslautern and Spangdahlem.
Service Credit Union has 14 conveniently located branches on U.S. Army and Air Force bases in Germany, as well as more than 85,000 surcharge-free ATMs worldwide through shared branching. Be prepared for overseas life with our International Bill Pay service†, credit cards with no foreign transaction fees, and up to $30 in ATM and foreign transaction fee reimbursements†† with your Service CU debit card.
- Earn 5% APY on the first $500 and .25% APY on all funds over $500*** with a Primary Savings Account.
- Sign up for free Everyday Checking, and get paid up to two days early* with Direct Deposit. Need assistance with MyPay? Check out this video on how to change your direct deposit, and this video on how to start an allotment in MyPay.
- Sign up for International Bill Pay† to pay bills in 18 local currencies in more than 40 countries.
- Need help with your moving expenses? Get a Relocation Loan of up to $2,500.**
- Or, maximize your rewards by earning 1.5 points for every dollar you spend with the Visa® Signature Everyday Elite card.
- Moving to Europe? Order a V Pay card to shop safely and securely anywhere in the Single Euro Payments Area (SEPA), with no foreign transaction fees.
- Finance your new car with a stress-free auto loan. You can even arrange your loan straight from the dealer with our Indirect Lending program.
- Compare the American dollar against currency elsewhere in the world, and sign up for our daily Euro rate newsletter.
- Access our 24/7 live chat, apply for a loan or transfer money to a friend, all from within our mobile app.
I am moving from a stateside base to a stateside base
Get settled into your new home with a competitively priced mortgage from Service Credit Union, including VA loans and first-time homebuyer loans. Our members can easily access thousands of surcharge-free ATMs in the U.S. and around the world, plus take care of all their banking needs through our mobile app.
- Need help with your moving expenses? Get a Relocation Loan of up to $2,500.**
- Earn 5% APY on the first $500 and .25% APY on all funds over $500*** with a Primary Savings Account.
- Or, maximize your rewards by earning 1.5 points for every dollar you spend with the Visa® Signature Everyday Elite card.
- Sign up for free Everyday Checking, and get paid up to two days early* with Direct Deposit. Need assistance with MyPay? Check out this video on how to change your direct deposit, and this video on how to start an allotment in MyPay.
- Finance your new car with a stress-free auto loan. You can even arrange your loan straight from the dealer with our Indirect Lending program.
- Get into your dream home with our quick and easy mortgage process.
- Find a branch or shared branching location near you.
- Download our free mobile app for iOS or Android and learn how to get started with convenient services such as mobile check deposit, online bill pay, and more.
I am moving from an overseas base to a stateside base
Welcome back to the U.S! If you opened a Service Credit Union account while abroad, there’s no need to close your account when you return. Take advantage of Service CU’s dedicated and supported team to finance your new home with a VA loan, finance your new car with a competitively priced auto loan, and more.
- Get into your dream home with a competitively priced mortgage, including VA loans.
- Sign up for free Everyday Checking, and get paid up to two days early* with Direct Deposit. Need assistance with MyPay? Check out this video on how to change your direct deposit, and this video on how to start an allotment in MyPay.
- Finance your new car with a stress-free auto loan. You can even arrange your loan straight from the dealer with our Indirect Lending program.
- Find a branch or shared branching location near you.
- Access our 24/7 live chat, apply for a loan or transfer money to a friend, all from within our mobile app.
I am being deployed
No matter where you in the world, we are here by your side.
- If you’re serving active duty in a combat zone as defined by Service Credit Union, you qualify for an annual savings rate of 10% APY with a deposit of up to $10,000††† through our Deployed Warrior Savings Account. Contact us to determine if you qualify.
- Sign up for free Everyday Checking, and get paid up to two days early* with Direct Deposit. Need assistance with MyPay? Check out this video on how to change your direct deposit, and this video on how to start an allotment in MyPay.
- Sign up for International Bill Pay† to pay bills in 18 local currencies in more than 40 countries.
- Access our 24/7 live chat, apply for a loan or transfer money to a friend, all from within our mobile app.
I am retiring or being discharged
We are so grateful to our veterans for their service and are proud to serve you both during and after your military career. Whether you’re retiring abroad or in the U.S., we have the tools you need to make the most of your finances.
- Get into your dream home with a competitively priced mortgage, including VA loans.
- Retiring in Europe? Sign up for International Bill Pay† to pay bills in 18 local currencies in more than 40 countries, and order a V Pay card to shop safely and securely anywhere in the Single Euro Payments Area (SEPA), with no foreign transaction fees.
- Maximize your credit card rewards by earning 1.5 points for every dollar you spend with the Visa® Signature Everyday Elite card.
- Get help planning your retirement income or your child’s college fund with a free consultation from the Service Financial Group.
- Find a branch or shared branching location near you.
- Download our free mobile app for iOS or Android and learn how to get started with convenient services such as mobile check deposit, online bill pay, and more.
Helpful Resources
Expert guidance and helpful hints for every step of your journey.
*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.
**Military and civilian personnel with PCS orders or deployment orders to any overseas duty stations are eligible for the relocation loan. Loan applications must be received within 120 days before or after the member’s reporting date to new assignment. Underwriting and creditworthiness factors apply. Must be a member with full direct deposit to qualify.
***Annual Percentage Yield (APY) is accurate as of the last dividend declaration date of 04/16/21 and subject to change without notice. Dividends paid on average daily balances of $500; variable APY of 5.00%. If average daily balance exceeds $500, the remaining balance will receive variable APY of 0.25%. A minimum deposit of $5 is required to open a Primary Savings account.
†Reoccurring International Bill Pay payments are available only from a Service CU checking account. One-time International Bill Pay payments are available from any share or share draft account excluding warrior savings accounts. If the suffix selected for payment does not have sufficient available funds at the time the transaction is processed an overdraft charge will be debited from the suffix and the associated payment may not be executed. International Bill Pay incurs a $1.00 fee per online or mobile transaction and for recurring payments. One-Time International Bill Pay transactions initiated in a branch, over the phone or through chat incur a $2.00 fee per transaction. Service CU is not liable for, and has no influence over the conversion rate applied to the conversation of the funds.
††ATM surcharge and ISA fee refunds credited up to $30 based on the current month activity and tier level. ATM surcharge fee reimbursement would apply to fees imposed by non-network ATM owners.
†††Warriors deployed in combat zones may deposit up to $10,000 into a SCU Warrior Savings Deposit Account which earns 10% APY (Annual Percentage Rate) up to $10,000.00. $10,000.01 and above earns 0% APY. Rates are variable and subject to change; accurate as of 04/16/21. Service member must be serving in a combat zone as defined by the IRS; orders of deployment to a combat zone must be provided. No minimum balance is required to open the account; $5 deposit is required to open the savings account. Monthly deposits into Warriors Savings account cannot exceed the amount of your monthly government pay, however, deposits into the Warrior Savings account may be direct deposit, an allotment, or a transfer of funds from an SCU account. Withdrawals are not permitted from the Warrior Savings account, or it will revert back to a SCU Primary Savings account. Account will stop accruing 10% APY at the end of the month of return date per deployment orders plus 120 days. E-Communications are required.