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Get to Know the Ways We Serve 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.

Getting Started

Primary Savings

From day one, you’ll earn 5% APY on the first $500 and .25% APY on all funds over $500*. Plus you’ll become a member-owner of Service Credit Union. From there, you can open a checking account, apply for a credit card and enjoy other member services. Think of Primary Savings as an invitation to share in our members’ success.

Everyday Checking

Our free Everyday Checking account offers three levels of benefits: Basic, Direct Deposit, and Direct Deposit +. Have direct deposit from DFAS, the Coast Guard or National Guard? You’ll automatically receive our highest level of checking account benefits including a .75% APR** discount on all auto, motorcycle or personal loans and $30 monthly in ATM reimbursements.***

Want to earn more? With Dividend Checking you’ll get the same features as Everyday Checking, but you’ll earn dividends. Monthly maintenance fees are waived for daily balances over $1,500.****

Readiness Pack

Get a personal loan of up to $2,500 with a starter credit card to help you establish your credit.


Early Pay Day

Get paid early.ꝉꝉ With direct deposit into your Service Credit Union account, your paycheck may arrive up to two days earlier than scheduled on the following dates:

Jan. 13, 29

Feb. 12, 26

Mar. 11, 28

Apr. 11, 29

May 13, 28

June 11, 27

July 11, 29

Aug. 12, 28

Sept. 11, 29

Oct. 10, 28

Nov. 10, 26

Dec. 11, 29

Shared Branching & Convenient ATMs

Our robust branch access includes shared branching where members have access to hundreds of credit unions and nearly 85,000 surcharge-free ATMs worldwide to provide greater convenience and personal service.

International Bill Pay

Set up automatic bill payments in a variety of local currencies.

Mobile App

Access our 24/7 live chat, apply for a loan or transfer money to a friend, all from within our mobile app.

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*Annual Percentage Yield (APY) is accurate as of the last dividend declaration date of 09/02/20 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.

**Loan Discounts do not apply to real estate, lines of credit, business loans certificate or share secured consumer loans, or VISA loans. Discount will be applied to the APR that a member qualifies for based on creditworthiness.  Members must maintain the tier qualifications for the life of the loan in order to keep their loan discount.

***Our ATM rebates would apply to fees imposed by non-network ATM owners. Refunds are applied to the account on the first business day of the following monthly cycle that the rebate eligibility requirements were met.

****There is a monthly maintenance fee of $10.00 if the Dividend Checking account balance falls below $1,500.00 on any day of the calendar month. The fee is assessed on the last day of the month.

To qualify for Readiness Pack, PCS orders or deployment orders to any overeas duty station are required. Returnees to U.S. installations and temporary duty assignments are not eligible.  Loan application must be received within 120 days before or after the members reporting date to new assignment.  Membership is required with direct deposit (not allotment). An instant issue Visa credit card with a limit between $500 and $1,000 will be provided along with the personal loan.  The personal loan amount is not to exceed $2,500.  Amount of the personal loan and the credit card limit cannot exceed $3,000.  (Example $1,000 credit card limit and a $2,000 personal loan = $3,000). Term restrictions apply. Subject to loan approval.

ꝉꝉImmediate credit of your direct deposit to your SCU account up to two (2) business days early is based upon when we receive your payroll from your employer. SCU cannot assume any liability for not depositing these funds to your account early.