Make Your Best Move Yet
New in town? Join the credit union that has the small town warmth you’ve been looking for, while also offering the security, technology and convenience of a big bank.
We’re here for all your banking needs, from savings and checking to a variety of lending products, and are available for you 24/7 to answer any questions. Our low loan rates and high savings rates help our members save more year after year vs those using a traditional banking institution.*
Who Qualifies for Membership?
- There are many ways to become a member of Service Credit Union! Membership is open to anyone in the below qualifying groups:
- Active duty military, veterans, and their families.
- Anyone who currently works (or worked) for the Department of Defense, as well as their families.
- Members of one of our Select Employer Groups.
- Members of the American Consumer Council (ACC). Not a member? Visit the ACC online, click “join now” and use promo code “Service” to join free of charge.
- Members of the Financial Fitness Association (FFA). Not a Member? We’ll help you get signed up! Once you join the FFA, a confirmation email will come directly to you with all of your login credentials.
*Members of Service CU who fall into the Direct Deposit+ tier of our Everyday Checking account, on average save $236.49 a year based on ATM Surcharge reimbursement, ISA fee reimbursements and having auto loan that is $24,580.73 for 65 months at a discounted rate of 3.38% APR.
**Rates shown are Annual Percentage Rate (APR). HELOC promotional rate of 3.99% APR is fixed for the first 12 months. After the promotional period, the rate will vary based on the Wall Street Journal Prime “Prime” rate published on the last business day of the month, 7.75% APR as of 2/2/2022. APR may increase after the loan is closed; maximum APR is 17.125%. Minimum line of credit is $10,000. Property insurance is required. During the 10-year draw period a Home Equity Line of Credit with a balance of $10,000 and APR of 3.99% for the first 12 billing cycles will result in 12 interest only payments of $33.25. After the promotional period a balance of $10,000 and variable APR of 7.750% will result in 108 interest only payments of $64.58, followed by 179 payments of $94.13 and one (1) final payment of $93.31 during the repayment period. Payment example does not include taxes and insurance; actual payment obligation will be greater. During draw period minimum payment required is interest only. Closing costs will apply to home equity lines of credit secured by properties that are listed for sale. Properties currently on the market will be subject to credit report, title, recording, settlement, and appraisal fees (approximately $900). Existing Service Credit Union HELOC’s are not eligible for this promotion. An early termination fee of $400 applies if paid off and closed within 36 months of opened. The fee will be waived if refinanced with Service Federal Credit Union, increasing the original line of credit amount by at least $10,000, or if the borrower paid closing costs for the home equity line of credit. Subject to credit worthiness and dwelling requirements. Must be an existing member or eligible for membership. Promotion runs from 11/03/2022-03/31/23 and is subject to change or be discontinued without notice.
***Annual Percentage Yield (APY) is accurate as of the last dividend declaration date of 8/1/2022 and subject to change without notice. Dividends paid on daily balances of up to $500; variable APY of 5.00%. If actual daily balance exceeds $500, the remaining balance will receive variable APY of 5%-0.25%. Dividends are calculated based on the daily balance with the sum of the daily earning credited on the last day of each month. A minimum deposit of $5 is required to open a Primary Savings Account. Must qualify for membership.
†Rates shown are Annual Percentage Rate (APR), accurate as of 07/16/22 and subject to change without notice. Rates advertised with a .75% reduction. The .75% reduction is available for the Direct Deposit+ checking account tier (example: 9.24% APR less .75% = 8.49%). Up to a .75% discount will be applied to the APR that a member qualifies for based on credit worthiness and checking account tier. Members must maintain the tier qualifications for the life of the loan in order to keep their loan discount. Floor rate may apply. Refinances of existing Service CU personal loans require a minimum of $1,000 in new funds to be borrowed. Cannot be combined with any other offer. Must be member of Service CU or eligible for membership.
††Rates shown are Annual Percentage Rate (APR), accurate as of 8/01/22 and subject to change without notice. Rates advertised with a .75% reduction. A .75% reduction is available for the Direct Deposit+ checking account tier (example: 4.49% APR less .75% = 3.74%). Up to a .75% discount will be applied to the APR that a member qualifies for based on creditworthiness and checking account tier. The collateral age and loan term may impact the APR offered. Members must maintain the tier qualifications for the life of the loan in order to keep their loan discount. Floor rate may apply. Cannot be combined with any other offer. Must be member of Service CU or eligible for membership.