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Online Banking Accounts

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Primary Savings

A Primary Savings account allows you to become a Service CU member-owner. Deposit just $5 to open your account!

  • Earn 5% APY on the first $5001
  • “Pay yourself first” and plan for your future
  • Access additional accounts options, apply for credit cards and loans
  • Utilize members-only services
Classic Checking

Everyday Checking

Everyday Checking is our free checking account that offers three levels of benefits: Basic, Direct Deposit and Direct Deposit+.

  • Get paid up to two days early with direct deposit2
  • Mobile bill pay and remote check deposit3
  • Rewards on debit card purchases4
  • Flexible and personalized to fit YOUR needs
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Certificates

A share certificate, similar to a CD, offers higher dividends that are compounded and credited monthly.

  • Grow your savings with one of our promotional certificate rates
  • 18-Month Share Certificate at 4.45% APY1
  • 15-Month Share Certificate at 5.15% APY1
  • 12-Month Share Certificate at 5.15% APY1

Discover the Service CU Difference

At Service CU, our members are part owners. This means what’s important to you is important to us. Whether it’s saving for the future or bettering your financial health, we’re here to create a better future together.

  • Easy Application Process – Applying to become a member takes just 5 minutes, and the application is free!
  • ATM and ISA Fee Reimbursements – As a Service CU member, you can receive up to $30 a month in ATM surcharge and foreign transaction fee rebates5.
  • Low Rates on Loans – Members enjoy .75% APR6 loan discounts on auto, personal, motorcycles and more!
  • Yearly Savings – Service CU members save an average of more than $236 per year on auto loans†† compared to a traditional banking institution.

Who Qualifies for Membership?

Anyone can become a member of Service Credit Union! Membership is automatically open to anyone in the below qualifying groups:

Military Members & DoD Employees

Active duty military, veterans, anyone who currently works (or worked) for the Department of Defense, and their families are automatically eligible to join Service CU.

Members of the ACC or FFA

Not a member of the American Consumer Council (ACC) or Financial Fitness Association (FFA)? We’ll help you enroll – the process is quick and easy! Visit the ACC online, click “join now” and use promo code “Service” to join free of charge.

Click here to learn more about the FFA. Once you join the FFA, a confirmation email will come directly to you with all of your login credentials.

Members of One of Our Select Employer Groups

We partner with hundreds of businesses across many different industries to offer a seamless process for their employees to become Service CU members. If you’re on their team, you can quickly join ours!

What’s Important to You is Important to Us.
That’s Membership with Meaning!

Ready to Get Started?

To apply online, by phone or in-branch, you’ll just need the following7:

Social Security Card

Social Security Number

ID Card

Driver’s License or Government ID

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Current Home Address

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$5 for Depositing & a Credit Card or Bank Routing Number to Fund your Account

1 Annual Percentage Yield (APY) is accurate as of the last dividend declaration date of 03/01/2024 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 earnings 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.

2 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 eligible for membership.

3 Must be at least 18 years old to deposit checks remotely. Members between the ages of 13 and 17 years old must have a parent/legal guardian accept the terms and conditions. Standard funds availability policy and other restrictions apply. Please see terms of use agreement for additional details. Checks deposited in real time are subject to Service CU discretion.

4 To earn rewards on debit card purchases, member must be eligible for and enroll in Service CU online banking, then join Purchase Rewards and activate the applicable offer before the eligible transaction occurs. Cash back rewards will automatically be applied to your checking account 30-45 days after the offer is redeemed. See Purchase Rewards Terms and Conditions for important details.

5 ATM surcharge fees and foreign transaction fees will be rebated up to $15 a month for the Direct Deposit Checking Account tier and up to $30 a month for the Direct Deposit+ Checking Account tier. Excludes Basic Checking Account tier. Rebates will be applied to account on the first business day of the following monthly cycle that the rebate eligibility requirements were met. ATM surcharge fee rebates would apply to fees imposed by non-network ATM owners/operators.

6 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 and checking account tier. The 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 member of Service CU or eligible for membership.

7 Not applicable for all situations or individual circumstances. We may require additional information or documentation pending membership application review.

Service CU Member Reviews