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Checking & Savings

Checking With Everyday and Dividend Checking from Service Credit Union, you can get paid early*, save on loans and manage your money effortlessly.
- Everyday Checking Service Credit Union members can choose from our free Everyday Checking account or our Dividend Checking and get paid up to two days early with direct deposit.*
- Dividend Checking Earn interest on your checking with Dividend Checking from Service Credit Union. Enjoy everyday banking benefits and get paid up to two days early.
Savings At Service Credit Union, we make saving for your future second nature. We offer traditional savings accounts, money markets, certificates, and much more.
- Primary Savings Start saving with just $5 in a Primary Savings account at Service Credit Union. Earn competitive APY, enjoy member benefits, and build your financial future.
- Military Savings Open a high-yield military savings account with Service Credit Union. Exclusive rates, easy access, and savings built for service members and their families.
- Youth Savings Help kids build smart money habits with a youth savings account from Service Credit Union. Earn dividends and support lifelong financial confidence.
- Holiday Club Save all year with a Holiday Club Savings account from Service Credit Union. Make regular deposits and get your balance in November for stress-free holidays.
Money Markets Grow your savings with a Service Credit Union money market account. Earn higher dividends with tiered rates while keeping access to your funds when needed.
Share Certificates Compare Service Credit Union share certificate terms and CD rates. Start with $500, earn dividends, and lock in a guaranteed rate. Open your certificate today.
Trusts Explore trusts at Service Credit Union and learn how they can help protect asset and support your family's future. Visit a branch or call us to get started.

Loans

Vehicle Loans
- Auto Loans Get competitive auto loan rates from Service Credit Union. Finance cars, trucks, or motorcycles with flexible terms and a fast online application.
- Auto Refinance Loans Love the car you have but don’t love the payment? Auto refinancing from Service Credit Union can help you save more with rates as low as 5.24% APR*.
- Motorcycle Loans Get competitive auto loan rates from Service Credit Union. Finance cars, trucks, or motorcycles with flexible terms and a fast online application.
- Recreational Vehicle Loans Get competitive vehicle loan rates from Service Credit Union. Finance ATV, RVs, Campers, and Boats with flexible terms and a fast online application.
Credit Cards Compare Service Credit Union credit cards with low interest rates, no hidden fees, and valuable rewards. Apply online and find the right card today.
- Visa Signature Everyday Elite Card Apply Online! Receive 1.5 rewards points for every $1 spent, and earn 15,000 bonus points when you spend $1,500 in the first 60 days.**
- Visa Everyday Card Apply for the Service Credit Union Everyday Visa Credit Card with no annual fee, flexible limits up to $20,000, and simple terms design to help build credit.
- Visa Everyday Starter Card Start building credit with the Service Credit Union Everyday Starter Visa Credit Card. Enjoy no annual fee, a manageable $1,000 limit, and simple terms design for beginners.
Personal Loans Low rates and fast approval when you need the funds Don’t let debt cast a dark cloud over your financial well-being. With a personal loan tailored to your specific needs, you can get back on […]
- Military Relocation Loans Service Credit Union is committed to helping improve the lives of those who serve. Military members can receive a .75% APR* loan discount on auto, motorcycle and personal loans with just DFAS direct deposit into a Service CU checking account.
- iBot Loans Finance an iBOT® Personal Mobility Device with a Service Credit Union loan. Accessible financing designed to support independence and mobility.
- Share Secured Loans With a share secured loan, you can borrow money and use your Service Credit Union savings account as collateral. That means you’ll pay less interest than you would on other types of loans aimed at people who don’t have much of a credit record—all while you’re building up your credit.
- Wedding Loans Fund your wedding with a flexible loan from Service Credit Union. Cover venue, catering, and more with affordable payments and no hidden surprises.
Student Loans Don’t let gaps in federal funding keep you from your education goals. We’ve partnered with Student Choice to provide you with the additional funds you need and features you want.

Mortgage & Home Equity

Mortgage Get better rates, lower closing costs, and peace of mind with our very competitive mortgage loan options. Home loans, built for real people.
- First-Time Homebuyer First-time home buyer loans from Service Credit Union. We help first-time homebuyers secure competitive mortgage rates and expertly guide you through every step.
- Jumbo Mortgage Finance high-value homes with jumbo mortgage loans from Service Credit Union. Competitive rates and flexible options for larger purchases.
- VA Mortgage VA Home Loans from Service Credit Union. Competitive VA mortgage rates and exceptional customer service make Service Credit Union the best VA mortgage lender.
Home Equity Loan Tap into your home’s value with a Service Credit Union home equity loan. Enjoy competitive rates, flexible terms, and expert guidance. Get started today.
HELOC A Home Equity Line of Credit (HELOC) is an affordable way to borrow money that’s secured against the value you’ve already built up in your home. Right now, enjoy a 12-month fixed rate as low as 2.50% APR*.
Construction Loans Build your home with a Service Credit Union construction loan. Finance land and construction with flexible terms and expert guidance. Get started today.
Mortgage Assistance Programs Explore mortgage assistance programs from Service Credit Union designed to help you manage payments and achieve homeownership with confidence.
Manufactured Home Financing Get affordable manufactured home financing from Service Credit Union. Fixed-rate loans for purchases or refinances, available in New Hampshire and Maine.
Mortgage Refinance

Services

Online & Mobile Banking Manage your money anytime with Service Credit Union digital banking. Access secure online and mobile tools for bill pay, check deposit, transfers, and more.
International Services Bank worldwide with Service Credit Union international services, including bill pay, SEPA transfers, and foreign currency. Contact us to get started.
- International Bill Pay Pay rent, utilities, and other bills abroad with Service Credit Union international bill pay. Schedule secure payments worldwide with confidence.
- SEPA Send and receive euros easily with SEPA transfers from Service Credit Union. Enjoy fast, reliable European payments using your IBAN and BIC.
- V PAY Shop across Europe with a V PAY debit card from Service Credit Union. Enjoy secure, widely accepted payments without foreign transaction surprises.
- Exchange Rates Quickly and easily view the accommodation rate and daily changes in rates for the Euro, Australian Dollar, British Pound, Canadian Dollar, Czech Republic Koruna, Norwegian Krone, Polish Zloty, Swedish Krona, Swiss Franc and Romanian Leu.
- Foreign Currency Banknotes Order foreign currency banknotes from Service Credit Union before you travel. Skip airport lines, get competitive exchange rates, and pick up at a U.S. branch.
Insure Protect what matters most with insurance options through Service Credit Union. Access discounted home, auto, renters, and specialty coverage. Contact us today.
- File a Claim Credit Life Insurance or Credit Disability Insurance claim? We are here to help! In your time of need, our claims process is simple for covered events. If you elected Credit Life Insurance or Credit Disability […]
Military Banking We are dedicated to providing services that fit the needs of our military members, including early paydays, International Bill Pay and a mobile app.
Invest
- Service Financial Group Plan for your future with investment services through Service Credit Union. Get personalized guidance for retirement and long-term financial goals.
- E-Invest Build goal-based portfolios and trade stocks with E-Invest in our mobile app. Try the simulator, no minimums, and robo investing for members overseas now.

Commercial

Commercial Banking Manage your business finances with Service Credit Union business banking. Access checking, savings, lending, and digital tools built to support your growth.
- Checking Manage daily expenses with a Service Credit Union business checking account. Flexible options, digital tools, and support built for businesses of all sizes.
- Savings Compare business savings at Service Credit Union, including money market and share certificates. Earn dividends, keep funds accessible, and bank online today.
- Online Banking & Bill Pay Manage your business finances anywhere with online and mobile banking from Service Credit Union. Access bill pay, cash management, and digital tools.
- Partner Services Support your business with partner services through Service Credit Union. Access digital tools and integrated solutions that simplify operations and save time.
- Business Resources Access business resources and financial tools from Service Credit Union. Find guidance, information, and support to help your business operate smoothly.
Credit Cards Enjoy benefits such as an auto rental collision damage waiver, purchase security and extended protection, roadside Dispatch®, travel and emergency assistance services and a cell phone protection plan, all while earning uChoose Rewards® points for every dollar spent.
Loans Explore business and commercial loans from Service Credit Union, including equipment financing, lines of credit, and growth-focused funding.
- SBA Loans Get SBA loans through Service Credit Union with flexible terms and expert guidance. Financing designed to help your small business grow.
- Commercial Line of Credit Access flexible business funding with a Service Credit Union commercial line of credit. Cover expenses, manage cash flow, and draw funds when you need them.
- Auto Loans No matter what it takes to keep your business rolling, we can write loans that put you behind the wheel, at competitive rates.
- Equipment Financing Finance new or used equipment with Service Credit Union equipment loans. Competitive rates and flexible terms help your business move forward.
- Commercial Mortgages Finance your next business property with a commercial mortgage from Service Credit Union. Competitive rates, flexible terms, and expert local support.

man in the streets of japan

Flexible Personal Loans for Life’s Big Moments

Quick approvals, low rates and no application fees. Get the funds you need, when you need them.

Borrow With Confidence. Spend With Flexibility.

Unexpected expenses? Major life milestone? A personal loan from Service Credit Union gives you the flexibility to handle it all. With fast approvals and competitive rates, you can borrow up to $50,000^* without the hassle.

Fast approvals

Get your funds quickly when you need them most.

Flexible terms

Choose a repayment plan that fits your budget.

No application fees

More money stays in your pocket.

Use for anything

Debt consolidation, travel, medical bills, auto repairs, moving expenses and more.

Personal Loan

Fixed rates starting at 24% APR*
Borrow up to $30,000*
No application fee

Personal Line of Credit

Rates starting at 11.99% APR*
Flexible access to funds as you need them
Revolving credit line

Energy Efficiency Loan

Rates starting at 9.24% APR*
Finance home heating and energy-efficient improvements

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

What Would My Loan Payment Look Like?

^*Rates shown are Annual Percentage Rate (APR), accurate as of 06/01/2026 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: 11.99% APR less .75% = 11.24%). 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 checking account 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 establish membership with $5 in a Primary Savings Account.