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Checking Rates

Rates accurate as of January 30, 2023.

Dividend Checking Rates

MINIMUM DAILY BALANCE TO OBTAIN APYDIVIDEND RATEANNUAL PERCENTAGE YIELD
$0.000.150%0.15%Open Now

Savings Rates

Rates accurate as of January 30, 2023.

Primary Savings Rates

MINIMUM DAILY
BALANCE TO OBTAIN APY
DIVIDEND RATEANNUAL PERCENTAGE YIELD
$5.00 (To Open An Account)Open a savings account Now
$0.00 - $500.004.889%5.00%Open a savings account Now
$500.01+0.250%5.00% - 0.25%Open a savings account Now

Club Rates

MINIMUM AVERAGE DAILY
BALANCE TO OBTAIN APY
DIVIDEND RATEANNUAL PERCENTAGE YIELD
$50.000.250%0.25%Open a savings account Now

Holiday Club Rates

MINIMUM DAILY BALANCE TO OBTAIN APYDIVIDEND RATEANNUAL PERCENTAGE YIELD
$0.01 - $3,000.00Tier 12.960%3.00%Open a holiday club account Now
$3,000.01+Tier 20.250%3.00% - 0.26%Open a holiday club account Now

Share & IRA Certificate Rates

MINIMUM DAILY
BALANCE TO OBTAIN APY
TERMDIVIDEND RATEANNUAL PERCENTAGE YIELD
$500.003 Months0.797%0.80%*Open a 3-month certificate Now
$500.006 Months2.960%3.00%*Open a 6-month certificate Now
$500.009 Months3.105%3.15%*Open a 9-month certificate Now
$500.0012 Months4.025%4.10%*Open a 12-month certificate Now
$500.0015 Months4.314%4.40%*Open a 15-month certificate Now
$500.0018 Months4.362%4.45%*Open a 18-month certificate Now
$500.0024 Months4.410%4.50%*Open a 24-month certificate Now
$500.0036 Months3.300%3.35%*Open a 36-month certificate Now
$500.0048 Months3.397%3.45%*Open a 48-month certificate Now
$500.0060 Months3.445%3.50%*Open a 60-month certificate Now

*Rate shown is Annual Percentage Yield (APY), accurate as of 01/30/23, and subject to change without notice. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. The dividend rate and APY may change on the 1st and 16th of every month, as determined by the Board of Directors.

IRA and ROTH IRA Accounts

MINIMUM AVERAGE DAILY
BALANCE TO OBTAIN APY
DIVIDEND RATEANNUAL PERCENTAGE YIELD
$50.000.598%0.60%Call 800-936-7730 to get started.

Money Market Rates

MINIMUM DAILY
BALANCE TO OBTAIN APY
DIVIDEND RATEANNUAL PERCENTAGE YIELD
$2,500.00Tier 10.549%0.55%Open a money market account Now
$25,000.00Tier 20.698%0.70%Open a money market account Now
$100,000.00Tier 31.687%1.70%Open a money market account Now

Deployed Warrior Savings Rates

MINIMUM DAILY BALANCE TO OBTAIN APYDIVIDEND RATEANNUAL PERCENTAGE YIELD
$0.00Tier 19.569%10.00%Contact us to determine if you qualify.
$10,000.00Tier 20.000%10.00% - 0.10%Contact us to determine if you qualify.

Warriors deployed in combat zones may deposit up to $10,000 into a Service CU Deployed Warrior Savings Account which earns 10% APY (Annual Percentage Yield) up to $10,000.00. $10,000.01 and above earns 0% APY. Rates are variable and subject to change; accurate as of 11/08/2022. Service member must be serving in a combat zone as defined by Service CU; orders of deployment to a combat zone must be provided. Direct deposit of net pay is required into members Service CU account. No minimum balance is required to open the Deployed Warrior Savings Account; $5 deposit is required to open a Primary Savings Account. Monthly deposits into a Deployed Warriors Savings Account cannot exceed the amount of your monthly net military pay; however, deposits into the Deployed Warrior Savings Account may be direct deposit, an allotment, or a transfer of funds from a Service CU account. Withdrawals are not permitted from a Deployed Warrior Savings Account. If a withdrawal is made from the Deployed Warrior Savings Account before the redeployment date plus 120 days, the funds in the Deployed Warrior Savings Account will be transferred to the Primary Savings Account, and the Deployed Warrior Savings Account will be flagged as closed. Deployed Warrior Savings Account will stop accruing 10% APY at the end of the month of return date per deployment orders plus 120 days. eCommunications is required.

Business Banking Rates

Rates accurate as of January 30, 2023.

Business Savings Rates

MINIMUM DAILY BALANCE TO OBTAIN APYTERMDIVIDEND
RATE
ANNUAL PERCENTAGE
YIELD
$50.00MO0.250%0.25%Call 800.296.4644 to get started.

BusinessPlus Checking Rates

MINIMUM AVERAGE
DAILY BALANCE TO
OBTAIN APY
TERMDIVIDEND
RATE
ANNUAL PERCENTAGE
YIELD
$10,000.00MO0.349%0.35%Call 800.296.4644 to get started.
$25,000.00MO0.399%0.40%Call 800.296.4644 to get started.

Business Money Market Rates

MINIMUM DAILY BALANCE TO
OBTAIN APY
TERMDIVIDEND
RATE
ANNUAL PERCENTAGE
YIELD
$2,500.00MO0.549%0.55%Call 800.296.4644 to get started.
$25,000.00MO0.698%0.70%Call 800.296.4644 to get started.
$100,000.00MO1.687%1.70%Call 800.296.4644 to get started.

Business Share Certificate Rates

MINIMUM DAILY BALANCE TO
OBTAIN APY
TERMDIVIDEND
RATE
ANNUAL PERCENTAGE
YIELD
$500.003 Months0.797%0.80%Call 800.296.4644 to get started.
$500.006 Months2.960%3.00%Call 800.296.4644 to get started.
$500.009 Months3.105%3.15%Call 800.296.4644 to get started.
$500.0012 Months4.025%4.10%Call 800.296.4644 to get started.
$500.0015 Months4.314%4.40%Call 800.296.4644 to get started.
$500.0018 Months4.362%4.45%Call 800.296.4644 to get started.
$500.0024 Months4.410%4.50%Call 800.296.4644 to get started.
$500.0036 Months3.300%3.35%Call 800.296.4644 to get started.
$500.0048 Months3.397%3.45%Call 800.296.4644 to get started.
$500.0060 Months3.445%3.50%Call 800.296.4644 to get started.

Rate shown is Annual Percentage Yield (APY), accurate as of 01/30/23, and subject to change without notice. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. The dividend rate and APY may change on the 1st and 16th of every month, as determined by the Board of Directors.

Business Secondary Savings Rates

MINIMUM DAILY BALANCE TO OBTAIN APYTERMDIVIDEND
RATE
ANNUAL PERCENTAGE
YIELD
$50.00MO0.250%0.25%Call 800.296.4644 to get started.

Personal Loan Rates

Rates accurate as of January 30, 2023.

Personal Loan Rates

Rates Starting At:
Personal Loan8.99% APR*Apply Now
Personal Line of Credit9.99% APRApply Now
Energy Efficiency Loan8.49% APR*Apply Now

*Rates shown are Annual Percentage Rate (APR), accurate as of 11/08/22 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: 9.74% APR less .75% = 8.99%). 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.

Vehicle Loan Rates

Rates accurate as of January 30, 2023.

*Rates shown are Annual Percentage Rate (APR), accurate as of 11/8/22 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: 6.74% APR less .75% = 5.99%). Up to a .75% discount will be applied to the APR that a member qualifies for based on creditworthiness 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. Cannot be combined with any other offer. Must be member of Service CU or eligible for membership.

Credit Card Rates

Rates accurate as of January 30, 2023.

Visa® Credit Card Rates

CREDIT CARDS:RATES STARTING AT:
Visa® Everyday Card12.40% APR*Apply Now
Visa® Signature Everyday Elite Card18.00% APR*Apply Now
Visa® Everyday Preferred Card16.40% APR*Apply Now

*Rate shown is Annual Percentage Rate (APR), and is subject to change without notice. Loan approval and APR subject to credit worthiness.

Mortgage/Home Equity Rates

Mortgage/Home Equity Rates

Rates effective as of: 2/3/2023 9:17:13 AM (ET).

PRODUCTRATEPOINTSANNUAL PERCENTAGE RATE
30 Year Fixed Rate Mortgage5.875%06.036%
15 Year Fixed Rate Mortgage5.000%0.1255.282%
30 Year Fixed VA5.625%05.784%
30 Year Fixed Mortgage Construction Single Close6.125%06.240%
Home Equity Line of Credit 12 Mo Fixed Rate Promo*3.990%03.990%

The displayed rates for conventional loans assume a loan amount of $250,000 for a single-family, owner-occupied purchase transaction with a down payment of 40% and a credit score of 740 or higher.  VA rates assume a loan amount of $250,000 and no down payment.  Conventional jumbo loans assume a loan amount of $726,200 and a 40% down payment. VA jumbo assumes a loan amount of $726,200 with no down payment.  Payment examples can be obtained by clicking the calculate payments button above and do not include taxes or insurance premiums.  Payment obligation will be higher. Appraisal rebate of up to $695 will be applied for purchase loans only. A purchase loan is the financing connected to the purchase of a property involving the transfer of title from seller(s) to buyer(s). Applicant(s) will be required to pay estimated cost of the appraisal up front. Rebate will be applied as a credit at closing towards the total amount paid for the appraisal associated. Credit will not exceed amount paid and cannot be transferred or exchanged for cash equivalent. Subject to change or be discontinued at any time.


*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.

Exchange Rates

Exchange Rates

Stay informed on the current exchange rates for foreign currency instruments offered at our Overseas Branch locations and through our International Bill Pay service. Exchange rates are subject to change without notice; they are normally updated as of 4pm CET on regular business days.

Last updated: 02/03/2023

CurrencyAccomodation Rate (Sale to Members): $1=Change in Accomodation RateReconversion Rate (Bought from Members): $1=Valid From
Euro* (EUR)0.8929Increased 0.938702/04/2023
Bulgarian Lev (BGN)1.7027Increased 02/04/2023
Czech Koruna* (CZK)20.6771Increased 02/04/2023
Danish Krone (DKK)6.4806Increased 02/04/2023
British Pound* (GBP)0.7783Increased 02/04/2023
Polish Zloty* (PLN)4.0848Increased 02/04/2023
Romanian Leu* (RON)4.2710Increased 02/04/2023
Swedish Krona* (SEK)9.8495Increased 02/04/2023
Swiss Franc* (CHF)0.8699Increased 02/04/2023
Norwegian Krone* (NOK)9.5562Increased 02/04/2023
Australian Dollar* (AUD)1.3466Increased 02/04/2023
Canadian Dollar* (CAD)1.2689Increased 02/04/2023
Hong Kong Dollar (HKD)7.4481Decreased 02/04/2023
Israeli New Shekel (ILS)3.2366Decreased 02/04/2023
New Zealand Dollar (NZD)1.4694Increased 02/04/2023
Singapore Dollar (SGD)1.2456Increased 02/04/2023
South African Rand (ZAR)16.2785Increased 02/04/2023

 
 
Exchange rates are not updated on weekends, US Federal Holidays, or on holidays observed by Military Banking Institutes. In those cases, the exchange rates will be in effect until new rates are available. The Euro rate listed is the Official Military Exchange Rate. Please note that these rates do not apply to the Stateside Foreign Currency Banknote service.
* These currencies are available through our online banking International Bill Pay service.