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Checking Rates

Rates accurate as of January 16, 2021.

Dividend Checking Rates

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

Savings Rates

Rates accurate as of January 16, 2021.

Primary Savings Rates

MINIMUM AVERAGE 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%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 AVERAGE DAILY BALANCE TO OBTAIN APY DIVIDEND RATEANNUAL PERCENTAGE YIELD 
$0.01 - $3,000.00Tier 12.960%3.00%Open a holiday club account Now
$3,000.01+Tier 20.250%0.25%Open a holiday club account Now

Share & IRA Certificate Rates

MINIMUM AVERAGE DAILY
BALANCE TO OBTAIN APY
TERMDIVIDEND RATEANNUAL PERCENTAGE YIELD 
$500.003 Months0.499%0.50%*Open a 3-month certificate Now
$500.006 Months0.549%0.55%*Open a 6-month certificate Now
$500.009 Months0.549%0.55%*Open a 9-month certificate Now
$500.0012 Months0.549%0.55%*Open a 12-month certificate Now
$500.0015 Months0.549%0.55%*Open a 15-month certificate Now
$500.0018 Months0.549%0.55%*Open a 18-month certificate Now
$500.0024 Months0.648%0.65%*Open a 24-month certificate Now
$500.0036 Months0.747%0.75%*Open a 36-month certificate Now
$500.0048 Months0.857%0.86%*Open a 48-month certificate Now
$500.0060 Months0.995%1.00%*Open a 60-month certificate Now

*Rate shown is Annual Percentage Yield (APY) 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.

Money Market Account Rates

MINIMUM AVERAGE DAILY
BALANCE TO OBTAIN APY
 DIVIDEND RATEANNUAL PERCENTAGE YIELD 
$2,500.00Tier 10.499%0.50%Open a money market account Now
$25,000.00Tier 20.598%0.60%Open a money market account Now
$100,000.00Tier 30.747%0.75%Open a money market account Now

Deployed Warrior Savings Rates

MINIMUM AVERAGE DAILY BALANCE TO OBTAIN APY DIVIDEND RATEANNUAL PERCENTAGE YIELD 
$0.00Tier 19.569%10.000%Contact us to determine if you qualify.
$10,000.00Tier 20.000%0.000%Contact us to determine if you qualify.

Deployed Warriors are defined as members who are assigned to or who have returned in the past 120 days from peacekeeping operations, hostile environments, or combat/war zone areas where our troops are in imminent danger of enemy attack (PCS does not qualify).

Business Banking Rates

Rates accurate as of January 16, 2021.

Business Savings Rates

MINIMUM AVERAGE
DAILY BALANCE TO
OBTAIN APY
TERMDIVIDEND
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 Account Rates

MINIMUM AVERAGE
DAILY BALANCE TO
OBTAIN APY
TERMDIVIDEND
RATE
ANNUAL PERCENTAGE
YIELD
 
$2,500.00MO0.499%0.50%Call 800.296.4644 to get started.
$25,000.00MO0.598%0.60%Call 800.296.4644 to get started.
$100,000.00MO0.747%0.75%Call 800.296.4644 to get started.

Business Share Certificate Rates

MINIMUM AVERAGE
DAILY BALANCE TO
OBTAIN APY
TERMDIVIDEND
RATE
ANNUAL PERCENTAGE
YIELD
 
$500.003 Months0.499%0.50%Call 800.296.4644 to get started.
$500.006 Months0.549%0.55%Call 800.296.4644 to get started.
$500.009 Months0.549%0.55%Call 800.296.4644 to get started.
$500.0012 Months0.549%0.55%Call 800.296.4644 to get started.
$500.0015 Months0.549%0.55%Call 800.296.4644 to get started.
$500.0018 Months0.549%0.55%Call 800.296.4644 to get started.
$500.0024 Months0.648%0.65%Call 800.296.4644 to get started.
$500.0036 Months0.747%0.75%Call 800.296.4644 to get started.
$500.0048 Months0.857%0.86%Call 800.296.4644 to get started.
$500.0060 Months0.995%1.00%Call 800.296.4644 to get started.

Rate shown is Annual Percentage Yield (APY) 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 AVERAGE
DAILY BALANCE TO
OBTAIN APY
TERMDIVIDEND
RATE
ANNUAL PERCENTAGE
YIELD
 
$50.00MO0.250%0.25%Call 800.296.4644 to get started.

Personal Loan Rates

Rates accurate as of January 16, 2021.

Personal Loan Rates

 Rates Starting At: 
Personal Loan6.49% APR*Apply Now
Personal Line of Credit9.99% APRApply Now
Energy Efficiency Loan8.49% APR*Apply Now

*Rates shown are Annual Percentage Rate (APR) 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 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. Refinances of existing Service CU personal loans require a minimum of $500 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 16, 2021.

*Rates shown are Annual Percentage Rate (APR), accurate as of 01/15/21 and subject to change without notice. Rates advertised with a 1.00% reduction. A .75% reduction is available for the Direct Deposit+ checking account tier (example: 3.24% APR less .75% = 2.49%). An additional 0.25% reduction is available for active duty military members. Rate does not apply for guard or reserve members, or veterans. Up to a 1.00% 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.

Rates shown are Annual Percentage Rate (APR), accurate as of 01/15/2021 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: 3.24% APR less .75% = 2.49%). 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 16, 2021.

Visa® Credit Card Rates

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

**Existing Service Credit Union cardholders are not eligible for introductory APR. 0% Introductory rate valid on all purchases, cash advances, and balance transfers for first 6 billing cycles. After this period, the rate on your remaining balance will revert to your qualified rate between 8.15% and 16.15% APR, based on your creditworthiness. This rate is variable and subject to change with the WSJ Prime Rate. Balance transfers of existing balances on any SCU loan does not qualify for the 0% introductory rate. Eligible Service CU members must be in good standing. Other terms and conditions may apply.

***Existing Service Credit Union cardholders are not eligible for introductory APR. 0% Introductory rate valid on all purchases, cash advances, and balance transfers for first 12 billing cycles. After this period, the rate on your remaining balance will revert to your qualified rate between 14.15% and 18.00% APR, based on your creditworthiness. This rate is variable and subject to change with the WSJ Prime Rate. Balance transfers of existing balances on any SCU loan does not qualify for the 0% introductory rate. Eligible Service CU members must be in good standing. Other terms and conditions may apply.

Mortgage/Home Equity Rates

Mortgage/Home Equity Rates

The displayed rates for conventional loans assumes 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 $548,251 and a 40% down payment. VA jumbo assumes a loan amount of $548,251, with no down payment.  Payment examples do not include taxes or insurance premiums.  Payment obligation will be higher.

Displayed rates include a .125% rate discount for an ACH direct deposit into a Service Credit Union checking account and automatic payment of the mortgage from the Service Credit Union checking account for the term of the loan.

Exchange Rates

Exchange Rates

CurrencyAccomodation Rate (Sale to Members): $1=Change in Accomodation RateReconversion Rate (Bought from Members): $1=Valid FromValid To
Euro (EUR)0.8013-0.00100.842301/27/202101/27/2021
Australian Dollar (AUD)1.2325+0.001001/27/202101/27/2021
British Pound (GBP)0.6952+0.000201/27/202101/27/2021
Canadian Dollar (CAD)1.2090-0.000701/27/202101/27/2021
Czech Republic Koruna (CZK)20.3911-0.022301/27/202101/27/2021
Norwegian Krone (NOK)8.1227+0.058701/27/202101/27/2021
Polish Zloty (PLN)3.5543+0.003201/27/202101/27/2021
Swedish Krona (SEK)7.8638-0.007801/27/202101/27/2021
Swiss Franc (CHF)0.8426-0.000801/27/202101/27/2021
Romanian Leu (RON)3.8081-0.005101/27/202101/27/2021

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The Euro rate listed is the Official Military Exchange Rate.