Understanding Your Credit

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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 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.*
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 Deposit $5 to open a primary savings account with Service Credit Union and earn 5% APY on the first $500 and .25% APY on all funds over $500*.
- Military Savings We are proud to serve our armed forces, veterans and their families. If you are a part of one of these groups, apply for an SCU military savings account today.
- Youth Savings In Service Credit Union’s Youth Club, kids enjoy a 5% APY on the first $500 and .25% APY on all funds over $500** through our Primary Savings Account.
- Holiday Club Set up a special high-dividend savings account to set aside for the holidays or any special event. Decide how much you want to save, then make regular deposits.
Money Markets Deposit at least $2,500 to open a money market account with Service Credit Union. The more you deposit, the higher your dividend rate!
Share Certificates Share certificates from Service Credit Union are like a CD and offer a smarter way to save more with rates as high as 4.15% APY*. Open your certificate today!
Trusts Service Credit Union offers two types of trusts. Visit a branch or call us today to learn more about establishing a trust to save for your family’s future.

Loans

Auto Loans Auto loan rates as low as 4.99% APR*. We take away the stress of financing a car or motorcycle with the most competitive rates out there. Apply online 24/7.
- 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*.
Credit Cards Apply now for Service Credit Union credit cards offering low interest rates and no annual fees. Enjoy exclusive member benefits and rewards
- 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 The Everyday Visa credit card has a limit of up to $20,000, no annual fee and no hidden APR increases** for late payments, and no surprises.
- Visa Everyday Starter Card The Everyday Starter Visa credit card has a limit of up to $1,000, no annual fee and no hidden APR increases** for late payments.
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 Introducing a New Experience in Personal Mobility For individuals who rely on wheelchairs, the world is not as accessible as it should be. That’s why Service Credit Union has partnered with Mobius Mobility to offer […]
- 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 Here for You, From “I Do” to “We Do” You deserve your dream wedding, and we’re here to help. A wedding loan is a smart way to pay for your big day without using up […]
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 Jumbo Mortgages from Service Credit Union. Offering competitive jumbo mortgage rates for primary or secondary residential homes, vacation properties and more.
- 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 We offer two ways to tap your home equity: a fixed-rate loan for a set amount, and a variable rate line of credit.
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*.
New Construction Loans Home construction loans from Service Credit Union. Our new home construction loans cover land and construction costs and even offer interest-only payments.
Mortgage Assistance Programs Explore Service Credit Union’s mortgage assistance programs designed to help you manage your mortgage payments. Find personalized support and solutions today.

Services

Online & Mobile Banking We’ve taken our online banking services to the next level. These enhancements aim to make your banking experience smoother, wherever you take us.
International Services International Bill Pay, SEPA, Foreign Currency Banknotes and VPay
- International Bill Pay International Bill Pay allows you to schedule payments for things like rent or utilities easily no matter where you are in the world.*
- SEPA SEPA makes European payments simple and quick. When giving a SEPA authorization to debit your account, you’ll need to present your International Bank Account Number (IBAN) and Bank Identifier Code (BIC).
- V PAY Since many European merchants don’t accept major credit and debit cards, V PAY offers a smart and secure way to shop. All you need to get a V PAY card is a Service Credit Union checking account.
- 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 Skip the lines at the airport or train station, and buy foreign currency before you travel internationally. We offer fast currency delivery to any Service Credit Union branch within the United States.
Insure Service Credit Union partners with trusted insurance providers to give you access to discounted coverage on your home, apartment, car and many other needs.
- 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 Helping plan for life's events; expected and unexpected – Experienced Service Financial Group professionals located at Service Credit Union will listen to your needs and help you make the right financial decisions for you and your family. For more information and to talk to someone you can count on, please contact a Service Financial Group representative for a no cost, no-obligation consultation.
- E-Invest

Business

Business Banking Service Credit Union is proud to be a trusted partner of the businesses that form the granite backbone of New Hampshire’s growing economy.
- Checking Business checking options for businesses of all sizes.
- Savings Choose from a variety of savings options for your business.
- Online Banking & Bill Pay Manage your business’ finances anywhere, anytime with Service Credit Union’s Online and Mobile Business Banking system.
- Partner Services Digital Invoicing and Payment Acceptance Platform Accessible from online banking and our mobile app, Autobooks is a solution for your small business to create invoices and receive payments faster. Autobooks is an emerging leader in […]
- Business Membership Application Thank you for your interest in becoming a business member. As a new member, we will require you to open a Business Savings account which you can do online here. You will be prompted to […]
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 Every business needs room to grow. Commercial real estate and construction loans allow you to purchase new facilities, renovate your current workplace, or even develop properties for commercial use. Our business services team will work with you to create a tailored financial solution to meet your property and construction needs.
- SBA Loans Get SBA loans tailored to your business needs with Service Credit Union. Flexible terms, competitive rates, and expert guidance to help your small business thrive.
- Business Line of Credit Our business line of credit is always there when you need it, whether to pay bills, cover an unexpected expense or reach for the stars.
- 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 Get the gear you need at competitive rates; from new to used, for a small business or a major factory upgrade.
- Commercial Mortgages Get cash for new constructions, renovations or commercial development.

Join Now

Wondering how your credit score is calculated, and what you can do to improve it? Whether you’re buying a home, applying for a credit card, or getting a loan, your credit score can affect things such as rates and purchasing power. Download this guide to Understanding Your Credit from our partners at GreenPath™ Financial Wellness to educate yourself on what goes into a credit score.

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