Skip to Main Content

Discover the Service CU Difference

At Service Credit Union, we are dedicated to providing products and services that fit the unique needs of our members. It also means providing access to a 24/7 contact center and a mobile app that allows you to stay on top of your finances wherever you are. Discover how Service CU can support you:

A graphical illustration of a piece of a money bag with a piggy bank within it

Share Savings

A Share Savings account is the first step to joining the Service Credit Union family. Since we’re owned by our community of savers, your initial deposit says you’re one of us. It couldn’t be simpler; just deposit at least $5, and you’re in.

A graphical illustration of a money bag with two people standing in it

Youth Club

Learning to save is a lifelong habit, starting with a kid’s first allowance. We make saving fun with our Youth Club.

Visit your local branch to open an account or call us toll-free at 800-936-7730 (U.S.) or 00800-4728-2000 (Int’l).

A graphical illustration of a piece of a money bag with a Christmas tree within it

Holiday Club

The holiday season always seems to come up fast! Smart shoppers plan ahead by setting aside regular contributions to a special higher-dividend savings account. It’s a painless way to make sure you have your gift list covered.

A graphical illustration of a money bag with a blue ribbon in it


A certificate is a savings account where you set aside money for a period of time, from six months to five years. In return, you earn more dividends than you can with regular savings.

A graphical illustration of a money bag holding an upwards arrow

Money Market

A money market is a great place to put your savings when your balance grows larger than $2,500. Why? Because a money market pays higher dividends than regular savings accounts—and you get checks for the account.

A graphical illustration of a money bag with two hands shaking inside


Trusts are like savings accounts, but the money you (as the trustee) deposit is managed for the benefit of someone else (the beneficiary). You can use trusts to help with your estate planning, or to set money aside for a specific purpose or person. We offer informal and formal trusts.

A graphical illustration of an auto loan

Vehicle Loans

Most people need a car—yet most don’t like the process of buying one. At Service Credit Union, we take away the stress of financing a new or used car with the most competitive rates out there. In fact, if you find a better auto loan rate than ours, we’ll pay you $100*. And with our Indirect Lending program, you can arrange your loan straight from the dealer.

Credit Card

Credit Cards

Credit cards offer more financial flexibility than debit cards, along with valuable benefits. Some earn reward points, while others provide cash back or cover extended warranties on your purchases.

A graphical illustration of a piece of paper with a dollar sign and check mark on it

Personal Loans

Personal loans are just that—personalized for your needs. They’re unsecured (not protected by a guarantor, or collateralized by a lien on specific assets of the borrower) and have flexible terms and repayment plans.

A graphical illustration of a hand holding a house with a dollar sign in it

Mortgages/Home Equity Loans

From your first home to a jumbo loan, we have you covered.


Business & Commercial Loans

Service Credit Union is passionate about helping businesses in our community. We can provide the capital you need to grow your existing business, build or develop a new business, or buy vehicles or equipment, and we can even advise on applying for government-backed Small Business Administration (SBA) loans.

A graphical illustration of a piece of paper with a dollar sign and a graduation cap on it

Student Loans

The Smart Option Student Loan® for Service Credit Union is offered by Sallie Mae®. These private loans, for students at degree-granting institutions, have no origination fee or prepayment penalty. They can be fixed rate or variable rate. You can defer repayment until after you graduate or make small payments while you’re still in school.

Who Qualifies for Membership?

There are many ways to become a member of Service Credit Union! Membership is open to anyone in the below qualifying groups:

  • Active duty military, veterans, and their families
  • Anyone who currently works (or worked) for the Department of Defense, as well as their families
  • Members of one of our Select Employer Groups
  • Members of the American Consumer Council (ACC). Not a member? Visit the ACC online, click “join now” and use promo code “Service” to join free of charge.
  • Members of the Financial Fitness Association (FFA).  Not a Member? Learn more about the FFA by clicking here. Ready to join? We’ll help you get signed up! Once you join the FFA, a confirmation email will come directly to you with all of your login credentials.

Ready to Get Started?

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

  • Social Security Number
  • Driver’s License or Government ID
  • Current Home Address
  • Credit Card or Bank Routing Number to Fund your Account
  • $5 for depositing and 5 minutes

*Members of Service CU who fall into the Direct Deposit+ tier of our Everyday Checking account, on average save $236.49 a year based on ATM Surcharge reimbursement, ISA fee reimbursements and having auto loan that is $24,580.73 for 65 months at a discounted rate of 3..38% APR.