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Banking That Moves With You

Here for Our Military Members
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Welcome to USAG Stuttgart. We’re excited to serve you.

Named 2019 Army Credit Union of the Year

At Service Credit Union, we are dedicated to providing products and services that fit your unique needs. For our military members, that means an account that moves with you to your duty station, access to our 24/7 contact center, discounted loans,* International Bill Pay,** ATM fee reimbursements*** and more. We are also proud to provide in-person service at two branch offices in USAG Stuttgart:

We also have five conveniently located ATMs in USAG Stuttgart:

  • Kelley Barracks in Building 3312
  • Patch Barracks Building 2325 (next to branch)
  • Patch Express in Building 2349
  • Panzer Kaserne Building 2915 (next to branch)
  • Panzer PX Building 2903

 

USAG Stuttgart

Get Started

Check out our Newcomers' Guide to Service Credit Union.

Primary Savings

As a member-owner of Service Credit Union, you’ll earn 5% APY on the first $500 and 0.25% APY on all funds over $500 from day one.**** From there, you can open a checking account, apply for a credit card and enjoy other member services. Think of Primary Savings as an invitation to share in our members’ success.

Everyday Checking

Our Everyday Checking account offers three levels of benefits: Basic, Direct Deposit and Direct Deposit +. Have direct deposit from DFAS, the Coast Guard or National Guard? You’ll automatically receive our highest level of checking account benefits including a 0.75% APR* discount on all auto, motorcycle or personal loans and $30 monthly in ATM reimbursements.***

Want to earn more? With Dividend Checking, you’ll get the same features as Everyday Checking, but you’ll earn dividends. Monthly maintenance fees are waived for daily balances over $1,500.±

Discounted Auto Loans

However you get around, we have a variety of loans to meet your transportation needs. From new and used cars to motorcycles and scooters, we make purchasing a new vehicle fast, easy and affordable. Check out our current rates.

Relocation Loan

Need help with the cost of your move? Our Relocation Loan±± is specifically designed to get you the funds you need to make your PCS easier.

Insurance

If you’re serving or working overseas, we can help you get auto, household and life insurance in many locations. Learn more.

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Newcomers Guide

Extra Benefits Just for You

Early Pay Day

Get paid early±±±. With direct deposit into your Service Credit Union account, your paycheck may arrive up to two days earlier than scheduled.

Shared Branching & Convenient ATMs

Our robust branch access includes shared branching where members have access to hundreds of credit unions and nearly 85,000 surcharge-free ATMs worldwide, through the CO-OP and Allpoint Networks, to provide greater convenience and personal service.

International Bill Pay

Schedule payments from around the world with our International Bill Pay services**. Payments are available in 18 currencies to more than 40 countries.

  • Use for anything from utility bills to foreign parking tickets.
  • One-time payments available from any share account; use checking to schedule recurring payments.
  • Payments go directly to your payee or creditor.
  • Online payments can be made in the Euro, British Pound, Canadian Dollar, Swiss Franc, Australian Dollar, Norwegian Krone, Polish Zloty, Swedish Krona, Romania Leu and the Czech Republic koruna. You can access additional currencies by phone, chat or in branch. Those currencies include Bulgarian Lev, Danish Krone, Hong Kong Dollar, Hungarian Forint, Israeli Shekel, New Zealand Dollar, Singapore Dollar, and South African Rand.
  • Receive an IBAN (International Bank Account Number) with your account for foreign bill payments. Some vendors, such as cellphone providers, require an IBAN for direct debit billing to your checking account.

V Pay

Major credit and debit cards are often not accepted by European merchants, but V PAY offers a smart and secure way to shop. V PAY operates as a Single Euro Payments Area (SEPA) debit card by processing purchases in currencies accepted by V PAY networks.

  • Transacts purchases in currencies accepted by V PAY networks.
  • Order online or at any branch in Germany.
  • Checking account required.
  • Contactless (touch and go) payment capability – restrictions apply.±±±±

Mobile App

Access our live chat, apply for a loan or transfer money to a friend, all from within our mobile app. Learn more here.

*Loan Discounts do not apply to real estate, lines of credit, business loans, certificate or share secured consumer loans, or VISA loans. Discount will be applied to the APR that a member qualifies for based on creditworthiness and checking account tier. The collateral age and loan term may impact the APR offered. Members must maintain the checking account tier qualifications for the life of the loan in order to keep their loan discount. Discount conditions will be set forth in your loan contract. Floor rate may apply. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

**One-Time and Recurring Payment Orders are available from any share or share draft account with an available balance that is eligible to make transfers. If the account selected for payment does not have sufficient available funds at the time the transaction is processed an overdraft charge will be debited from the account and the associated payment may not be executed. Automatic debits are available only to merchants in Europe. Select any day of the week to make recurring payments weekly, biweekly, monthly, or quarterly. International Bill Pay incurs a $1.00 fee per online or mobile transaction and for recurring payments. One-time International Bill Pay transactions initiated in a branch, over the phone or through chat incur a $2.00 fee per transaction. Service CU is not liable for and has no influence over the conversion rate applied to the conversion of the funds. All payments are transferred in the selected currency. If the beneficiary accounts to which the funds are ultimately credited is not denominated in the selected currency, the amount will be converted to the appropriate currency (i.e. British Sterling, Swiss Franc, Swedish Kroner, etc.) or returned by the receiving financial institution. Any funds returned to Service CU will be converted using the reconversion rate in effect on the date of credit.

***ATM surcharge fees and foreign transaction fees will be rebated up to $15 a month for the Direct Deposit Checking Account tier and up to $30 a month for the Direct Deposit+ Checking Account tier. Excludes Basic Checking Account tier. Rebates will be applied to account on the first business day of the following monthly cycle that the rebate eligibility requirements were met. ATM surcharge fee rebates would apply to fees imposed by non-network ATM owners/operators.

****Annual Percentage Yield (APY) is accurate as of the last dividend declaration date of 07/01/2025 and subject to change without notice. Dividends paid on daily balances of up to $500; variable APY of 5.00%. If actual daily balance exceeds $500, the remaining balance will receive variable APY of 5%-0.25%. Dividends are calculated based on the daily balance with the sum of the daily earnings credited on the last day of each month. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. 

±Must be a member of Service Credit Union or eligible for membership with at least $5 in a Primary Savings Account. Dividend Checking earns .15% variable Annual Percentage Yield (APY). Rate is accurate as of 07/01/2025. There is a monthly maintenance fee of $10.00, if the balance falls below $1500.00 on any calendar day. The fee is assessed on the last day of the month. Please see our Fee Schedule for a full list of benefits.

±±Military and civilian personnel with PCS (Permanent Change of Station) orders or deployment orders to any overseas duty stations are eligible for the Relocation Loan. Temporary duty assignments are not eligible. Loan applications must be received within 120 days before or after the member’s reporting date to new assignment. Underwriting and creditworthiness factors apply. Only one (1) Relocation Loan authorized at a time. Must be a member with direct deposit into a Service CU account to qualify. Additional “Relocation Loan” terms and limitations apply.

±±±Immediate credit of your direct deposit to your Service CU account up to two (2) business days early is based upon when we receive your payroll from your employer. Service CU cannot assume any liability for not depositing these funds to your account early. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

±±±±Contactless payment transactions may only be completed for individual transactions under €50. Upon accumulating €150 of contactless payment transactions, a PIN entry will be required to reset the contactless limit cycle.