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Simplified Banking for Our Military Heroes

VA Lending for Homebuying Become a Member

Get to Know the Ways We Serve You

At Service Credit Union, we are dedicated to providing products and services that fit the unique needs of our members. For our military members, moving from base to base doesn’t mean having to close your account.

PCSing Overseas?

Service Credit Union Travels with You

Check out our Newcomers' Guide to Service Credit Union.

Have you received Permanent Change of Station (PCS) or Deployment Orders? Service Credit Union is here by your side through every move, in the U.S. or abroad. Check out the move order category that best describes you for more information and resources. View our FAQs.

 

Returning Home?

View our VA Lending Guide and learn how we can help you get into the home of your dreams.

 

Benefits of Banking With Service Credit Union

Early Pay Day

Early Pay Day

Why wait for payday when you can get your pay early? Set up a checking account with direct deposit at Service Credit Union, and enjoy the benefit of receiving your pay up to two days early.1
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Checking Accounts

Checking Accounts

With us, you don’t have to worry about account maintenance fees eating into your hard-earned money. Enjoy the convenience of checking accounts designed to suit your unique lifestyle.
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Special Military Savings Account

Special Military Savings Account

If you’re currently serving active duty in a combat zone as defined by Service Credit Union, you may qualify for an annual savings rate of 10% APY with a deposit of up to $10,000.2
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Discounts on Loans

Discounts on Loans

We understand that financial stability is key for our military members. That’s why we offer significant discounts on auto loans and personal loans, helping you secure your financial future without breaking the bank.3
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Convenient Branch Locations

Convenient Branch Locations

With 37 branches in the United States, branches located on 14 military bases in Germany, and more than 5,000 shared branches worldwide, you can access in-person services whenever you need them.
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Online & Mobile Banking

Online & Mobile Banking

Manage your finances right from your mobile device. With their Service Credit Union app, you can deposit checks4, transfer funds, pay bills, locate branches, and much more at your fingertips, anywhere, anytime.
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Surcharge-Free ATMs

Surcharge-Free ATMs

In addition to nearby branches, both home and away, we provide easy access to nearly 85,000 surcharge-free ATMs worldwide.
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24/7 Support

24/7 Support

We know that military service doesn’t follow standard business hours. That’s why our support team is available around the clock.
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Early Pay day

Early Pay Day

Active duty military members can get paid early¹ when they sign up for direct deposit with a Service Credit Union checking account. With our Early Pay service, your paycheck could arrive up to two days earlier. Below, find 2025’s early military pay day calendar:

JanuaryFebruaryMarchAprilMayJune
13, 2912, 2612, 2811, 2913, 2811, 27
JulyAugustSeptemberOctoberNovemberDecember
11, 3013, 2811, 2910, 2912, 2611, 29

General Information & FAQs

How does shared branching work?

As a Service Credit Union member, you can take advantage of surcharge-free withdrawals through the Allpoint, CO-OP and Dolphin Debit networks.

Please note, if making a withdrawal at a CO-OP shared branch, you’ll need to take the following steps to confirm your identity.

Scan the QR code you’ll see displayed in the branch using your smartphone or smart device, or visit verify.coop.org.

Enter basic details: Your home credit union’s name, member number, and the last four digits of your Social Security Number.

Confirm your identity: You’ll be guided to take photos of your government-issued photo ID as well as a photo of yourself (valid for 20 minutes).

Receive an access code to present to the branch staff, making your transaction quick and protected.

Where do I get a PIN number?

Your voice banking PIN number allows us to verify your identity for secure phone banking questions. If you previously had a Call 24 PIN, your voice banking PIN is the same number.

If you need to create a voice banking PIN, or update an existing PIN, you may do so using Star when you call us over the phone.

How do I get immediate service?

Our member services representatives are here for you at 800.936.7730 (U.S.) or 00800.4728.2000 (Intl). We are also available via live chat.

To save you time and effort, our digital banking assistant, Star, can answer questions immediately over chat and by phone without you waiting on hold. Get answers to frequently asked questions such as:

  • “When is Military Pay Day?”
  • “How do I report fraud on my card?”
  • “How do I apply for a car loan?”

When you contact us by phone, you can save time by using Star to ask for your account balance, get branch and shared branching information, list your recent debit or credit card transactions, withdrawals and deposits, transfer funds and make loan payments to and from Service Credit Union accounts without waiting on hold to speak to an agent.

For any protected information, you will need your member number and a phone banking PIN number.

You may also call us to create or change your phone banking PIN using Star. To make phone banking easier in the future, you may also set up voice authentication.
Why am I getting an error message regarding an external deposit account connection?
To simplify your online banking experience, external deposit accounts will now be linked through Plaid. If you have an existing external transfer or loan payment scheduled, please visit online banking to check if your external deposit account has been disconnected, and follow the steps on screen to repair the connection.
How do I set up an external transfer?
An external transfer allows you to connect your external bank with your Service Credit Union account for the purpose of transferring funds to and from the external account. To set up an external transfer, please follow these steps:
  1. Log into online banking. Click on the following: Transfer Funds>External Transfers. >Click the link to add your account from another financial institution. If using the mobile app, click on “More…” and then click “External Transfers.”
  2. Once you add the account, we will make two small trial deposits into your EXTERNAL account in 24-48 hours for amounts less than $1.00. You will have to go into your external account to view what those amounts are, and then come back to your Service Credit Union online banking portal and input those amounts (see step 3 below).
  3. To activate a recently added account, please take the following steps in online banking: Transfer Funds>External Transfers> Manage External Accounts and click on “Validate Account.”.  This will allow you to input your trial deposit amounts to activate your account. Once that’s completed, you can begin transferring funds between accounts. If using the mobile app, then click on “More…” and then click “External Transfers.”

Quick tips:

  • When making payments to your Service Credit Union loan in online banking, click on “Pay My Service Credit Union Loan” and select the loan account you are paying and the external account where the funds are coming from. If using the mobile app, then click on “More…” to get to this option.
  • When transferring funds to or from an external account, click on “Transfer Funds” and select the desired account to transfer from and the desired account to transfer to. On the mobile app, click on “Transfer.”
How do I change the order of my account numbers?

If you would like to reorder, rename or hide any accounts, please follow the below steps:

  1. Log into online banking via the web (not the mobile app)
  2. Go to “My Settings”
  3. Scroll all the way down to rename & hide your accounts
  4. Use the drag and drop feature to move accounts, and uncheck any accounts you don’t want seen
  5. Use the “nickname” feature to name your accounts
Where can I find my account numbers or member number?

Your member number can be found within our app or in online banking, under “My Settings.” (Hit the gear button on the top right to get here if you are using our mobile app). In the Personal Information section, your name will appear directly above your member identification number.

To view your individual account numbers in online banking, go to “Accounts,” select the account of your choice, and hit “Details.” The account number will appear on the top line.
How can I transfer money between accounts?
Watch our instructional video to learn how to move money between your own accounts or to other people quickly and securely using online or mobile banking.
Where can I download a print-from-home deposit, withdrawal, transfer or payment slip?
Download a printable form for deposit, withdrawal, transfer or payment.
How do I opt in to SMS alerts?

Get real-time account information and important updates by signing up for our SMS alerts.
For members located in the United States:
sign up, simply text SERVICE to 603603.

For members located overseas:
To sign up, simply text SERVICE to +49 176 888 69325.
On a mobile device? Simply tap here.

How do I download the Service Credit Union mobile app?
Our mobile app can be downloaded from the App Store or Google Play. Learn more about getting started with our app and its additional features here.
How do I sign up for Online Banking?
To sign up for online banking, you will need your member number and some personal information to get started.
What is Service Credit Union's Routing Number?
211489656
Can you increase my ATM withdrawal limit?
Requests to increase an ATM daily withdrawal limit, whether temporary or permanent, can be considered on a case-by-case basis. To make such a request, please call our 24/7 Contact Center or visit a nearby Service Credit Union branch.
What is my ATM withdrawal limit?
The daily withdrawal limit is $1000. When withdrawing in a foreign currency, the limit remains at $1000 in the equivalent value of that currency. The combined limit for both regular and foreign currency withdrawals is a maximum of $1000, regardless of the currency type.
Why doesn’t my SSA retirement check deposit every 3rd Wednesday each month?
The date you get your benefits every month depends on your birthday and the type of benefits you receive. For more information, or to see your upcoming and past payments, please visit the Social Security Administration website.
Why can’t I call the branch directly?
External calls cannot be received at our branch locations. For immediate assistance, kindly contact our 24/7 Contact Center. If you wish to speak with a particular branch associate, the contact center can facilitate the connection.
I am retiring or being discharged

We are grateful to our veterans for their service and are proud to serve you both during and after your military career. Whether you’re retiring abroad or in the U.S., we have the tools you need to make the most of your finances.
I am being deployed

No matter where you are in the world, we are here by your side.

  • If you’re serving active duty in a combat zone as defined by Service Credit Union, you may qualify for an annual percentage yield of 10% APY with a deposit of up to $10,0002 through our Deployed Warrior Savings Account.  Contact us to determine if you qualify.
  • Sign up for Everyday Checking, and get paid up to two days early1 with Direct Deposit. Need assistance with MyPay? Check out this video on how to change your direct deposit, and this video on how to start an allotment in MyPay.
  • Sign up for International Bill Pay5 to pay bills in 17 local currencies in more than 40 countries.
  • Access our 24/7 live chat, apply for a loan or transfer money to a friend, all from within our mobile app.
I am moving from an overseas base to a stateside base

Welcome back to the U.S! If you opened a Service Credit Union account while abroad, there’s no need to close your account when you return. Our dedicated team can help you finance your new home with a VA loan, get a new car with a competitively priced auto loan, and more.

Auto FAQs

What else should I know about shipping my vehicle from OCONUS to CONUS; CONUS to OCONUS; OCONUS to OCONUS?

Usually, only one personally owned vehicle (POV) per household can be transported at the government's expense. All other vehicle shipping expenses will need to be covered by you. If you require financial assistance for POV shipping, Service Credit Union offers lending options that might suit your needs. For assistance exploring lending options, please visit us here, or reach out to our 24/7 Contact Center or a branch location near you.

Apart from the shipping cost, other factors need consideration when shipping a POV, including vehicle size, modifications, and specifications. For more details, please refer to the Military PCS of Personal Property FAQ page. 
Even though I paid my loan early this month, why did it still pull with the autopayment recurring?

If you've made an early manual payment on your current loan and still encountered automatic payment processing, the specific type of automatic payment you've chosen might be the cause. Automatic loan payment transfers set up via online or mobile banking will always proceed as scheduled, even if you've made an early manual payment. If you'd like to prevent the scheduled payment transfer from online or mobile banking after making an early manual payment, you'll need to access your online or mobile banking platform and modify or cancel the scheduled transfer.

If your automatic loan payment was facilitated by a Service Credit Union representative and you need modifications, please reach out to our 24/7 contact center or visit your nearest branch for assistance.
When will I receive my title, my car was paid off last month?
Please expect a delivery time of 6 to 8 weeks for title processing by our Records department. We recommend verifying your current address on file before completing the vehicle payoff to ensure an accurate delivery address.
What do I need to do to ship my vehicle(s) from overseas to the states?

To arrange the shipping of vehicles with an existing lien from Service Credit Union during the transition from overseas to the U.S., you will likely need Service Credit Union to issue you a Permission to Ship document. To issue this document, we will need you to provide a copy of your PCS (Permanent Change of Station), ETS (Expiration of Term of Service), or other officially equivalent relocation orders. Additionally, we will require information about the approximate shipping date and the intended destination of the vehicle(s).

If you are not shipping a vehicle due to official relocation and therefore cannot provide the required orders, we will ask for three personal references as an alternative. For assistance with any vehicle shipping request, please call our 24/7 contact center or visit your local branch office.

Housing FAQs

What’s the process of getting long-term housing?

Preparing for New Installation Housing:
Before you head to your new assignment, it's recommended to research the available housing options in your designated community. Housing choices can vary based on factors such as on-post availability, family size, rank, and your active duty or DoD civilian status.

Research and Contact Housing Division:
For active military and Department of Defense civilians, reaching out to the Housing Division is advised for questions and assistance related to housing options at your assigned installation.

Seeking Long-Term Housing During TLA:
If you receive Temporary Lodging Allowance (TLA) approval, it's essential to proactively explore permanent housing while under TLA status. The duration of TLA can differ based on your assigned military installation, so researching beforehand is crucial. Typically, it does not extend beyond 30 days.

For more detailed information, please visit the Military One Source website.
Why does my foreign currency rent payment change monthly?

When residing off-post in a foreign country, your rent is typically fixed in the currency of that nation. For instance, in Germany, your rent is set in Euros. Although your Service Credit Union account can use International Bill Pay5 to send Euros, please note that your account operates in U.S. Dollars (USD), not Euros (EUR).

The daily exchange rate between USD and EUR is influenced by numerous economic factors, causing fluctuations. Consequently, as the rate shifts, so does the equivalent amount in USD necessary to fulfill your requested payment in Euros. To ensure sufficient USD allocation for the transaction, it's advisable to monitor the exchange rate trends.

For your convenience, our website provides access to international exchange rates. To view them, click here.

International Banking FAQs

What is an exchange rate?

Currency exchange rates refer to the relative value of one currency compared to another. These rates determine how much one currency is worth in terms of another currency. Exchange rates fluctuate due to various economic factors, such as interest rates, inflation, political stability, and market demand.

You can view exchange rates offered at our Overseas Branch locations and through our International Bill Pay service.

Rates are typically updated by 4 p.m. CET daily.
Why didn’t a scheduled transfer take place for an international bill payment?

If your scheduled one-time international bill payment or recurring international payment order did not occur as expected, several factors might be involved:

  • Weekend or Holiday Submission: If your submission date fell on a weekend or holiday, the payment will be processed on the following business day.
  • Late Submission: If the payment request was sent after the day's processing deadline, it will be processed on the next available business day.
  • Insufficient Funds: If the debiting account lacks sufficient funds, kindly review your balance. The payment will be retried in five business days. To cancel the retry, please call us or visit your local branch.
  • Incorrect Account Selection: For one-time international bill payments, you have the flexibility to choose any checking or savings account where you are the account holder. It's your responsibility to ensure that you select the appropriate account with sufficient funds for the payment to be debited successfully.
Why was my Recurring International Bill Payment Order debited on Monday when the scheduled date should have been Saturday/Sunday?
If the requested International Bill Payment date falls on a weekend or U.S. holiday, the effective debit date will be the next business day. Additionally, If the requested payment date falls on a date which does not occur in a given month (such as the 31st), the payment date will be adjusted to the last calendar day of the month.
What is Service Credit Union’s International Bill Pay Service? Do I need it?
Your Service Credit Union Checking or Savings Account can be used to send one-time or recurring international payments in local currency via our International Bill Pay5 service, available in-branch or through online and mobile banking.
How do I know what my IBAN is?
To obtain your IBAN, please call us or visit your local branch office.
What is an IBAN?

An International Bank Account Number (IBAN) is a globally recognized system that identifies bank accounts across borders, streamlining cross-border transactions and reducing errors. Each IBAN is distinct to each account, ensuring precision in transaction handling. 

IBANs at Service Credit Union are used to send transfers within the Single European Payment Area (SEPA). The Single Euro Payments Area (SEPA) is a mechanism that facilitates the standardization of electronic payments denominated in euros across Europe. Under SEPA, all bank accounts must be identified by an International Bank Account Number (IBAN) and a Bank Identifier Code (BIC).                                                                                                                                       

While your Service Credit Union savings account has an IBAN, it should not be used or provided to vendors for the purpose of external euro debits. It is suitable to provide to vendors for the purpose of receiving euros as a credit. Only a Service Credit Union Checking Account IBAN can be used for external euro debits.  The IBAN for your Service Credit Union Checking Account can be used and provided to vendors for the purpose of both external euro debits and credits. 

What People Are Saying

CheckMark_ICON_LG

Nana N.

Service CU Member

10 years and counting. Wish we had known about Service Credit Union way before. We LOVE the low loan rates, great customer service, early pay, international bill pay option, V Pay card and fair charges. Love banking with you guys.
10 years and counting. Wish we had known about Service Credit Union way before. We LOVE the low loan rates, great customer service, early pay, international bill pay option, V Pay card and fair charges. Love banking with you guys.

Nana N.
1Immediate 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.

2Warriors 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. If actual daily balance exceeds $10,000, the remaining balance will receive variable APY of 10%-0.10%. Rates are variable and subject to change; accurate as of 07/01/2025. 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 closed. The 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.

3Loan 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.

4Must be at least 18 years old to deposit checks remotely. Members between the ages of 13 and 17 years old must have a parent/legal guardian accept the terms and conditions. Standard funds availability policy and other restrictions apply. Please see terms of use agreement for additional details. Checks deposited in real time are subject to Service CU discretion.

5One-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.

6Annual Percentage Rates (APR) range from 12.40% to 18.00%; accurate as of 07/01/2025 and subject to change without notice. APR is variable and based on your creditworthiness. Cash advance fee and balance transfer fee is 1.00% of the amount of each transaction. Returned payment fee is $20, or the amount of the required minimum payment, whichever is less.Standard card replacement fee is $9. If expedited, card replacement fee is $75 in the U.S. and up to $150 overseas. There is a document copy fee of $15. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

7ATM 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.

8Annual 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.

9Military 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.

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