Join Service CU for Your Online Banking Needs - Service Federal Credit Union (2024)

Offering a Variety of Options & Offers!

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Online Banking Accounts

Join Service CU for Your Online Banking Needs - Service Federal Credit Union (1)

Primary Savings

The Simplest Way to Save

  • Earn 5% APY on the first $500*
  • “Pay yourself first” and plan for your future
  • Deposit just $5 to open an account
  • Become a member-owner of Service Credit Union
  • Access additional accounts options, apply for credit cards and loans, utilize members-only services

Open Now

Join Service CU for Your Online Banking Needs - Service Federal Credit Union (2)
  • Mobile bill pay and remote check deposit**
  • Rewards on debit card purchases
  • Get paid up to two days early with direct deposit***
  • Flexible and personalized to fit YOUR needs

Open Now

Join Service CU for Your Online Banking Needs - Service Federal Credit Union (3)

Certificates

A Smart Way to Save More

  • Dividends are compounded and credited monthly
  • Grow your savings with one of our promotional certificate rates
  • 24-Month Share Certificate at 4.50% APY†
  • 18-Month Share Certificate at 4.45% APY†
  • 12-Month Share Certificate at 5.10% APY†

Open Now

Discover the Service CU Difference

At Service CU, our members are actually part owners. This means, what’s important to you is important to us. Whether it’s saving for the future or bettering your financial health, we’re here to create a better future together.

Being an owner can also help you save year after year. Thanks to our low rates and ATM and ISA fee reimbursem*nts, members with an auto loan and Service CU checking save an average of more than $236 per year vs those using a traditional banking institution.††

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

Become a Member

Featured Digital Banking Benefits

Join Service CU for Your Online Banking Needs - Service Federal Credit Union (4)

Pay your Service Credit Union loan on the go with online banking or the mobile app, and simplify life with recurring payments.

Join Service CU for Your Online Banking Needs - Service Federal Credit Union (5)

Keep track of all your payments and save time and money by paying online from your checking account.

Join Service CU for Your Online Banking Needs - Service Federal Credit Union (6)

Online Deposit

Deposit checks directly from your mobile device or computer.**

Join Service CU for Your Online Banking Needs - Service Federal Credit Union (7)

Pay with Zelle®

Send and receive money with Zelle® right from the Service CU mobile app. It’s fast, safe and easy. Simply open your mobile app, and go to “More” then “Send money with Zelle®” to enroll.

Join Service CU for Your Online Banking Needs - Service Federal Credit Union (8)

Alexa Voice Banking

Use Alexa to access your account information by voice.

Join Service CU for Your Online Banking Needs - Service Federal Credit Union (9)

Digital Wallet and Smartwatch Payments

Add your Service CU credit or debit card to your digital wallet for an easier way to pay. You can even add your info before your card arrives in the mail!

Join Service CU for Your Online Banking Needs - Service Federal Credit Union (10)

Track your spending and set a budget to reach your goals more quickly.

Join Service CU for Your Online Banking Needs - Service Federal Credit Union (11)

My Cards

Set spending limits and protect against fraud right from your mobile app.

Join Service CU for Your Online Banking Needs - Service Federal Credit Union (12)

Opt in through Online Banking to receive all your credit union communications electronically.

What’s Important to You is Important to Us.
That’s Membership with Meaning!

Join Us Today!

* Rates shown are Annual Percentage Yield (APY), accurate as of 4/1/24, and subject to change without notice. Minimum deposit of $500 required. 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. Dividend rates and APYs are subject to change on the 1stand 16thof every month, as determined by the Board of Directors.Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

**Must 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.

***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.

****Not applicable for all situations or individual circ*mstances. We may require additional information or documentation pending membership application review.

Rates shown is Annual Percentage Yield (APY), accurate as of 09/22/23, and subject to change without notice. Minimum deposit of $500 required. 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. Dividend rates and APYs are subject to change on the 1st and 16th of every month, as determined by the Board of Directors. Must be a member of Service CU or eligible for membership with at least $5 in a Primary Savings Account.

††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 reimbursem*nt, ISA fee reimbursem*nts and having auto loan that is $24,580.73 for 65 months at a discounted rate of 3.38% APR.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Join Service CU for Your Online Banking Needs - Service Federal Credit Union (2024)

FAQs

Who is the best Credit Union to join? ›

Best Credit Unions of July 2024
  • Members 1st Federal Credit Union: Best for Overdraft Protection.
  • Connexus Credit Union: Best for Checking Accounts.
  • Bethpage Federal Credit Union: Best for Savings Accounts.
  • Lake Michigan Credit Union: Best for Interest Rates.
  • Alliant Credit Union: Best for Digital Banking.
Jun 11, 2024

How do I check my URW balance? ›

Simply text BAL or HIST to 59289 to check your account balances or to see if a transaction has cleared your account.

What is the difference between a Credit Union and a bank? ›

Banks are typically for-profit entities owned by shareholders who expect to earn dividends. Credit unions, on the other hand, are not-for-profit, member-owned cooperatives that are committed to the financial success of the individuals, families, and communities they serve.

How to transfer money from service credit union to bank account? ›

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: Log into online banking. Click on the following: Transfer Funds>External Transfers. >

What is the easiest credit union to get approved for? ›

Teachers Federal Credit Union is among the easiest credit unions to join, requiring just a $1 minimum deposit into a TFCU savings account. Likewise, Alliant Credit Union is also easy to join with a one-time $5 donation to the Alliant Credit Union Foundation. Best of all, Alliant pays this fee.

Is there a downside to joining a credit union? ›

Limited accessibility.

Credit unions tend to have fewer branches than traditional banks. A credit union may not be close to where you live or work, which could be a problem unless your credit union is part of a shared branch network and/or a large ATM network such as Allpoint or MoneyPass.

Can I check my balance online? ›

You can get a current view of your finances by visiting the bank's website or mobile app. An ATM visit, phone call or bank statement are other convenient ways to check your balance. If you prefer to speak with someone in person, you also have the option of talking to a bank teller.

How to use Zelle with Service Credit Union? ›

To get started, log into online banking or your mobile app, navigate to Transfer Funds and select "Send Money with Zelle®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle.

How do I check for my balance? ›

How to Check Your Bank Account Balance
  1. On Your Bank's Website.
  2. Through Your Banking App.
  3. At an ATM.
  4. Over the Phone.
  5. With Bank Statements.
  6. Through Account Alerts.
  7. With a Bank Teller.
Jan 12, 2024

What are disadvantages of banking with credit unions? ›

Credit unions may be local or regional, with limited branches outside of your area. If you travel or move, this can make getting in-person help difficult. May have fewer services. While many larger credit unions offer all of the same services banks do, some provide a limited range of products and services.

Which is safer, banks or credit unions? ›

Like banks, which are federally insured by the FDIC, credit unions are insured by the NCUA, making them just as safe as banks.

Which online bank is the best? ›

Top app-based bank accounts
  • Starling: Budgeting help + top overseas.
  • Chase: 1% cashback on purchases.
  • Monzo: Spending notifications + budgeting help.
  • Revolut: Good option for frequent travellers.

Does Service Credit Union text you? ›

Opt in to receive important messages from Service Credit Union regarding account updates and general information about our products and services. Service CU wants to ensure you don't miss out on important account updates or general information regarding our products and services.

Can you withdraw money from your credit union account? ›

You can usually withdraw money at any time. If your savings account is a 'Notice' account, you'll have to give the credit union a set amount of notice to make a withdrawal. Some credit unions will give you a debit card that you can use at a normal high street cash machine.

Can you transfer money from a credit union to cash App? ›

You can transfer money to Cash App by linking your bank account. To add a bank, tap the Banking tab on your home screen. Then, select Link Bank, and follow the prompts.

What is the number one credit union in the United States? ›

Navy Federal Credit Union, State Employees' Credit Union and Pentagon Federal Credit Union are the three largest credit unions by total assets, per the NCUA.

Which credit union pays the highest interest rate? ›

Compare the Best CD Rates
InstitutionRate (APY)Early Withdrawal Penalty
Vibrant Credit Union5.50%All earned interest
Greenwood Credit Union5.50%6 months of interest
INOVA Federal Credit Union5.40%3 months of interest
USAlliance Financial5.40%6 months of interest
18 more rows

How do you know if a credit union is good? ›

Make sure your account will be insured—Whether it is a state or federally licensed (or chartered) financial institution, you want to ask if it's a member of, or that is insured by, either the Federal Deposit Insurance Corporation (or FDIC) or, in the case of a credit union, the National Credit Union Association (or ...

What is the largest credit union in California? ›

Organization: SchoolsFirst Federal Credit Union has more than 30 billion in assets and serves 1.4 million school employees and their families. It has 69 branches and more than 300 ATMs statewide.

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