Our members and their goals matter to us.
We understand that people are trusting us with their money, time and dreams, and we take that very seriously. In fact, we’re here for our members because we share those dreams, as well as a mutual respect for the values that connect us: values such as family, community, service and financial integrity.
“Ready to serve” isn’t just a tagline or motto. It’s the way we run ourcredit union. No matter the situation, at the root of everything, we’re “Ready.” From our headquarters in Portsmouth, New Hampshire, to countries around the world, we take pride in always being prepared for our members, our staff and for our future.
We want to make your new membership as easy as possible with the resources you need to get going. Are you ready?
Online Access
With online and mobile banking, you can access your accounts anytime, anywhere. Skip the trip to the branch and enjoy features such as:
- Bill Pay–Find “Bill Pay” on your online banking home screen, or in the bottom, center of your mobile app options. Click “sign up” and select the Service Credit Union checking account you would like to pay bills from. From there, you may set up one-time or reoccurring payments.
- Apply for Loans, and Pay Your Loan Using Any Financial Institution–To apply for a loan, find the “Apply for a Loan” option in the top, center of your online banking options. If you are using your mobile app, you will find this under the “More” option. From here, you will be taken to a separate loan application page. To pay an existing loan, find “Pay Your Service CU Loan” at the top left of your online banking options, or look for “Loan Payment” under “More” in your mobile app. From there, you will be able to select or set up the account from which you would like to pay your loan, and can set up reoccurring monthly payments.*
- Online Deposit– If you have been a member for a minimum of 30 days and are enrolled in online banking, you can make deposits through our mobile app, or with a computer and scanner.**
- See Your FICO® Credit Score– Click on “My FICO® Score” on the top right of your online banking options, or look under “More” in the mobile app.
- Transfer Funds– In online banking, select “Transfer Funds” from the center of your menu options. In your mobile app, select “Transfers,” located at bottom left of your screen. From there, select whether you will be making an internal or external transfer and the amount to transfer.***
Ready to get started?
Click here to register for Online Banking. You’ll just need your member ID and PIN number (last four digits of your SSN). To download our mobile app, visit theApp StoreorGoogle Play.
Go Paperless
Want to ditch the paper, and see your transactions online? Sign up for eCommunications within Online Banking. Still need to register for Online Banking? Pleaseclick here. Once you’ve logged in to Online Banking, navigate to Statements and Documents and accept the eCommunications disclosure.
Bank
Helping youmanage your money is our top priority. With a variety of checking accounts, higher-dividend share certificates and a tiered approach to money market accounts, Service Credit Union makes it easy to manage and grow your money. Check out ourcurrent rates here.
Borrow
We are proud to offer low rates, fast approval and an easy application process for all our lending products. Learn more about ourcredit card,personalandautoloan options.
From your first home to a jumbo loan, we have you covered. Learn more about ourmortgageandhome equityproducts.
Invest
We have plans to help you sock money away for those long-term goals that won’t stress you out along the way.Click hereto see how the MEMBERS Financial Services Program can help you plan for life’s biggest events.
Insure
Learn moreabout our discounted insurance options with partners such as Travelers and TruStage®.
Don’t Miss Out on Current Promotions
Don’t miss out on the latest offers and specials from Service Credit Union. Check out all of ourcurrent promotions here.
*Account used to make a loan payment must be held in your name.
**Must meet qualifications for use of this service. Account must be open for at least 30 days from first deposit and must be in good standing. Daily/monthly limitations apply. $200 of total checks deposited each business day will be made available with the remainder on hold for a minimum of 2 business days. Online deposit must be reviewed and accepted for deposit prior to being posted to an account. Third party checks are not accepted.
***When sending funds to another financial institution, your name must be listed as an owner on both the sending and receiving accounts. A fee of $9 will be assessed if you select the premium transfer option for external transfers. Additional conditions apply. Please see the External Transfers Terms and Conditions for more information.
FAQs
Credit unions tend to offer lower rates and fees as well as more personalized customer service. However, banks may offer more variety in loans and other financial products and may have larger networks that can make banking more convenient.
What's the best credit union to go through? ›
Compare the Best Credit Unions
| Financial Institution | Why We Picked It |
|---|
| Blue Federal Credit Union | Best Overall |
| Liberty Federal Credit Union | Best for Checking |
| Alliant Credit Union | Best for a Savings Account |
| Service Credit Union | Best for Military Individuals & Families |
1 more rowCredit unions tend to offer lower rates and fees as well as more personalized customer service. However, banks may offer more variety in loans and other financial products and may have larger networks that can make banking more convenient.
How to transfer money from service credit union to bank account? ›
Transfer Funds – In online banking, select “Transfer Funds” from the center of your menu options. In your mobile app, select “Transfers,” located at bottom left of your screen. From there, select whether you will be making an internal or external transfer and the amount to transfer.
How long does it take for a check to clear at Service Credit Union? ›
The first $750 from a deposit of other checks (e.g. personal checks, business checks and payroll checks) will be available on the same day that we receive your deposit. The remaining funds will be available by the second business day after the date of your deposit.
What are the top 5 credit unions in the US? ›
The five largest credit unions are Navy Federal Credit Union, State Employees' Credit Union, PenFed Credit Union, SchoolsFirst Federal Credit Union and Boeing Employees Credit Union.
Which is safer credit unions or banks? ›
One question that often arises is, "Are Credit Unions Safer than Banks?" If you're looking for a short answer, you'll be happy to know that we're not making you read the whole post: Credit Unions and banks are roughly identical in safety because deposits at both are insured by the Federal government to $250,000.
What is the downside of a credit union? ›
Some credit unions cost money to join or charge annual membership dues. Fewer physical branches. 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.
Can the government take your money from a credit union? ›
Through “right of offset,” the government allows banks and credit unions to access the savings of their account holders under certain circumstances. This is allowed when the consumer misses a debt payment owed to that same financial institution.
What is the difference between a federal credit union and a regular credit union? ›
The main difference is whether the permit to do business as a credit union was granted by the state government or the federal government. Whenever a new credit union is established, the organizers apply for either a state or national (federal) credit union charter.
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.
What is the daily limit for SCU? ›
There is a daily ATM withdrawal limit of $1,000 and a limit of $2,500 for purchases (POS – Point of Sale), assuming the funds are available.
Is Service credit union FDIC insured? ›
Just like banks, credit unions are federally insured; however, credit unions are not insured by the Federal Deposit Insurance Corporation (FDIC). Instead, the National Credit Union Administration (NCUA) is the federal insurer of credit unions, making them just as safe as traditional banks.
How long does it take for a $30,000 check to clear? ›
Here's how long it generally takes for a check to clear: Usually within two business days for personal checks but up to seven for some accounts. Usually one business day for government and cashier's checks and checks from the same bank that holds your account.
Can you deposit a $10,000 check? ›
The Bank Secrecy Act requires banks to report deposits over $10,000. Breaking up your $10,000 deposit into smaller deposits will likely still trigger a report. If you need to deposit a large amount, it's best to just do it -- if you're not engaging in illegal activity, you have nothing to worry about.
Can the bank tell you who cashed your check? ›
They can tell you the date, time, place and who cashed it for you if the transaction happened in a bank. If you cashed it at a local grocery store or other retail establishment, they can only tell where you cashed it and the date.
What credit union pays the best interest rate? ›
Best CD Rates Today
| Institution | Rate (APY) | Term |
|---|
| Spectra Credit Union | 5.05% | 14 months |
| Lafayette Federal Credit Union | 5.04% | 12 months |
| Financial Resources Federal Credit Union | 5.01% | 4 months |
| Princeton Federal Credit Union | 5.01% | 13 months |
14 more rowsEnt Credit Union is the largest credit union in Colorado, with 50 locations around the state.
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.
What is the largest credit union in Illinois? ›
With over 85 years of history and more than $19 billion in assets, Alliant Credit Union is the largest credit union in Illinois and one of the largest in the U.S. Our industry-leading financial products, seamless digital experiences and exceptional customer service make banking simpler for our 800,000+ members.
