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
Because credit unions are not-for-profit, they can offer members numerous benefits that can directly and indirectly build an individual's credit score.
What is the difference between a federal credit union and just a credit union? ›
Credit Unions are the only democratically run financial institution. A federal credit union is member-owned and controlled. Member's interests are represented by a volunteer board of directors drawn from the membership and elected by the membership.
Can credit union make you money? ›
Credit unions are not-for-profit organizations. While a credit union may earn profits, those profits are funneled back into business operations, paid to members as dividends or used to offer additional benefits for members.
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 credit score do you need for a credit union credit card? ›
You need a credit score of 700+ to get a credit card from most credit unions, though some credit unions have options available for people with bad credit or no credit history. There are credit union cards for every credit level, and some of the best credit union cards are only available to people with excellent credit.
Do credit unions run your credit to join? ›
Credit Unions may run credit checks when you apply to join. However, your score won't necessarily determine whether you'll be approved for membership. Instead, it may dictate which services you're eligible for.
What is the best federal credit union to join? ›
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 rowOne 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.
Is a federal credit union better than a state credit union? ›
State-Chartered Credit Unions
There are some advantages to state charters for credit unions. For one, federal credit unions have maximum interest rate regulations, whereas different states may have higher or no limits on interest rate charges.
What is one disadvantage of a credit union? ›
Membership required. Credit unions require their customers to be members. Account holders must meet eligibility requirements to use the products and services.
Like banks, which are federally insured by the FDIC, credit unions are insured by the NCUA, making them just as safe as banks. The National Credit Union Administration is a US government agency that regulates and supervises credit unions.
Why do banks not like credit unions? ›
First, bankers believe it is unfair that credit unions are exempt from federal taxation while the taxes that banks pay represent a significant fraction of their earnings—33 percent last year. Second, bankers believe that credit unions have been allowed to expand far beyond their original purpose.
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.
Does Service credit union work with Zelle? ›
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.
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.
What is the main downside to opening an account at 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.
Is there a benefit to having a credit union account? ›
The main benefits of a credit union compared to a bank are that credit unions tend to offer better rates, better customer service, and lower fees. However, banks may offer more branches and products than credit unions.
Is it better to open an account at a bank or credit union? ›
Lower fees: Because credit unions are not-for-profit, they typically charge lower fees than banks. Higher savings rates: On average, you'll find better interest rates at credit unions than banks, though some high-yield accounts at banks rank at the top of the industry.
Is getting a credit card through a credit union good? ›
Some of the primary benefits of getting a credit union credit card include: More personal service. Lower interest APRs and lower transfer fees. Fewer service fees and no annual fees.
