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 can be ideal for a low-interest loan, lower mortgage closing costs, or reduced fees, but you'll need to qualify for membership. Larger banks may offer you more choices regarding products, apps, and international or commercial products and services, and anyone can join.
Is a credit union better than a bank? ›
Credit unions can be ideal for a low-interest loan, lower mortgage closing costs, or reduced fees, but you'll need to qualify for membership. Larger banks may offer you more choices regarding products, apps, and international or commercial products and services, and anyone can join.
What states are service credit unions in? ›
Service Credit Union was established in 1957 to support military personnel and their families at what was then Pease Air Force Base in New Hampshire. Since then, we have grown to serve members all over the world, including at more than 50 walk-in locations in New Hampshire, North Dakota, Massachusetts and Germany.
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.
Who is the best credit union to join? ›
Choosing the best credit union: Where to begin
| Brand name | Best for | APY* |
|---|
| Alliant | Overall | Up to 3.10% |
| PenFed | Rewards credit card | Up to 3% |
| First Tech Federal Credit Union | Low-interest credit card | Up to 5% |
| Consumers Credit Union | Deposit account variety | Up to 3% |
4 more rowsMay 22, 2024
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. May offer fewer products and services.
Is money safer in bank or credit union? ›
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.
What are the three largest credit unions? ›
Largest Credit Unions in the U.S.
| Rank by Asset Size | Credit Union Name | Total Assets |
|---|
| 1. | Navy Federal Credit Union | $168.4 billion |
| 2. | State Employees' Credit Union | $50.68 billion |
| 3. | Pentagon Federal Credit Union | $35.36 billion |
| 4. | Boeing Employees' Credit Union | $29.17 billion |
6 more rowsMay 14, 2024
It's way smaller. From American Banker, I'm Miriam Cross, and this is Bankshot, a podcast about banks, finance and the world we live in. The question of which credit union is the tiniest in America is a moving target, but Holy Trinity Baptist has consistently been right at the bottom.
How do credit unions make money? ›
Any income the credit union generates through interest, fees and loans is then used to fund community projects, reinvest into the organization or provide services that directly benefit members, like paying higher savings interest rates.
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 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 do I check for my balance? ›
How to Check Your Bank Account Balance
- On Your Bank's Website.
- Through Your Banking App.
- At an ATM.
- Over the Phone.
- With Bank Statements.
- Through Account Alerts.
- With a Bank Teller.
NerdWallet's High APYs and Easy Membership: Best Credit Unions of 2024
- Alliant Credit Union.
- Connexus Credit Union.
- First Tech Federal Credit Union.
- PenFed Credit Union.
- Self-Help Credit Union.
Member-owned: Because members share ownership in credit unions, they have a greater say in operations than bank customers. This often leads to superior customer service. Lower fees: Because credit unions are not-for-profit, they typically charge lower fees than banks.
What credit score do most credit unions use? ›
The FICO Score is used by most lenders, and typically ranges from 300 (very poor) to 850 (exceptional).
Are credit unions safer than banks during a recession? ›
bank in a recession, the credit union is likely to fare a little better. Both can be hit hard by tough economic conditions, but credit unions were statistically less likely to fail during the Great Recession. But no matter which you go with, you shouldn't worry about losing money.
What is an advantage and disadvantage of a credit union? ›
So, get comfy. This is going to be a comprehensive look at credit unions': Upsides, such as better rates, more favorable terms, superior service, and fewer fees. Downsides, like more limited accessibility, finite eligibility, and narrower product and service portfolio.
Do credit unions help build credit? ›
While the individual options may differ from one to the next, most credit unions offer custom loan programs designed to help borrowers establish credit for the first time or rebuild damaged credit. Some credit unions use aptly-named “credit builder loans” that function much like secured credit cards.
What is the best bank to use? ›
Best-of 2024 Banking Winners:
- Alliant Credit Union: Best credit union.
- Ally Bank: Best bank; best CDs.
- Charles Schwab Bank: Best for ATM access.
- Chase: Best for sign-up bonuses; best for branch access.
- Discover® Bank: Best online banking experience.
