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Service Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 31, 2026
Service Federal Credit Union's 12 Month CD rates are at 4.10%, CD 12 month rates are at 4.10%, 6 Month CD rates are at 4.00%, 9 Month CD rates are at 4.00%, CD 6 month rates are at 4.00%. Service Federal Credit Union's savings rates are at 10.00%. Service Federal Credit Union's money market rates are at 2.50%. Service Federal Credit Union's checking rates are as high as 0.40%. Service Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 8.84%. Service Federal Credit Union's Credit Card Rates are at 11.90%. Service Federal Credit Union's CD rates are 12% higher than the MonitorBankRates national average, and it has an A- health rating. MonitorBankRates evaluates the financial stability of Service Federal Credit Union with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.25%. Rates last updated and verified on 10/31/2026.
Service Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Service Federal Credit Union? Share your experience about Service Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Service Federal Credit Union.
Overall Health & Safety Grade
?
A-
Very Good HealthScore: 91/100
Overall Health & Safety Grade
Service Federal Credit Union has earned an overall safety grade of A- (Very Good, Score: 91/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
4.9
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Service Federal Credit Union has earned a Star Rating of 4.9 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
16.25%
GoodHigher than avg
Service Federal Credit Union Texas Ratio
Service Federal Credit Union's Texas Ratio is 16.25%, which is considered good and is higher than the national average of 6.13%.
While Service Federal Credit Union has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.61% to 16.25% over 12 quarters, worseningFull history
Star Rating 5.0 to 4.9, Health Grade A+ to A-
The Texas Ratio for this credit union has weakened since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Service Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
12 Month Share & IRA Certificate
4.025%
4.10%
12 months
Min Balance$500
DetailsCertain rate restrictions & requirements apply; any term between 6 and 60 months may be negotiated
Last Updated10/31/2026
Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 8 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
12 Month Share Certificate
4.025%
4.10%
12 Months
Min Balance$500
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Share Certificate 12 month
4.025%
4.10%
12 Months
Min Deposit$500
Min Balance$500
DetailsPenalty for early withdrawal applies; APY accurate as of 09/08/2026
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
6 Month Share & IRA Certificate
3.928%
4.00%
6 months
Min Balance$250
DetailsCertain rate restrictions & requirements apply; any term between 6 and 60 months may be negotiated
Last Updated10/31/2026
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 8 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
6 Month Share Certificate
3.928%
4.00%
6 Months
Min Balance$250
DetailsMinimum deposit of $250 for the 6-month term
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
9 Month Share & IRA Certificate
3.928%
4.00%
9 months
Min Balance$500
DetailsCertain rate restrictions & requirements apply; any term between 6 and 60 months may be negotiated
Last Updated10/31/2026
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 8 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
9 Month Share Certificate
3.928%
4.00%
9 Months
Min Balance$500
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Share Certificate 6 month
3.928%
4.00%
6 Months
Min Deposit$250
Min Balance$250
DetailsPenalty for early withdrawal applies; APY accurate as of 09/08/2026
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Share Certificate 9 month
3.928%
4.00%
9 Months
Min Deposit$500
Min Balance$500
DetailsPenalty for early withdrawal applies; APY accurate as of 09/08/2026
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
3 Month Share & IRA Certificate
3.203%
3.25%
3 months
Min Balance$500
DetailsCertain rate restrictions & requirements apply; any term between 6 and 60 months may be negotiated
Last Updated10/31/2026
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 8 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
3 Month Share Certificate
3.203%
3.25%
3 Months
Min Balance$500
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Share Certificate 3 month
3.203%
3.25%
3 Months
Min Deposit$500
Min Balance$500
DetailsPenalty for early withdrawal applies; APY accurate as of 09/08/2026
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
11 Month Share & IRA Certificate
3.154%
3.20%
11 months
Min Balance$500
DetailsCertain rate restrictions & requirements apply; any term between 6 and 60 months may be negotiated
Last Updated10/31/2026
Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 8 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
11 Month Share Certificate
3.154%
3.20%
11 Months
Min Balance$500
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Share Certificate 11 month
3.154%
3.20%
11 Months
Min Deposit$500
Min Balance$500
DetailsPenalty for early withdrawal applies; APY accurate as of 09/08/2026
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
15 Month Share & IRA Certificate
3.057%
3.10%
15 months
Min Balance$500
DetailsCertain rate restrictions & requirements apply; any term between 6 and 60 months may be negotiated
Last Updated10/31/2026
Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 8 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
15 Month Share Certificate
3.057%
3.10%
15 Months
Min Balance$500
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Share Certificate 15 month
3.057%
3.10%
15 Months
Min Deposit$500
Min Balance$500
DetailsPenalty for early withdrawal applies; APY accurate as of 09/08/2026
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
18 Month Share & IRA Certificate
2.96%
3.00%
18 months
Min Balance$500
DetailsCertain rate restrictions & requirements apply; any term between 6 and 60 months may be negotiated
Last Updated10/31/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 8 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
18 Month Share Certificate
2.96%
3.00%
18 Months
Min Balance$500
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
24 Month Share & IRA Certificate
2.96%
3.00%
24 months
Min Balance$500
DetailsCertain rate restrictions & requirements apply; any term between 6 and 60 months may be negotiated
Last Updated10/31/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 8 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
24 Month Share Certificate
2.96%
3.00%
24 Months
Min Balance$500
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Share Certificate 18 month
2.96%
3.00%
18 Months
Min Deposit$500
Min Balance$500
DetailsPenalty for early withdrawal applies; APY accurate as of 09/08/2026
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Share Certificate 24 month
2.96%
3.00%
24 Months
Min Deposit$500
Min Balance$500
DetailsPenalty for early withdrawal applies; APY accurate as of 09/08/2026
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
60 Month Share & IRA Certificate
2.472%
2.50%
60 months
Min Balance$500
DetailsCertain rate restrictions & requirements apply; any term between 6 and 60 months may be negotiated
Last Updated10/31/2026
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 8 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
60 Month Share Certificate
2.472%
2.50%
60 Months
Min Balance$500
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Share Certificate 60 month
2.472%
2.50%
60 Months
Min Deposit$500
Min Balance$500
DetailsPenalty for early withdrawal applies; APY accurate as of 09/08/2026
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
48 Month Share & IRA Certificate
2.423%
2.45%
48 months
Min Balance$500
DetailsCertain rate restrictions & requirements apply; any term between 6 and 60 months may be negotiated
Last Updated10/31/2026
Rate History
No change since Sep 24, 2026 · 2.45% APY · checked 8 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
48 Month Share Certificate
2.423%
2.45%
48 Months
Min Balance$500
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Share Certificate 48 month
2.423%
2.45%
48 Months
Min Deposit$500
Min Balance$500
DetailsPenalty for early withdrawal applies; APY accurate as of 09/08/2026
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
36 Month Share & IRA Certificate
2.325%
2.35%
36 months
Min Balance$500
DetailsCertain rate restrictions & requirements apply; any term between 6 and 60 months may be negotiated
Last Updated10/31/2026
Rate History
No change since Sep 24, 2026 · 2.35% APY · checked 8 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
36 Month Share Certificate
2.325%
2.35%
36 Months
Min Balance$500
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 2.35% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Share Certificate 36 month
2.325%
2.35%
36 Months
Min Deposit$500
Min Balance$500
DetailsPenalty for early withdrawal applies; APY accurate as of 09/08/2026
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 2.35% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Service Federal Credit Union Business CD Rates
Product
Rate
APY
Term
View More
Business Share Certificate - 12 month
4.025%
4.10%
12 Months
Min Balance$500
DetailsCall To Get Started; Penalty for early withdrawal
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Business Share Certificate - 6 month
3.928%
4.00%
6 Months
Min Balance$500
DetailsCall To Get Started; $250 minimum for 6-month term; Penalty for early withdrawal
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Business Share Certificate - 9 month
3.928%
4.00%
9 Months
Min Balance$500
DetailsCall To Get Started; Penalty for early withdrawal
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Business Share Certificate - 3 month
3.203%
3.25%
3 Months
Min Balance$500
DetailsCall To Get Started; Penalty for early withdrawal
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Business Share Certificate - 11 month
3.154%
3.20%
11 Months
Min Balance$500
DetailsCall To Get Started; Penalty for early withdrawal
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Business Share Certificate - 15 month
3.057%
3.10%
15 Months
Min Balance$500
DetailsCall To Get Started; Penalty for early withdrawal
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Business Share Certificate - 18 month
2.96%
3.00%
18 Months
Min Balance$500
DetailsCall To Get Started; Penalty for early withdrawal
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Business Share Certificate - 24 month
2.96%
3.00%
24 Months
Min Balance$500
DetailsCall To Get Started; Penalty for early withdrawal
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Business Share Certificate - 60 month
2.472%
2.50%
60 Months
Min Balance$500
DetailsCall To Get Started; Penalty for early withdrawal
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Business Share Certificate - 48 month
2.423%
2.45%
48 Months
Min Balance$500
DetailsCall To Get Started; Penalty for early withdrawal
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Business Share Certificate - 36 month
2.325%
2.35%
36 Months
Min Balance$500
DetailsCall To Get Started; Penalty for early withdrawal
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 2.35% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Service Federal Credit Union Savings Rates
Product
Rate
APY
View More
Deployed Warrior Savings
9.569%
10.00%
Min Balance$0
DetailsContact Us To Determine If You Qualify; Eligibility: service member deployed to a combat zone; Qualifying balance up to $10,000.00; Balance: $0.00 - $10,000.00; Direct deposit of net pay required
Last Updated10/31/2026
Rate History
No change since Sep 24, 2026 · 10.00% APY · checked 5 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Primary Savings Account
4.889%
5.00%
Min Deposit$5
Min Balance$0
DetailsBalance: $0.00 - $500; Dividends paid on daily balances of up to $500; variable APY of 5.00%; Must be a member of Service CU or establish membership with $5 in a Primary Savings Account
Last Updated10/31/2026
Rate History
No change since Sep 24, 2026 · 5.00% APY · checked 9 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Service+ Savings
3.445%
3.50%
Min Balance$0
DetailsBalance: $0.00 - $25,000.00; Tier 1; Relationship APY of 3.50% requires a qualifying direct deposit into a checking account; without one, 0.25% APY
Last Updated10/31/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 4 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Service+ Savings
-
3.50%
Min Deposit$5
Min Balance$0
DetailsQualifications Required; Balance: $0.00 - $25,000.00; Qualifying balance up to $25,000.00; Must be a member or establish membership with $5 in a Primary Savings Account
Last Updated10/31/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 4 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Club Savings
0.25%
0.25%
Min Balance$50
DetailsBalance: $50 minimum average daily balance required to earn APY; Dividends calculated on daily balance method and credited monthly
Last Updated10/31/2026
Rate History
No change since Oct 7, 2026 · 0.25% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Service Federal Credit Union Business Savings Rates
Product
Rate
APY
View More
Business Savings
0.25%
0.25%
Min Balance$50
DetailsCall To Get Started
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 9 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Business Secondary Savings
0.25%
0.25%
Min Balance$50
DetailsCall To Get Started
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 9 times
No change since Sep 18, 2026 · 0.55% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Service Federal Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business Money Market
2.472%
2.50%
Min Balance$100,000
DetailsCall To Get Started; Balance: $100,000.00 - $249,999.99
Last Updated10/31/2026
Rate History
1 change since Sep 18, 2026 · 1.70% → 2.50% ▲ 0.80 pts · high 2.50% / low 1.70%
Oct 7, 20262.50%▲ from 1.70%
Sep 18, 20261.70%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Business Money Market
0.698%
0.70%
Min Balance$25,000
DetailsCall To Get Started; Balance: $25,000.00 - $99,999.99
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 9 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Business Money Market
0.549%
0.55%
Min Balance$2,500
DetailsCall To Get Started; Balance: $2,500.00 - $24,999.99
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 0.55% APY · checked 9 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Service Federal Credit Union Checking Rates
Product
Rate
APY
View More
BusinessPlus Checking
0.399%
0.40%
Min Balance$25,000
DetailsBalance: $25,000.00; Minimum Average Daily Balance
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 0.40% APY · checked 7 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
BusinessPlus Checking
0.349%
0.35%
Min Balance$10,000
DetailsBalance: $10,000.00; Minimum Average Daily Balance
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Dividend Checking
0.15%
0.15%
Min Balance$0
DetailsBalance: $0.00; Monthly maintenance fee of $10.00 if balance falls below $1500.00 on any calendar day; Must be a member or eligible for membership with at least $5 in a Primary Savings Account
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Dividend Checking
-
0.15%
Min Balance$1,500
DetailsVariable APY; $1,500 minimum daily balance to avoid monthly maintenance fee of $10.00; must be a member or eligible with $5 in a Primary Savings Account; rate accurate as of 2/25/25
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 9 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Service Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
External Auto Loan Refinance
-
-
3.99%
DetailsAs Low As; Vehicle Loan Rates; Rates Starting At; Rates advertised for external refinances only; Rate advertised with a .75% reduction for the Direct Deposit+ checking account tier
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Vehicle Loan - External Auto Loan Refinance
-
-
3.99%
DetailsAs Low As; Rates starting at 3.99% APR; External refinances only; Advertised with .75% reduction for Direct Deposit+ checking tier (4.74% APR less .75% = 3.99%)
Last Updated10/31/2026
Rate History
No change since Oct 31, 2026 · 3.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Automobiles
-
-
4.74%
DetailsAs Low As; Vehicle Loan Rates; Rates Starting At; Rates advertised with a .75% reduction for the Direct Deposit+ checking account tier; New and Used auto rates are the same for vehicles up to 3 model years old
Last Updated10/31/2026
Rate History
1 change since Sep 18, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
Oct 7, 20264.74%▲ from 4.49%
Sep 18, 20264.49%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Vehicle Loan - Automobiles
-
-
4.74%
DetailsAs Low As; Rates starting at 4.74% APR; Advertised with .75% reduction for Direct Deposit+ checking tier (5.49% APR less .75% = 4.74%); New and used rates same for vehicles up to 3 model years old
Last Updated10/31/2026
Rate History
No change since Oct 31, 2026 · 4.74% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Vehicle Loan - Motorcycles
-
-
8.24%
DetailsAs Low As; Rates starting at 8.24% APR
Last Updated10/31/2026
Rate History
No change since Oct 31, 2026 · 8.24% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
ATVs, Personal Water Vehicles, Snowmobiles Loan
-
-
8.84%
DetailsAs Low As; Vehicle Loan Rates; Rates Starting At; Call or Visit a Branch to Apply; Rates advertised with a .75% reduction for the Direct Deposit+ checking account tier
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 8.84% APR · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Vehicle Loan - ATVs, Personal Water Vehicles, Snowmobiles
-
-
8.84%
DetailsAs Low As; Rates starting at 8.84% APR; Call or Visit a Branch to Apply
Last Updated10/31/2026
Rate History
No change since Oct 31, 2026 · 8.84% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Vehicle Loan - UTVs
-
-
8.84%
DetailsAs Low As; Rates starting at 8.84% APR; Call or Visit a Branch to Apply
Last Updated10/31/2026
Rate History
No change since Oct 31, 2026 · 8.84% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Vehicle Loan - Boats
-
-
10.24%
DetailsAs Low As; Rates starting at 10.24% APR; Call or Visit a Branch to Apply
Last Updated10/31/2026
Rate History
No change since Oct 31, 2026 · 10.24% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Vehicle Loan - RVs/Campers
-
-
10.24%
DetailsAs Low As; Rates starting at 10.24% APR; Call or Visit a Branch to Apply
Last Updated10/31/2026
Rate History
No change since Oct 31, 2026 · 10.24% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Service Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycles Loan
-
8.24%
DetailsAs Low As; Vehicle Loan Rates; Rates Starting At; Rates advertised with a .75% reduction for the Direct Deposit+ checking account tier
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 8.24% APR · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
UTVs Loan
-
8.84%
DetailsAs Low As; Vehicle Loan Rates; Rates Starting At; Call or Visit a Branch to Apply; Rates advertised with a .75% reduction for the Direct Deposit+ checking account tier
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 8.84% APR · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Boats Loan
-
10.24%
DetailsAs Low As; Vehicle Loan Rates; Rates Starting At; Call or Visit a Branch to Apply; Rates advertised with a .75% reduction for the Direct Deposit+ checking account tier
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 10.24% APR · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
RVs/Campers Loan
-
10.24%
DetailsAs Low As; Vehicle Loan Rates; Rates Starting At; Call or Visit a Branch to Apply; Rates advertised with a .75% reduction for the Direct Deposit+ checking account tier
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 10.24% APR · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Service Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Everyday Card
-
11.90%
DetailsAs Low As; APR range 11.90% - 18.00%
Last Updated10/31/2026
Rate History
1 change since Sep 18, 2026 · 11.65% → 11.90% ▲ 0.25 pts · high 11.90% / low 11.65%
Oct 7, 202611.90%▲ from 11.65%
Sep 18, 202611.65%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Visa Signature Everyday Elite Card
-
17.90%
DetailsAs Low As; APR range 17.90% - 18.00%
Last Updated10/31/2026
Rate History
1 change since Sep 18, 2026 · 17.65% → 17.90% ▲ 0.25 pts · high 17.90% / low 17.65%
Oct 7, 202617.90%▲ from 17.65%
Sep 18, 202617.65%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Visa Everyday Starter Card
-
18.00%
DetailsAs Low As; APR 18.00%
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 18.00% APR · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Service Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
ATVs, Personal Water Vehicles, Snowmobiles Loan
8.84%
DetailsAs Low As; Vehicle Loan Rates; Rates Starting At; Call or Visit a Branch to Apply; Rates advertised with a .75% reduction for the Direct Deposit+ checking account tier
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 8.84% APR · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Vehicle Loan - ATVs, Personal Water Vehicles, Snowmobiles
8.84%
DetailsAs Low As; Rates starting at 8.84% APR; Call or Visit a Branch to Apply
Last Updated10/31/2026
Rate History
No change since Oct 31, 2026 · 8.84% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Personal Loan
11.24%
DetailsAs Low As; Rates Starting At; APR*
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 11.24% APR · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Personal Line of Credit
11.99%
DetailsAs Low As; Rates Starting At; APR*
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 11.99% APR · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Visa Signature Everyday Elite Card
17.90%
DetailsAs Low As; APR range 17.90% - 18.00%
Last Updated10/31/2026
Rate History
1 change since Sep 18, 2026 · 17.65% → 17.90% ▲ 0.25 pts · high 17.90% / low 17.65%
Oct 7, 202617.90%▲ from 17.65%
Sep 18, 202617.65%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Service Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Energy Efficiency Loan
-
-
8.49%
DetailsAs Low As; Rates Starting At; APR*
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 8.49% APR · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
IRA and ROTH IRA Accounts
0.598%
-
0.60%
Min Deposit$50
Min Balance$50
DetailsMinimum Average Daily Balance: $50.00; Penalty for early withdrawal
Last Updated10/31/2026
Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.25%
Financial Health History
Service Federal Credit Union’s Texas Ratio rose from 2.61% in Q3 2023 to 16.25% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 and its Health Grade from A+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$6.7B
16.25%
4.9
A-
March 31, 2026
$6.6B
16.71%
4.9
A-
December 31, 2025
$6.5B
17.78%
4.8
B+
September 30, 2025
$6.3B
10.17%
5.0
A
June 30, 2025
$6.1B
7.74%
5.0
A
March 31, 2025
$6.0B
7.31%
5.0
A
December 31, 2024
$5.8B
3.37%
5.0
A+
September 30, 2024
$5.7B
3.25%
5.0
A+
June 30, 2024
$5.6B
3.04%
5.0
A+
March 31, 2024
$5.5B
2.67%
5.0
A+
December 31, 2023
$5.5B
3.00%
5.0
A+
September 30, 2023
$5.5B
2.61%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Service Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Service Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Service Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
500,656,309
Total Uninsured Shares and Deposits > $250K (F+J)
500,656,309
Total Insured Shares and Deposits > $250K (item 17 less item K)
5,337,249,309
Total Interest Expense (Sum of items 6 8)
56,093,430
Share Certificates
58,886
Number of Accounts for Share Drafts
271,586
IRA KEOGH Accounts
9,979
Number of Accounts for Regular Shares
508,143
Non Member Deposits
22
Money Market Shares
7,991
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
163,223,793
Total Liabilities
5,928,351,851
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Service Federal Credit Union
Does Service Federal Credit Union offer CDs?
Yes. Service Federal Credit Union current CD rates include its 12 Month CD at 4.10% APY, its CD 12 month at 4.10% APY and its 6 Month CD at 4.00% APY, verified by MonitorBankRates as of October 31, 2026.
Are CDs from Service Federal Credit Union NCUA insured?
Yes. Service Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Service Federal Credit Union?
The highest Service Federal Credit Union CD rate is its 12 Month Share & IRA CD at 4.10% APY, verified by MonitorBankRates as of October 31, 2026.
What CD terms does Service Federal Credit Union offer?
Service Federal Credit Union CD rates are 4.00% APY for a 6 month CD, 4.00% APY for a 9 month CD, 4.10% APY for a 12 month CD, 3.00% APY for an 18 month CD, 3.00% APY for a 2 year CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Service Federal Credit Union for its full lineup.
What is the highest savings rate at Service Federal Credit Union?
The highest Service Federal Credit Union savings rate is its Primary Savings Account at 5.00% APY, verified by MonitorBankRates as of October 31, 2026.
What is the highest money market rate at Service Federal Credit Union?
The highest Service Federal Credit Union money market rate is its Business Money Market at 2.50% APY, verified by MonitorBankRates as of October 31, 2026.
What is the highest checking rate at Service Federal Credit Union?
The highest Service Federal Credit Union checking rate is its BusinessPlus Checking at 0.40% APY, verified by MonitorBankRates as of October 31, 2026.
What is the lowest auto loan rate at Service Federal Credit Union?
The lowest Service Federal Credit Union auto loan rate is its External Auto Loan Refinance at 3.99% APR, verified by MonitorBankRates as of October 31, 2026.
What is the lowest personal loan rate at Service Federal Credit Union?
The lowest Service Federal Credit Union personal loan rate is its ATVs, Personal Water Vehicles, Snowmobiles Loan at 8.84% APR, verified by MonitorBankRates as of October 31, 2026.
What is the lowest credit card APR at Service Federal Credit Union?
The lowest Service Federal Credit Union credit card APR is its Visa Everyday Card Credit Card at 11.90% APR, verified by MonitorBankRates as of October 31, 2026.
How many branches does Service Federal Credit Union operate?
Service Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Service Federal Credit Union?
Yes, to access services at Service Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Service Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Service Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Service Federal Credit Union offer online and mobile banking?
Most modern institutions like Service Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.servicecu.org.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Service Federal Credit Union rates compare?
Service Federal Credit Union's CD rates are 12% higher than the MonitorBankRates national average, and it has an A- health rating. Service Federal Credit Union's top rates are its 12 Month Share & IRA CD at 4.10% APY, its Deployed Warrior Savings at 10.00% APY, its Business Money Market at 2.50% APY, its BusinessPlus Checking at 0.40% APY, its ATVs, Personal Water Vehicles, Snowmobiles Loan at 8.84% APR and its Visa Everyday Card Credit Card at 11.90% APR, verified by MonitorBankRates on October 31, 2026.
Current Service Federal Credit Union Rates
12-Month CD3.20%
18-Month CD3.00%
24-Month CD3.00%
60-Month CD2.50%
Savings10.00%
MMA2.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
