What are the current interest rates at Service Federal Credit Union?

Current rates for Service Federal Credit Union include: 12-Month CD: 3.20%, 18-Month CD: 3.00%, 24-Month CD: 3.00%, 60-Month CD: 2.50%, Savings: 0.25%, MMA: 0.55%

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Service Federal Credit Union Rates & Review August 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Service Federal Credit Union's 12 month rates are at 4.00%, 6 month rates are at 4.00%, 9 month rates are at 4.00%, 6 month Business CD rates are at 4.00%, 3 month rates are at 3.25%. Service Federal Credit Union's savings rates are at 0.25%. Service Federal Credit Union's money market rates are at 0.55%. Service Federal Credit Union's Personal Loan Rates are at 8.84%. MonitorBankRates evaluates the financial stability of Service Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.17%. Rates last updated and verified on 08/28/2026.

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

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.17%

Excellent Higher than avg

Service Federal Credit Union
Corporate Headquarters

3003 Lafayette Rd
Portsmouth, NH 03801

https://www.servicecu.org

Service Federal Credit Union CD Rates

Product	Rate	APY	Term
12 month	3.93%	4.00%	12 Months
Min Deposit $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
6 month	3.93%	4.00%	6 Months
Min Deposit $250 Details Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
9 month	3.93%	4.00%	9 Months
Min Deposit $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
6 month Business Share Certificate	3.93%	4.00%	6 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
3 month	3.20%	3.25%	3 Months
Min Deposit $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
3 month Business Share Certificate	3.20%	3.25%	3 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
11 month	3.15%	3.20%	11 Months
Min Deposit $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
11 month Business Share Certificate	3.15%	3.20%	11 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
15 month	3.06%	3.10%	15 Months
Min Deposit $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
15 month Business Share Certificate	3.06%	3.10%	15 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
18 month	2.96%	3.00%	18 Months
Min Deposit $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
24 month	2.96%	3.00%	24 Months
Min Deposit $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
18 month Business Share Certificate	2.96%	3.00%	18 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
60 month	2.47%	2.50%	60 Months
Min Deposit $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
60 month Business Share Certificate	2.47%	2.50%	60 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
48 month	2.42%	2.45%	48 Months
Min Deposit $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
48 month Business Share Certificate	2.42%	2.45%	48 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
36 month	2.33%	2.35%	36 Months
Min Deposit $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
36 month Business Share Certificate	2.33%	2.35%	36 Months
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%

Service Federal Credit Union Savings Rates

Product	Rate	APY
Deployed Warrior Savings	9.57%	10.00%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
Primary Savings	-	5.00%
Min Deposit $5 Details APY on first $500; 0.25% APY on funds over $500. Annual Percentage Yield (APY) is accurate as of the last dividend declaration date of 10/16/2025 and subject to change without notice. Dividends paid on daily balances of up to $500; variable APY of 5.00%. If actual daily balance exceeds $500, the remaining balance will receive variable APY of 5%-0.25%. Dividends are calculated based on the daily balance with the sum of the daily earnings credited on the last day of each month. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
Holiday Club Savings Account	2.96%	3.00%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
Business Savings	0.25%	0.25%
Min Balance $50 Details Rates shown are Annual Percentage Yield (APY), accurate as of 11/16/2025 and subject to change without notice. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
Business Secondary Savings	0.25%	0.25%
Min Balance $50 Details Rates shown are Annual Percentage Yield (APY), accurate as of 11/16/2025 and subject to change without notice. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
Club Savings Account	0.25%	0.25%
Min Balance $50 Details No minimum deposit required to open the account. A $50 minimum average daily balance is required to earn APY. Fees may reduce earnings on account. Dividends are calculated based on the daily balance method and credited on the last day of each month. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%

Service Federal Credit Union Money Market Rates

Product	Rate	APY
Business Money Market	2.47%	2.50%
Min Balance $250,000 Details Rates shown are Annual Percentage Yield (APY), accurate as of 11/16/25 and subject to change without notice. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
Business Money Market	1.69%	1.70%
Min Balance $100,000 Details Rates shown are Annual Percentage Yield (APY), accurate as of 11/16/25 and subject to change without notice. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
Money Market Account	1.69%	1.70%
Min Balance $100,000 Details Minimum balance to earn dividends is $2,500.00; variable APY of 0.55%. For balances of $25,000.00 to $99,999.99; variable APY of .70%. For balances $100,000.00 or greater; variable APY of 1.70%. If at any time during the month the money market daily balance drops below $2,500.00, a fee will be assessed. Please see the fee schedule for the monthly fee amount. Fees could reduce the earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
Business Money Market	0.70%	0.70%
Min Balance $25,000 Details Rates shown are Annual Percentage Yield (APY), accurate as of 11/16/25 and subject to change without notice. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
Money Market Account	0.70%	0.70%
Min Balance $25,000 Details Minimum balance to earn dividends is $2,500.00; variable APY of 0.55%. For balances of $25,000.00 to $99,999.99; variable APY of .70%. For balances $100,000.00 or greater; variable APY of 1.70%. If at any time during the month the money market daily balance drops below $2,500.00, a fee will be assessed. Please see the fee schedule for the monthly fee amount. Fees could reduce the earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
Business Money Market	0.55%	0.55%
Min Balance $2,500 Details Rates shown are Annual Percentage Yield (APY), accurate as of 11/16/25 and subject to change without notice. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
Money Market Account	0.55%	0.55%
Min Balance $2,500 Details Minimum balance to earn dividends is $2,500.00; variable APY of 0.55%. For balances of $25,000.00 to $99,999.99; variable APY of .70%. For balances $100,000.00 or greater; variable APY of 1.70%. If at any time during the month the money market daily balance drops below $2,500.00, a fee will be assessed. Please see the fee schedule for the monthly fee amount. Fees could reduce the earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%

Service Federal Credit Union Checking Rates

Product	Rate	APY
BusinessPlus Checking	0.40%	0.40%
Min Balance $25,000 Details Rates shown are Annual Percentage Yield (APY), accurate as of 11/16/2025 and subject to change without notice. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
BusinessPlus Checking	0.35%	0.35%
Min Balance $10,000 Details Rates shown are Annual Percentage Yield (APY), accurate as of 11/16/2025 and subject to change without notice. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
Dividend Checking	0.15%	0.15%
Min Balance $0 Details Rate is accurate as of 11/16/2025. There is a monthly maintenance fee of $10.00, if the balance falls below $1500.00 on any calendar day. The fee is assessed on the last day of the month. Please see our Fee Schedule for a full list of benefits. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%

Service Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
External Auto Loan Refinance	-	-	3.99%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
Automobiles	-	-	4.24%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
ATVs, Personal Water Vehicles, Snowmobiles Loan	-	-	8.84%
Details Call or Visit a Branch to Apply Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
Auto Loan	-	-	8.84%
Details Rates shown are Annual Percentage Rate (APR), accurate as of 03/10/2026 and subject to change without notice. Rates advertised with a .75% reduction. The .75% reduction is available for the Direct Deposit+ checking account tier (example: 4.99% APR less .75% = 4.24%). Up to a .75% discount will be applied to the APR that a member qualifies for based on creditworthiness and checking account tier. The loan type, collateral age and loan term may impact the APR offered. Members must maintain the checking account tier qualifications for the life of the loan in order to keep their loan discount. Floor rate may apply. Cannot be combined with any other offer. New and Used auto rates are the same for vehicles that are up to 3 model years old (including current model year). Used vehicles in excess of 3 model years are subject to different rates than new vehicles. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%

Service Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa® Everyday Card	-	11.65%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
Visa® Signature Everyday Elite Card	-	17.65%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
Visa® Everyday Starter Card	-	18.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%

Service Federal Credit Union Personal Loan Rates

Product	Rate	APR
ATVs, Personal Water Vehicles, Snowmobiles Loan	-	8.84%
Details Call or Visit a Branch to Apply Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
Personal Loan	-	11.24%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
Personal Line of Credit	-	11.99%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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.

Credit Union Profile & Overview

Credit Union Name Service Federal Credit Union

Website https://www.servicecu.org

Address 3003 Lafayette Rd, Portsmouth, NH 03801

Phone 603-422-8300

Fax

President Susan Desjardins

CEO David Araujo

Full-Time Employees 872

Part-Time Employees 95

Branch Locations 52

ATM Locations 54

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.17%

Return on Assets (ROA)

0.8014%

Return on Equity (ROE)

6.7475%

Non-Performing Loans Ratio (NPL)

1.55%

Total Assets

6,300,313,580

Total Amount of Shares and Deposits

5,483,810,794

Total Shares and Deposits < 1 Year

5,339,837,707

Total Shares and Deposits 1 3 Years

136,269,345

Total Shares and Deposits > 3 Years

7,703,741

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

504,261,372

Total Uninsured Shares and Deposits > $250K (F+J)

504,261,372

Total Insured Shares and Deposits > $250K (item 17 less item K)

4,979,549,422

Total Interest Expense (Sum of items 6 8)

82,958,445

Share Certificates

56,724

Number of Accounts for Share Drafts

260,006

IRA KEOGH Accounts

10,009

Number of Accounts for Regular Shares

491,052

Money Market Shares

8,173

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)

166,114,257

Total Liabilities

5,577,375,512

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Service Federal Credit Union

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.