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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Service One Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: April 6, 2026
Service One Credit Union's 18 month CD and IRA CD Accounts rates are at 3.30%, 24 month CD and IRA CD Accounts rates are at 3.30%, 30 month CD and IRA CD Accounts rates are at 3.30%, 36 month CD and IRA CD Accounts rates are at 3.30%, 12 month CD and IRA CD Accounts rates are at 3.15%. Service One Credit Union's savings rates are at 0.11%. Service One Credit Union's money market rates are at 0.25%. Service One Credit Union's Personal Loan Rates are at 6.75%. MonitorBankRates evaluates the financial stability of Service One Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.56%. Rates were last updated on 04/06/2026. Service One 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 One Credit Union? Share your experience about Service One Credit Union by leaving a review below, or read customer reviews before you decide to use Service One Credit Union. Service One Credit Union
Campbell Ln Office 1609 Campbell Ln
https://www.socu.com Bowling Green, KY 42104 
Service One Credit Union CD Rates
Service One Credit Union Savings Rates
Service One Credit Union Money Market Rates
Service One Credit Union Checking Rates
Service One Credit Union Home Equity & HELOC
Service One Credit Union Credit Card Rates
Service One Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Service One 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 One 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 One Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Service One Credit Union
Website
https://www.socu.com
Address
1609 Campbell Ln,
Bowling Green, KY 42104
Phone
270-796-8500
Fax
270-796-9184
President
J Pat Stewart
CEO
Justin Morris
Full-Time Employees
60
Part-Time Employees
8
Branch Locations
6
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
12.56%
Return on Assets (ROA)
0.3926%
Return on Equity (ROE)
4.3773%
Non-Performing Loans Ratio (NPL)
1.46%
Total Assets
272,043,307
Total Amount of Shares and Deposits
240,855,111
Total Shares and Deposits < 1 Year
208,137,678
Total Shares and Deposits 1 3 Years
31,309,217
Total Shares and Deposits > 3 Years
1,408,215
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,610,771
Total Uninsured Shares and Deposits > $250K (F+J)
12,610,771
Total Insured Shares and Deposits > $250K (item 17 less item K)
228,244,340
Total Interest Expense (Sum of items 6 8)
3,455,849
Share Certificates
2,163
Number of Accounts for Share Drafts
10,794
IRA KEOGH Accounts
483
Number of Accounts for Regular Shares
18,855
Non Member Deposits
17
Money Market Shares
197
Net Income (unless the amount is already included in Undivided Earnings)
1,068,040
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
25,761,960
Total Liabilities
248,529,147
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Service One Credit UnionIs Service One Credit Union a safe place to deposit money?Yes, Service One Credit Union is considered a safe financial institution. With a Texas Ratio of 12.558267311562%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Service One Credit Union operate?Service One 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 One Credit Union?Yes, to access services at Service One 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 One 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 One Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Service One Credit Union offer online and mobile banking?Most modern institutions like Service One 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.socu.com. Current Service One Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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