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: 10.00%, MMA: 2.50%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Service Federal Credit Union

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Service Federal Credit Union Rates & Review October 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: October 7, 2026

Service Federal Credit Union's top rates as of October 7, 2026 are 4.10% APY on its 12 Month Business CD, 10.00% APY on savings, 2.50% APY on money market accounts, 0.40% APY on checking, rv, boat and powersport loans from 8.84% APR, and credit cards from 11.90% APR, according to rates verified by MonitorBankRates. Other Service Federal Credit Union CD rates include 12 Month Share & IRA CD at 4.10%, 12 Month CD at 4.10%, and 6 Month Business CD at 4.00%. 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 10/07/2026.

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 Health Score: 91/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

16.25%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Service Federal Credit Union
Corporate Headquarters

3003 Lafayette Rd
Portsmouth, NH 03801

https://www.servicecu.org

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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
12 Month Share & IRA Certificate	4.025%	4.10%	12 Months
Min Balance $500 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.10% APY · checked 5 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 Deposit $500 Min Balance $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, 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. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.10% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 5 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 Deposit $250 Min Balance $250 Details Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, 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. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 5 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 Deposit $500 Min Balance $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, 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. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.25% APY · checked 5 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 Deposit $500 Min Balance $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, 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. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.20% APY · checked 5 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 Deposit $500 Min Balance $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, 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. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.10% APY · checked 5 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 Deposit $500 Min Balance $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, 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. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 5 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 Deposit $500 Min Balance $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, 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. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 5 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 Deposit $500 Min Balance $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, 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. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.50% APY · checked 5 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 Deposit $500 Min Balance $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, 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. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 3 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 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.45% APY · checked 5 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 Deposit $500 Min Balance $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, 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. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.45% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.35% APY · checked 5 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 Deposit $500 Min Balance $500 Details Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, 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. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.35% APY · checked 6 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
12 Month Business Share Certificate	4.025%	4.10%	12 Months
Min Balance $500 Details Balance: $500.00 - $500.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.10% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
6 Month Business Share Certificate	3.928%	4.00%	6 Months
Min Balance $500 Details Balance: $500.00 - $500.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
9 Month Business Share Certificate	3.928%	4.00%	9 Months
Min Balance $500 Details Balance: $500.00 - $500.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
3 Month Business Share Certificate	3.203%	3.25%	3 Months
Min Balance $500 Details Balance: $500.00 - $500.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
11 Month Business Share Certificate	3.154%	3.20%	11 Months
Min Balance $500 Details Balance: $500.00 - $500.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
15 Month Business Share Certificate	3.057%	3.10%	15 Months
Min Balance $500 Details Balance: $500.00 - $500.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
18 Month Business Share Certificate	2.96%	3.00%	18 Months
Min Balance $500 Details Balance: $500.00 - $500.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
24 Month Business Share Certificate	2.96%	3.00%	24 Months
Min Balance $500 Details Balance: $500.00 - $500.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
60 Month Business Share Certificate	2.472%	2.50%	60 Months
Min Balance $500 Details Balance: $500.00 - $500.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
48 Month Business Share Certificate	2.423%	2.45%	48 Months
Min Balance $500 Details Balance: $500.00 - $500.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.45% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
36 Month Business Share Certificate	2.325%	2.35%	36 Months
Min Balance $500 Details Balance: $500.00 - $500.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.35% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%

Service Federal Credit Union Savings Rates

Product	Rate	APY
Deployed Warrior Savings Account	9.569%	10.00%
Min Balance $0 Details Qualifications Required: Direct deposit of net pay into Service CU account; serving in a combat zone as defined by Service CU; orders of deployment to a combat zone must be provided; eCommunications is required; Tier: Tier 1. Balance: $0.00. *Warriors deployed in combat zones may deposit up to $10,000 into a Service CU Deployed Warrior Savings Account which earns 10% APY (Annual Percentage Yield) up to $10,000.00. If actual daily balance exceeds $10,000, the remaining balance will receive variable APY of 10%-0.10%. Rates are variable and subject to change; accurate as of 09/08/2026. Service member must be serving in a combat zone as defined by Service CU; orders of deployment to a combat zone must be provided. Direct deposit of net pay is required into members Service CU account. No minimum balance is required to open the Deployed Warrior Savings Account; $5 deposit is required to open a Primary Savings Account. Monthly deposits into a Deployed Warriors Savings Account cannot exceed the amount of your monthly net military pay; however, deposits into the Deployed Warrior Savings Account may be direct deposit, an allotment, or a transfer of funds from a Service CU account. Withdrawals are not permitted from a Deployed Warrior Savings Account. If a withdrawal is made from the Deployed Warrior Savings Account before the redeployment date plus 120 days, the funds in the Deployed Warrior Savings Account will be transferred to the Primary Savings Account, and the Deployed Warrior Savings Account will be closed. The Deployed Warrior Savings Account will stop accruing 10% APY at the end of the month of return date per deployment orders plus 120 days. eCommunications is required. Last Updated 10/07/2026 Rate History No change since Sep 18, 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 Balance $0 Details Balance: $0.00 - $500 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 5.00% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
Club Savings	0.25%	0.25%
Min Balance $50 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
Primary Savings	-	0.25%
Min Deposit $5 Min Balance $500 Details Variable APY of 5.00% on daily balances up to $500.00; remaining balance receives variable APY of 5.00%-0.25%. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.25% APY · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%

Service Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Savings	0.25%	0.25%
Min Balance $50 Details Balance: $50.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
Business Secondary Savings	0.25%	0.25%
Min Balance $50 Details Balance: $50.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%

Service Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	2.472%	2.50%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/07/2026 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%
Money Market Account	0.698%	0.70%
Min Balance $25,000 Details Balance: $25,000 - Tier 2 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
Money Market Account	0.549%	0.55%
Min Balance $2,500 Details Balance: $2,500 - Tier 1 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 6 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
Business Money Market	2.472%	2.50%
Min Balance $100,000 Details Rates shown are Annual Percentage Yield (APY), accurate as of 10/01/2026 and subject to change without notice. Fees may reduce earnings on the account. Last Updated 10/07/2026 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 Details Rates shown are Annual Percentage Yield (APY), accurate as of 10/01/2026 and subject to change without notice. Fees may reduce earnings on the account. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 6 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 Details Rates shown are Annual Percentage Yield (APY), accurate as of 10/01/2026 and subject to change without notice. Fees may reduce earnings on the account. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%

Service Federal Credit Union Checking Rates

Product	Rate	APY
BusinessPlus Checking	0.399%	0.40%
Min Balance $25,000 Details Balance: $25,000.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
BusinessPlus Checking	0.349%	0.35%
Min Balance $10,000 Details Balance: $10,000.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
Dividend Checking	0.15%	0.15%
Min Balance $0 Details Balance: $0.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
Dividend Checking	-	0.15%
Min Balance $1,500 Details Earn 0.15% APY on your balance. $1,500 minimum daily balance to avoid a monthly fee of $10.00. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 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
External Auto Loan Refinance	-	-	3.99%
Details As Low As; ** Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
Automobiles	-	-	4.74%
Details As Low As; * Last Updated 10/07/2026 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%
ATVs, Personal Water Vehicles, Snowmobiles Loan	-	-	8.84%
Details As Low As; *; Call or Visit a Branch to Apply Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 8.84% APR · checked 6 times 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
Motorcycles Loan	-	8.24%
Details As Low As; * Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
UTVs Loan	-	8.84%
Details As Low As; *; Call or Visit a Branch to Apply Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 8.84% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
Boats Loan	-	10.24%
Details As Low As; *; Call or Visit a Branch to Apply Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 10.24% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
RVs/Campers Loan	-	10.24%
Details As Low As; *; Call or Visit a Branch to Apply Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 10.24% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%

Service Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Everyday Card	-	11.90%
Details Published APR range: 11.90% - 18.00%. Regular APR: 11.90% - 18.00% Last Updated 10/07/2026 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%
Details Published APR range: 17.90% - 18.00%. Regular APR: 17.90% - 18.00% Last Updated 10/07/2026 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%
Details Regular APR: 18.00% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 18.00% APR · checked 6 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%
Details As Low As; *; Call or Visit a Branch to Apply Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 8.84% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
Personal Loan	11.24%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 11.24% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
Personal Line of Credit	11.99%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 11.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
Visa Signature Everyday Elite Card	17.90%
Details Published APR range: 17.90% - 18.00%. Regular APR: 17.90% - 18.00% Last Updated 10/07/2026 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
Energy Efficiency Loan	-	-	8.49%
Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%
IRA and ROTH IRA Accounts	0.598%	-	0.60%
Min Balance $50 Details Balance: $50.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.25%

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.
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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.

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 894

Part-Time Employees 90

Branch Locations 52

ATM Locations 52

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.9 / 5.0 ★

Overall Health & Safety Grade

A- (91/100)

Texas Ratio

16.25%

Return on Assets (ROA)

0.4705%

Return on Equity (ROE)

3.9561%

Non-Performing Loans Ratio (NPL)

2.60%

Total Assets

6,700,576,159

Total Amount of Shares and Deposits

5,837,905,618

Total Shares and Deposits < 1 Year

5,737,017,867

Total Shares and Deposits 1 3 Years

94,335,091

Total Shares and Deposits > 3 Years

6,552,660

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

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

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Total Reviews

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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.

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.

Compare to Other Credit Unions

Service Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Service Federal Credit Union Texas Ratio

Service Federal Credit Union Health Trend

Service Federal Credit Union CD Rates

Service Federal Credit Union Business CD Rates

Service Federal Credit Union Savings Rates

Service Federal Credit Union Business Savings Rates

Service Federal Credit Union Money Market Rates

Service Federal Credit Union Business Money Market Rates

Service Federal Credit Union Checking Rates

Service Federal Credit Union Auto Loan Rates

Service Federal Credit Union RV, Boat and Powersport Loan Rates

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Service Federal Credit Union Personal Loan Rates

Service Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Customer Reviews

Frequently Asked Questions About Service Federal Credit Union

How many branches does Service Federal Credit Union operate?

Is a member application needed to join Service Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Service Federal Credit Union offer online and mobile banking?

Current Service Federal Credit Union Rates

Compare to Other Credit Unions