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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 September 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.
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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: September 22, 2026
Service One Credit Union's 18 Month CD rates are at 3.30%, 24 Month CD rates are at 3.30%, 30 Month CD rates are at 3.30%, 36 Month CD rates are at 3.30%, 12 Month CD 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 as low as 14.75%. Service One Credit Union's Credit Card Rates are at 11.75%. 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 6.25%. Rates last updated and verified on 09/22/2026. 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 Auto Loan Rates
Service One Credit Union Credit Card Rates
Service One Credit Union Personal Loan Rates
Service One Credit Union Other Rates
Financial Health HistoryService One Credit Union’s Texas Ratio rose from 4.35% in Q2 2023 to 6.25% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
Harold Little, Jr.
CEO
Justin Morris
Full-Time Employees
61
Part-Time Employees
9
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.25%
Return on Assets (ROA)
0.1024%
Return on Equity (ROE)
1.0950%
Non-Performing Loans Ratio (NPL)
0.84%
Total Assets
270,770,436
Total Amount of Shares and Deposits
245,112,457
Total Shares and Deposits < 1 Year
239,117,900
Total Shares and Deposits 1 3 Years
4,162,893
Total Shares and Deposits > 3 Years
1,831,664
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,474,841
Total Uninsured Shares and Deposits > $250K (F+J)
12,474,841
Total Insured Shares and Deposits > $250K (item 17 less item K)
232,637,616
Total Interest Expense (Sum of items 6 8)
1,012,443
Share Certificates
2,218
Number of Accounts for Share Drafts
10,925
IRA KEOGH Accounts
451
Number of Accounts for Regular Shares
19,126
Non Member Deposits
14
Money Market Shares
210
Net Income (unless the amount is already included in Undivided Earnings)
277,354
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)
28,482,341
Total Liabilities
246,152,159
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Service One Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Service One Credit Union
Frequently Asked Questions About Service One Credit UnionHow 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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