Our members and their goals matter to us.
We understand that people are trusting us with their money, time and dreams, and we take that very seriously. In fact, we’re here for our members because we share those dreams, as well as a mutual respect for the values that connect us: values such as family, community, service and financial integrity.
“Ready to serve” isn’t just a tagline or motto. It’s the way we run ourcredit union. No matter the situation, at the root of everything, we’re “Ready.” From our headquarters in Portsmouth, New Hampshire, to countries around the world, we take pride in always being prepared for our members, our staff and for our future.
We want to make your new membership as easy as possible with the resources you need to get going. Are you ready?
Online Access
With online and mobile banking, you can access your accounts anytime, anywhere. Skip the trip to the branch and enjoy features such as:
- Bill Pay–Find “Bill Pay” on your online banking home screen, or in the bottom, center of your mobile app options. Click “sign up” and select the Service Credit Union checking account you would like to pay bills from. From there, you may set up one-time or reoccurring payments.
- Apply for Loans, and Pay Your Loan Using Any Financial Institution–To apply for a loan, find the “Apply for a Loan” option in the top, center of your online banking options. If you are using your mobile app, you will find this under the “More” option. From here, you will be taken to a separate loan application page. To pay an existing loan, find “Pay Your Service CU Loan” at the top left of your online banking options, or look for “Loan Payment” under “More” in your mobile app. From there, you will be able to select or set up the account from which you would like to pay your loan, and can set up reoccurring monthly payments.*
- Online Deposit– If you have been a member for a minimum of 30 days and are enrolled in online banking, you can make deposits through our mobile app, or with a computer and scanner.**
- See Your FICO® Credit Score– Click on “My FICO® Score” on the top right of your online banking options, or look under “More” in the mobile app.
- Transfer Funds– In online banking, select “Transfer Funds” from the center of your menu options. In your mobile app, select “Transfers,” located at bottom left of your screen. From there, select whether you will be making an internal or external transfer and the amount to transfer.***
Ready to get started?
Click here to register for Online Banking. You’ll just need your member ID and PIN number (last four digits of your SSN). To download our mobile app, visit theApp StoreorGoogle Play.
Go Paperless
Want to ditch the paper, and see your transactions online? Sign up for eCommunications within Online Banking. Still need to register for Online Banking? Pleaseclick here. Once you’ve logged in to Online Banking, navigate to Statements and Documents and accept the eCommunications disclosure.
Bank
Helping youmanage your money is our top priority. With a variety of checking accounts, higher-dividend share certificates and a tiered approach to money market accounts, Service Credit Union makes it easy to manage and grow your money. Check out ourcurrent rates here.
Borrow
We are proud to offer low rates, fast approval and an easy application process for all our lending products. Learn more about ourcredit card,personalandautoloan options.
From your first home to a jumbo loan, we have you covered. Learn more about ourmortgageandhome equityproducts.
Invest
We have plans to help you sock money away for those long-term goals that won’t stress you out along the way.Click hereto see how the MEMBERS Financial Services Program can help you plan for life’s biggest events.
Insure
Learn moreabout our discounted insurance options with partners such as Travelers and TruStage®.
Don’t Miss Out on Current Promotions
Don’t miss out on the latest offers and specials from Service Credit Union. Check out all of ourcurrent promotions here.
*Account used to make a loan payment must be held in your name.
**Must meet qualifications for use of this service. Account must be open for at least 30 days from first deposit and must be in good standing. Daily/monthly limitations apply. $200 of total checks deposited each business day will be made available with the remainder on hold for a minimum of 2 business days. Online deposit must be reviewed and accepted for deposit prior to being posted to an account. Third party checks are not accepted.
***When sending funds to another financial institution, your name must be listed as an owner on both the sending and receiving accounts. A fee of $9 will be assessed if you select the premium transfer option for external transfers. Additional conditions apply. Please see the External Transfers Terms and Conditions for more information.
FAQs
A credit union might be the better choice if you value high savings account rates and low fees, plus like the idea of being part of the ownership group. But if you need a bigger menu of banking products and services and want to be near a branch, then you may be better off at a traditional bank.
Is a credit union better than a bank? ›
A credit union might be the better choice if you value high savings account rates and low fees, plus like the idea of being part of the ownership group. But if you need a bigger menu of banking products and services and want to be near a branch, then you may be better off at a traditional bank.
What states are service credit unions in? ›
Service Credit Union operates 37 branches in New Hampshire, Massachusetts, and North Dakota; and 14 branches serving American military personnel stationed in Germany. Service Credit Union offers deposit accounts, including checking, savings, and money market; and lending products, including auto loans and credit cards.
How to transfer money from service credit union to bank account? ›
An external transfer allows you to connect your external bank with your Service Credit Union account for the purpose of transferring funds to and from the external account. To set up an external transfer, please follow these steps: Log into online banking. Click on the following: Transfer Funds>External Transfers. >
How do I check my URW balance? ›
Enter your mobile phone number and accept the mobile banking agreement. You are now ready to access your account information via text message. Simply text BAL or HIST to 59289 to check your account balances or to see if a transaction has cleared your account.
What is the downside of using a credit union? ›
Limited accessibility. Credit unions tend to have fewer branches than traditional banks. A credit union may not be close to where you live or work, which could be a problem unless your credit union is part of a shared branch network and/or a large ATM network such as Allpoint or MoneyPass.
Is money safer in bank or credit union? ›
One question that often arises is, "Are Credit Unions Safer than Banks?" If you're looking for a short answer, you'll be happy to know that we're not making you read the whole post: Credit Unions and banks are roughly identical in safety because deposits at both are insured by the Federal government to $250,000.
Who are the top 5 credit unions? ›
The largest credit unions in the U.S. include Navy Federal, State Employees', PenFed, Boeing Employees', SchoolsFirst, Golden 1, America First and Alliant. Ashley Donohoe is a personal finance writer based in Cincinnati covering banking, loans, investments and taxation.
What are the three largest credit unions? ›
The five largest credit unions are Navy Federal Credit Union, State Employees' Credit Union, PenFed Credit Union, SchoolsFirst Federal Credit Union and Boeing Employees Credit Union. The largest, Navy Federal Credit Union, has more in assets than the rest of the top five combined.
What is the oldest credit union in the United States? ›
April 6, 1909 – St. Mary's Cooperative Credit Association, the first U.S. credit union, opens in Manchester, New Hampshire, with assistance from Alphonse Desjardins. Massachusetts Bank Commissioner Pierre Jay and wealthy Boston merchant Edward A.
To get started, log into online banking or your mobile app, navigate to Transfer Funds and select "Send Money with Zelle®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle.
Is Service Credit Union FDIC insured? ›
Just like banks, credit unions are federally insured; however, credit unions are not insured by the Federal Deposit Insurance Corporation (FDIC). Instead, the National Credit Union Administration (NCUA) is the federal insurer of credit unions, making them just as safe as traditional banks.
What is the daily limit for SCU? ›
There is a daily ATM withdrawal limit of $1,000 and a limit of $2,500 for purchases (POS – Point of Sale), assuming the funds are available.
Can I check my balance online? ›
Online banking allows you to access your bank account from any computer or device with internet access. To check your account balance, log in to your bank's online banking website using your username and password. Once you're logged in, navigate to the account balance section.
How do I check how much balance my card has? ›
3 ways to check your credit card balance
- Check your statement. To see your statement balance, you can review the most recent statement your credit card issuer sent you via email or mail. ...
- Log in to your account. ...
- Check your credit report.
You have several ways to check your bank account balance, including logging in to the bank's website, using the bank's mobile app, visiting an ATM and calling the bank.
Is it good to put your savings in a credit union? ›
Statistically, personal savings accounts from Credit Unions fare better than accounts in major banks. Grow your money faster with a Value+ Money Market account, or a share certificate.
What is the point of a credit union? ›
Credit unions operate to promote the well-being of their members. Profits made by credit unions are returned back to members in the form of reduced fees, higher savings rates and lower loan rates.
Are credit unions safer than banks during a recession? ›
Both can be hit hard by tough economic conditions, but credit unions were statistically less likely to fail during the Great Recession. But no matter which you go with, you shouldn't worry about losing money. Both credit unions and banks have deposit insurance and are generally safe places for your money.
Do credit unions help build credit? ›
While the individual options may differ from one to the next, most credit unions offer custom loan programs designed to help borrowers establish credit for the first time or rebuild damaged credit. Some credit unions use aptly-named “credit builder loans” that function much like secured credit cards.
