Service Credit Union
Headquarters
3003 Lafayette Rd
Portsmouth, NH 03801
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Phone 1-800-936-7730
2024 Overview
General Credit Union Information
Service is an NCUA insured institution located in Portsmouth, NH. It was founded in 1957 and has approximately $4405.3 millions in assets.
Who can join?
Eligible members in the USA include:
Individuals who live or work in the State of New Hampshire, with the exception of Coos County
Individuals who live or work in the towns of Falmouth, Mashpee, Bourne and Sandwich, Massachusetts
Families of credit union members "wherever they may live or work"
Select employer groups
Eligible members in the U.S. Military include:
Membership into Service Credit Union is now available to all military and civilian employees of the Department of Defense worldwide*.
Membership to Service Credit Union will include U.S. civilian employees and standby, inactive and active duty military personnel of the
Department of Defense located worldwide. This consists of Army, Air Force, Navy, Coast Guard, Marine Corps, Air National Guard, Army National Guard, Reserves as well as civilian and military retirees and family members.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68375 |
| Date Established | 1957 |
| Assets | $4,405.30 million |
| Loans | $3,413.83 million |
| Deposits | $3,679.41 million |
| Capital | $489.12 million |
Field of Membership Restrictions
Membership in Service Credit Union is open to :
· Active duty military, veterans and their families
· Anyone who currently works (or worked) for the Department of Defense, as well as their families
· Members of one of our Select Employer Groups
· Members of the American Consumer Council (ACC). To learn more about the ACC, click here. Use promo code “Service” to join free of charge.
Deposit Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
5.00% | $2,500 | $4,999 |
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|
|
Money Market
|
0.55% | $2,500 | - |
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|
|
Money Market
|
0.70% | $25,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
5.15% | $500 | - |
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|
| 12 Mo CD
|
0.80% | $500 | - |
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|
| 18 Mo CD
|
4.45% | $500 | - |
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|
| 24 Mo CD
|
3.50% | $500 | - |
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|
| 36 Mo CD
|
2.35% | $500 | - |
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|
| 48 Mo CD
|
2.45% | $500 | - |
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|
| 60 Mo CD
|
2.50% | $500 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.15% | $2,500 | $3,499 | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.50% | 5.50% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
||||
| 10 Year Loan
See Table |
5.38% | 5.38% | $1,079.33 | |
| 15 Year Loan
See Table |
5.63% | 5.63% | $824.00 | |
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 3.74% | 3.74% | $735.21 | |
| 4 Year | 3.74% | 3.74% | $561.57 | |
| 5 Year | 3.74% | 3.74% | $457.49 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
7.80% | 6.25% | $1,970.30 | |
| 7 Year Adjustable Conforming See Amortization Table |
7.67% | 6.50% | $2,022.62 | |
| 10 Year Adjustable Conforming See Amortization Table |
7.54% | 6.75% | $2,075.51 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.93% | 6.88% | $2,854.82 | |
| 15 Year Fixed Conforming See Amortization Table |
6.98% | 6.88% | $2,854.82 | |
| 20 Year Fixed Jumbo See Amortization Table |
7.20% | 7.13% | $2,505.99 | |
| 20 Year Fixed Conforming See Amortization Table |
7.23% | 7.13% | $2,505.99 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
7.80% | 6.25% | $1,970.30 | |
| 7 Year Adjustable Conforming See Amortization Table |
7.67% | 6.50% | $2,022.62 | |
| 10 Year Adjustable Conforming See Amortization Table |
7.54% | 6.75% | $2,075.51 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.93% | 6.88% | $2,854.82 | |
| 15 Year Fixed Conforming See Amortization Table |
6.98% | 6.88% | $2,854.82 | |
| 20 Year Fixed Jumbo See Amortization Table |
7.20% | 7.13% | $2,505.99 | |
| 20 Year Fixed Conforming See Amortization Table |
7.23% | 7.13% | $2,505.99 |
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Service branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
SERVICE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Service Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Service. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Service | U.S. Average |
|---|---|
| 1.69% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Service had $7,850,709 in non-current loans and $602,898 in owned assets. To cover these potential losses it had $489,115,153 in net worth and $12,173,985 in loans loss reserves. That gives it a Texas Ratio of 1.69%.
Net Worth
| Service | U.S. Average |
|---|---|
| 11.1% | 13.62% |
Service FCU has a net worth of 11.1% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Service
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