1985 Montour Blvd, PO Box 159
Danville, PA 17821
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 1.05% →
1-Year CD 0.40% 0.95% →
2-Year CD 0.75% 1.05% →
5-Year CD 1.40% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Service 1st is an NCUA insured institution located in Danville, PA. It was founded in 1975 and has approximately $443.99 millions in assets.

Who can join?

You are eligible for membership if you or an immediate family member (child, spouse, sibling, parent, grandparent or grandchild) meet any one of the following criteria:

- You have an immediate family member who is already a member of Service 1st.
- You work for one of the Select Employee Groups.
- You have an immediate family member* who works for one of the Select Employee Groups.
- You or an immediate family member live, work, worship, attend school in or operate a businesses or other legal entity located in qualified census tracts in the following geographic areas: Carbon County, PA; Columbia County, PA; Luzerne County, PA; Lycoming County, PA; Montour County, PA; Northumberland County, PA;Sullivan County, PA; or Wyoming County, PA.

NCUA Insured Yes
Charter Number # # 22128
Date Established 1975
Assets $443.99 million
Loans $366.95 million
Deposits $384.26 million
Capital $42.59 million

Field of Membership Restrictions

Membership in Service 1St Federal Credit Union is open to those who live, work, worship or attend school in select areas of Carbon County, Columbia County, Luzerne County, Lycoming County, Montour County, Northumberland County, Sullivan County or Wyoming County, Pennsylvania. Membership is also open to employees of Bloomburng Hospital, Geisinger Health System, and over 300 area Select Employer Groups.

Deposit Rates - September 27, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.15% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.35% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.20% $10,000 $14,999 Learn More
3 Mo CD
0.20% $100,000 $199,999 Learn More
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
18 Mo CD
0.45% $10,000 $14,999 Learn More
18 Mo CD
0.45% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
1.10% $10,000 $14,999 Learn More
36 Mo CD
1.10% $100,000 $199,999 Learn More
48 Mo CD
1.15% $10,000 $14,999 Learn More
48 Mo CD
1.15% $100,000 $199,999 Learn More
60 Mo CD
1.40% $10,000 $14,999 Learn More
60 Mo CD
1.40% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.25% $1 $499 Learn MoreShow Less

Loan Rates - September 27, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SERVICE 1ST

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.815% 2.750% 0.88 $2,102 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

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Below are Service 1st branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Service 1st Locations

Financial Details

Service 1st Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Service 1st. 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 1st U.S. Average
6.72% 6.71

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 March 30, 2020, Service 1st had $2,852,028 in non-current loans and $125,600 in owned assets. To cover these potential losses it had $42,588,619 in net worth and $1,752,302 in loans loss reserves. That gives it a Texas Ratio of 6.72%.

Net Worth
Service 1st U.S. Average
9.59% 13.61%

Service 1st FCU has a net worth of 9.59% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Service 1st

Branches and Savings

What is Service 1st?

A federal credit union, registered with the NCUA under certificate #22128.
Learn more about credit unions here.

Is Service 1st FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Service 1st?

Please see Field of Membership information above for information on who is eligible to join.

What are Service 1st's share account and share certificate rates?

Service 1st's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Service 1st?

Service 1st has total capital of $42.59 million. Full information on Service 1st's financial position is located above.

Who owns Service 1st?

Credit Unions are owned by their members.

Where are Service 1st branches located?

See branch locations nearby.

Are Service 1st ATMs Open 24/7?

Do Service 1st ATMs accept cash deposits?

Can Service 1st customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Service 1st have a mobile app?

Does Service 1st have mobile deposit?

Does Service 1st have quick pay?

How can Service 1st transfer money to other banks or credit unions?

Does Service 1st report to credit bureaus?

Does Service 1st use Chexsystems?

Does Service 1st use Equifax?

What is Service 1st's toll free phone number?

What is Service 1st's ACH Routing Number?

What is Service 1st's SWIFT code?

Where can I find Service 1st's wire transfer form?

What is the Service 1st address for deposits?

What Products Does Service 1st Offer

Does Service 1st offer mortgages?

Compare mortgage rates here.

Does Service 1st offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Service 1st offer auto and RV loans?

Compare auto loan rates here.

Does Service 1st offer student loans or personal loans?

Compare personal loan rates here.

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