Service 1st Federal Credit Union
Headquarters
1985 Montour Blvd, Po Box 159
Danville, PA 17821
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2024 Overview
General Credit Union Information
Service 1st is an NCUA insured institution located in Danville, PA. It was founded in 1975 and has approximately $646.16 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 / Federally Chartered |
| Charter Number # | # 22128 |
| Date Established | 1975 |
| Assets | $646.16 million |
| Loans | $554.49 million |
| Deposits | $563.63 million |
| Capital | $71.06 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 - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
|
Money Market
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.25% | $10,000 | $14,999 |
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|
|
Money Market
|
0.35% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.15% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.40% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.40% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.25% | $1 | $499 | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.944% | 6.750% | 1.00 | $6,400 | $2,076 | Learn More |
NMLS ID: 3030 |
7.476% | 7.375% | 1.00 | $3,200 | $2,211 | Learn More |
NMLS ID: 491986 |
Learn More | |||||
NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Service 1st
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
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.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
SERVICE 1ST 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 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 |
|---|---|
| 5.61% | 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 1st had $4,009,320 in non-current loans and $100,000 in owned assets. To cover these potential losses it had $71,059,594 in net worth and $2,228,928 in loans loss reserves. That gives it a Texas Ratio of 5.61%.
Net Worth
| Service 1st | U.S. Average |
|---|---|
| 10.98% | 13.62% |
Service 1st FCU has a net worth of 10.98% 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 1st
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