Service Credit Union


3003 Lafayette Rd
Portsmouth, NH 03801
See all branch locations →

Phone 1-800-936-7730

Notable Rates APY Vs.Others
Savings 5.00% 1.02% →
1-Year CD 0.40% 1.45% →
2-Year CD 1.50% 2.86% →
5-Year CD 1.90% 3.21% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage 3.48% 2.36% →
HELOC N.A. 2.79% →

2022 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 - May 23, 2022

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
5.00% $2,500 $4,999 Learn More
Money Market
0.35% $2,500 - Learn More
Money Market
0.45% $25,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $500 - Learn More
12 Mo CD
0.40% $500 - Learn More
18 Mo CD
1.40% $500 - Learn More
24 Mo CD
1.50% $500 - Learn More
36 Mo CD
1.75% $500 - Learn More
48 Mo CD
1.80% $500 - Learn More
60 Mo CD
1.90% $500 - Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - May 23, 2022

Your Current Location: Connecticut, CT 06828

Home Equity Rates APR Rate Monthly Payment
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
Purchase Mortgage Rates APR Rate Monthly Payment

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.



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:

Service Locations

Climate Initiatives

SERVICE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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% 4.85

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, 2021, 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% 12.36%

Service FCU has a net worth of 11.1% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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