Portsmouth, NH 03801

Phone 1-800-936-7730

Notable Rates APY Vs.Others
Savings 0.50% 2.20% →
1-Year CD 2.00% 2.20% →
2-Year CD 2.15% 2.20% →
5-Year CD 2.30% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage 3.48% 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Service is an NCUA insured institution located in Portsmouth, NH. It was founded in 1957 and has approximately $3699.55 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
Charter Number # # 68375
Date Established 1957
Assets $3,699.55 million
Loans $3,036.41 million
Deposits $3,021.02 million
Capital $448.63 million

Field of Membership Restrictions

Membership in Service Credit Union is open to anyone who lives or works in New Hampshire, four towns in Cape Cod, MA., and all branches of the U.S. Military and Department of Defense employees and their families

Deposit Rates - February 27, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.75% $2,500 $24,999 Learn MoreShow Less
Money Market
1.00% $25,000 $99,999 Learn MoreShow Less
Fixed IRA
2.00% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.75% $1,000 - Learn MoreShow Less
6 Mo CD
1.75% $1,000 - Learn MoreShow Less
12 Mo CD
2.00% $1,000 - Learn MoreShow Less
18 Mo CD
2.10% $1,000 - Learn MoreShow Less
24 Mo CD
2.15% $1,000 - Learn MoreShow Less
36 Mo CD
2.20% $1,000 - Learn MoreShow Less
48 Mo CD
2.30% $1,000 - Learn MoreShow Less
60 Mo CD
2.30% $600 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.50% $50 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1,500 - Learn MoreShow Less

Loan Rates - February 27, 2020

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

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
2.82% 5.86

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 June 30, 2019, Service had $12,153,039 in non-current loans and $756,325 in owned assets. To cover these potential losses it had $448,626,262 in net worth and $9,612,931 in loans loss reserves. That gives it a Texas Ratio of 2.82%.

Net Worth
Service U.S. Average
12.12% 13.65%

Service FCU has a net worth of 12.12% versus the BestCashCow average of 13.65. 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

Branches and Savings

What is Service?

A federal credit union, registered with the NCUA under certificate #68375.
Learn more about credit unions here.

Is Service 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?

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

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

Service'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?

Service has total capital of $448.63 million. Full information on Service's financial position is located above.

Who owns Service?

Credit Unions are owned by their members.

Where are Service branches located?

See branch locations nearby.

Are Service ATMs Open 24/7?

Do Service ATMs accept cash deposits?

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

Does Service have a mobile app?

Does Service have mobile deposit?

Does Service have quick pay?

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

Does Service report to credit bureaus?

Does Service use Chexsystems?

Does Service use Equifax?

What is Service's toll free phone number?

What is Service's ACH Routing Number?

What is Service's SWIFT code?

Where can I find Service's wire transfer form?

What is the Service address for deposits?

What Products Does Service Offer

Does Service offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Service offer auto and RV loans?

Compare auto loan rates here.

Does Service offer student loans or personal loans?

Compare personal loan rates here.

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