Service First

3901 East 10th Street
Sioux Falls, SD 57103


General Credit Union Information

NCUA Insured Yes
Charter Number # # 77
Date Established 1934
Assets $146.00 million
Loans $87.09 million
Deposits $137.07 million
Capital $9.07 million

Service First is an NCUA insured institution located in Sioux Falls, SD. It was founded in 1934 and has approximately $146 millions in assets.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Minnehaha, Lincoln or McCook County.

Savings Rates

Your Current Location: Virginia, VA 20146

6 Mo CD 10K 0.10% $500 - Learn MoreShow Less
12 Mo CD 10K 0.15% $500 - Learn MoreShow Less
18 Mo CD 10K 0.20% $1,000 - Learn MoreShow Less
24 Mo CD 10K 0.30% $5,000 - Learn MoreShow Less
36 Mo CD 10K 0.40% $5,000 - Learn MoreShow Less
48 Mo CD 10K 0.60% $5,000 - Learn MoreShow Less
60 Mo CD 10K 0.75% $5,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.05% $1 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K 0.05% $1 $4,999 Learn MoreShow Less
MM 2.5K 0.05% $1 $4,999 Learn MoreShow Less
MM 10K 0.07% $10,000 $24,999 Learn MoreShow Less
MM 25K 0.07% $25,000 $49,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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Below are Service First 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 First Locations

Financial Details

Service First Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Service First. 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 First U.S. Average
14.96% 7.80%

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. As of December 31, 2016, Service First had $626,963 in non-current loans and $830,000 in owned assets. To cover these potential losses it had $9,074,578 in net worth and $666,687 in loans loss reserves. That gives it a Texas Ratio of 14.96%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a credit union has to absorb its loan losses.

Net Worth
Service First U.S. Average
6.7% 13.06%

Service First FCU has a net worth of 6.7% versus the BestCashCow average of 13.06%. 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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