Overview / Commentary
3003 Lafayette Rd
Portsmouth, NH 03801

In 1957, Service Credit Union (SCU) was founded (as Portsmouth Air Force Base Credit Union) to serve the employees (both military and civilian) of Pease Air Force Base in Portsmouth, New Hampshire.

Today, SCU provides financial services to well over 200,000 members at more than 50 locations throughout New Hampshire, North Dakota, Massachusetts, and Germany.

In addition to loans and insurance, SCU offers a range of personal depository banking products, including checking, savings, money market, and Certificate of Deposit (CD) accounts, as well as IRA CDs. The money market accounts include varying rate tiers, depending upon the account balance. CD terms range from 3 months to 5 years. Additionally, SCU offers business checking, business savings, business money market, and business CD accounts.

Field of Membership Restrictions

Membership in Service Credit Union is open to the following: (1) employees of the Department of Defense and their families; (2) those current members, veterans, retirees and reservists in all branches of the U.S. Armed Forces and their families; (3) those who live or work in Belknap, Cheshire, Carroll, Grafton, Coos, Merrimack, Hillsborough, Rockingham, Strafford, and Sullivan Counties in New Hampshire; (4) those who live or work in Bourne, Falmouth, Sandwich, and Mashpee Townships in Massachusetts; (5) employees of America's Credit Union Museum, Armed Forces Financial Network, Credit Union Executive Society, Credit Union National Association, National Association of Federal Credit Unions, National Association of State Chartered Credit Unions, and Defense Credit Union Council; (6) family members of someone who is serving or has served in any branch of the military or Department of Defense; (7) those who live or work in the state of New Hampshire.
See current membership details

Related Posts

Service Credit Union Adds Black Friday 27-Month CD (3.25% APY) - 11/23/2018

Now through November 26, 2018, Service Credit Union is offering to nationally available Special Rate CDs: 27-month (3.25% APY) and 18-month (3.05% APY). $1k min deposit.

Service Credit Union Ups 15-Month CD Special - 8/17/2018

Service Credit Union (military relationship requirement) has raised the rates on its CD Specials: 9-month (2.50% APY) and 15-month (2.75% APY). Minimum deposit is $1k.

Service Credit Union Boosts 5-Year Share Certificate - 3/2/2018

Service Credit Union has upped the rate on its 5-year Share Certificate (3.00% APY, $1k min deposit). Easy membership for military personnel and their family members.

View all posts from:

11/23/15 - Black Friday 3 Month CD Special 10% APY
11/11/14 - Great Deals for Military Members at Service Credit Union
11/4/14 - Service Credit Union's Black Friday Top Rate 15-month CD - Limited Time
11/2/14 - Service CU Black Friday Promo 2% 15Mo No Max
6/1/13 - Serivce Credit Union Offering 3 Month Member Internet Special Cd
11/5/12 - 10% 3-Month CD - $1K Max - Black Friday Special At Service Credit Union
5/18/12 - Checking and CD Deals at Service Credit Union - Limited Membership
11/22/11 - Service Credit Union's Black Friday Specials
11/26/10 - Cyber Monday $100 Checking Account Bonus At Service Credit Union
11/14/10 - 10% 3-Month CD ($1K Max) Black Friday Special At Service Credit Union In NH & MA
8/3/10 - CD Specials and Top CD Rates at Service Credit Union - Limited Membership
7/6/10 - CD Specials and World Wide ATM Rebates at Service Credit Union - Limited Membership
4/2/10 - Competitive CD Specials at Service Credit Union - Limited Membership
3/12/10 - 2.02% 11-Month CD Special at Service Credit Union - Limited Membership
2/22/10 - I See Service CU Is Offering A 9
2/14/10 - 2.15% 13-Month CD One-Day Special at Service Credit Union - Limited Membership
1/25/10 - 2.25% 19-Month CD & 2% 9-Month CD Continue at Service Credit Union - Limited Membership
1/4/10 - 2.25% 19-Month CD & 2% 9-Month CD Continues at Service Credit Union - Limited Membership
11/16/09 - 2.25% 19-Month CD & 2% 9-Month CD at Service Credit Union - Limited Membership
10/19/09 - 2.00% 9-Month CD at Service Credit Union - Limited Membership

Excellent Rates To Be Had, Awful Service

Posted by: garylinn | May 17, 2018

I with this CU because they have ALWAYS matched any CD rate in the country. I show them the rate, prove it to them and they make me jump through some expected hoops but finally, in the end, match the rate. Their customer service is sub-par and I do NOT understand it. Never helpful, never smiles, just a bunch of unhappy employees at Service Credit Union, but, they give me a good CD rate and I won't leave as long as they continue that.

Careful With ACH

Posted by: Anon456 | Feb 24, 2017

Turns out there is a $7.50 fee to use ACH. Not immediately noticeable. They do have a notice, but only displays after you complete most of the screen and is easily missed. Does not have anything to do with the requested delivery schedule. They did grant me a one-time reversal of the fee. THANK YOU. But I am writing this notice to remind folks that this ACH feature is ALWAYS a chargeable event. I have asked that they post the warning as soon as the external transfer page is loaded. There is ALWAYS a fee, so it should be noted immediately on that page.

Customer Service Was Awful!

Posted by: Mabi10 | Apr 7, 2017

After many years of being at Service credit union, I'm finally leaving to a different bank! After speaking to a customer service representative on the phone, I made my decision! This lady was the rudest customer service person I've dealt with in a long time, I never write reviews, and complain, and this lady made me want to write a review, and complain anywhere I can! Very rude, to me even after being a costumer for years, just hung up and was plain rude!

I've been with them for almost 10 years.

I have been with SCU for over 10 years, and in all of this time I have consistently been a member for their online banking program as well. I find that the website is easy to navigate, and their mobile platform is also easily accessible. I love that they give a breakdown graph of everything I spend my money on, so I can further budget for the months to come. I also like that I can shop for products to redeem from my rewards points right on their website. The interface of the mobile site is very user-friendly, and not cluttered by unwanted and/or irrelevant information. The only thing that I would change, is I am not a fan of how those pop-up ads come up right when you go to check your account. Even if you click not to receive them again before you go to your overview, they still end up appearing, or another one will. That is the only thing that I do not like.



Health Grade Components

NCUA #68375
Year Chartered1957
Primary Regulator
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD8.51%
Annual Interest Income$84.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$3.44B$3.23B
LoansQ3 2018vs Q3 2017$2.99B$2.67B
DepositsQ3 2018vs Q3 2017$2.79B$2.61B
Equity CapitalQ3 2018vs Q3 2017$404.7MM$374.2MM
Loan Loss AllowanceQ3 2018vs Q3 2017$9.8MM$9.7MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$6.4MM$5.7MM
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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Always verify rates and promotions with the bank or credit union. We are not Service Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Service Credit Union Savings Account Rates

3.00%*-$3kChristmas / Holiday Club
OTHER TIERS: 0.25% $3k+
1.00%*$2.5k*-STAR Shares
OTHER TIERS: 0.95% Up to $2.5k
1.00%*$2.5k*-Senior Shares
OTHER TIERS: 0.95% Up to $2.5k
0.85%*$2.5k*-Select Employer Group (SEG) Savings
OTHER TIERS: 0.80% Up to $2.5k
0.85%*$2.5k*-Veteran Shares
OTHER TIERS: 0.80% Up to $2.5k
0.60%$50-IRA Account
0.25%*$5k*-Share Savings
OTHER TIERS: 0.20% $50 - $5k
0.25%*$5k*-Standard Club Account
OTHER TIERS: 0.20% $50 - $5k
0.25%*$5k*-Smart Savers
OTHER TIERS: 0.20% $50 - $5k
0.25%*$5k*-Business Shares
OTHER TIERS: 0.20% $50 - $5k

Service Credit Union Money Market Rates

1.25%*$100k*-Money Market
OTHER TIERS: 0.75% $2.5k - $25k | 1.00% $25k - $100k
1.25%*$100k*-Business Money Market
OTHER TIERS: 0.75% $2.5k - $25k | 1.00% $25k - $100k

Service Credit Union Checking Account Rates

0.40%*$25k*-Business Plus+ Checking
OTHER TIERS: 0.35% $10k - $25k
0.10%*$5k*-Five Star Service Checking
OTHER TIERS: 0.05% $1.5k - $5k

Service Credit Union CD Rates

3.25%$1k-5 Year Share Certificate
3.25%$1k-Business 5 Year Share Certificate
3.00%$1k-4 Year Share Certificate
3.00%$1k-Business 4 Year Share Certificate
2.75%$1k-3 Year Share Certificate
2.75%$1k-Business 3 Year Share Certificate
2.75%$1k-15 Month Share Certificate Special
2.75%$1k-Business 15 Month Share Certificate Special
2.50%$1k-2 Year Share Certificate
2.50%$1k-Business 2 Year Share Certificate
2.50%$1k-9 Month Share Certificate Special
2.50%$1k-Business 9 Month Share Certificate Special
2.25%$1k-1 Year Share Certificate
2.25%$1k-Business 1 Year Share Certificate
2.00%$250-6 Month Warrior Rewards Certificate
1.75%$250-6 Month STAR Certificate
1.75%$250-6 Month Senior Certificate
1.75%$250-6 Month SEG Certificate
1.75%$250-6 Month Veterans Certificate
1.50%$1k-6 Month Share Certificate
1.50%$1k-Business 6 Month Share Certificate
0.75%$1k-3 Month Share Certificate
0.75%$1k-Business 3 Month Share Certificate

Service Credit Union IRA Rates

3.25%$1k-5 Year IRA Certificate
3.00%$1k-4 Year IRA Certificate
2.75%$1k-3 Year IRA Certificate
2.75%$1k-15 Month IRA Certificate Special
2.50%$1k-2 Year IRA Certificate
2.50%$1k-9 Month IRA Certificate Special
2.25%$1k-1 Year IRA Certificate
1.75%$250-6 Month SEG IRA Certificate
1.50%$1k-6 Month IRA Certificate
0.75%$1k-3 Month IRA Certificate


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