Service Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
3.25%	5-year CD	3.00% - Goldman Sachs Bank USA High-yield 5 Year CD
3.25%	5-year IRA	2.25% - National Average
3.00%	18-month CD	2.65% - Discover Bank 18 Month CD

View all Service Credit Union rates »

Overview / Commentary

servicecu.org

800-936-7730

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

Service Credit Union Adds Black Friday 27-Month CD - 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.

View all posts from:

2018
2017
2016
Earlier

11/23 - Service Credit Union Adds Black Friday 27-Month CD
8/17 - Service Credit Union Ups 15-Month CD Special
3/2 - Service Credit Union Boosts 5-Year Share Certificate
3/2 - It's Another 5-Year CD Earning 3.00% APY!

12/21 - Service Credit Union Adds 18-Month CD Special
9/5 - Service Credit Union Adds 30-Month CD Special
7/5 - Service CU Unveils 11-Month Certificate Special
5/2 - Service CU Rate Reduction On 5-Yr CD (2.60% APY no longer listed)
5/1 - 5-Yr, 2.60% APY CD May Still Be Available
3/31 - Service CU Celebrates 60 Years With 60-Month CD Special

12/6 - Service Credit Union Adds Two Short-Term Certificate Specials
12/6 - 20Month CD Special, 1.50% APY $1,000 Minimum
11/11 - 10% 3-Month CD Special BUT $1,000 Max At Service CU
2/16 - 11 Month CD 1.50% New Money
1/16 - Service Credit Union Has Three New, Very Competitive CDs

Reviews (18)

Featured Account Options

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.

Comment

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!

Comment

I've been with them for almost 10 years.

Posted by: MeaghanJTP | Jan 12, 2017

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.

Comment

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Health

A+

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68375
Year Chartered	1957
Employees	652
Primary Regulator

Profit Margin
Return on Assets - YTD	1.01%
Return on Equity - YTD	8.47%
Annual Interest Income	$115.0MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$3.50B$3.25B
Loans	Q4 2018vs Q4 2017	$2.99B$2.75B
Deposits	Q4 2018vs Q4 2017	$2.85B$2.63B
Equity Capital	Q4 2018vs Q4 2017	$414.7MM$381.2MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$9.9MM$9.8MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$7.0MM$6.4MM
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

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