Overview / Commentary
3901 E 10th St
Sioux Falls, SD 57103-2133

Service First Federal Credit Union is headquartered in Sioux Falls and is the 4th largest credit union in the state of South Dakota. It is also the 1,228th largest credit union in the nation. It was established in 1934 and as of June of 2018, it had grown to 61 employees and 18,547 members at 4 locations. Service First Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership to Service First Federal Credit Union is open to those who work, worship, live or attend school in McCook, Minnehaha or Lincoln County.
See current membership details


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Health Grade Components

NCUA #77
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD-0.17%
Return on Equity - YTD-2.92%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$157.9MM$156.6MM
LoansQ2 2018vs Q2 2017$134.1MM$112.2MM
DepositsQ2 2018vs Q2 2017$148.3MM$147.2MM
Equity CapitalQ2 2018vs Q2 2017$9.4MM$8.7MM
Loan Loss AllowanceQ2 2018vs Q2 2017$569.00K$563.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.5MM$961.00K
Real Estate OwnedQ2 2018vs Q2 2017$742.00K$792.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Service First Federal Credit Union Savings Account Rates

0.25%*$20k*-IRA Savings Account
OTHER TIERS: 0.05% Up to $5k | 0.15% $5k - $20k
0.15%--Share Savings Account

Service First Federal Credit Union Money Market Rates

0.20%*$100k*-Premier Money Market
OTHER TIERS: 0.07% Up to $5k | 0.10% $5k - $25k | 0.15% $25k - $100k

Service First Federal Credit Union CD Rates

1.00%$5k-60 Month Share Certificate
0.60%$5k-48 Month Share Certificate
0.50%$5k-36 Month Share Certificate
0.40%$5k-24 Month Share Certificate
0.30%$1k-18 Month Share Certificate
0.20%$500-12 Month Share Certificate
0.15%$500-6 Month Share Certificate

Service First Federal Credit Union IRA Rates

1.00%$5k-60 Month IRA Share Certificate
0.60%$5k-48 Month IRA Share Certificate
0.50%$5k-36 Month IRA Share Certificate
0.40%$5k-24 Month IRA Share Certificate
0.30%$1k-18 Month IRA Share Certificate
0.20%$500-12 Month IRA Share Certificate
0.15%$500-6 Month IRA Share Certificate

Service First Federal Credit Union Locations
Branch Office3901 E 10th StSioux Falls, SD 57103-2133
Branch Office1300 N Morrell AveSioux Falls, SD 57103-0158
Branch Office3600 S Kiwanis AveSioux Falls, SD 57105
Branch Office501 N Nebraska StSalem, SD 57058

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