|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Service First Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 11, 2026
Service First Federal Credit Union's 6 month CDs rates are at 3.00%, 12 month CDs rates are at 2.00%, 18 month CDs rates are at 1.75%, 24 month CDs rates are at 1.50%, 36 month CDs rates are at 1.25%. Service First Federal Credit Union's savings rates are at 0.00%. Service First Federal Credit Union's money market rates are at 0.25%. Service First Federal Credit Union's Personal Loan Rates are at 5.89%. MonitorBankRates evaluates the financial stability of Service First Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.41%. Rates were last updated on 04/11/2026. Service First Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Service First Federal Credit Union? Share your experience about Service First Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Service First Federal Credit Union. Service First Federal Credit Union
Service First Federal Credit Union 3901 E 10th St
https://www.servicefirstfcu.org Sioux Falls, SD 57103 2133 
Service First Federal Credit Union CD Rates
Service First Federal Credit Union Savings Rates
Service First Federal Credit Union Money Market Rates
Service First Federal Credit Union Auto Loan Rates
Service First Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Service First Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Service First Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Service First Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Service First Federal Credit Union
Website
https://www.servicefirstfcu.org
Address
3901 E 10th St,
Sioux Falls, SD 57103 2133
Phone
605-336-1047
Fax
605-336-6529
President
Kyle Scholten
CEO
Travis Kasten
Full-Time Employees
56
Part-Time Employees
1
Branch Locations
3
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.41%
Return on Assets (ROA)
0.4215%
Return on Equity (ROE)
4.6422%
Non-Performing Loans Ratio (NPL)
0.42%
Total Assets
202,766,423
Total Amount of Shares and Deposits
184,960,788
Total Shares and Deposits < 1 Year
184,723,960
Total Shares and Deposits 1 3 Years
203,418
Total Shares and Deposits > 3 Years
33,410
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,682,833
Total Uninsured Shares and Deposits > $250K (F+J)
7,682,833
Total Insured Shares and Deposits > $250K (item 17 less item K)
177,277,955
Total Interest Expense (Sum of items 6 8)
594,118
Share Certificates
880
Number of Accounts for Share Drafts
10,430
IRA KEOGH Accounts
306
Number of Accounts for Regular Shares
14,087
All other shares
1,884
Money Market Shares
264
Net Income (unless the amount is already included in Undivided Earnings)
854,626
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
52,913,099
Total Liabilities
186,778,072
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Service First Federal Credit UnionIs Service First Federal Credit Union a safe place to deposit money?Yes, Service First Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.4112467633866%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Service First Federal Credit Union operate?Service First Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Service First Federal Credit Union?Yes, to access services at Service First Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Service First Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Service First Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Service First Federal Credit Union offer online and mobile banking?Most modern institutions like Service First Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.servicefirstfcu.org. Current Service First Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
VALLEY HILLS
Greater Iowa Credit Union
Adventure Credit Union
Signature Federal Credit Union
Santa Barbara Teachers Federal Credit Union
SOLIDARITY COMMUNITY
Wisconsin Medical Credit Union
ADVANCIAL
Ocean County Employees Federal Credit Union
Honolulu Fire Department Federal Credit Union
TEXAS TECH
SPECTRA
Port of Hampton Roads ILA Federal Credit Union
Premier Financial Credit Union
Redbrand Credit Union
RUTGERS
Brownfield Federal Credit Union
Camden Firemens Federal Credit Union
PORTLAND LOCAL NO 8
Knoxville Law Enforcement Federal Credit Union
Bourns Employees Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
