Service 1st Credit Union Rates and Review February 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.
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Service 1st Credit Union's savings rates are at 0.05%. You can compare Service 1st Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.03%, 6-month share certificate rates at 3.94% and 3-month share certificate rates at 3.75%. Savings rates are at 0.25% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 5.95%. All these rates, and more, can be found in our database of rates which you can compare to Service 1st Credit Union rates.
Service 1st 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 1st Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Service 1st Credit Union Texas RatioService 1st Credit Union's Texas Ratio is at 0.58%, which is considered excellent. The Texas Ratio for Service 1st Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Service 1st Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Service 1st Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Service 1st Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
Service 1st Credit Union Savings Rates
Service 1st Credit Union Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Service 1st 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 1st 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 1st Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Service 1st Credit Union
Website: https://s1cu.org
Full Time Employees: 13Part Time Employees: 0 President: Fred Hite Jr CEO: Ryon Gilliam Branch Locations: 1 ATM Locations: 1 Corporate Office Address:
10001 Jack Finney Blvd
Greenville, TX 75402 Phone Number: 903-457-4686 Fax Number: 903-457-7138 FinancialsTotal Assets:
71,419,452
Total Amount of Shares and Deposits:
60,109,658
Total Shares and Deposits < 1 Year:
60,011,080
Total Shares and Deposits 1 3 Years:
74,999
Total Shares and Deposits > 3 Years:
23,579
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
2,028,751
Total Uninsured Shares and Deposits > $250K (F+J):
2,028,751
Total Insured Shares and Deposits > $250K (item 17 less item K):
58,080,907
Total Interest Expense (Sum of items 6 8):
17,684
Share Certificates:
28
Number of Accounts for Share Drafts:
1,905
IRA KEOGH Accounts:
36
Number of Accounts for Regular Shares:
5,056
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
3,600,808
Total Liabilities:
60,394,923
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsThere are no reviews for Service 1st Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About Service 1st Credit UnionIs a member application needed to join Service 1st Credit Union?Yes, to access services at Service 1st Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Service 1st Credit Union provides a range of mortgage and home equity products. Is Service 1st Credit Union a safe place to deposit money?Yes, Service 1st Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Service 1st Credit Union offer online and mobile banking?Most modern institutions like Service 1st Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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