What are the current interest rates at Service 1st Federal Credit Union?

Current rates for Service 1st Federal Credit Union include: 12-Month CD: 3.29%, 18-Month CD: 0.90%, 24-Month CD: 1.00%, 60-Month CD: 2.55%, Savings: 0.25%, MMA: 0.85%

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Service 1st Federal Credit Union

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Service 1st Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Service 1st Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 4, 2026

Service 1st Federal Credit Union's 12 Month CD rates are at 4.00%, 6 Month CD rates are at 3.75%, 12 Month CD rates are at 3.29%, 36 Month CD rates are at 3.00%, 48 Month CD rates are at 2.65%. Service 1st Federal Credit Union's savings rates are at 0.25%. Service 1st Federal Credit Union's money market rates are at 0.85%. Service 1st Federal Credit Union's Personal Loan Rates are at 4.59%. MonitorBankRates has no NCUA call report data for Service 1st Federal Credit Union, so it is not rated. Rates last updated and verified on 09/04/2026.

Service 1st 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 1st Federal Credit Union? Share your experience about Service 1st Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Service 1st Federal Credit Union.

Overall Health & Safety Grade

N/A

Not Rated No current filing

MonitorBankRates Rating

N/A

Not Rated No current filing

Texas Ratio

N/A

Not Rated No data

Service 1st Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	3.94%	4.00%	12 month
Min Balance $500 Details APY* = Annual Percentage Yield. The APY is current as of 9/1/2026. Fees could reduce earnings to the account. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice. Penalty for early withdrawal. Call us at 800.562.6049 for current information. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
6 Month Certificate	3.70%	3.75%	6 month
Min Balance $500 Details APY* = Annual Percentage Yield. The APY is current as of 9/1/2026. Fees could reduce earnings to the account. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice. Penalty for early withdrawal. Call us at 800.562.6049 for current information. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
12 Month Certificate	3.25%	3.29%	12 month
Min Balance $5,000 Details Penalty for early withdrawal. If the account balance falls below $5,000, the dividend rate will change to the current Regular Savings account dividend rate. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
36 Month Certificate	2.97%	3.00%	36 month
Min Balance $500 Details APY* = Annual Percentage Yield. The APY is current as of 9/1/2026. Fees could reduce earnings to the account. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice. Penalty for early withdrawal. Call us at 800.562.6049 for current information. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
48 Month Certificate	2.62%	2.65%	48 month
Min Balance $500 Details APY* = Annual Percentage Yield. The APY is current as of 9/1/2026. Fees could reduce earnings to the account. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice. Penalty for early withdrawal. Call us at 800.562.6049 for current information. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
60 Month Certificate	2.53%	2.55%	60 month
Min Balance $500 Details APY* = Annual Percentage Yield. The APY is current as of 9/1/2026. Fees could reduce earnings to the account. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice. Penalty for early withdrawal. Call us at 800.562.6049 for current information. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
24 Month Certificate	1.00%	1.00%	24 month
Min Balance $500 Details APY* = Annual Percentage Yield. The APY is current as of 9/1/2026. Fees could reduce earnings to the account. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice. Penalty for early withdrawal. Call us at 800.562.6049 for current information. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
18 Month Certificate	0.90%	0.90%	18 month
Min Balance $500 Details APY* = Annual Percentage Yield. The APY is current as of 9/1/2026. Fees could reduce earnings to the account. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice. Penalty for early withdrawal. Call us at 800.562.6049 for current information. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
3 Month Certificate	0.50%	0.50%	3 month
Min Balance $500 Details APY* = Annual Percentage Yield. The APY is current as of 9/1/2026. Fees could reduce earnings to the account. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice. Penalty for early withdrawal. Call us at 800.562.6049 for current information. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Service 1st Federal Credit Union Savings Rates

Product	Rate	APY
IRA savings	-	0.45%
Min Balance $0 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
savings	-	0.25%
Min Balance $5 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Christmas club	-	0.20%
Min Balance $0 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
vacation club	-	0.20%
Min Balance $0 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Service 1st Federal Credit Union Money Market Rates

Product	Rate	APY
Platinum Money Market Accounts	-	1.40%
Min Balance $100,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Premium Money Market Accounts	0.85%	0.85%
Min Balance $25,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Service 1st Federal Credit Union Checking Rates

Product	Rate	APY
Non Profit Checking Account	-	0.30%
Min Balance $100,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Non Profit Checking Account	-	0.25%
Min Balance $25,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Non Profit Checking Account	-	0.20%
Min Balance $10,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Non Profit Checking Account	-	0.15%
Min Balance $2,500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Service 1st Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed Rate Line of Credit	-	-	4.49%	37 to 60 months
Details rates as low as Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Home Equity Fixed Rate Line of Credit	-	-	4.89%	61 to 84 months
Details rates as low as Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Home Equity Fixed Rate Line of Credit	-	-	5.09%	85 to 120 months
Details rates as low as Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Home Equity Fixed Rate Line of Credit	-	-	5.39%	121 to 144 months
Details rates as low as Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Home Equity Fixed Rate Line of Credit	-	-	5.69%	145 to 180 months
Details rates as low as Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
HELOC everyday equity line of credit	-	-	6.75%
Details The Everyday Equity rate is variable, subject to change monthly. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Service 1st Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
auto refinance	-	-	4.59%
Details As Low As; The APR is current as of 9/1/2026. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at 800.562.6049 for current rates, terms and conditions. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
new autos	-	-	4.59%
Details As Low As; The APR is current as of 9/1/2026. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at 800.562.6049 for current rates, terms and conditions. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
used autos	-	-	4.59%
Details As Low As; The APR is current as of 9/1/2026. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at 800.562.6049 for current rates, terms and conditions. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Service 1st Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA platinum credit card	-	12.49%
Details As Low As; Variable rate, subject to change monthly. The APR is current as of 9/1/2026. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at 800.562.6049 for current rates, terms and conditions. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Service 1st Federal Credit Union’s Texas Ratio rose from 2.54% in Q2 2023 to 3.52% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$831M	3.52%	5.0	A+
December 31, 2025	$783M	5.77%	5.0	A+
September 30, 2025	$766M	4.20%	5.0	A+
June 30, 2025	$746M	4.19%	5.0	A+
March 31, 2025	$736M	3.97%	5.0	A+
December 31, 2024	$709M	3.96%	5.0	A+
September 30, 2024	$689M	2.94%	5.0	A+
June 30, 2024	$676M	2.16%	5.0	A+
March 31, 2024	$666M	2.68%	5.0	A+
December 31, 2023	$646M	3.87%	5.0	A+
September 30, 2023	$650M	2.21%	5.0	A+
June 30, 2023	$645M	2.54%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Service 1st 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 1st 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 1st Federal Credit Union's official website for the most current offers and terms.

2026 MBR Health & Safety Badge

Service 1st Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Service 1st Federal Credit Union

How many branches does Service 1st Federal Credit Union operate?

Service 1st 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 1st Federal Credit Union?

Yes, to access services at Service 1st 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 1st 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 1st Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Service 1st Federal Credit Union offer online and mobile banking?

Most modern institutions like Service 1st 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.service1.org.