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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 1st 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 18, 2026
Service 1st Federal Credit Union's savings rates are at 0.25%. Service 1st Federal Credit Union's money market rates are at 0.35%. Service 1st Federal Credit Union's Personal Loan Rates are at 10.75%. MonitorBankRates evaluates the financial stability of Service 1st Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.43%. Rates were last updated on 04/18/2026. 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. Service 1st Federal Credit Union
Corporate Center 1985 Montour Blvd
https://www.service1.org Danville, PA 17821 
Service 1st Federal Credit Union Savings Rates
Service 1st Federal Credit Union Money Market Rates
Service 1st Federal Credit Union Checking Rates
Service 1st Federal Credit Union Credit Card Rates
Service 1st Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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.
Credit Union Profile & Overview
Credit Union Name
Service 1st Federal Credit Union
Website
https://www.service1.org
Address
1985 Montour Blvd,
Danville, PA 17821
Phone
570-271-6060
Fax
570-271-8793
President
Tracy Shirk
CEO
Michael Thomas
Full-Time Employees
136
Part-Time Employees
16
Branch Locations
12
ATM Locations
11
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.43%
Return on Assets (ROA)
1.0093%
Return on Equity (ROE)
8.8912%
Non-Performing Loans Ratio (NPL)
0.58%
Total Assets
766,413,710
Total Amount of Shares and Deposits
675,246,229
Total Shares and Deposits < 1 Year
663,408,547
Total Shares and Deposits 1 3 Years
7,908,912
Total Shares and Deposits > 3 Years
3,928,770
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
83,876,252
Total Uninsured Shares and Deposits > $250K (F+J)
83,876,252
Total Insured Shares and Deposits > $250K (item 17 less item K)
591,369,977
Total Interest Expense (Sum of items 6 8)
8,497,708
Share Certificates
8,357
Number of Accounts for Share Drafts
31,279
IRA KEOGH Accounts
1,562
Number of Accounts for Regular Shares
64,283
All other shares
147
Non Member Deposits
1
Money Market Shares
1,141
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
45,915,990
Total Liabilities
680,054,137
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Service 1st Federal Credit UnionIs Service 1st Federal Credit Union a safe place to deposit money?Yes, Service 1st Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.429631288072%, 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 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. Current Service 1st Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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