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Welcome to Service 1 Federal Credit Union!

Enriching lives by providing a quality member experience for current and future generations. Protecting the interests of our members and creating positive change within lives and communities.

Service 1 Federal Credit Union is a not-for-profit financial cooperative, owned and directed by its members. Members pool their financial resources in order to help each other. Each member has a say in Service 1 FCU decisions. All profits earned are returned to members in the form of fewer fees and better rates. From savings and checking to loans and financial counseling, you'll find everything you need for financial wellness at Service 1 FCU—all with federal insurance by the NCUA for complete peace of mind. 

Members enjoy a full line of personal financial services, including:

  • dividend-bearing savings
  • FREE Kasasa Rewards® checking with debit/ATM card
  • low-rate auto and recreational or "toy" loans
  • vacation and personal loans
  • home mortgage loans, home equity loans and HELOCs
  • ScoreCard Rewards® credit cards
  • online banking with FREE online bill pay
  • text and mobile banking
  • enhanced mobile app
  • certificates of deposit
  • Christmas and Vacation Club accounts
  • youth programs with bonus savings rates and special events
  • and much more!

All this with better rates and amazing service!

Our Mission 

The Service 1 FCU mission is “Member Driven. Community Focused.” This stated purpose is a beacon that brings together employees and diverse goals, guiding them towards the achievement of those goals.

Member Driven: Service 1 FCU can provide guidance and tools to help members get back on track, repair credit, and move toward their dreams instead of living paycheck-to-paycheck and "just getting by." Our purpose is to assist members in achieving financial success like home ownership, upgrading a vehicle, increasing credit card purchasing power, and even building a college or retirement nestegg.

Meet this member family to learn how Service 1 FCU was able to help them move forward in their financial journey:

Get to know this young member and learn about how Service 1 FCU was able to help him secure his first auto loan with confidence: 

Videos produced in conjunction with the Michigan Credit Union League. Individuals featured are actual Service 1 FCU members and are not paid actors. 

Community Engagement

Community Focused: Service 1 FCU is involved in a variety of activities that benefit the communities around us. We support and are engaged in assisting the American Cancer Society/Relay for Life, the Muskegon Rescue Mission and Love I.N.C., The Kindness Rally, the Shell Knob Alliance of Churches Food Pantry (MO), the Central Crossing Senior Center in Shell Knob, Restoration Life Center, East Newton United in Neosho (MO), KickStart to Career, Kid’s Food Basket, Penelope House (AL), the Child Abuse Council of Muskegon County, the Neosho Freeman Family YMCA, and various other charitable organizations in our communities.

Check out our blog for details and photos of ways we've partnered with our communities, and connect with us on Facebook and Twitter for what's happening now!


Service 1 Federal Credit Union is a member-owned financial institution whose purpose is to promote the financial well-being of its members by providing comprehensive and progressive financial services with a personal touch.


Membership is open to select employee groups (SEGs) in our field of membership (FOM) in all states and branches except our Shell Knob, MO branch, whose FOM is anyone who lives, works, worships or attends school in Barry County or Stone County, MO. You may qualify for benefits through a relationship membership through our nearly 22,000 members and over 500 companies—contact us today to explore your options! Once you join, membership at Service 1 Federal Credit Union lasts a lifetime.


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