Keep cash stacking while you sleep
Plant funds where they can grow with higher fixed rates that make the future of your finances even brighter.
Benefits You’ll Love
- Earn higher dividends than regular savings accounts
- Explore a wide range of terms to meet your needs
- Guarantee your investment with competitive, fixed rates
- Enjoy investing free from the setup and maintenance fees
- Fixed rates, higher than regular savings
- Better guaranteed return over other risky investments
- Set aside for future savings goals
- A wide range of terms available (from 6 months to 5 years)*
- No setup or maintenance fees
- Early withdrawals subject to penalty†
- $500 minimum deposit to open
Federally Insured by NCUA
Help your kids embark on the savings journey early—at a higher rate than a traditional savings account alone! Pack in the benefits for your Ranger Club kid (0 to 12) and Navigator Club teen (13 to 17) member, including:
- Start saving with a minimum deposit of just $50 or more
- Open certificates on behalf of your youth club member quickly and easily in It'sMe247 Online Banking§ (go mobile in the app or tablet, or use a desktop computer)
- Choose from convenient 6-month, 12-month or 24-month terms
- Get a special, youth-only BONUS RATE to save more, faster!
- Enjoy the flexibility of adding funds at any time during the term, including through scheduled electronic transfers that allow you to "set it and forget it" to effortlessly build savings for your Ranger Club kid or Navigator Club teen!
Set a savings course and open your youth certificate(s) today, or contact us for more information!
Federally Insured by NCUA
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*IRA Certificates not available in 6-month term.
**APY = Annual Percentage Yield.
†Early withdrawals may result in the following penalties:
- 12 months or less – 90 days of dividends
- 18, 24 & 30 mo. – 180 days of dividends
- 36, 48 & 60 mo. – 365 days of dividends
§6-, 12-, and 24-month youth certificates available to members age 18 and under. When qualifications aren't met, Service 1 FCU will contact you to verify eligibility. Service 1 FCU is federally insured by NCUA.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Kasasa Cash*
| Balance | Minimum Opening Deposit | Dividend Rate | APY** |
|---|---|---|---|
| 0 - $10,000 | $0 | 3.20% | 3.25% |
| $10,000+ | $0 | 0.05% | 3.25% to 0.34% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
*Qualifications
Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply use your Kasasa Cash account with the following activities and transactions each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Be enrolled in and receive e-statement notices
- Be enrolled and log in to online banking
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.
Kasasa Saver*
| Balance | Minimum Opening Deposit | Dividend Rate | APY** |
|---|---|---|---|
| 0 - $25,000 | $0 | 0.50% | 0.50% |
| $25,000+ | $0 | 0.05% | 0.50% to 0.14% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
*Qualifications
Qualifying for Kasasa Cash or Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Simply use your Kasasa Cash or Cash Back account with the following activities and transactions each monthly qualification cycle:
- Have at least 12 debit card purchases that post and settle
- Be enrolled in and receive e-statement notices
- Be enrolled and log in to online banking
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.
Loans
| Loan Type | Rates Starting at:* |
| Auto | 4.99% APR |
| Motorcycle | 4.99% APR |
| Boat/Camper/RV | 4.99% APR |
| Recreational Vehicles | 5.99% APR |
| Personal Loan | 7.99% APR |
| Personal Line of Credit | 18.00% APR |
| Credit Cards | 9.9% APR |
| Home Mortgage | Call for current rates |
| Home Equity Loan (fixed) | 6.49% APR1 |
| Home Equity Line of Credit (variable) | 8.50% APR2 |
* APR=Annual Percentage Rate. Rates and terms subject to change at any time without notice. Rate based on credit score and history. Please contact Service 1 FCU for more information.
1HOME EQUITY: APR = Annual Percentage Rate. Rates based on credit worthiness, term, and combined loan-to-value (CLTV) ratio. CLTV must be 80% or less. Credit is subject to approval, not all applicants will qualify. A home equity loan is secured by a first or second mortgage lien on your home, not all properties may qualify for financing. The minimum loan amount is $10,000, and the maximum loan amount is $150,000. Fees and closing costs may apply. Flood and/or property hazard insurance may be required. Other restrictions may apply. Membership eligibility required. Contact Service 1 FCU for complete details. All Service 1 FCU loan programs, rates, terms and conditions are subject to change at any time without notice. Service 1 FCU NMLS #441347.
2HOME EQUITY LINE OF CREDIT (HELOC): APR = Annual Percentage Rate. The prime rate is the highest prime rate published in the Money Rates Table of The Wall Street Journal on the last business day of each quarter. Prime is a variable rate; as it changes, the APR on your account will also change. The APR will be based on the prime rate plus a margin of up to 3.5%. Rates based on credit worthiness, term, and combined loan-to-value (CLTV) ratio. CLTV must be 80% or less. The APR is variable for the life of the loan and can range from as low as 4.00% APR to a maximum of 18%. Credit is subject to approval, not all applicants will qualify. A home equity line of credit is secured by a first or second mortgage lien on your home, not all properties may qualify for financing. The minimum line of credit amount is $10,000, and the maximum amount is $150,000. Fees and closing costs may apply. Flood and/or property hazard insurance may be required. Other restrictions may apply. Membership eligibility required. Contact Service 1 FCU for complete details. All Service 1 FCU loan programs, rates, terms and conditions are subject to change at any time without notice. Equal Housing Lender. Service 1 FCU NMLS #441347.
Loans - 1
| Loan Type | Rates Starting at:* |
|---|---|
| Auto | 4.99% APR |
| Motorcycle | 4.99% APR |
| Boat/Camper/RV | 4.99% APR |
| Recreational Vehicles | 5.99% APR |
| Personal Loan | 7.99% APR |
| Personal Line of Credit | 18.00% APR |
| Credit Cards | 9.9% APR |
| Home Mortgage | Call for current rates |
| Home Equity Loan (fixed) | 4.99% APR1 |
| Home Equity Line of Credit (variable) | 4.75% APR2 |
* APR=Annual Percentage Rate. Rates and terms subject to change at any time without notice. Rate based on credit score and history. Please contact Service 1 FCU for more information.
1HOME EQUITY: APR = Annual Percentage Rate. Rates based on credit worthiness, term, and combined loan-to-value (CLTV) ratio. CLTV must be 80% or less. Credit is subject to approval, not all applicants will qualify. A home equity loan is secured by a first or second mortgage lien on your home, not all properties may qualify for financing. The minimum loan amount is $10,000, and the maximum loan amount is $100,000. Fees and closing costs may apply. Flood and/or property hazard insurance may be required. Other restrictions may apply. Membership eligibility required. Contact Service 1 FCU for complete details. All Service 1 FCU loan programs, rates, terms and conditions are subject to change at any time without notice. Service 1 FCU NMLS #441347.
2HOME EQUITY LINE OF CREDIT (HELOC): APR = Annual Percentage Rate. The prime rate is the highest prime rate published in the Money Rates Table of The Wall Street Journal on the last business day of each quarter. Prime is a variable rate; as it changes, the APR on your account will also change. The APR will be based on the prime rate plus a margin of up to 3.5%. Rates based on credit worthiness, term, and combined loan-to-value (CLTV) ratio. CLTV must be 80% or less. The APR is variable for the life of the loan and can range from as low as 4.00% APR to a maximum of 18%. Credit is subject to approval, not all applicants will qualify. A home equity line of credit is secured by a first or second mortgage lien on your home, not all properties may qualify for financing. The minimum line of credit amount is $10,000, and the maximum amount is $100,000. Fees and closing costs may apply. Flood and/or property hazard insurance may be required. Other restrictions may apply. Membership eligibility required. Contact Service 1 FCU for complete details. All Service 1 FCU loan programs, rates, terms and conditions are subject to change at any time without notice. Equal Housing Lender. Service 1 FCU NMLS #441347.
Money Management Account
| Balance | APY** |
| $100,000+ | 2.00% |
| $50,000.00 - $99,999.99 | 1.75% |
| $20,000.00 - $49,999.99 | 1.25% |
| $2,000.00 - $19,999.99 | 1.00% |
Money Management Account 1
| Balance | APY |
|---|---|
| $100,000+ | 2.00% |
| $50,000.00 - $99,999.99 | 1.75% |
| $20,000.00 - $49,999.99 | 1.25% |
| $2,000.00 - $19,999.99 | 1.00% |
Share Certificates
| Term | Minimum Balance | APY** |
|---|---|---|
| 6 months - FEATURED RATE | $500 | 3.75% |
| 12 months | $500 | 3.50% |
| 18 months | $500 | 3.50% |
| 24 months | $500 | 3.50% |
| 30 months | $500 | 3.50% |
| 36 months | $500 | 3.50% |
| 48 months | $500 | 3.50% |
| 60 months | $500 | 3.50% |
Penalties may apply for early withdrawals. IRA Certificates not available in 6-month term.
Share Certificates - 1
| Term | Minimum Balance | APY |
|---|---|---|
| 6 months - FEATURED RATE | $500 | 4.75% |
| 12 months | $500 | 4.50% |
| 18 months | $500 | 3.00% |
| 24 months | $500 | 3.00% |
| 30 months | $500 | 3.25% |
| 36 months | $500 | 3.25% |
| 48 months | $500 | 3.25% |
| 60 months | $500 | 3.50% |
Penalties may apply for early withdrawals. IRA Certificates not available in 6-month term.
Youth Certificates
| Term | Minimum Balance | APY** |
| 6 months - FEATURED RATE | $50 | 4.00% |
| 12 months | $50 | 3.75% |
| 24 months | $50 | 3.75% |
Youth Certificates 1
| Term | Minimum Balance | APY** |
|---|---|---|
| 6 months - FEATURED RATE | $100 | 4.75% |
| 12 months | $100 | 4.50% |
| 24 months | $500 | 3.00% |
