Unlock the purchasing power of a credit card
It’s time you earned points for all of your spending. We have the perfect credit card to help you Score BIG!
Benefits You’ll Love
- Swipe and tap your way to rewards points with each purchase
- No annual fees or balance transfer fees
- Enjoy rates as low as 9.9% APR*
- Convenient cash advances for last-minute needs
Score BIG with rewards when you carry a secured or unsecured Service 1 FCU credit card! Earn points with every new purchase, redeemable for free merchandise, travel, gift cards—even cash back!
Apply for the Service 1 FCU ScoreCard Rewards credit card today and enjoy:
- Earn 1 point for every dollar in new purchases—plus activate BONUS point offers to earn rewards faster!
- Purchasing power across the globe, in stores and online—use your card for secured or unsecured credit card for everyday expenses like gas and groceries, or monthly bill payments, and more!
- Rates as low as 9.9% APR*
- NO ANNUAL FEE
- No balance transfer fees
- True 25-day grace period for new purchases (if your previous credit card statement balance was paid in full)
- Cash advances available without fees**
- Easily replaced if lost or stolen
To activate your Service 1 FCU credit card, call 800-543-5073. If you have questions, please email [email protected]. Click here for the ScoreCard Rewards redemption site.
*APR=Annual Percentage Rate. Subject to credit approval. Rates and terms are subject to change. Membership eligibility required. Bonus rewards promotional periods determined by ScoreCard Rewards and vary by offer. Log into ScoreCard Rewards account for complete details or contact Service 1 Federal Credit Union.
Enroll, Earn, and Score Rewards
Add ScoreCard Rewards to your Service 1 FCU credit card: visit www.scorecardrewards.com, create an account, and start earning points today!
Enjoy Real-time Savings When You Pay with Points
Score SAVINGS at checkout with Premium Payback! Cardholders have the option to redeem points for discounts when transacting with participating vendors such as Walmart, PayPal, Walgreens, CVS, Dollar General, and various gas stations!†
Start saving on everyday items:
- Use your ScoreCard Rewards credit card at checkout at participating vendors
- Select “yes” to accept discount
- Save!
Learn more at www.scorecardrewards.com
†Instant savings (Premium Payback) available in-store at cashier for select retailers and at the pump for select gas stations; points must be available in account for redemption.
Points Gifting
Cardholders can gift points across Service 1 FCU accounts! Points gifting is perfect for holidays, birthdays, special occasions, and more!
Please note:
- Once gifted, the points cannot be refunded or gifted to another account, and will expire per program rules.
- The transaction will be effective within 2-3 business days and will display under Transaction History on both the gifter and recipient accounts
A secured credit card is different from an unsecured credit card in that a deposit is made by the cardholder for the amount the credit card is worth. Using your Service 1 FCU savings account, deposit the amount you're comfortable with spending; that amount is used as collateral for the purchases you’re making with the card.
Why choose a secured credit card?
- If you're just starting out, a secured credit card can help you establish your credit safely and securely
- If you’ve run into financial difficulty that resulted in damaged credit, you might find it hard to obtain a loan, be approved for an apartment or other housing, and more. Past money mistakes can be nearly impossible to overcome without guidance and tailored products like a secured credit card from Service 1 FCU, and it's an ideal solution for rebuilding your credit score.
Contact us for more details on how you can get started establishing or rebuilding your credit with a secured Service 1 FCU credit card!
A voluntary debt protection program, Member’s Choice Borrower Security* coverage can eliminate your eligible loan balance, up to the agreement maximum, should the unthinkable happen before paying off your loan. Situations in which debt protection can benefit you or your family:
Death | can eliminate your eligible loan balance, up to the agreement maximum, should you pass away before paying off your loan.
Disability (due to a protected illness or injury) | Member’s Choice Borrower Security can cancel your monthly loan payment, up to the agreement maximum. With payment cancellation, both the principal and interest portions of your loan payment are cancelled, up to the agreement maximum, and your loan balance declines.
Involuntary Unemployment | If you become involuntarily unemployed, Member’s Choice Borrower Security can defer the principal portion of your loan payment and cancel the interest portion up to the agreement limit. With interest cancellation, the loan balance does not decline. Program and other fees may continue to accrue.
With Member’s Choice Borrower Security, you'll purchase just enough protection to cover your loan balance. Ask today for the coverage that'll bring you peace of mind!
*Subject to change
*APR=Annual Percentage Rate. Subject to credit approval. Rates and terms are subject to change. Membership eligibility required. Bonus rewards promotional periods determined by ScoreCard Rewards and vary by offer. Log into ScoreCard Rewards account for complete details or contact Service 1 Federal Credit Union.
Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Member’s Choice Borrower Security debt protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
Apply Now
Not Yet a Member?
Apply for a low-rate loan now and open your membership later.
Apply NowCheck Membership EligibilityUse 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) | 5.99% 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 $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.
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+ | 1.25% |
| $50,000.00 - $99,999.99 | 1.15% |
| $20,000.00 - $49,999.99 | 1.00% |
| $2,000.00 - $19,999.99 | 0.75% |
Money Management Account 1
| Balance | APY |
|---|---|
| $100,000+ | 1.15% |
| $50,000.00 - $99,999.99 | 1.00% |
| $20,000.00 - $49,999.99 | 0.90% |
| $2,000.00 - $19,999.99 | 0.75% |
Share Certificates
| Term | Minimum Balance | APY |
|---|---|---|
| 60 months | $500 | 3.00% |
| 48 months | $500 | 2.90% |
| 36 months | $500 | 2.80% |
| 30 months | $500 | 2.75% |
| 24 months | $500 | 2.75% |
| 18 months | $500 | 2.75% |
| 12 months - FEATURED RATE | $500 | 5.25% |
| 6 months | $500 | 3.00% |
Penalties may apply for early withdrawals. IRA Certificates not available in 6-month term.
Share Certificates - 1
| Term | Minimum Balance | APY |
|---|---|---|
| 60 months | $500 | 3.00% |
| 48 months | $500 | 2.90% |
| 36 months | $500 | 2.80% |
| 30 months | $500 | 2.75% |
| 24 months | $500 | 2.75% |
| 18 months | $500 | 2.75% |
| 12 months - FEATURED RATE | $500 | 5.25% |
| 6 months | $500 | 2.50% |
Penalties may apply for early withdrawals. IRA Certificates not available in 6-month term.
Youth Certificates
| Term | Minimum Balance | APY** |
| 6 months | $100 | 2.50% |
| 12 months | $100 | 5.25% |
| 24 months | $500 | 2.75% |
Youth Certificates 1
| Term | Minimum Balance | APY** |
|---|---|---|
| 6 months | $100 | 2.50% |
| 12 months | $100 | 5.25% |
| 24 months | $500 | 2.75% |
