Unlock purchasing power and rewards with 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

*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 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.

Kasasa Cash CalculatorDisclaimer

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.

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  • Estimated monthly dividends earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

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.

1. Vehicle Info
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2. Loan Details
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3. Lease Details
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Share Certificate CalculatorDisclaimer

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.

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  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

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.

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Simple Loan CalculatorDisclaimer

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.

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  • 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+ 1.50%
$50,000.00 - $99,999.99 1.25%
$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%