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Electronic banking, drive-up lanes and select quick-service window, and select lobbies are OPEN to serve you! Our phase two lobby reopening, effective Monday, June 15, complies with social distancing practices and sanitation standards, keeping your safety a top priority.

We encourage continued use of convenient online services including It'sMe247 Online Banking and the Service 1 FCU mobile app. Our teams of on-site critical infrastructure workers and remote staff thank you for your patience while we work to provide individual attention for every member—you're very important to us!

As local municipalities adjust safer-at-home orders, our phased reopening approach may require branch-specific service modifications to allow for a safe member experience. Please see the "Open with service adjustments" section and FAQs below for details.

illustration of partner handsWe're here for you

Our Member Driven. Community Focused. commitment means we're looking out for the best interests of members, focusing on providing the best service experience possible in every way we can. If you've been financially impacted by COVID-19, we invite you to reach out to us so we can help with income disruption solutions like extensions, skip payments, special relief loans, fee adjustments and more. Every situation is unique—let us design a plan that's best for you. Representatives are ready to assist you in our call center at (800) 879.9697.

Illustration of purse with lockYour money is safe

The security of your money isn't something you should have to worry about. Since Service 1 FCU is federally insured by the NCUA (National Credit Union Association), you don't have to. Your deposits are automatically protected up to $250,000, giving you peace of mind and access to your money when you need it. You're safe with us! 

Illustration of open signOPEN with service adjustments

To do our part in reducing risk for disease transmission and comply with state executive orders,select Service 1 FCU branch lobbies are OPEN with capacity restrictions. In order to deliver the most safe and efficient member experience possible, all drive-up lanes are OPEN, and members can access their accounts anytime, anywhere with digital banking tools like It'sMe247 Online Banking and our mobile app. Our quick-service walk-up window is OPEN at our Shell Knob, MO office. Thank you for your patience and understanding as we seek to be part of the solution.

The following branch lobbies are open with social distancing practices in place:


  • Main office, 1075 E. Sherman Blvd., near Roberts
  • SB branch, 991 W. Broadway near Henry in Roosevelt Park


  • Mobile branch, 2051 S. Broad St. in the Mobile Aeroplex at Brookley

Phase II Reopening

Our Phase II reopening plan, implemented June 15, 2020, allows for in-branch service at select locations in accordance with our COVID-19 Preparedness and Response Plan policy. 

To do our part in reducing risk for disease transmission and comply with state executive orders, open Service 1 FCU branch lobbies are practicing social distancing while lobbies that remain closed to walk-in traffic have increased sanitation practices in all drive-through touchpoint areas.

Members visiting reopened lobbies or scheduling appointments will be asked to comply with the following for in-person visits:  

  • Please limit your party; lobbies have limited capacity while adhering to social distancing mandates
  • Bring identification that may be required to present upon entering
  • Wear a face covering or mask
  • Wash/sanitize your hands using our sanitizing stations
  • Maintain 6' social distance
  • If you feel ill or have recently been in contact with a person known to have COVID-19, please utilize our electronic banking tools and contact your physician as soon as possible

If you're unable to keep your appointment, please call your branch office to reschedule. We look forward to seeing you again soon in a safe, healthy environment!

illustration of clock24/7 access with digital banking

Our digital banking tools make it quick and easy to bank online and mean you won't have to wait in drive-thru lines or on a telephone hold. We encourage you to take advantage of these convenient services—whether you’re paying a bill, depositing a check, transferring funds, and more—using:

» It’sMe247 Online Banking with Bill Pay and CU*Talk telephone banking

» The Service 1 FCU mobile app using your smartphone or tablet—including mobile check deposit, e-statements, transfers and more—for on-the-go access

» Mobile wallet for touchless payments with your Service 1 FCU debit or credit card

» Drive-up service or quick-service walk-up windows*

» Instant access to cash with a network of more than 30,000 surcharge-free ATM locations

» Phone representatives are available at your nearest Service 1 FCU branch and in our call center at (800) 879.9697; visit our website for locations, hours and contact information

*Services vary by branch location

Stimulus payments

If you qualify for a government stimulus payment—called an Economic Impact Payment (EIP)—but haven't received it or have other questions, you can learn more by referencing the FAQ section below or our online guide for quick tips and links to government websites.



Are Service 1 FCU lobbies open?

Select Service 1 FCU branches opened to walk-in traffic on June 15, 2020 with social distancing practices in place. Our drive-up lanes and ATMs provide the quickest service while we prepare for the next phase of opening. Electronic banking options, including our mobile app, give you 24/7 access to your money!

How can I make an appointment?

To make an appointment, please call your nearest branch office during normal business hours, or contact a member care representative in our call center at (800) 879.9697. We’ll work with you to find a convenient time for your visit!

What do I need to do when arriving for my appointment?

Please bring government-issued identification to your appointment and check in with your member service representative.  Please limit your party to one member and one guest to help us comply with capacity restrictions and social distancing mandates. Lobby seating is unavailable at this time in order to help keep everyone safe. Thank you for your cooperation!

How can I protect myself during my visit?

For your safety and that of others around you, we ask that you do the following during your in-branch appointment:

  • Wear a face covering or mask
  • Wash/sanitize your hands using our lobby sanitizing stations
  • Maintain 6' social distance

To view or download lobby safety requirements, access our guidelines sheet here.

If I feel sick, should I keep my appointment?

If you have symptoms of Coronavirus, other respiratory illness or feel ill in general, we ask that you do not come in for your appointment. If you're unable to keep your appointment, please call your branch office to reschedule. We look forward to seeing you again soon in a safe, healthy environment!

For more information about Coronavirus and your safety, please visit Centers for Disease Control website or the World Health Organization website.

Can I use a Shared Branch location?

As various parts of the country open for business during different phases, services at shared branch locations may be adjusted. So you can "know before you go," use the shared branch finder on our website to search for a nearby location. You can also find a participating branch quickly and easily in the mobile app when you're on-the-go!

Can I apply for a loan online?

Yes! For many types of loans, you can apply online using a desktop computer or the Service 1 FCU mobile app. Visit the "Loans & Credit" area of our website to learn more about each loan type. Contact a lending professional at (800) 879.9697 for more details about loan solutions.

How do I find out about more opening phases?

Check your email and mobile app, review messages on your statements, visit our website often and follow us on social media! Any immediate service modifications—such as adjusted hours, unscheduled maintenance, and phased reopening announcements—will be posted using our website alert bar (top of page) and to our Facebook page and Twitter page.

Is Service 1 FCU doing anything to help?

Community is at the core of what we do at Service 1 FCU. We’re supporting immediate needs in our branch service areas and plan to continue efforts in the future, as we always have. Find examples of our COVID-19 community outreach in conjunction with the generous support of the Michigan Credit Union League's foundation and the Community Foundation for Muskegon County—including the distribution of assistance and resources in our communities through crisis grants, contributing to remote learning initiatives, and more—on our blog.

Some of the organizations impacted include:

  • The Muskegon Rescue Mission/food pantry
  • AgeWell Services of West Michigan/Meals on Wheels
  • Adopt a Nurse/Health Care Worker (Alabama Gulf Coast)
  • Shell Knob Area First Responders (Missouri)
  • Tri-Cities Area Habitat for Humanity (West Michigan)
  • Grand Haven Area Community Foundation
  • McAuley Colleague Emergency Assistance Fund (Mercy Health)
  • Area Agency of the Aging/meal delivery (Neosho, MO)
  • Area first responders (West Michigan)
  • Elite Prep Preschool/Daycare (Joplin, MO)
  • Teachers working remotely (West Michigan)
  • Explorers Learning Center Daycare (West Michigan)
  • COVID-19 Response Fund/United Way of the Lakeshore
  • The Muskegon Big Reds Celebrity Reading Tour (West Michigan remote teachers)

We are: Member Driven. Community Focused.

Where can I get information about Economic Impact Payments (stimulus)?

For everything you need to know, go to the Economic Impact Payment Information Center on the IRS website, or you can view/download our quick reference guide. Service 1 FCU member service representatives are also standing by in our call center, ready to help: (800) 879.9697. 


Our pledge to you

Our staff and support teams are continually monitoring the Coronavirus situation and taking every precaution to remain healthy, keeping your experience free of service interruptions, and implementing extra sanitary measures at all drive-through and lobby touchpoints. We're working behind the scenes to deliver services that meet your needs in both traditional and unconventional ways while complying with government executive orders and social distancing mandates. We appreciate the trust you've placed in us and look forward to the time when we can provide in-person service in our branches.

Follow us on Facebook and Twitter for real-time updates. Thank you for your patience as we work to serve you best! 

For more information about what credit unions can do for you, view a video from the Michigan Credit Union League.

Michigan Executive Order No. 2020-114,  Missiouri Executive Order No. 20-10, and Alabama Safer at Home Executive Order.

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