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Paper or plastic? Well, plastic makes it easy to shop — and with our low rate, easy to save. Ask for the Service 1 FCU credit card today.

Key Features

  • Stress-Free Shopping
  • Low Rates
  • No Annual Fee

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Already a Member?

Apply now! Log into It'sMe247 Online Banking to get started.

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Not Yet a Member?

Apply for a low-rate loan now and open your membership later.

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Score BIG with rewards when you carry the 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 everyday expenses like gas and groceries, plus monthly bill payments and more!
  • Rates as low as 9.9% APR*
  • 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 ScoreCard Rewards logo blue

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, 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:

  1. Use your ScoreCard Rewards credit card at checkout at participating vendors
  2. Select “yes” to accept discount
  3. Save!

Learn more at

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

Protect your loan today, worry a little bit less about tomorrow

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or payments against death, disability, or involuntary unemployment could help protect your finances.

Ask how Member’s Choice Borrower Security can protect your loan with a balance payoff or payments up to the contract maximums should the unexpected happen. Life Plus adds protection for life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent.

Purchasing protection is voluntary and won’t affect your loan approval. It’s simple to apply. For more information, download the Member’s Choice Borrower Security brochure or contact your Service 1 FCU loan officer today at (800) 879.9697.


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.

A secured credit card is different from regular credit cards in that you deposit the amount the credit card is worth in your Service 1 FCU savings account, and that amount is used as collateral for the purchases you’re making with the card. You’re able to safely and securely start establishing or rebuilding your credit score. 

If you’ve run into financial difficulty that resulted in damaged credit, you might find it hard to obtain new credit. Past money mistakes can be nearly impossible to overcome without guidance and tailored products like a secured credit card from Service 1 FCU. And if you're just starting out, a secured credit card can help you establish your credit.

Contact us for more details on how you can get started establishing or rebuilding your credit with a secured Service 1 FCU credit card!

Apply Now

Already a Member?

Apply now! Log into It'sMe247 Online Banking to get started.

Sign in to Apply

Not Yet a Member?

Apply for a low-rate loan now and open your membership later.

Apply NowCheck Membership Eligibility

*APR=Annual Percentage Rate. Rates and terms are subject to change. Subject to credit approval. Membership eligibility required. Contact Service 1 Federal Credit Union for details.

**There are no fees for cash advances from your S1FCU credit card. Take an advance at any Mastercard® ATM or financial institution displaying the Mastercard® logo. There is no grace period for cash advances. Interest is charged from the date of the transaction. Mastercard® advances may be subject to a third-party fee.

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