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How do I activate my Mastercard® Debit Card?

Call (800) 543-5073. You must have your PIN to activate your card.

How do I activate my Service 1 FCU credit card?

Call (800) 543-5073. 

How do I change my Mastercard® Debit Card PIN?

Call (866) 297-3411. You must have current PIN to make change. 

What if I don’t know my current Mastercard® Debit Card PIN?

Call your local Service 1 FCU location and we will reset your PIN or request your current PIN be sent to you.

How do I order checks?

You can order checks online at or any Service 1 FCU location.

Is there a fee for your checking?

No, our checking is FREE. Choose from free rewards checking through Kasasa® or free basic checking.

How much does it cost to transfer a loan from another financial institution to Service 1 FCU?

We do not charge you to transfer a closed-ended loan such as an auto loan. We do offer mortgages at our Michigan and Alabama locations and costs to transfer a mortgage loan will vary.

Do you offer home mortgage loans?

We offer home mortgages at our Michigan and Mobile, Alabama offices only at this time.

Can I still get a loan if I don’t have perfect credit?

We review all loan applications and take every situation into consideration. Find out how we can help you! 

What are your credit card interest rates?

Low rates and high rewards? Score! Apply for our ScoreCard Rewards® credit card with a low, fixed rate of 9.9% APR, no annual fee, no balance transfer fees, a true 25-day grace period and REWARDS like free merchandise, gift cards, travel discounts, online play, and more! Earn points with every BONUS POINTS when you activate special offers, helping you get the rewards you want faster!

Is there a fee for using the ATM?

Members receive 4 withdrawals, 4 transfers, and 2 inquiries per month FREE. Transactions in excess of these are $1.00 each. Transactions are valid at ATMs owned by Service 1 as well as those in the Co-Op Network. Other ATMs outside of this network may assess a fee.

Do you have Online Bill Pay?

Yes, we offer FREE Online Bill Pay to our membership. Visit and simply click on the It’sMe247 log in to get started. 

How do I reset my PIN on Online Banking if I have not used it in over 60 days?

Call your local Service 1 FCU office to reset your PIN securely. We're happy to assist you!

How long do I have to wait for my new Mastercard® Debit Card?

New members opening a share account with a Mastercard® debit card may receive a card and PIN within a matter of minutes. Cards that are mailed from our processor can take between 5 to 10 business days. After receiving your new card, your PIN will arrive by mail approximately 2 to 3 days later.


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How do I change my address with Service 1 FCU?

You can change your address online in It’sMe247 Online Banking or by stopping in at any Service 1 FCU location

Is my money insured?

Yes, your money is insured by the National Credit Union Administration (NCUA) for up to $250,000.

Can my family or friends that are not members on my account at Service 1 FCU make withdrawals or deposits into my account?

Non-members can make deposits into your account but not withdrawals. They are not permitted to access account balance information. 

Do I have to close my account if I move out of state?

No, you do not have to close your account. You can access your money via It’sMe247 Online Banking, with our mobile app, and at our Shared Branch locations. Visit their website to find one near you. 




What is the difference between a credit union and a bank?

Credit unions are not-for-profit financial cooperatives owned by members and governed by a board of directors elected by, and from among, those members. Usually there is a common bond among the members, such as belonging to the same organization or living in the same geographical area. Credit unions accept deposits from their members and use them to make short-term loans. Deposits are regarded as purchases of shares, and earnings of the credit union are paid out to members with lower interest rates on loans and higher savings rates.

Banks are community, regional or national for-profit business corporations owned by private investors and governed by a board of directors chosen by the stockholders. 

What are the benefits of membership at Service 1 FCU?

At Service 1 Federal Credit Union you're a member, not merely a customer. Everyone who belongs to Service 1 FCU is an owner and is known as a member.

Ownership has many benefits, including online banking with free bill pay and A2A transfers; on-the-go banking with convenient mobile app featuring remote check deposit; competitive financing rates on auto, home and personal loans; savings dividends; checking rewards (high-interest dividends, cash back, digital credits and refunded ATM fees when monthly qualifications are met with a FREE Kasasa checking account); low-rate credit cards; competitive CD rates; youth savings and checking accounts with debit card privileges; annual scholarship program; shared branching with free nationwide ATM network; certified financial counselors; identity theft monitoring with Kasasa Protect; and so much more, not to mention top-notch, personalized member service!

Service 1 Federal Credit Union is a federally chartered credit union that is insured and regulated by the federal government. All credit unions have membership eligibility requirements. Once you join, membership at Service 1 Federal Credit Union can last a lifetime. Make the switch today!

How can I join?

Service 1 Federal Credit Union’s field of membership consists of nearly 500 companies in Michigan, Missouri, and Alabama. We work closely with these companies to ensure that their credit union experience is a good one. Any person who is employed by a company that is affiliated with Service 1 Federal Credit Union is eligible to become a member simply by depositing $5.00 into a Share Account. Residents of Stone and Barry Counties in Missouri are also eligible.

Immediate family such as spouse, child, sibling, parent, grandparent, or grandchild of a member are also eligible for membership. For more information on individual or corporate membership eligibility contact Service 1 Federal Credit Union at (231) 739-5068. 




How do I set up direct deposit or automatic payments?

Direct Deposit can be set up with your payroll provider. You will need to provide them with our routing number and your Service 1 FCU account number. 

How do I set up ACH transfers from savings or checking?

You can set up ACH Transfers through It’sMe247 Online Banking or with a Member Service Representative at any Service 1 FCU location.

Can I set up payments from my Service 1 FCU account to another financial institution?

Yes, this can be done through Online Bill Pay or our A2A, which requires filling out paperwork with an MSR.

Can I set up payments from another financial institution to my Service 1 FCU account?

Yes, this can be done through A2A, which requires filling out paperwork with a Member Service Representative.

How do I wire money?

To wire money you must come to the credit union to complete a wire transfer form. Domestic outgoing wire transfers are $25.00.




What holidays are you closed?

View our holiday closings.

Do I need an appointment to speak with a loan officer?

You do not need an appointment to speak with a loan officer. However, we do encourage you to schedule one to ensure you are served in a timely manner—we know your time is valuable!

When are you open?

Hours of operation vary by branch and can be found on our Locations & Hours page. We look forward to your visit!

Why did Service 1 FCU change the website?

We have updated the website to a more secure platform and to make it more user-friendly, providing the information you need in an easy-to-navigate manner. We’ve added more security, convenient financial calculators, ADA accessibility, and more!

If I deposit funds into my account does it go into my account right away?

If you deposit funds into your account at a Service 1 FCU location, yes, the money is available in your account right away. If you are depositing a check there may be a temporary hold placed on it.

Do you have a coin machine?

Yes, we have a coin machine at our Lakes Mall Branch in Muskegon. Service 1 Federal Credit Union members are assessed a nominal 5% fee (of total deposit) when using the coin machine. Non-members are invited to use the coin machine for a 10% fee (of total deposit). Service 1 FCU offers regular “Coin Machine Giveback” events during which time fees are waived for members. Check back periodically for information about giveback events, and like our Facebook page for advance notice of events and more!

Does Service 1 FCU have a notary service?

Yes, the credit union offers a notary service.

What is your routing number?

Our routing number is 272483264.


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