Service 1 Credit Union
Verified rate book
Current Service 1 Credit Union rates
23 published offers verified as of August 4, 2026.
Auto & vehicle rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Auto Loanauto | 4.990% APR | 4.990% | — | Standard |
| Boat/Camper/RVboat | 4.990% APR | 4.990% | — | Standard |
| Motorcycle Loanmotorcycle | 4.990% APR | 4.990% | — | Standard |
| RV Loanrv | 5.990% APR | 5.990% | — | Standard |
HELOC rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 4.750% APR | 4.750% | — | Standard |
| Home Equity Loan (Fixed)heloc_fixed | 4.990% APR | 4.990% | — | Standard |
Personal loan rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 7.990% APR | 7.990% | — | Standard |
| Personal Line of Creditploc_variable | 18.000% APR | 18.000% | — | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Credit Cardcredit_card | 9.900% APR | 9.900% | — | Standard |
Savings & CD rates
14 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Kasasa Cash* (All balances if qualifications not met)savings | 0.05% APY | 0.05% | — | Standard |
| Share Certificates - 1 (24 months)share_certificate_24mo | 3.00% APY | 3.00% | 24 mo | Standard |
| Youth Certificates 1 (24 months)cd_24mo | 3.00% APY | 3.00% | 24 mo | Eligibility restricted |
| Share Certificates - 1 (18 months)share_certificate_18mo | 3.00% APY | 3.00% | 18 mo | Standard |
| Share Certificates - 1 (30 months)share_certificate_30mo | 3.25% APY | 3.25% | 30 mo | Standard |
| Share Certificates - 1 (36 months)share_certificate_36mo | 3.25% APY | 3.25% | 36 mo | Standard |
| Share Certificates - 1 (48 months)share_certificate_48mo | 3.25% APY | 3.25% | 48 mo | Standard |
| Share Certificates - 1 (60 months)share_certificate_60mo | 3.50% APY | 3.50% | 60 mo | Standard |
| Kasasa Cash* ($15,000+)savings | 4.25% APY | 0.05% | — | Standard |
| Kasasa Cash* (0 - $15,000)savings | 4.25% APY | 4.17% | — | Standard |
| 12-Month Certificateshare_certificate_12mo | 4.50% APY | 4.50% | 12 mo | Standard |
| Youth Certificates 1 (12 months)cd_12mo | 4.50% APY | 4.50% | 12 mo | Eligibility restricted |
| Share Certificates - 1 (6 months - FEATURED RATE)share_certificate_6mo | 4.75% APY | 4.75% | 6 mo | Standard |
| Youth Certificates 1 (6 months - FEATURED RATE)cd_6mo | 4.75% APY | 4.75% | 6 mo | Eligibility restricted |
Vehicle loans available from 4.99% APR. HELOC rates from 4.75% APR. Personal loan rates from 7.99% APR. Credit card rates from 9.9% APR. Savings and certificate yields up to 4.75% APY.
Source: RateAPI.dev, verified from Service 1 Credit Union's official website
Loading branch locator…
About Service 1 Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 21.2K
- Assets
- $197.4M
- Founded
- 1940
- Locations reported
- 5
- NCUA charter
- 4038
- Charter type
- Federal credit union
Services and member support
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Bilingual services
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Service 1 Credit Union
Membership eligibility from Service 1 Credit Union's own published criteria. How we verify this.
Membership criteria are published on Service 1 Credit Union's website. Check the membership page below to confirm whether you qualify.
- LocationMuskegon, Newaygo, Oceana, Kent, Lake, Isabella, Montcalm, Ottawa, Stone, Barry, Newton, McDonald
Cost to join: About $5.
Verified from Service 1 Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Service 1 Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Service 1 Credit Union ranks against Michigan peers.
Frequently Asked Questions
What rates does Service 1 Credit Union offer?
Service 1 Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Service 1 Credit Union rates updated?
RateAPI verifies Service 1 Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Service 1 Credit Union's rate data?
Rate data is collected directly from Service 1 Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Service 1 Credit Union's auto, rv, boat & motorcycle loan rates?
As of August 4, 2026, Service 1 Credit Union offers vehicle loans from 4.99% APR.
What is Service 1 Credit Union's HELOC rate?
As of August 4, 2026, Service 1 Credit Union offers home equity lines of credit from 4.75% APR.
What is Service 1 Credit Union's personal loan rate?
As of August 4, 2026, Service 1 Credit Union offers personal loans from 7.99% APR.
What is Service 1 Credit Union's best CD rate?
As of August 4, 2026, Service 1 Credit Union offers savings and certificate (CD) yields up to 4.75% APY.
Related Rate Data
Compare Service 1 Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Service 1 Credit Union rates
Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move.
Use it via API
Access this data programmatically with our REST API
# Get rates for Service 1 Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/service-1" \
-H "Authorization: Bearer YOUR_API_KEY"