--- title: "Service 1st Credit Union Rates - Pennsylvania" description: "Current vehicle loan, heloc, personal loan, credit card, and savings & cd rates from Service 1st Credit Union in Pennsylvania. Updated daily with source verification. See who can join Service 1st Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/service-1st" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Service 1st Credit Union Rates - Pennsylvania ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **New Autos (Rates As Low As)** auto_new | — APR | 5.290% | new | Standard | | **Used Autos (Rates As Low As)** auto_used | — APR | 5.290% | used | Standard | | **Auto Refinance (Rates As Low As)** auto | — APR | 5.290% | — | Standard | | **motorcycles, boats, RVs, etc. (rates as low as)** motorcycle | — APR | 7.440% | — | Standard | Service 1st Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Everyday Equity Line Of Credit** heloc_variable | — APR | 7.000% | — | Standard | Service 1st Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Certificate Secured (Above Certificate Rate)** personal_secured | — APR | 3.000% | — | Standard | | **Share Secured (Above Share Rate)** personal_secured | — APR | 3.500% | — | Standard | | **Signature / Unsecured (Rates As Low As)** personal_unsecured | — APR | 9.590% | — | Standard | | **Flexline / Personal Line-Of-Credit (Rates As Low As)**** ploc_variable | — APR | 11.000% | — | Standard | | **Overdraft Protection (Rates As Low As)** personal | — APR | 11.000% | — | Standard | Service 1st Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **VISA® platinum credit card (rates as low as)**** credit_card_platinum | — APR | 12.740% | — | Standard | Service 1st Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 10 offers | Product | Published | Rate | Term / condition | Status | | **3-Month Certificate** cd_3mo | — APY | 0.50% | 3 mo | Standard | | **Youth Certificate** cd | — APY | 0.80% | — | Eligibility restricted | | **48-Month Certificate** cd_48mo | — APY | 3.00% | 48 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.00% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.00% | 36 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.00% | 60 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.29% | 12 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.75% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 4.50% | 12 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 4.50% | 18 mo | Standard | Service 1st Credit Union savings & cd rates as of November 12, 2026 ### Other rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Up To 36 Months (Rates As Low As)** other | — % | 4.090% | — | Standard | | **37 To 60 Months (Rates As Low As)** other | — % | 5.090% | — | Standard | | **61 To 84 Months (Rates As Low As)** other | — % | 5.490% | — | Standard | | **85 To 120 Months (Rates As Low As)** other | — % | 5.690% | — | Standard | | **121 To 144 Months (Rates As Low As)** other | — % | 5.990% | — | Standard | | **145 To 180 Months (Rates As Low As)** other | — % | 6.290% | — | Standard | Service 1st Credit Union other rates as of November 12, 2026 Service 1st Credit Union is a credit union in Pennsylvania. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/service-1st) , verified from [Service 1st Credit Union's official website](https://service1.org/) Loading branch locator… ## About Service 1st Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 51.4K Assets $831.2M Founded 1975 Locations reported 12 NCUA charter 22128 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**MC** Danville · Danville · PA · 17821-1503 About 2.5 miles away](https://rateapi.dev/credit-unions/pennsylvania/mc) [**Central Susquehanna Community** cscfcu · Danville · PA · 17821 About 2.8 miles away](https://rateapi.dev/credit-unions/pennsylvania/central-susquehanna-community) [**Pennsylvania State Employees** PSECU eCenter at Bloomsburg · Bloomsburg · PA · 17815 About 11.4 miles away](https://rateapi.dev/credit-unions/pennsylvania/pennsylvania-state-employees) [**Central Keystone** Main Office · Sunbury · PA · 17801-2403 About 12.2 miles away](https://rateapi.dev/credit-unions/pennsylvania/central-keystone) [**Members 1st** Lewisburg Giant Branch · Lewisburg · PA · 17837-5029 About 13.2 miles away](https://rateapi.dev/credit-unions/pennsylvania/members-1st) [**Usne Penitentiary Employees** usnep employees fcu · LEWISBURG · PA · 17837 About 14.0 miles away](https://rateapi.dev/credit-unions/pennsylvania/usne-penitentiary-employees) 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 1st Credit Union Membership eligibility from Service 1st Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Service 1st Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Service 1st Credit Union's membership page](https://service1.org/membership/member-eligibility) . Final membership determination is always made by the credit union. ## Membership rules for Service 1st Credit Union Associations · Family 2 published paths to membership, last verified August 22, 2026, quoted from Service 1st Credit Union’s own published criteria. ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Member of Service 1st Federal Credit Union “You have an immediate family member that is already a member of Service 1st.” > [source ↗](https://service1.org/membership/member-eligibility) - Member of Service 1st Federal Credit Union ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Family of a member child, spouse, sibling, parent, grandparent, grandchild “You have an immediate family member that is already a member of Service 1st.” > [source ↗](https://service1.org/membership/member-eligibility) - Family member (child, spouse, sibling, parent, grandparent, grandchild) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Service 1st Credit Union? Yes No ## Work at Service 1st 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 1st Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched Service 1st Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Pennsylvania - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=service-1st&state=pennsylvania&code=PA&name=Service%201st%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Service 1st Credit Union offer? Service 1st Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Service 1st Credit Union rates updated? RateAPI verifies Service 1st Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Service 1st Credit Union's rate data? Rate data is collected directly from Service 1st Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Service 1st Credit Union? Service 1st Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 association for Service 1st Credit Union, each quoted from Service 1st Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Service 1st Credit Union's rates against national credit-union benchmarks. [More Pennsylvania credit unions](https://rateapi.dev/credit-unions/pennsylvania) [Pennsylvania auto loan rate leaders](https://rateapi.dev/auto-loan-rates/pennsylvania) [Pennsylvania HELOC rate leaders](https://rateapi.dev/heloc-rates/pennsylvania) [Pennsylvania personal loan leaders](https://rateapi.dev/personal-loan-rates/pennsylvania) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://service1.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Service 1st Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Pennsylvania credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Service 1st Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /service-1st " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Service 1st Credit Union locations Search, filter, and browse all 12 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/pennsylvania/service-1st Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp