Our members and their goals matter to us.
We understand that people are trusting us with their money, time and dreams, and we take that very seriously. In fact, we’re here for our members because we share those dreams, as well as a mutual respect for the values that connect us: values such as family, community, service and financial integrity.
“Ready to serve” isn’t just a tagline or motto. It’s the way we run ourcredit union. No matter the situation, at the root of everything, we’re “Ready.” From our headquarters in Portsmouth, New Hampshire, to countries around the world, we take pride in always being prepared for our members, our staff and for our future.
We want to make your new membership as easy as possible with the resources you need to get going. Are you ready?
Online Access
With online and mobile banking, you can access your accounts anytime, anywhere. Skip the trip to the branch and enjoy features such as:
- Bill Pay–Find “Bill Pay” on your online banking home screen, or in the bottom, center of your mobile app options. Click “sign up” and select the Service Credit Union checking account you would like to pay bills from. From there, you may set up one-time or reoccurring payments.
- Apply for Loans, and Pay Your Loan Using Any Financial Institution–To apply for a loan, find the “Apply for a Loan” option in the top, center of your online banking options. If you are using your mobile app, you will find this under the “More” option. From here, you will be taken to a separate loan application page. To pay an existing loan, find “Pay Your Service CU Loan” at the top left of your online banking options, or look for “Loan Payment” under “More” in your mobile app. From there, you will be able to select or set up the account from which you would like to pay your loan, and can set up reoccurring monthly payments.*
- Online Deposit– If you have been a member for a minimum of 30 days and are enrolled in online banking, you can make deposits through our mobile app, or with a computer and scanner.**
- See Your FICO® Credit Score– Click on “My FICO® Score” on the top right of your online banking options, or look under “More” in the mobile app.
- Transfer Funds– In online banking, select “Transfer Funds” from the center of your menu options. In your mobile app, select “Transfers,” located at bottom left of your screen. From there, select whether you will be making an internal or external transfer and the amount to transfer.***
Ready to get started?
Click here to register for Online Banking. You’ll just need your member ID and PIN number (last four digits of your SSN). To download our mobile app, visit theApp StoreorGoogle Play.
Go Paperless
Want to ditch the paper, and see your transactions online? Sign up for eCommunications within Online Banking. Still need to register for Online Banking? Pleaseclick here. Once you’ve logged in to Online Banking, navigate to Statements and Documents and accept the eCommunications disclosure.
Bank
Helping youmanage your money is our top priority. With a variety of checking accounts, higher-dividend share certificates and a tiered approach to money market accounts, Service Credit Union makes it easy to manage and grow your money. Check out ourcurrent rates here.
Borrow
We are proud to offer low rates, fast approval and an easy application process for all our lending products. Learn more about ourcredit card,personalandautoloan options.
From your first home to a jumbo loan, we have you covered. Learn more about ourmortgageandhome equityproducts.
Invest
We have plans to help you sock money away for those long-term goals that won’t stress you out along the way.Click hereto see how the MEMBERS Financial Services Program can help you plan for life’s biggest events.
Insure
Learn moreabout our discounted insurance options with partners such as Travelers and TruStage®.
Don’t Miss Out on Current Promotions
Don’t miss out on the latest offers and specials from Service Credit Union. Check out all of ourcurrent promotions here.
*Account used to make a loan payment must be held in your name.
**Must meet qualifications for use of this service. Account must be open for at least 30 days from first deposit and must be in good standing. Daily/monthly limitations apply. $200 of total checks deposited each business day will be made available with the remainder on hold for a minimum of 2 business days. Online deposit must be reviewed and accepted for deposit prior to being posted to an account. Third party checks are not accepted.
***When sending funds to another financial institution, your name must be listed as an owner on both the sending and receiving accounts. A fee of $9 will be assessed if you select the premium transfer option for external transfers. Additional conditions apply. Please see the External Transfers Terms and Conditions for more information.
FAQs
There is a daily ATM withdrawal limit of $1,000 and a limit of $2,500 for purchases (POS – Point of Sale), assuming the funds are available. This answer has been viewed 13543 times.
Does opening a credit union account help your credit? ›
Does joining a credit union build credit? Joining a credit union can help build credit, provided you follow the right steps. For example, if you join a credit union with bad credit, you may want to consider getting a secured credit card to improve your credit score. This is also an option if you're new to credit.
What is the difference between a federal credit union and just a credit union? ›
Credit unions are not-for-profit enterprises that enjoy tax-exempt status. A federal credit union (FCU) is regulated and supervised by the National Credit Union Association (NCUA). State credit unions instead adhere to state-specific regulations and guidelines, but not all states have such laws in place.
Can credit union make you money? ›
Credit unions are not-for-profit organizations. While a credit union may earn profits, those profits are funneled back into business operations, paid to members as dividends or used to offer additional benefits for members.
What is considered a passing grade at SCU? ›
Grades in the B- and C+ ranges are given for acceptable performance levels in a particular course.. A C- grade is the minimal passing grade. A grade of F is given for performance that insufficiently demonstrates academic and professional competence.
How much does SCU cost after aid? ›
At Santa Clara University, the total cost is $78,849. The net price is the average cost of the university after aid and scholarship funds are discounted from the total cost, which comes in at $45,384 for the average student receiving need-based aid.
What credit score is needed for a credit union credit card? ›
You need a credit score of 700+ to get a credit card from most credit unions, though some credit unions have options available for people with bad credit or no credit history. There are credit union cards for every credit level, and some of the best credit union cards are only available to people with excellent credit.
What is the best credit union to join? ›
Our top recommendations
- Best for low-interest credit cards: First Tech Federal Credit Union.
- Best for deposit account variety: Consumers Credit Union.
- Best rewards credit card: PenFed Credit Union.
- Best for low share balance: America First Credit Union.
- Best for ATM access: Quorum Federal Credit Union.
Is it better to join a bank or a credit union? ›
A credit union might be the better choice if you value high savings account rates and low fees, plus like the idea of being part of the ownership group. But if you need a bigger menu of banking products and services and want to be near a branch, then you may be better off at a traditional bank.
Are credit unions safer than banks? ›
Like banks, which are federally insured by the FDIC, credit unions are insured by the NCUA, making them just as safe as banks.
Federally chartered credit union have a few more options with their names than their state chartered counterparts. The huge number of federal banks and federal agencies using the word 'Federal' in their name creates a layer of credibility or added security.
Why is a federal credit union better than a bank? ›
Better interest rates: Credit unions typically offer higher interest rates on savings accounts because they have lower overhead costs than banks. Similarly, they offer lower interest rates on loans. Customer service: Credit unions pride themselves on offering better customer service than banks.
What is one disadvantage of a credit union? ›
Credit unions tend to have fewer branches than traditional banks. A credit union may not be close to where you live or work, which could be a problem unless your credit union is part of a shared branch network and/or a large ATM network such as Allpoint or MoneyPass. May offer fewer products and services.
Why do banks not like credit unions? ›
For decades, bankers have objected to the tax breaks and sponsor subsidies enjoyed by credit unions and not available to banks. Because such challenges haven't slowed down the growth of credit unions, banks continue to look for other reasons to allege unfair competition.
Do credit unions loan out your money? ›
A credit union is a not-for-profit financial institution that accepts deposits, make loans, and provides a wide array of other financial services and products.
How many units can I take SCU? ›
A normal academic load is 16 units per semester for undergraduate students and 8 units (500-level) for graduate students. The university recommends that undergraduate students register for no more than 18 units and graduate students for no more than 16 units.
How many units is full-time SCU? ›
You must be enrolled in at least 12 units each quarter to be considered a full-time student. Check prerequisites and verify that you have met all course pre-requisites at least the quarter prior to when you would like to enroll in specific class(es).
When can I overload SCU? ›
Unit Overload
Students may enroll for no more than 19 units unless they are in the University Honors Programor School of Engineering, their cumulative grade point average at Santa Clara is at least 3.3, or they have upper-division status and obtain approval from the Drahmann Center.
What is the daily limit for VIA Credit Union? ›
To report lost/stolen MasterCard® debit card:
Please check Fraud Alerts for additional countries or states that are temporarily blocked/restricted due to fraudulent transactions. Also for your protection, there is a daily purchase limit of $1,500 on your ViaCU debit card.