Credit union · NCUA insured
Service 1 Federal Credit Union CD Rates
Service 1 Federal Credit Union’s best CD rate is 3.75% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Service 1 Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Muskegon, MI, where Service 1 Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Service 1 Federal Credit Union
3.75%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $186
Share Certificates
Top rate
Michigan Coastal Credit Union
4.30%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $467
2nd-highest rate
Community Choice Credit Union
4.30%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $917
Service 1 Federal Credit Union CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Service 1 Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.75%APY · 8 terms
No setup or maintenance fees. $500 minimum deposit to open. Early withdrawal penalties: 12 months or less – 90 days of dividends; 18, 24 & 30 mo. – 180 days of dividends; 36, 48 & 60 mo. – 365 days of dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFeatured rate | 3.75% | $186 |
| 12 months | 3.50% | $350 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 30 months | 3.50% | $898 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Sources (1)
- service1fcu.com/bank/certificates-cds.html · captured Sep 18, 2026
Special-purpose accounts
Youth Certificates
Up to 4.00%APY · 3 terms
Available to Ranger Club kid (ages 0 to 12) and Navigator Club teen (ages 13 to 17) members age 17 and under. Minimum opening deposit is $50. APY includes a 0.25% Club Benefit Payment, which discontinues at age 18. Additional funds may be added at any time during the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFeatured rate. APY includes 0.25% Club Benefit Payment | 4.00% | $198 |
| 12 monthsAPY includes 0.25% Club Benefit Payment | 3.75% | $375 |
| 24 monthsAPY includes 0.25% Club Benefit Payment | 3.75% | $764 |
Sources (1)
- service1fcu.com/bank/certificates-cds.html · captured Sep 18, 2026
Who can join Service 1 Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, attend school, or worship in Stone, Barry, Newton, or McDonald County, Missouri.
Employers and groups
- Membership is open to members of affiliated select groups such as churches, alumni groups, labor unions, and homeowner associations.
- Membership is open to current or former employees of Service 1 FCU select employer groups.
Family and household
- Membership is open to immediate family members of an existing Service 1 FCU member or persons living in the same household.
Cost to join
- A $5 share deposit is required to establish membership and become a member-owner.
Membership information collected October 5, 2026.