Credit union · NCUA insured
Service 1 Federal Credit Union Credit Card Rates
Service 1 Federal Credit Union credit card rates start at 9.90% APR. Rates checked October 16, 2026.
How Service 1 Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Muskegon, MI, where Service 1 Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Service 1 Federal Credit Union
– –
No ongoing APR published
Lowest rate
Muskegon Federal Credit Union
7.90%APR
2nd-lowest rate
Family Financial Credit Union
8.90%APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Secured Credit Card
Requires a savings deposit to establish or rebuild credit. Subject to credit approval and membership eligibility. Rate is based on credit score and history. Includes ScoreCard Rewards and a 25-day grace period for new purchases when the previous balance is paid in full. No annual fee, no monthly fee, no balance transfer fees, and no cash advance fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Rates start as low as 9.9% APR based on creditworthiness. Subject to credit approval and membership eligibility. Requires a savings deposit. No annual, monthly, balance transfer, or cash advance fees. |
Sources (2)
All captured Oct 7, 2026
Unsecured Credit Card
Does not require a savings deposit; limits are determined by credit score and repayment history. Subject to credit approval and membership eligibility. Rate is based on credit score and history. Includes ScoreCard Rewards and a 25-day grace period for new purchases when the previous balance is paid in full. No annual fee, no monthly fee, no balance transfer fees, and no cash advance fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Rates start as low as 9.9% APR based on creditworthiness. Subject to credit approval and membership eligibility. Does not require a savings deposit. No annual, monthly, balance transfer, or cash advance fees. |
Sources (2)
All captured Oct 7, 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This may be incomplete or out of date, so check with the credit union before you apply.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.