Credit union · NCUA insured
Service 1 Federal Credit Union Savings Rates
Service 1 Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Management Account. Rates checked October 16, 2026.
How Service 1 Federal Credit Union’s savings 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
1.00%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $100
Money Management Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Route 31
3.10%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $310
Service 1 Federal Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.00%
- QualifiedQualified1.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Management Account
1.00%APY
Competitive dividends on balances of $2,000 or more; no dividends earned for any day balance falls below $2,000; accrued dividends not paid if closed before dividends paid; six free automatic, in-branch, or mail withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $20,000 | 1.00% | $100 |
| $20,000 – $50,000 | 1.25% | — |
| $50,000 – $100,000 | 1.75% | — |
| $100,000 and up | 2.00% | — |
Sources (2)
All captured Oct 5, 2026
Free Kasasa Saver
Up to 0.50%APY
Linked Kasasa Cash or Kasasa Cash Back checking account required. Limit one account per member account number.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Applies to balances up to $25,000 when linked Kasasa Cash or Kasasa Cash Back account qualifications are met during the monthly qualification cycle (at least 12 debit card purchases post and settle, receive e-statements, log into online banking). | 0.50% | $50 | Applies to balances up to $25,000 when linked Kasasa Cash or Kasasa Cash Back account qualifications are met during the monthly qualification cycle (at least 12 debit card purchases post and settle, receive e-statements, log into online banking). |
| Any balanceBase rate earned on all balances when linked Kasasa account qualifications are not met during the monthly qualification cycle. | 0.05% | $5 | Base rate earned on all balances when linked Kasasa account qualifications are not met during the monthly qualification cycle. |
Sources (2)
- service1fcu.com/bank/savings/free-kasasa-saver.html
- service1fcu.com/bank/money-management-account.html
All captured Sep 18, 2026
Share Savings Account
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upEarns 0.05% APY on balances of $250 or more. No minimum balance requirement to maintain account.$250 and up | 0.05% | $5 | Earns 0.05% APY on balances of $250 or more. No minimum balance requirement to maintain account. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Club Savings
Up to 0.25%APY
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceHoliday savings club. Earns 0.25% APY on entire balance prior to automatic transfer date. Funds automatically deposited to regular share account on the first business day of November. Early withdrawals available for $5 per withdrawal.Any balance · $0 to open | 0.25% | $0 | $25 | Holiday savings club. Earns 0.25% APY on entire balance prior to automatic transfer date. Funds automatically deposited to regular share account on the first business day of November. Early withdrawals available for $5 per withdrawal. |
| Any balanceVacation savings club. Earns 0.05% APY on entire balance. Funds disbursed when ready with no transaction limitations.Any balance · Unknown to open | 0.05% | Unknown | $5 | Vacation savings club. Earns 0.05% APY on entire balance. Funds disbursed when ready with no transaction limitations. |
Sources (2)
All 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.