Credit union · NCUA insured
Service 1st Federal Credit Union CD Rates
Service 1st Federal Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Service 1st Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Sunbury, PA, where Service 1st Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Service 1st Federal Credit Union
4.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $400
Regular Certificate Accounts
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
First Keystone Community Bank
4.25%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $644
Service 1st 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 mo4.00%
- 16–30 months16–30 mo1.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.00%
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 1st 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.
Regular Certificate Accounts
Up to 4.00%APY · 8 terms
minimum investment of only $500 3 to 60 month terms available dividend rate fixed for the term of the certificate APY (Annual Percentage Yield) based on the assumption that dividends remain on deposit until certificate matures dividends compounded and posted quarterly penalty for early withdrawal funds insured up to $250,000 by the NCUA, National Credit Union Administration
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal | 0.50% | $12 |
| 6 monthsPenalty for early withdrawal | 3.75% | $186 |
| 12 monthsPenalty for early withdrawal | 4.00% | $400 |
| 18 monthsPenalty for early withdrawal | 0.90% | $135 |
| 24 monthsPenalty for early withdrawal | 1.00% | $201 |
| 36 monthsPenalty for early withdrawal | 3.00% | $927 |
| 48 monthsPenalty for early withdrawal | 2.65% | $1,103 |
| 60 monthsPenalty for early withdrawal | 2.55% | $1,342 |
Sources (1)
- service1.org/personal/savings/cds · captured Oct 6, 2026
Variable Rate Certificate
3.29%APY · 1 term
12 month term, automatically renewable. $5,000 minimum deposit required. Dividend rate may change quarterly. Dividends compounded and posted quarterly. One withdrawal allowed without penalty per calendar quarter; penalty for withdrawals exceeding the permitted limit equivalent to 3 months dividends. If balance falls below $5,000, dividend rate changes to current Regular Savings rate. Additional deposits permitted in minimum amounts of $2,500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsThe dividend rate may change quarterly. Penalty for withdrawals exceeding permitted limit of one withdrawal per calendar quarter. If account balance falls below $5,000, dividend rate changes to Regular Savings account rate | 3.29% | $329 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificate
Up to 4.00%APY · 7 terms
Minimum certificate investment $500. Certificate dividend rates are fixed for the term of the certificate. Dividends compounded and posted quarterly. Subject to normal IRA regulations and account restrictions. Possible penalty for early withdrawal. Service 1st offers Traditional, Roth and Educational Savings Account IRAs. Funds insured up to $250,000 by the NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal | 3.75% | $186 |
| 12 monthsPenalty for early withdrawal | 4.00% | $400 |
| 18 monthsPenalty for early withdrawal | 0.90% | $135 |
| 24 monthsPenalty for early withdrawal | 1.00% | $201 |
| 36 monthsPenalty for early withdrawal | 3.00% | $927 |
| 48 monthsPenalty for early withdrawal | 2.65% | $1,103 |
| 60 monthsPenalty for early withdrawal | 2.55% | $1,342 |
Sources (2)
All captured Oct 6, 2026
Youth Certificate Accounts
0.80%APY · 1 term
minimum investment of only $25 additional deposits can be made - minimum of $25 maximum account balance of $1,000 12-month term automatically renewable with a fixed dividend rate dividends compounded and posted quarterly penalty for early withdrawal funds insured up to $250,000 by the NCUA, National Credit Union Administration
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsadditional deposits can be made - minimum of $25 maximum account balance of $1,000 penalty for early withdrawal | 0.80% | — |
Sources (1)
- service1.org/personal/savings/cds · captured Oct 6, 2026
Who can join Service 1st 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
- You are eligible for membership if you live, work, worship, attend school in, or operate a business or other legal entity located in qualified census tracts in Carbon, Columbia, Luzerne, Lycoming, Montour, Northumberland, Sullivan, Union, or Wyoming counties in PA.
Employers and groups
- You are eligible for membership if you work for one of Service 1st's Select Employee Groups.
Family and household
- You are eligible for membership if you have an immediate family member (child, spouse, sibling, parent, grandparent or grandchild) who is already a member of Service 1st.
- You are eligible for membership if an immediate family member (child, spouse, sibling, parent, grandparent or grandchild) lives, works, worships, attends school in, or operates a business or other legal entity located in qualified census tracts in designated Pennsylvania counties.
- You are eligible for membership if you have an immediate family member (child, spouse, sibling, parent, grandparent or grandchild) who works for one of Service 1st's Select Employee Groups.
Membership information collected October 5, 2026.