Credit union · NCUA insured
Service 1st Federal Credit Union Savings Rates
Service 1st Federal Credit Union’s best savings rate is 0.40% APY on $10,000, with its Standard Money Market Account. Rates checked October 16, 2026.
How Service 1st Federal Credit Union’s savings 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
0.40%APY
- Minimum
- —
- Earns on $10,000 a year
- $40
Standard Money Market Account
Top rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Central Keystone FCU
3.05%APY
- Minimum
- —
- Earns on $10,000 a year
- $305
Service 1st Federal Credit Union savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.40%
- QualifiedQualified0.40%
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 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.
Platinum Money Market Account
1.40%APY
Requires an opening balance of $100,000. Variable rate. No fees as long as you maintain a minimum daily balance of $100,000 and do not exceed six withdrawals per month (only three by check). If balance falls below required amount, a service fee is assessed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100,000 and upBalances of $100,000 or more.$100,000 and up | 1.40% | — | Balances of $100,000 or more. |
Sources (1)
- service1.org/personal/savings/…um-money-market-accounts · captured Oct 6, 2026
Premium Money Market Account
0.85%APY
Requires an opening balance of $25,000. Variable rate. No fees as long as you maintain a minimum daily balance of $25,000 and do not exceed six withdrawals per month (only three by check). If balance falls below required amount, a service fee is assessed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 and upBalances of $25,000 or more.$25,000 and up | 0.85% | — | Balances of $25,000 or more. |
Sources (1)
- service1.org/personal/savings/…um-money-market-accounts · captured Oct 6, 2026
Standard Money Market Account
0.40%APY
Rates are adjusted at regular intervals. No fees as long as you maintain a minimum daily balance of $2,500 and do not exceed six withdrawals per month (only three by check). If balance falls below $2,500, a service fee will be assessed. If withdrawal limitations are exceeded, account may be subject to a fee or be closed. Dividends compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $4,999Tier $2,500-$4,999. Minimum balance to earn stated APY is $2,500.00. | 0.35% | — | Tier $2,500-$4,999. Minimum balance to earn stated APY is $2,500.00. |
| $5,000 – $19,999Tier $5,000-$19,999. Minimum balance to earn stated APY is $5,000.00. | 0.40% | $40 | Tier $5,000-$19,999. Minimum balance to earn stated APY is $5,000.00. |
| $20,000 – $49,999Tier $20,000-$49,999. Minimum balance to earn stated APY is $20,000.00. | 0.45% | — | Tier $20,000-$49,999. Minimum balance to earn stated APY is $20,000.00. |
| $50,000 – $99,999Tier $50,000-$99,999. Minimum balance to earn stated APY is $50,000.00. | 0.50% | — | Tier $50,000-$99,999. Minimum balance to earn stated APY is $50,000.00. |
Sources (1)
- service1.org/personal/savings/money-market-account · captured Oct 6, 2026
Savings
0.25%APY
Requires $5 opening deposit and a one-time $1 membership fee charged at account opening. $5 must remain on deposit to maintain membership in the credit union.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upEarnings are calculated from date of deposit to date of withdrawal and posted quarterly.$5 and up | 0.25% | $25 | Earnings are calculated from date of deposit to date of withdrawal and posted quarterly. |
Special-purpose accounts
Health Savings Account
1.00%APY
Designed for individuals enrolled in a high-deductible health plan (HDHP). No minimum balance, no monthly service charge, and no per-check charge.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $2,500 | 0.50% | — |
| $2,500 – $5,000 | 0.75% | — |
| $5,000 – $15,000 | 1.00% | $100 |
| $15,000 and up | 1.25% | — |
Sources (2)
All captured Oct 6, 2026
IRA Savings
0.45%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.45% | $45 |
Sources (1)
- service1.org/personal/checking · captured Oct 6, 2026
Christmas Club
0.20%APY
$10 charge for early withdrawals or closure. Funds automatically transferred to designated checking or savings account on October 1. Direct deposit/payroll deduction clubs automatically renew each year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Vacation Club
0.20%APY
$10 charge for early withdrawals or closure. Funds automatically transferred to designated checking or savings account on April 1. Direct deposit/payroll deduction clubs automatically renew each year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
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.