Credit union · NCUA insured
Service Credit Union Savings Rates
Top CarrotService Credit Union’s best savings rate is 0.55% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Service Credit Union’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where Service Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Service Credit Union
0.55%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $55
Money Market Account
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Service Credit Union savings score
98
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,00010.00%
- $10,000 balance$10,00010.00%
- $100,000 balance$100,0002.50%
- QualifiedQualified10.00%
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 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.
Deployed Warrior Savings
10.00%APY on $10,000
Available to active-duty service members, reserve, and guard members deployed and serving in a combat zone as defined by Service CU; orders of deployment must be provided. Direct deposit of net pay into member's Service CU account is required. No minimum balance to open, but $5 deposit required to open Primary Savings. Monthly deposits cannot exceed monthly net military pay. Deposits may be via direct deposit, allotment, or internal transfer. Withdrawals not permitted prior to redeployment date plus 120 days (early withdrawal results in account closure and transfer of funds to Primary Savings). Accrues 10% APY until the end of the month of return date plus 120 days. eCommunications is required.
| Part of the balance | Rate on that part |
|---|---|
| Up to $10,000 | 9.57% |
| Over $10,000 | 0.10% |
On $10,000 the tiers blend to about 10.00% APY, earning $1,000 a year.
Sources (3)
- servicecu.org/savings/military
- servicecu.org/rates
- servicecu.org/docs/default-sou…ee-and-rate-schedule.pdf
All captured Oct 15, 2026
Service+ Savings
3.50%APY on $10,000
Only one Service+ Savings account may be established under a primary member social security number. Must maintain qualifying direct deposit (electronic transfer of funds from outside sources, online/mobile check deposits, or P2P payments like Zelle totaling at least $500 in a calendar month) into a checking account under the same membership profile, maintain par value share in primary savings, and have no charged-off share or loan accounts. Without qualifying direct deposit, the entire balance receives 0.25% APY / 0.250% dividend rate.
| Part of the balance | Rate on that part |
|---|---|
| Up to $25,000 | 3.45% |
| Over $25,000 | 0.25% |
On $10,000 the tiers blend to about 3.50% APY, earning $350 a year.
Sources (3)
- servicecu.org/savings/serviceplus
- servicecu.org/rates
- servicecu.org/docs/default-sou…ee-and-rate-schedule.pdf
All captured Oct 15, 2026
Money Market Account
0.55%APY
Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. If at any time during the month the money market daily balance drops below $2,500.00, a fee of $5 will be assessed. Fees could reduce the earnings on the account. Variable rates subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Tier 1. Minimum balance to earn dividends is $2,500.00. Variable APY. A $5 fee is assessed if daily balance drops below $2,500.00. | 0.55% | $55 | Tier 1. Minimum balance to earn dividends is $2,500.00. Variable APY. A $5 fee is assessed if daily balance drops below $2,500.00. |
| $25,000 – $100,000Tier 2. Variable APY. A $5 fee is assessed if daily balance drops below $2,500.00. | 0.70% | — | Tier 2. Variable APY. A $5 fee is assessed if daily balance drops below $2,500.00. |
| $100,000 and upTier 3. Variable APY. A $5 fee is assessed if daily balance drops below $2,500.00. | 2.50% | — | Tier 3. Variable APY. A $5 fee is assessed if daily balance drops below $2,500.00. |
Sources (3)
- servicecu.org/savings/money-market
- servicecu.org/rates
- servicecu.org/docs/default-sou…ee-and-rate-schedule.pdf
All captured Oct 22, 2026
Primary Savings
0.49%APY on $10,000
Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
| Part of the balance | Rate on that part |
|---|---|
| Up to $500 | 4.89% |
| Over $500 | 0.25% |
On $10,000 the tiers blend to about 0.49% APY, earning $49 a year.
Sources (3)
- servicecu.org/savings/primary
- servicecu.org/rates
- servicecu.org/docs/default-sou…ee-and-rate-schedule.pdf
All captured Oct 15, 2026
Special-purpose accounts
IRA and ROTH IRA Accounts
0.60%APY
Applies to Traditional IRA, ROTH IRA, and Coverdell ESA savings accounts. Minimum deposit of $50 required. Penalty for early withdrawal. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum average daily balance of $50.00 required to obtain APY.$50 and up | 0.60% | $60 | Minimum average daily balance of $50.00 required to obtain APY. |
Sources (2)
All captured Oct 15, 2026
Club Savings
0.25%APY
No minimum deposit required to open. $50 minimum average daily balance required to earn APY. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends calculated based on daily balance method and credited on the last day of each month.$50 and up | 0.25% | $25 | Dividends calculated based on daily balance method and credited on the last day of each month. |
Sources (2)
All captured Oct 15, 2026
Closed to new customers
Holiday Club
0.25%APY
New accounts cannot be opened.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $3,000 | 3.00% | — | |
| Over $3,000Balances over $3,000 earn 3.00% - 0.25% APY. | 0.25% | $25 | Balances over $3,000 earn 3.00% - 0.25% APY. |
Sources (1)
- servicecu.org/docs/default-sou…ee-and-rate-schedule.pdf · captured Oct 15, 2026
Who can join Service Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members of the American Consumer Council.
- Membership is open to members of the Financial Fitness Association.
- Membership is open to employees and members of participating Workplace Partners (SEGs).
Military, government and schools
- Membership is open to current and former Department of Defense employees and their families.
- Membership is open to active duty military members, veterans, and their families.
Cost to join
- A $5 share deposit is required to establish membership.
Membership information collected October 4, 2026.