Credit union · NCUA insured
Service First FCU Savings Rates
Service First FCU’s best savings rate is 1.00% APY on $10,000, with its Premier Money Market. Rates checked October 22, 2026.
How Service First FCU’s savings rates compare
Compared with banks and credit unions near Sioux Falls, SD-MN, where Service First FCU has the most branches. $10,000, best rate first.
This credit union’s best
Service First FCU
1.00%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $100
Premier Money Market
Top rate
ONE AMERICAN BANK
3.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $300
2nd-highest rate
Citi
3.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $300
Service First FCU savings score
85
Savings score
Higher than 71% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $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 First FCU 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.
Premier Money Market
1.00%APY
$1,000 minimum withdrawal with a limit of 3 withdrawals per month. Dividends paid monthly. Insured up to $250,000.00 by the NCUA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.50% | — |
| $5,000 – $10,000 | 0.75% | — |
| $10,000 – $25,000 | 1.00% | $100 |
| $25,000 – $50,000 | 1.25% | — |
| $50,000 – $100,000 | 1.75% | — |
| $100,000 and up | 2.00% | — |
Sources (2)
All captured Sep 19, 2026
FIMMA – First Insured Money Market Account
0.50%APY
Limit 3 withdrawals per month. Each withdrawal and deposit must be $250 or more. Dividends paid monthly. Insured up to $250,000.00 by the NCUA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.25% | — |
| $1,000 and up | 0.50% | $50 |
Sources (2)
All captured Sep 19, 2026
Share Savings Account
0.05%APY
Fees may reduce earnings on the account. Deposit of $5 required to become a member/owner.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFees may reduce earnings on the account. Deposit of $5 required to become a member/owner.Any balance | 0.05% | $5 | Fees may reduce earnings on the account. Deposit of $5 required to become a member/owner. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRAs
0.07%APY
Offers Traditional and Roth IRA options.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.05% | — |
| $5,000 – $20,000 | 0.07% | $7 |
| $20,000 and up | 0.10% | — |
Sources (2)
All captured Oct 4, 2026
Who can join Service First FCU
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, worship, or attend school in 43 specified counties across South Dakota, Iowa, Minnesota, and Nebraska.
Membership information collected October 4, 2026.