Credit union · NCUA insured
Service One Credit Union
A $270.8M credit union headquartered in Bowling Green, KY, with 17,671 members and 6 branches in Kentucky. Best rates: CDs 3.30% and savings 0.50% APY.
Service One Credit Union Carrot Score
80
Carrot Score
Higher than 51% of U.S. banks and credit unions
#6 of 12 in Bowling Green, KY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Service One Credit Union
Founded in 1963 in Bowling Green, Kentucky, Service One Credit Union is a member-owned financial institution.
It is a Community Development Financial Institution serving South Central and Western Kentucky.
- Headquarters
- 1609 Campbell Ln, Bowling Green, KY 42104
- NCUA charter
- 62484
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, volunteer, or attend school in the Barren River Development District (BRADD) or Pennyrile Area Development District (PADD) areas of South Central and Western Kentucky.
Employers and groups
- Directors, employees, volunteers, retirees, and members of businesses, associations, and other legal entities located within the BRADD or PADD.
Family and household
- Members of the immediate family or household of any qualifying membership group.
- Spouses of persons who passed away while within the field of membership of the Credit Union.
Other ways
- Current Service One Credit Union members.
Branches
6 branches in Kentucky
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Kentucky
6 branches
Bowling Green area · 3
- Campbell Ln OfficeMain office1609 Campbell Ln, Bowling Green, KY 42104Directions
- ByPass Office103 State Street, Bowling Green, KY 42101Directions
- Scottsville Office361 Old Gallatin Rd, Scottsville, KY 42164Directions
Glasgow area · 1
- Glasgow Office116 Ensminger Dr, Glasgow, KY 42141Directions
Clarksville area · 1
- Hopkinsville Office120 Griffin Bell Dr, Hopkinsville, KY 42240Directions
Russellville area · 1
- Russellville540 E 4th St, Russellville, KY 42276Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.51% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.40% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.41% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $84 | $76 | — |
- CapitalNet worth ratio9.51%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.40%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.41%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$84Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Service One Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.