Credit union · NCUA insured
Service One Credit Union Savings Rates
Service One Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Service One Credit Union’s savings rates compare
Compared with banks and credit unions near Bowling Green, KY, where Service One Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Service One Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market
Top rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
2nd-highest rate
Morgantown Bank & Trust
2.16%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $216
Service One Credit Union savings score
80
Savings score
Higher than 51% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.50%
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 One 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.
Premium Money Market
0.25%APY
In order to obtain the disclosed annual percentage yield, must maintain a minimum balance of $0.01. Dividends calculated by the daily balance method applying a daily periodic rate to the entire principal balance. Limit of six withdrawals or transfers per calendar month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Rates may change after account is opened. Tiered variable interest rate. Minimum balance to obtain APY is $0.01. Daily balance method applies rate to entire principal balance. | 0.25% | $25 | Rates may change after account is opened. Tiered variable interest rate. Minimum balance to obtain APY is $0.01. Daily balance method applies rate to entire principal balance. |
| $100,000 – $250,000Rates may change after account is opened. Tiered variable interest rate. Minimum balance to obtain APY is $0.01. Daily balance method applies rate to entire principal balance. | 1.50% | — | Rates may change after account is opened. Tiered variable interest rate. Minimum balance to obtain APY is $0.01. Daily balance method applies rate to entire principal balance. |
| $250,000 – $400,000Rates may change after account is opened. Tiered variable interest rate. Minimum balance to obtain APY is $0.01. Daily balance method applies rate to entire principal balance. | 3.00% | — | Rates may change after account is opened. Tiered variable interest rate. Minimum balance to obtain APY is $0.01. Daily balance method applies rate to entire principal balance. |
| $400,000 and upRates may change after account is opened. Tiered variable interest rate. Minimum balance to obtain APY is $0.01. Daily balance method applies rate to entire principal balance. | 4.00% | — | Rates may change after account is opened. Tiered variable interest rate. Minimum balance to obtain APY is $0.01. Daily balance method applies rate to entire principal balance. |
Money Market
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Rates may change after account is opened. A penalty may be imposed for early withdrawals. | 0.50% | $50 | Rates may change after account is opened. A penalty may be imposed for early withdrawals. |
| $25,000 – $100,000Rates may change after account is opened. A penalty may be imposed for early withdrawals. | 0.75% | — | Rates may change after account is opened. A penalty may be imposed for early withdrawals. |
| $100,000 – $250,000Rates may change after account is opened. A penalty may be imposed for early withdrawals. | 1.00% | — | Rates may change after account is opened. A penalty may be imposed for early withdrawals. |
| $250,000 and upRates may change after account is opened. A penalty may be imposed for early withdrawals. | 1.25% | — | Rates may change after account is opened. A penalty may be imposed for early withdrawals. |
Sources (1)
- socu.com/investment-rates · captured Oct 5, 2026
Member Savings
0.11%APY
Foundation of membership (also referred to as Basic Savings). Rates may change after account is opened. A penalty may be imposed for early withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.11% | $11 |
Sources (3)
All captured Oct 22, 2026
Special Savings
0.05%APY
Save for budget breakers such as vacation, wedding, or auto expenses. Rates are variable and may change after account is opened.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.05% | $5 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Savings
0.20%APY
Includes Traditional IRA, Roth IRA, and Coverdell Education Savings. Rates may change after account is opened. All deposited funds earn the rate for the tier.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.15% | — |
| $10,000 – $50,000 | 0.20% | $20 |
| $50,000 – $99,000 | 0.25% | — |
| $99,000 and up | 0.30% | — |
Sources (2)
All captured Oct 22, 2026
Young Savers Account
0.11%APY
For members aged 17 and under. Requires child's birth certificate and social security card. No monthly maintenance fees. Rates may change after account is opened. A penalty may be imposed for early withdrawals. In-branch opening promotion between July 15 and October 15, 2026 offers a free Super Saver Kit with $5 initial deposit while supplies last.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.11% | $11 |
Holiday Club
0.05%APY
Save for holiday gifts. Rates may change after account is opened. A penalty may be imposed for early withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.05% | $5 |
Sources (3)
All captured Oct 22, 2026
Who can join Service One Credit Union
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.
Membership information collected October 4, 2026.