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Savings Accounts From Service Credit Union

Build Your Nest Egg, From Youth to Retirement

Find the Right Savings Account for You

No matter where you are in your financial journey, we offer a range of savings options to help you grow your money with confidence. Compare your options below and find the perfect fit.

Primary Savings

The first step to joining Service Credit Union. Become a member with just a $5 deposit, and earn 5% APY on your first $500 and .25% APY on all funds over $500.*

Holiday Savings Club

Save year-round to make holiday shopping stress-free.

Share Certificates

Share certificates are powerful savings tools that allow you to save for any goal, with higher returns than regular savings accounts and the security of a locked-in rate.

Find the Perfect Savings Account for You

Start saving smarter today. Choose an account that works for your goals.

The Service CU Difference

As a member-owned institution, we put your financial goals first, with lower fees, better rates, and personalized benefits.
Higher Dividend Rates

Higher Dividend Rates

Member-first dividend rates that work hard for your savings.
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Member-First Service

Member-First Service

Enjoy clear, transparent service with no hidden fees. Your financial wellness is our priority.
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Personalized Savings

Personalized Savings

Customized savings solutions designed to meet your needs at every life stage.
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What Our Members Are Saying

Testimonial_F2
I am in the process of relocating to NH and found Service CU. I couldn't be happier with the ease of opening my accounts with them along with the multitude of services they have available for any financial needs that I may need.

Army Mama

Savings Account FAQs

What’s the minimum deposit to open an account?
Primary Savings (PSA) requires a $5 minimum to open. Other savings accounts may have different or no minimums. See each account’s details.
Can I open more than one savings account?
You may have one Primary Savings Account and one Holiday Club per membership. You can open multiple Club Savings accounts to organize different goals.
How do I earn dividends on my savings?
Your savings earn dividends based on the account type and balance.
Check our current rates for details. 
Is my money safe with Service Credit Union?
Absolutely. Your deposits are federally insured up to $250,000.
Can I access my savings anytime?
Yes! Most accounts allow flexible withdrawals.
How do I open an account?

It’s easy—apply online or visit a branch today!

Get Started
*Warriors deployed in combat zones may deposit up to $10,000 into a Service CU Deployed Warrior Savings Account which earns 10% APY (Annual Percentage Yield) up to $10,000.00. If actual daily balance exceeds $10,000, the remaining balance will receive variable APY of 10%-0.10%. Rates are variable and subject to change; accurate as of 02/25/2025. Service member must be serving in a combat zone as defined by Service CU; orders of deployment to a combat zone must be provided. Direct deposit of net pay is required into members Service CU account. No minimum balance is required to open the Deployed Warrior Savings Account; $5 deposit is required to open a Primary Savings Account. Monthly deposits into a Deployed Warriors Savings Account cannot exceed the amount of your monthly net military pay; however, deposits into the Deployed Warrior Savings Account may be direct deposit, an allotment, or a transfer of funds from a Service CU account. Withdrawals are not permitted from a Deployed Warrior Savings Account. If a withdrawal is made from the Deployed Warrior Savings Account before the redeployment date plus 120 days, the funds in the Deployed Warrior Savings Account will be transferred to the Primary Savings Account, and the Deployed Warrior Savings Account will be closed. The Deployed Warrior Savings Account will stop accruing 10% APY at the end of the month of return date per deployment orders plus 120 days. eCommunications is required.

**Annual Percentage Yield (APY) is accurate as the last dividend declaration date of 02/25/2025 and subject to change without notice. Dividends paid on daily balances of $3,000 and less at 3% APY. If daily balance exceeds $3,000, the remaining balance will receive a variable APY of 3.00%-0.26%. On the first day in November, funds are disbursed via transfer to a Service CU account of your choosing at time of account opening. One Holiday Club account allowed per tax reporting owner. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. 

***ATM surcharge fees and foreign transaction fees will be rebated up to $15 a month for the Direct Deposit Checking Account tier and up to $30 a month for the Direct Deposit+ Checking Account tier. Excludes Basic Checking Account tier. Rebates will be applied to account on the first business day of the following monthly cycle that the rebate eligibility requirements were met. ATM surcharge fee rebates would apply to fees imposed by non-network ATM owners/operators.