Re: Service CU

GhostCredit · ‎09-05-2025

Hello, does anybody bank with Service CU? I just saw their banking and I really like that they offer 2 day early DD and $15/m for fees and ftf reimbursement with no requirements. But, I also heard some horror stories as well. How have your experience been with them? Thanks.

AndySoCal · ‎09-05-2025

@GhostCredit I did some looking at customer reviews on this credit union. I see what you are talking about. There are many credit unions though offfer 2 day early direct deposit. Are looking for credit union that has branches near you? if so what state do you live.? When you look at a credit look at the coop and atm network which will give you locations nation wide that you can use fee free. With Sevice the ATM Feecmay be related due branches outside the US.

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo

GhostCredit · ‎09-06-2025

Hey man, no I'm not looking for a local branch. I live in CA, the reason is because CU is coop with many CU so I could pull money out without any fees. The only thing is when it comes to the atm fee rebates, there's so many loopholes you gotta get and service happens to make things easy. Only thing is it cost money for everything else if you look at the fees. They charge 1% if you withdraw money unfortunately outside of the US. Good thing I could zelle to my schwab or fidelity account - ach is fine too.

I've banked with Citi priority because of my dad but even then it didn't give me my atm rebate which I thought it would. Nfcu doesn't offer 2 day, but it does offer atm rebates.

AndySoCal · ‎09-06-2025

As far as I know all credit unions have a COOP network. Some credit unions have larger COOP networks that others. As for me I could not imagine a scenario where I would pay an ATM fee. Their is a 7 11 which is a block away from my whose ATM is on my cu coop network. I have only banked (checking account) with Langley and Redstone. I am a member of other credit unions but never had a checking account with them.

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo

GhostCredit · ‎09-06-2025

I understand, it's just that sometimes I'm driving and I see a boa or another bank and I don't want to have to look for a atm especially at 711. Or find a cu.

dukembams · ‎09-08-2025

I utilize Service Credit Union.

I have my direct deposit go there and all bills are paid from the account. Member service is top notch and the products are decent. I have an auto transfer into the primary share savings because it has an APY of 5.00%. Pretty darn good if you ask me.

ptatohed · ‎09-08-2025

My primis checking reimburses me any/all ATM fees with no hoops.

So does Chase but that's because of Private Client.

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

MileHigh96 · ‎09-10-2025

I have a Service CU credit card and just the required savings account, so I really don't do any regular banking with them. But as long as I've had their credit card, I've not had any issues with them.

BK7 discharged - 06JUL2021
Loans:

Revolving Accounts (in the order they were opened):

Ally Everyday Cash Back Mastercard (converted from Ollo Platinum Rewards Mastercard) $5700 CL (opened 7/21/21)

Mercury Mastercard $5060 CL (opened 7/23/21)

Upgrade Triple Cash Rewards Visa Card $17,500 LOC (opened 8/4/21)

PenFed Pathfinder Rewards $6000 CL (opened 11/9/21)

Dell Pay Credit (converted from Dell Financial Services account) $6500 CL (opened 12/6/21)

Capital One Kohls Visa (converted from Kohls store card) $4050 CL (opened 12/13/21)

Upgrade Cash Rewards Visa Card $7,000 LOC (opened 3/17/22)

Capital One Quicksilver MC (PC'd from a Platinum card) $3200 CL (opened 5/6/22)

Capital One Savor One MC $5000 CL (opened 10/20/22)

Merrick Bank Double Your Line MC $2500 CL (opened 11/1/22)

NFCU cashRewards Plus $36000 CL (opened 3/17/23)

Affinity FCU Pure Rewards Visa $1500 CL (opened 5/18/23)

Bread Cashback AmEx $15000 CL (opened 5/23/23)

Canvas Select MC $3000 CL (opened 5/25/23)

NFCU Go Rewards Visa $27000 CL (opened 6/16/23)

Petco Pay Mastercard $5100 CL (opened 6/29/23)

Barclays GM Rewards Mastercard (converted from GS My GM Rewards Card Mastercard) $5500 CL (opened 8/1/23)

Denver Broncos Extra Point Visa $11000 CL (opened 12/8/23)

NFCU More Rewards AmEx $17000 CL (opened 2/8/24)

Ally Unlimited Cash Back Mastercard $3000 CL (opened 4/3/24)

Service Credit Union Everyday Visa $2500 CL (opened 8/19/24)

BECU Cash Back Visa $16000 CL (opened 8/21/24)

Best Buy Platinum Visa $4000 CL (opened 10/17/25)

Liberty FCU Platinum Credit Rewards Mastercard $12000 CL (opened 11/5/25)

Capital One T-Mobile Visa $15000 CL (opened 11/7/25)

Lands' End Visa $5300 CL (opened 11/13/25)

Associated Bank Max Cash Preferred Visa $500 CL (opened 11/17/25)

Affinity FCU Cash Rewards Visa $7500 CL (opened 11/18/25)

Closed accounts:

Mission Lane Visa - first starter card after discharge (opened 7/7/21 - closed 4/1/23)

Capital One Quicksilver MC (downgraded from a Walmart Rewards MC and transfered CL to older QS card) (opened 11/4/22 - closed 04/09/25)

Best Egg Visa (opened 05/17/22 - closed 04/14/25)

6/6, 6/12, 11/24 new accounts
TCL: $219.4K

GhostCredit · ‎09-10-2025

@dukembams wrote:
I utilize Service Credit Union.

I have my direct deposit go there and all bills are paid from the account. Member service is top notch and the products are decent. I have an auto transfer into the primary share savings because it has an APY of 5.00%. Pretty darn good if you ask me.

Yeah they're competitive when it comes to mortgage rates too. So far u like it, better than nfcu lol...

dukembams · ‎09-10-2025

So far, I do like them more than NFCU. I think the products are great but I also like that they participate in the Co-Op Shared Branching. With no branches near me, it is essential for everyday use because I still get cashiers checks to pay some local bills.

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