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Welcome to Service 1 Federal Credit Union!

Enriching lives by providing a quality member experience for current and future generations. Protecting our members’ interest and creating positive change within lives and communities.

Service 1 Federal Credit Union is a not-for-profit financial cooperative, which is owned and directed by its members. The members of the credit union pool their financial resources in order to help each other. Each member has a say in the credit union decisions. All profits earned are returned to our members in the form of fewer fees and better rates. At Service 1 Federal Credit Union we can set up the accounts you need, with federal insurance for complete peace of mind. 

We offer a full line of personal financial services such as savings and free rewards checking accounts, car loans, home mortgage loans (Michigan and Alabama), vacation and personal loans, Visa® credit cards, online banking with free online bill pay, text and mobile banking, certificates of deposit, Christmas Club accounts, and much more.

Service 1 FCU is involved in a variety of activities that benefit the communities around us. We support and are engaged in assisting the United Way, the American Cancer Society/Relay for Life, the Muskegon Rescue Mission and Love INC, the Shell Knob Alliance of Churches Food Pantry, the Central Crossing Senior Center in Shell Knob, Feeding the Gulf Coast, Restoration Life Center, Kid’s Food Basket, the Child Abuse Council of Muskegon County, and various other charitable organizations in our communities.


Find out how to become a member today. Once you join, membership at Service 1 Federal Credit Union lasts a lifetime.


The Service 1 FCU mission is “Member Driven. Community Focused.” This stated purpose is a beacon that brings together employees and a diversity of goals and guides them all towards the achievement of those goals.


Service 1 Federal Credit Union is a member-owned financial institution whose purpose is to promote the financial well-being of its members by providing comprehensive and progressive financial services with a personal touch.

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