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Service One

PO Box 51770, Bowling Green, KY 42102
NCUA Insured4.4 (164 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1963

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 51770

Bowling Green, KY 42102

Service Area

This credit union is located in Bowling Green and serves members in the KY area. Currently serving 17,442 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

2.99%

Used Auto Loan

6.34%

Personal Loan

5.99%

Credit Card APR

12.50%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in KY

Lowest rates currently reported by credit unions in KY (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(6 total)

Member Reviews

4.4

164 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Summer Russell

Summer Russell

4 months ago

I had the pleasure of speaking with Cindy at Service One Credit Union, and I cannot say enough good things about her. She was incredibly kind, patient, and understanding while helping me with a very delicate situation. Cindy truly went above and beyond to assist me, and her willingness to make accommodations lifted an enormous amount of stress off my shoulders. Her professionalism, compassion, and genuine desire to help did not go unnoticed. I am extremely grateful for her support and outstanding service.

Ricky Cook

Ricky Cook

5 months ago

Service One Credit Union are so easy to work with. My wife & I have been with them now for almost 2 years. We've transferred car loans, savings accounts, & a checking account over. They are always so friendly, professional, & so quick to answer any questions we may have. Tara Ford in the Russellville brand has been a lifesaver helping us get out of debt & better ourselves. We highly recommend if you are looking for a new bank that you give SOCU a try. You won't be disappointed!

theresa barks

theresa barks

8 months ago

I love this place so many amazing people but one young lady. McKenzie was very disrespectful and I tried to explain she got rude which caused me to raise my voice then I told her not to do anything with my account till I talk the the lady April to close out my loan she just got more rude and hung up on me. But to April and the others absolutely amazing so kind and very knowledgeable on all things. I am half way thinking going to the office and speak to this girl face to face. She just needs to know you can’t treat people disrespectful as she did me. Not everyone will be as nice as me. Amazing company. Love them McKinsey just needs more training or find another jog but not one on one with people. So don’t judge the whole place by my one star rating. God bless

Ronald Gager

Ronald Gager

10 months ago

Had a great loan experience. Karen was great! She handled my car loan with ease answering all questions. Would definitely recommend Service One in Hopkinsville.

Kacie Charest

Kacie Charest

11 months ago

While visiting my sister in Kentucky (I work at my local Credit Union in Vermont), we stopped by the drive-through to make a quick deposit—and I’m so glad we did! Katelynn Pierce helped us, and she was absolutely fantastic. In just a few minutes, she turned a simple errand into a genuinely enjoyable experience. She was friendly, upbeat, and incredibly personable—chatting with us like we were longtime friends. Her positive energy was infectious, and it left such a great impression. It’s clear she cares about the people she helps. Credit unions thrive because of people like Katelynn—she’s a gem!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).