Service 1

P.O Box 810, Muskegon, MI 49443

NCUA Insured4.2 (81 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1940

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

Membership Eligibility

Membership is limited to members of a specific organization, church, union, or association. Contact the credit union to find out which groups qualify.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1940

Low-Income Designated

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

P.O Box 810

Muskegon, MI 49443

Google Maps 🗺Waze

(231) 739-5068

Service Area

This credit union is located in Muskegon and serves members in the MI area. Currently serving 21,559 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

5.81%

Used Auto Loan

6.63%

Personal Loan

11.43%

Credit Card APR

9.90%

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 MI

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

Michigan Legacy— New Auto Loan

Wyandotte, MI

2.19%

Awakon— Used Auto Loan

Onaway, MI

3.99%

International Uaw— Personal Loan

Detroit, MI

5.50%

Circle— Credit Card APR

Niles, MI

4.80%

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

Branches & Locations(5 total)

Member Reviews

4.2

81 Google reviews

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

View on Google Maps

Jake Allison

6 months ago

Just completed my second auto loan with Service 1 FCU in Neosho, Mo. Absolutely the best place, and people to deal with. They are there to help you make a wise, and educated decision. If no hassle fast financing is what you are looking for. Then this is your spot, and Susana is your girl!

Joshua Elema

2 years ago

Well to start of I was trying to get a loan from my tesla start working with Amber at service one long story short she got replaced at a different location! The new lady was so rude and horrible gave me no time of the day!! Then instead of giving up I went to the other location to find Amber Russell she was so amazing got me the loan I wanted and a better rate than I even expected! I very grateful that she was there and company need to recognize people like Amber Russell beyond awesome! She deserves a raise or some kinda if reward for the hard work she does! The only reason i got my loan from service one is because of her💯💯

Jessica Rogers

a year ago

OMG I have not been able to sit down after receiving help and assistance from Service 1. My loan officer Ashtyn is nothing short from AMAZING 🙌🏾. She stayed in touch with me on my journey to finding a new vehicle for me and my girls… she was always just a phone call away with anything I needed help with and very understanding… this has truly been the Best Experience of a lifetime and I am so grateful for her and her Team at Service 1.. I highly recommend them… this has been a dream come true for me and I am very thankful to continue working with them. Thanks Ashtyn 🥰 you are Awesome 🫶🏽🙌🏾.

TodaysBEST

11 months ago

Best loan experience ever! Julie @ Service 1 FCU Shell, Knob truly knows the process and made it so smooth. She is so kind and knowledgeable about all things banking. Stop in and enjoy some popcorn and the wonderful staff. Congratulations to them all for making this a great day!