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Service First

3901 East 10th Street, Sioux Falls, SD 57103
NCUA Insured3.1 (58 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1934

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

Location & Directions

Address

3901 East 10th Street

Sioux Falls, SD 57103

Service Area

This credit union is located in Sioux Falls and serves members in the SD area. Currently serving 16,598 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

3.65%

Used Auto Loan

5.65%

Personal Loan

12.18%

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 SD

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

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

Branches & Locations(3 total)

Member Reviews

3.1

58 Google reviews

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

View on Google Maps
Yany Avelar-Saboe

Yany Avelar-Saboe

3 months ago

It’s almost as if they try to inconvenience their clients in every way. - Online banking terrible. You can’t even connect an external account to make payments on a loan. - If there’s an issues with your account, you better be able to visit them in person during banking hours, because for some reason they can’t verify anything over the phone. - Tried to make a payment on my dad’s credit card because I’m an authorized user and had made some purchases. However, SFFCU decided to block the payment which cost me a fine with SFFCU and a fine with the credit card company. When I called they were very unsympathetic and just said it’s policy to not allow payments for credit cards under others name, even though we even have the same last name. Would have been nice to have this mentioned at some point. I have never had this issue with any of my other banks. - “Closed” my account a couple months ago, but I’m still getting emails about my account status which lets me know it was never actually closed. I understand being a small credit union, but I bank with other local credit unions and have not had even an 1/8 of the issues I have had with SFFCU. Their processes and technology are dated and they seem to have no interest in bettering the product.

Alazar B

Alazar B

7 months ago

This is an updated review from my last one. I really appreciate Service First Federal Credit Union for reaching out after my previous review. It means a lot when a bank listens and takes action to make things right. Their follow-up showed genuine care and professionalism, and it restored my confidence in their service. Thank you for valuing your members and showing that customer care truly matters.

John Corusack

John Corusack

7 months ago

Service first FCU is so poor they can't even afford to fix the coin machine at the west side location. Now the other one at the 10th st location is also broke. They decided they weren't gonna fix the coin machine at the west side because its too "expensive". It's called not putting anything and everything into your coin machines. If the tellers cleaned the coin properly before putting it into the machine then it wouldn't brake. Ive been a teller for more then 5 years now and we have no issue with our coin machine. I come here because I've been banking at sfcu for over 10 years. Very frustrating and a huge waste of my time

Adnan Dautcehajic

Adnan Dautcehajic

6 months ago

Bad experience white this Bank,ask two times loan small amount but never have explanation way denied me?Me and my wife members for over 15 years but nobody cares! Adi

J M

J M

2 years ago

I applied for a lease buy out with a representative. I told her from the start that my debt to income ratio was higher, 48.5%, with a $400 car payment but my credit score was good. I asked if she could tell me their dti ratio criteria but they couldn't (which I knew they couldn't but thought I would ask). I also asked that if I get denied for my dti ratio if she could check with a good down payment at the 84 month term I applied for if I could qualify and she said yes, she could check. So when the application was rejected she was super nasty and short with me. She didn't even offer to see if they could get me in line for my dti with a significant down payment. She brushed me off and got me off the phone quick. She made me feel horrible, worthless. I ended up leasing through Subaru and got a mid range Forester. The process was amazing. I hate the representative at Service First CU! You should not have a job! I am also not happy that my boyfriend would even suggest such a horrible company.

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).