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explore
a new
financial
partner
credit union benefits guide
Service 1st | Friends you can bank on.
Your organization or employer has partnered with Service 1st Federal Credit Union.
As you read through this packet you will discover the benefits of becoming a
Service 1st member.
Although we have many of the same services you’d find at a bank, we posses the
credit union difference, which means we are member focused, not profit driven.
We invite you to stop by one of our branch locations and discover what it’s like
to be a member, not a number.
What you’ll find inside:
about service 1st
the credit union difference
checking & savings accounts
loans & lines of credit
youth services
retirement & investment center
other services
become a member
locations
Still can’t find what you’re looking for?
For more information about any of our products or services, give us a call at 800.562.6049 or visit www.service1.org
hi!
we’re going to be great friends.
about us
Service 1st began in Danville, Pennsylvania in 1975 when a group of employees from the Geisinger
Medical Center identified a need for credit union services and rallied the support and involvement of their
colleagues to form a credit union. At this early start, the credit union was called Geisinger Employees
Federal Credit Union. Run by a volunteer staff, these individuals spread the word of the credit union
movement among their peers and opened accounts at a table in the hospital cafeteria.
Over time, the credit union grew and offices were established in areas outside of Danville. The credit union
expanded its membership base by offering services to other employers throughout the Susquehanna
Valley. In the mid 90’s, the credit union changed its name to better reflect the business that had developed.
We became, Service 1st Federal Credit Union.
As Service1st continued to grow in Montour County, branch locations were opened in Luzerne, Union,
Snyder and Lycoming counties. These branch locations offer members access to Service 1st across
Central and Northeastern Pennsylvania. Service 1st now serves nearly 20,000 members and partners with
over 1,000 employer groups and organizations across the region to provide affordable financial services.
Our promise to our membership:
To offer a lifetime of financial services to meet your changing
needs: fostering a relationship of trust, dignity and respect.
In the world of
banking, there are
many different
‘breeds’
From corporate banks, regional
banks, savings and loan institutions,
to credit unions and more!
Here are reasons why you
can feel good about joining
the credit union pack :
“You won’t end up in the dog house.” “We don’t bite the hand that feeds us.”
We promise to be honest with you. We make Once you’ve joined our pack, you’re one of us. With just
decisions that are in your best interest, not ours. a $1.00 membership fee and a $5.00 minimum share
We’re careful to not overextend you, keeping your deposit, you can open your account and have ownership
financial position healthy and strong. Trust us and in the credit union, and as one of our owners, we will
you won’t end up in the dog house. be sure to not bite the hand that feeds us.
“We’ll throw you a bone” “We can sit, speak and bark!”
Credit Unions are about people helping people. Don’t believe what some may tell you that we are a one
And in the crazy world we live in today, we act show. We have a full line of financial products and
understand that many have hit rough patches in services to meet your changing needs. From savings and
life. The good news is, we value your relationship investments to loans, mortgages and business services.
with us just as much as the value of your credit We’ve got you covered from cold-wet-nose to wagging tail.
score. So treat us right and we’ll do our best to “We are always happy to see you.”
throw you a bone and lend you a hand.
No matter where you’ve come from or how long you’ve
the credit union difference been gone, we’re always happy to see you. We’re a friend
that you can rely on to always be here, anxiously awaiting
Member Owned: Each member has equal your arrival back home to us.
ownership and one vote.
Volunteer Oriented: Volunteers exemplify Not-For-Profit Cooperative Financial Institution:
our philosophy of “People Helping People.” Credit unions exist to serve members, not to make a profit.
Social Purpose of People Helping People: Education Oriented: Credit Unions continually provide
Serve all members, including those of their members with valuable financial information,
modest means. assisting them to become better-educated consumers.
checking & savings accounts
managing your money doesn’t have to be ruff
checking account:
Checking Account with Overdraft Protection
Never overdraw your account again!
VISA® Check Card with ScoreCard Rewards
Allpoint and CU$ Networks of Surcharge-Free ATMs
Over 43,000 Surcharge-Free ATMs worldwide!
No minimum balance
No monthly service charges
Unlimited check writing privileges
Free Direct Deposit and Payroll Deduction
savings accounts:
Basic Savings Account
Just $5 to open
Youth Savings Account
Health Savings Account (HSA)
Money Market Account ScoreCard Rewards
Starting at $2,500
Premium Money Market Account Can be combined with points
$25,000 minimum balance earned from your Service 1st
Individual Retirement Account (IRA) VISA® Credit Card
Education Savings Account (ESA) Rewards range from home
appliances to video games...
Christmas and Vacation Club Accounts
even travel discounts!
Share Certificate Accounts
Redeem your points with items
Secure savings option with higher returns
from name brand manufacturers
loans & lines of credit
get money for the things you need
loans and lines of credit:
Mortgages
flexible terms, low down payment
Home Equity Loan
flexible terms, low rates
Home Equity Line of Credit
get ongoing access to your equity
VISA® Platinum Credit Card with ScoreCard Rewards
no annual fee, hidden charges or balance transfer fees
Personal Line of Credit
Personal Loan
Auto Loans with On-the-Spot Dealer Financing
Motorcycle Loan
Boat Loan
Recreational Vehicle Loan
Visit www.curealty.com to:
Search for a home in the MLS system
Evaluate your home’s worth
Get tips on preparing your home for sale
Save money. Save time. Save the hassle. Research demographics on neighborhoods
Buy or sell a home with Service 1st using a realtor Compare school districts
from the CU Realty network and get cash back
View maps of the area
or a rebate at closing!
youth services
with our variety of youth accounts, we teach your
children to spend, save and borrow money wisely
my money | my start
designed for early childhood
At Service 1st, we believe that good
financial habits start young. We have
products tailored for young children,
as well as parents of young children,
to get you started early on the path to
a prosperous financial future.
my money | my choice
designed for tweens and young adults
As kids grow into teenagers, their
financial needs change. We have
products specifically designed with my money | my life
teens in mind that offer real-life financial designed for young adults and recent grads
management with the guidance and We’ve got just the tools you need as you begin your adult life.
support needed to ensure their financial Whether you’re headed off to college or already employed and
decisions are in their best interest. starting a family, we’ll guide you as you take this next step.
what is your child ready for?
Every child grows at his or her own pace.
This chart offers suggestions on how to help my my my youth account benefits:
you plan your child’s financial education.
start choic e life Special Account ID Card;
Savings Account Birthday Card and Gift
Coverdell Educational Savings Account (ages 0-13);
Low Minimum Balance Share Certificate*
Online Games and Resources;
Starter Checking Account with VISA® Check Card
Service 1st@Home Online Banking;
Small Personal Loan**
Starter (Credit Builder) Credit Card***
-Free Bill Payer Service
VISA® Platinum Credit Card -iCLICK Remote Deposit
Auto Loan Mobile Banking;
Private Student Loan Shared Branching.
*Minimum deposit $25. Unlimited additional deposits can be made in increments of $25 with a maximum amount
of $1,000. 12-month term. Automatically renewable with a fixed dividend rate. Dividends compounded and posted
quarterly. Penalty for early withdrawal.
**Minimum loan amount is $250. Maximum loan amount is $500. Maximum term is 12 months. Parent/Guardian must cosign.
APR (Annual Percentage Rate) is based on parent/guardian credit score.
***$100 maximum credit line. Parent/guardian must cosign. APR (Annual Percentage Rate) is based on parent/
guardian credit score.
*
retirement & investment center
From basic savings to retirement and investment services, Service 1st has it all!
The Service 1st Retirement & retirement & investment center:
Investment Center is staffed by
Gary Surak, a knowledgeable
Specializing in 401(k)/Pension Rollover
and experienced financial advisor
devoted to serving all your retire- Retirement Planning
ment, insurance and investment Wealth Management
needs. Gary has over 20 years
in the financial industry, and Education Funding
understands the importance Estate Conservation
of a trusted partner.
Rest assured Gary will serve Mutual Funds
you with the same personalized Life and Long-Term Care Insurance
Gary Surak, CRPC
attention you’ve come to expect
Vice President, Fixed, Variable and Index Annuities
Wealth Management from your credit union.
Tax-Managed Investing**
Call Gary today for a no-cost, no-obligation appointment.
Local: 570.271.7596 Toll-free: 1.800.562.6049 x7596
relax.
we’ve got your
financial future
taken care of.
* Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a
registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not
federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution,
through the financial services program, to make securities available to members.
** Representatives are not tax advisors. For information regarding your specific tax situation, please consult a tax professional.
FR061022-EAA5
other services
the little extras you can’t live without
conveniences: online services:
Shared Branching Network Service1st@Home online banking
ACH Services Free Online Bill Payer
VISA Gift Cards
®
iCLICK Remote Deposit Service
VISA® Online (ezcardinfo.com) eStatements
Teller-Phone 570.275.4061 Account Alerts
toll free 800.433.5070 Mobile Banking for SmartPhones/PDAs
Direct Deposit and Payroll Deduction iTEXT
Travelers Checks Open membership accounts online
Wire Transfers Apply for a loan online
Cashier’s Checks Live Chat
Night Deposit Box
Free Coin Counting Machine stay financially fit!
Enterprise Car Sales Member Discounts attend educational seminars:
Using Credit Wisely
Identity Theft
Home Buying
Money Management and Organization
Retirement and Investing Strategies
Youth Financial Literacy
schedule a financial check-up:
Schedule a no-obligation one-on-one
personal review of your finances with an
account expert.
get your debt in focus:
Free online anonymous tool that helps
bring your debt into focus so you can make
smart decisions to build a healthy financial plan.
become a member
and start enjoying all the services you’re entitled to
To get started, here’s what you’ll need for
each applicant and beneficiary (if desired):
Permanent Residential Address
Social Security Number
Date of Birth
Valid U.S. Driver’s License, State-Issued ID,
or Government-Issued ID
Telephone Number
Don’t have time to
come into a branch?
Apply online!
Opening your Service 1st
account online only takes
about 10 minutes.
Visit https://www.service1.org/
hi/membershipapplication.asp
to get started!
Not sure where your finances
stand? Schedule a financial
checkup with a branch manager
or financial service specialist who
can show you areas you could be
saving, or even making, money! take the plunge
Call 1.800.562.6049 to schedule
a financial checkup at the branch and request
nearest you. membership today!
locations
near or far, Service 1st has you covered
contact us anytime at 800.562.6049 or visit www.service1.org
branch locations: Shared Branching
Corporate Center Service 1st has partnered with credit
1419 Montour Blvd unions from all over the country to share
PO Box 159 facilities through a Shared Branching
Danville, PA 17821-9122 Network to provide you with thousands
800.562.6049 of convenient locations to perform
transactions just as if you were at a
Danville Lewisburg Service 1st branch. Use the Service
1207 Bloom Street 101 Walter Drive Center Locator to find a shared branch
Danville, PA 17821-1303 Lewisburg, PA 17837 location near you! Conduct a range of
570.523.9130 transactions such as deposits, with-
570.271.6060
drawals, loan payments, make transfers
between accounts, purchase money
Shamokin Dam Wilkes-Barre orders, travelers checks and official
3054 North Susquehanna Trail 620 Baltimore Drive checks where available and more!
PO Box 157 Wilkes-Barre, PA 18702
Shamokin Dam, PA 17876 570.825.4808 To take advantage of the Shared Branch-
570.743.0881 ing service, when you enter a shared
branch you only need to bring:
Ironmen Hub
Danville High School • Your home credit union’s name
Loyalsock • Your account number
600 Walnut Street
814 Westminster Drive
Danville, PA 17821 • Valid government-issued photo ID
Williamsport, PA 17701
*Only open to students, (i.e. State Driver’s license, US Passport)
570.567.0800 faculty and staff of DHS.
To find a location, visit
www.cuservicecenter.com
or download the Mobile App on
your smartphone.
Always on the go?
Scan the code on the left to Look for
download our app and manage the Swirl at
your finances after hours! Participating
Credit Unions!
1419 Montour Boulevard
PO Box 159
Danville, PA 17821-9122
www.service1.org
Federally Insured by the NCUA. Equal Housing Lender.
