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P.O. Box 51770 | Bowling Green, KY 42102-6770 | (800) 759-8500 | ABA Routing Number: 283978357


Meet Service One

Founded in 1963 by WKU faculty and staff as a not-for-profit financial cooperative, Service One now serves a greater field of membership – those who live, work or worship in South Central Kentucky.

Not a member? You can qualify for membership if you:

  • Live/work/worship in South Central Kentucky (which includes Warren, Barren, Allen, Simpson, Logan, Edmonson, Metcalfe, Hart, Butler, and Monroe counties).
  • Are a WKU faculty/staff/alumni/student.
  • Are an immediate family member of a current Service One member.
The South Central Counties We Serve.

Open your account online now!

What it means to be “Not-for-Profit”

Service One is committed to enabling our members to reach their financial goals.

As a credit union we do not have shareholders, issue stock, or pay earnings dividends to outside stockholders. Instead, every member owns an equal stake in the institution, regardless of how much money they have on deposit. One of the ways a member can use this ownership is to vote for our Board of Directors. Our local Board of Directors, elected by the membership at the Annual Shareholders’ Meeting, serve as unpaid volunteers and determine the credit union’s direction.

Any profits Service One earns are returned to the membership in the form of better rates on loans and savings, lower fees and improved services. Also, we are less likely to charge service fees than for-profit banks, and when we do charge, fees tend to be lower.

Are funds safely insured at a credit union, compared to a bank?

Service One is a state-chartered credit union, organized under strict laws monitored and enforced by the National Credit Union Administration (NCUA), a federal agency backed by the full faith and credit of the United States Government. The NCUA insures each member account for at least $250,000. For more information about how the NCUA insures your funds, view How Your Accounts are Federally Insured.

Learn more

Service One is working hard to be where you belong – find out more about our organization, what we do in the community, and how to become a member. To learn more about Credit Unions, visit for more information like how a credit union is different than a bank or if a credit union is right for you.