We have received reports of a scam call to members offering a $100 Gift Card for information on their account; this is not from our Associates. Please call us at 270-796-8500 to report a call. Remember: Do not give out personal information, bank logins, or SSNs when someone calls or messages you. Legitimate businesses will never contact you requesting this information.

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Culture Wheel

Benefits provided by credit unions

Since credit unions are not-for-profit financial institutions, we can focus on delivering better services for our member-owners. We can pour our earnings into providing you with special member benefits — including better rates, products, services, and discounts.

You can benefit from this in a variety of ways, such as more forgiving qualification standards. If you don't have a credit history or do but it's damaged, you could have serious trouble scoring a credit card or loan with a low rate from a bank. Credit unions are more forgiving of people in this position and offer personally tailored service that recognizes that you are an individual, not an account number.

When you become a member, your benefits stay with you for life. Whether you change jobs, graduate, move or retire, you can still enjoy all that Service One membership offers. 

We love giving back to our communities!

We give back

We give back profits to you in the form of higher interest rates on products like CDs and savings accounts. We charge lower fees than most other financial institutions. And remember, credit union profits come right back to members in the form of dividends and higher returns on savings. That means the credit union is working for you! 

Our associates also volunteer their time in the community for charities and non-profit organizations. Giving back is very important to us and our families. 

Family dreaming of house, car, teddy bear and bike.

Lower loan interest rates

If you are dreaming of a new home, car or bike, or even a teddy bear, Service One has great rates. You can apply online and get a quick response. 

The price to borrow money from a credit union, known as the interest rate or APR, is typically lower than it would be from a bank. Look over our rates!

Beagle dog using a computer


We partner with TruStage Insurance to offer you several insurance opportunities. As a Service One Member, you can receive discounted rates on homeowners, auto, and life insurance.

The TruStage Auto & Home Program gives you access to instant quotes and a potential discount. And you could save even more if you combine policies. Get free quotes from a licensed agent. A licensed agent is ready to help you find the right insurance. Just friendly, helpful advice with no sales pressure.

We recently added mechanical repair insurance.

Male college student carrying a stack of books.






Teens and Young Adults

Get your free checking account and use our app to keep track of your money!

Scholarship Opportunities - High School Seniors and WKU Returning Students

High school seniors planning to attend Southcentral Kentucky Community and Technical College (SKYCTC) or Western Kentucky University (WKU) may apply for a Service One scholarship. We award four (4) $1,000 scholarships to High Schools Seniors who are members or families of members of Service One. Check back in February to apply.

Service One awards a total of $10,000 to members who are returning WKU students and are members or family of members of Service One. Check back in April to apply.

If you need financial help through college, we can help with our student loans.


Mobile Banking Image

NXG Strategies

Good News! Service One Credit Union has partnered with NXG Strategies to bring the next generation in checking account benefits to protect members and their lifestyle, all as part of Choice and Choice Plus Checking, with instant-issue debit cards available at all locations.

Hey, our cell phones are an important part of life so Mobile Phone Coverage is a great benefit and is included in our Choice Plus Checking. And, so is Savings on Travel, Dining, and Shopping!

Lots of coins to be sorted










Have coins to sort and deposit?

Our ByPass Branch location has a coin counter for our members.  You can sort your coins and get a total to deposit or receive cash back. Stop by with your spare change and see how much you have saved.

Co-Op Shared Branch

Nationwide Access to nearly 30,000 ATMs! 

If you plan to travel, check out the ATMs in your destination area in case you need access to cash. 


Shared Branching Network


Nationwide ATM Access

A nationwide network of nearly 30,000 surcharge-free ATMs, 9,000+ which take deposits. ATM terminals within the network can be found at many credit unions and select retail locations including 7-Eleven®, Walgreens, and Costco®.

CO-OP Shared Branch

Hundreds of credit unions have joined together in a cooperative effort to bring a new level of convenience to members. You can access your accounts and conduct business nationwide at any of the participating credit union locations within the CO-OP Shared Branch network, just as if you were at your online branch.


Auto and Home 

Credit union members may qualify for special discounts on home and auto insurance.

Find out how much you could save if you switch. Combine your insurance with another car or home policy, and you could save even more.

Discount for credit union members. The TruStage Auto & Home Program gives you access to instant quotes and a potential discount. And you could save even more if you combine policies.

Get free quotes from a licensed agent. A licensed agent is ready to help you find the right insurance plan. Just friendly, helpful advice with no sales pressure.

Learn More


Debt Protection

Debt protection can help reduce or pay off your loan balance, up to the maximum limit should you or a co-borrower pass away. Debt protection can help make monthly loan payments, up to the maximum limit, should you become totally disabled, until you are no longer disabled.


Listen to Amy's Story


Debt protection with life plusImportance of Financial Protection




*Disclosure: Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.

Life Insurance

TruStage makes it easy to apply for up to $300,000 of term life insurance. Just answer a few questions for an instant decision. If approved, buy completely online—in about 10 minutes. It’s that simple!

  • No medical exam or intrusive tests
  • No waiting—if approved, you're protected when your first payment processes
  • Income-tax-free money for your beneficiaries

Protection when you need it most. Term life insurance could be an affordable way to help protect your family from the loss of your income if you were to die unexpectedly.

Learn More

AD & D Insurance

Member-Only Insurance Programs.  Inquire about the special insurance programs offered by your credit union.

Service One offers $2,000 of free Accidental Death & Dismemberment (AD&D) insurance to members. As a valued member, you can apply for competitively-priced insurance to help protect you and your family. To claim this AD&D insurance, or to purchase extra protection, please click the button below:

Accidental Death & Dismemberment Insurance

Youth Month 2023

Unleash the Power of Saving at Your Credit UnionApril is Youth Month

We celebrate National Credit Union Youth Month every April to encourage healthy savings habits for kids. Learning about money starts early, and our Youth Accounts will help your kids get started the fun way!

This year, Youth Month is focused on how to unleash the power of savings. We want you to really think about your savings and what your goals are for the future. With a youth savings account+ that earns compound interest, young members can make small regular deposits and watch their savings grow. The earlier they start a savings account, the more it will grow, and the easier it will be to achieve their dreams. Learning this good financial habit at a young age will set them up on the path to successful financial well-being.


Get a Gift!

Any kids that stop by a branch to make a deposit or open an account will receive a gift bag full of goodies and the opportunity to be entered in a prize drawing*!

Giraffe on a bike

Win a New Bike or Laptop!

Three lucky drawing entrants will be the winners of either one of two brand-new bicycles or a laptop this April! The winners will be selected by random drawing from this entry form. Two bicycle winners will have their choice of a bicycle up to a $150.00 value** and one laptop winner will receive a Google Chromebook valued at $100.00!

Official giveaway rules are below. Must be 17 years of age or younger and enter on the form provided here to qualify to win.




Click on the Unleash the Power image below to download or print

Unleash the Power of Saving at your credit union


Your kids are never too young to establish good financial habits.
Open an account for your favorite child today!

*The Youth Month Prize Drawing is FREE to enter and open to all youth 17 years old or younger, who visit a participating Service One Credit Union branch and submit a digital entry form during the entry period of April 1 – 30, 2023. Winners will be selected on May 1, 2023, and the adult legal guardian will be contacted privately via telephone and/or email. While youth and their family members and/or guardians are encouraged to make a deposit at the credit union, no deposit nor transaction is required to enter. Parents/guardians giving permission for their youth to enter can submit an entry from this webpage, socu.com/youthmonth. Prizes are for (2) bicycles valued at $150.00 or less and a Chromebook laptop valued at $100.00. Limit one entry per person. The odds of winning depend on the number of entrants. This contest is void where prohibited.

**An adult legal guardian will assist in choosing the bike to ensure the size is correct for the winner.

+ A share account is required for new members with a par value of $25 into the savings account. For checking accounts, a minimum deposit of $50 is required to open the account. 


Service One is now partnering with Zogo

Service One is now partnering with Zogo to bring a fun, new financial education tool to our members!

Zogo is a gamified financial literacy app that rewards users for completing bite-sized financial literacy lessons on intelligently saving, spending, and managing their own money. Level up and earn while you learn, with real-life rewards, such as gift cards to your favorite stores.

pineapple astronaut




We now partner with the app that pays you to learn financial literacy. Download Zoogo today.

Enter Access Code SOCU1963


Are you ready to join the party?

Click the links below or scan to QR code to download. Once you download and sign into the app, use code SOCU1963 to join!


QR code

Download on the Apple App Store

Get it on Google Play



TAFTSECTION#start|Here's how the app works:#TAFTSECTION

zogo screenshot

  • Users have access to over 800 bite-sized educational modules that meet all the national standards for financial literacy
  • Users begin each module by learning 5 concepts before taking a 5 question quiz
  • The user earns points - in the form of pineapples - for completing each educational module
  • Users can exchange their pineapples for gift cards (and other rewards), sponsored by Service One
  • Service One account holders will receive access to the Zogo platform at no cost.




If you are an organization or school that would like to partner with Service One to provide Zogo to your groups, please fill out the form below to request more information.

* Required Fields
Date needed:
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Would you be interested in a representative from SOCU speaking to your group about Financial Literacy? :
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