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


Put your money to work for you. Service One’s investment rates compare favorably to other financial institutions.

Your savings are federally insured to at least $250,000 by the National Credit Union Administration (NCUA) a federal agency backed by the full faith and credit of the United States Government. For more information about how the NCUA insures your funds, view How Your Accounts are Federally Insured.

Interest Checking

Earn competitive dividends on your checking account with Service One’s E.A.S.Y. Checking.

The name says it all:
Easy – Pay no monthly service fee by keeping a minimum balance of just $1,000 in your E.A.S.Y. account, otherwise the $7.75 monthly service fee applies.

Access – Use Home Branch, ONE CALL audio response system, One Card Visa┬« debit card, or checks to access your E.A.S.Y. account.

Safety – Your E.A.S.Y. account is insured by the National Credit Union Administration, a U.S. government agency.

Yield – Earn competitive dividends monthly with as little as $1,000. Rates are tiered for higher earnings.

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It’s never too early or too late to start planning for your retirement. Experts predict that the average American will need nearly 70% of their pre-retirement income to maintain a comfortable lifestyle after retirement. Our federally insured IRAs earn high investment rates. Dividends are determined by the credit union, compounded quarterly and have withdrawal and contribution limitations.

IRA and savings deposits are federally insured by NCUA to at least $250,000. For more detailed information view the NCUA Your Insured Funds Pamphlet.

The IRAs available at SOCU are:

Traditional IRA

  • Contribute up to $5,500 a year.
  • Earnings are based on the balance of your account.
  • Savings grow tax deferred. (Possible tax deduction.)
  • Withdraw at age 59 1/2 without penalty. Can withdrawal earlier but will have tax consequences.
  • Catch up contributions are available for individuals age 50 and over.
  • Consult your tax advisor.

The Roth IRA

  • Contribute up to $5,500 a year.
  • Earning withdrawals are tax-free at age 59 1/2 or for qualified reasons.
  • Contributions permitted after age 70 1/2.
  • Catch up contributions are available for individuals age 50 and over.
  • Consult your tax advisor.


Savings Certificates

Earn competitive market rates when you invest as little as $500. Available terms range from 6 months to 5 years.

Add-on Certificates

Open an Add-On Certificate with just $25! You can add-on more funds through payroll or automatic deposit, or at any time with as little as $10. This 6-month certificate has an automatic renewal.

Freedom Certificate

Can’t commit? Then we’ve got the perfect certificate for you! Our Freedom Certificate is a special one-year, $20,000 minimum balance certificate with a 14-day notice, no penalty withdrawal option. Think of it as a certificate for the non-committal.

IRA Certificates

Available terms range from 1 to 5 years.

Coverdell Education Savings Account

  • Use for elementary, secondary, and post-secondary education.
  • Contribute $2,000 a year per child under the age of 18.
  • Earnings grow tax-deferred until withdrawn.
  • Funds can be transferred from one child’s account to an account for another child in the family.
  • Consult your tax advisor.