Business Details
50+ Years
experience
Emergency
services
Your Trusted Financial Partner Since 1934
Since 1934, Service First Federal Credit Union has been dedicated to providing exceptional financial services rooted in community values. Our mission centers on empowering members through personalized banking solutions, competitive loan rates, and a commitment to sharing profits locally. With decades of experience, we combine deep industry expertise with a member-first approach to deliver trustworthy financial guidance. Our team of professionals prioritizes transparency, ethical practices, and long-term relationships over transactional interactions.We maintain rigorous standards of operational excellence while adapting to evolving financial needs through digital innovation and physical branch accessibility. Our community involvement extends beyond banking, demonstrated through active sponsorship programs and charitable initiatives that strengthen the regions we serve. This enduring dedication to service excellence has solidified our position as a respected financial institution in Sioux Falls.
Services
Personal Checking
Personal Savings
Auto Loans
Mortgage Loans
Business Checking
Business Savings
Loan Calculators
Credit Cards
Insurance Products
Mobile Banking
Details
- Year established: 1934
Highlights and features
- We've served Sioux Falls since 1934 with financial expertise
- Our member-first approach prioritizes personalized service
- Competitive rates on loans and savings products
- Community investment through local sponsorships and donations
- 24/7 ATM access with multiple branch locations
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Exceptional rates
Personalized service
Community involvement
Quick approvals
No hidden fees
Services
Personal Checking
Our personal checking accounts provide no-fee transaction options and digital banking tools for everyday financial management. Designed for simplicity and accessibility, these accounts include mobile check deposit, bill pay, and overdraft protection. Ideal for individuals seeking straightforward banking solutions with personalized support from our Sioux Falls-based team.
Auto Loans
Competitive auto loan programs feature rates starting at 4.90% APR with no application fees. We offer financing for new and used vehicles including motorcycles, boats, and recreational vehicles. Our local decision-making process enables quick approvals and customized payment plans tailored to individual financial circumstances and credit profiles.
Mortgage Loans
Home financing solutions include fixed and adjustable-rate mortgages with minimal down payment requirements. Our Sioux Falls-based mortgage experts guide clients through the entire home buying process from pre-approval to closing. Special programs support first-time homebuyers and offer refinancing options to reduce monthly payments or access home equity.
Business Checking
Tailored business banking solutions feature tiered interest rates, merchant services integration, and business credit cards. These accounts support cash flow management through online banking tools, ACH processing, and customized treasury management services. Designed for Sioux Falls-based businesses seeking personalized financial partnerships.
Share Certificates
High-yield share certificates offer rates up to 3.25% APY with flexible term options from 6 months to 5 years. These federally insured savings vehicles provide guaranteed returns with automatic renewal features. Ideal for members seeking secure growth opportunities for emergency funds or specific savings goals.
Questions
How do I become a member?
Visit any Sioux Falls branch with government ID and proof of local residency to complete our simple membership application process.
What loan options are available for first-time homebuyers?
We offer specialized mortgage programs with low down payments, competitive rates, and personalized guidance from our Sioux Falls-based mortgage team.
Are there fees for online banking services?
Our digital banking platform provides free access to account management, bill pay, mobile check deposit, and financial calculators for all members.
Do you offer business banking services?
Yes, we provide commercial checking accounts, business loans, merchant services, and customized financial solutions for Sioux Falls-area businesses.
What happens to my account if I move outside Sioux Falls?
Membership remains active through our online banking services, though local branch access may be limited for members relocating outside our service area.
