Service 1st rates: up to 4.00% APY
credit union · NCUA CHARTER 22128 · www.service1.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Health Savings Account | $0-$100 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $100-$2,499.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $2,500-$4,999.99 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $5,000-$14,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $15,000 or more | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings Account | $0.00 | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $5.00 | 0.25% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3-Month CD | 3 month · $500.00 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD | 6 month · $500.00 | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Account IRA | 6 month · $500.00 | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 month · $500.00 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Hybrid Advantage Certificate | 12 month · $5,000.00 | 3.29% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Account IRA | 12 month · $500.00 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 18-Month CD | 18 month · $500.00 | 0.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Account IRA | 18 month · $500.00 | 0.90% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24 month · $500.00 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Account IRA | 24 month · $500.00 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36 month · $500.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Account IRA | 36 month · $500.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48 month · $500.00 | 2.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Account IRA | 48 month · $500.00 | 2.65% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60 month · $500.00 | 2.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Individual Retirement Account IRA | 60 month · $500.00 | 2.55% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $2,500-$4,999 | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $5,000-$19,999 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $20,000-$49,999 | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000-$99,999 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Platinum Money Market | balances of $100,000 or more · $100,000.00 | 1.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Premium Money Market | balances of $25,000 or more · $25,000.00 | 0.85% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Christmas club | $0.00 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Non Profit Checking Account | $0 - $2,499 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Non Profit Checking Account | $100,000 plus · $0.00 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Non Profit Checking Account | $2,500 - $9,999 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Non Profit Checking Account | $10,000 - $24,999 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Non Profit Checking Account | $25,000 - $99,999 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | $0.00 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| vacation club | $0.00 | 0.20% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.service1.org/personal/savings/cds | 2026-11-02 01:44 UTC | ok | 78c39841f09d |
| www.service1.org/rates | 2026-11-02 00:03 UTC | ok | 1bcce69f1970 |
| www.service1.org/personal/savings | 2026-11-02 01:44 UTC | ok | cdc0121a97ff |