Smart banking for you and your family

Welcome to our new website. Only the look has changed. The credit union's goal remains the same and that is to serve you -- our members.

#1 Avenue D
Greenville, Texas 75402

Drive-up Hours:
Monday - Friday: 8:00 am - 5:00 pm
Friday: 8:00 am - 5:30 pm

Mailing Address:
P.O. Box 8155
Greenville, Texas 75404-8155

Learn More

COVID-19 Update

We appreciate your patience during the closure of our lobby!

Our plan is to re-open soon with normal hours of operation. At this time, we are still requiring face masks and are available by appointment, except the drive-through which is open regular hours. Once we are able to open, we will have social distancing markers as well as plastic shields to ensure the safety and health of our members and staff.

We understand that the current economic uncertainty is also affecting many of you. If you are experiencing a financial hardship due to COVID-19, please contact us to discuss potential options. Service 1 st will continue to be here for you!

Member Services

  • Share (Savings) Accounts
  • Share Draft (Checking) Accounts
  • IRA Accounts
  • Share Secured Loans
  • New/Used Vehicle Loans
  • Farm Equipment Loans
  • Motor Home/Travel Trailer Loans
  • Signature Loans
  • Guaranteed Asset Protection on New Loans (GAP)
  • Credit Life & Credit Disability Insurance on New Loans
  • MasterCard & MasterCard Cash Advances
  • Direct Deposit and/or Payroll Deductions
  • E-Statements
 
  • Wire Transfers
  • Night Depository
  • Drive Thru Service
  • Voice Response System (Sidney)
  • Notary Service
  • QwikCash ATM Cards
  • Mastermoney Debit Cards
  • Savings Bond Redemption
  • Cashier's Checks
  • Gift Cards
  • Virtual Branch Online Banking
  • Three Credit Union Owned ATMs in Greenville, Texas
Access Online Banking

Auto Loans

Love your car & love your payment. Providing low rate auto loans to the community for over 60 years!

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E-Statements

Access E-Statements

Newsletter

September 2020 Newsletter

Share Drafts/Checking

Credit union share draft/checking accounts offer the convenience and options found in other checking accounts, plus more. If you haven't seen the benefits of a credit union share draft/checking account yet, you owe it to yourself to make the comparison.

The convenient carbonless duplicates of your share draft/checks provide you with easy record-keeping. Since you have a duplicate copy, you won't forget the details of a share draft/check, which make balancing your account easy. If you would like a copy of your original share draft/check, the credit union will be happy to provide you with one (fees may apply).

To open a share draft/checking account you must be able to provide the credit union with a permanent address. A P.O. Box is an acceptable address if it is in your name.

 

Experience the convenience of direct deposit. Your direct deposit can be distributed to your share account, dependents share accounts, a loan payment, as well as your share draft/checking account.

Overdraft protection is available on most share draft/checking accounts. This service transfers funds from your other accounts if there are insufficient funds to cover your share draft/check. There are two accounts to choose from the ADVANTAGE CHECKING or the CLASSIC CHECKING. (To find out more information on the two accounts click on the previous links.)

Members, who are 55 years or over, may request to be exempt from the monthly service charge but will be subject to all other applicable fees.

 

IMPORTANT INFORMATION:
PROCEDURES FOR OPENING AN ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license and other identifying documents.

Please call or come by the credit union if you have a question. We look forward to opening a share draft/checking account.

Who can join the credit union?

  1. Employees of L3Harris Communications Inc. formally Raytheon Systems, E-Systems.
  2. Employees of representatives of organizations having a contractual relationship with the above name entity and who are in residence at one of the Greenville, Texas facilities in support of such contracts.
  3. Persons receiving retirement benefits as a result of employment with one of the above.
  4. Spouses of persons who died while within the field of membership of this credit union.
  5. Any person residing or working within the boundaries of Hunt County, Texas that are not currently served by an employer or association sponsored credit union; and members of family or such persons.
  6. Employees of Flowserve, who work in Sulphur Springs, Texas; as well as members of Nordstrom Sulphur Springs Federal Credit Union, as of the effective date of its merger with Service 1st Credit Union.
  7. Persons who live or work within the boundaries of Hopkins County, Texas.
  8. Members of the family of such groups listed above.

The credit union has always had a policy of "once a member, always a member."

Once membership is established, it continues until the member's account is closed, regardless of the member's current employer or current place of residence.

Board of Directors

  • Mike AndreolaChairman | Jan 2022
  • Fred Hite, Jr.Vice Chairman | Jan 2022
  • Jo Ann EastSecretary/Treasurer | Jan 2023
  • Jeanie KernerDirector | Jan 2021
  • Truett HannerDirector | Jan 2022
  • Ross McClainDirector | Jan 2023
  • C.J. ClintonDirector | Jan 2021
  • Joel RichardsonDirector | Jan 2021
  • Mike GlendayDirector | Jan 2025

Contacts

Main Office

  • #1 Avenue D
    Greenville, Texas 75402
    903-457-4686
    1-800-416-9656
    Fax: 903-457-7138
  • Mailing Address:
    P.O. Box 8155
    Greenville, Texas 75404-8155
  • Lobby Hours
    Temporarily
    By Appointment Only
  • Drive-up Hours
    Monday - Friday: 8:00 am - 5:00 pm
    Friday: 8:00 am - 5:30 pm

After Hours Contacts

  • Lost or Stolen Credit Union Mastercard Credit Cards:
    After business hours call: 1-800-442-4757
    This number can also be used to obtain Mastercard account information 24 hours a day, 7 days a week.
  • Lost or stolen Mastermoney Debit Cards::
    After business hours call: 1-800-405-7068
Loan Rates
LOAN TYPE MAXIMUM TERM INTEREST RATE*
New Vehicle up to 94 Months 2.00% to 10.00%
Used Vehicle up to 82 Months 4.00% to 10.00%
Signature up to 36 Months 6.00% to 15.00%
Farm Equipment
Less than 2 yrs old
up to 72 Months 5.00% to 10.00%
Farm Equipment
2 yrs & older
up to 60 Months 6.00% to 12.00%
Travel Trailers (under 20K) same as vehicle loans above same as vehicle loans above
New Travel Trailer/
Motor Home (over 20K)
same as vehicle loans above if term is 82 months or less same as vehicle loans above if term is 82 months or less
Travel Trailers/
Motor Homes
over 20K.
All closed end
7 year financing 4.50% to 10.00%
Travel Trailers/
Motor Homes over 20K.
All closed end
up to 15 year financing 5.75% to 14.00%
New Motorcycles
Used Motorcycles
up to 48 months
 
3.00% to 10.00%
4.00% to 13.00%
Boat Rigs
All Closed End

up to 36 months

13.00% to 14.00%

*Annual Percentage Rate
MASTERCARD (REGULAR) CREDIT CARD RATE 8.0% APR*
MASTERCARD GOLD CREDIT CARD RATE
6.0% APR*

SHARE/SAVINGS AND CHECKING ACCOUNT RATES (LAST DECLARED RATE*)
*RATES ARE DECLARED AT THE END OF THE QUARTER

ACCOUNT TYPE DIVIDEND
RATE*
ANNUAL
PERCENTAGE
YIELD (APY)
MINIMUM
OPENING
BALANCE
DIVIDEND
COMPOUND
PERIOD
ShareSavings 0.5% 0.5% $ 5.00 Quarterly
IRA Share Savings 0.5% 0.5% $ 5.00 Quarterly
Classic Checking None None $25.00 Monthly
Advantage Checking 0.00% 0.00% $25.00 Monthly

ERM SHARE (CERTIFICATES)**

TERM


INTEREST
RATE*

ANNUAL
PERCENTAGE
YIELD(APY)
MINIMUM
OPENING
BALANCE
 
DIVIDEND
PERIOD

 
         
  6 Months 0.60% 0.60% $2,000.00 Monthly
12 Months 0.70% 0.90% $2,000.00 Monthly
18 Months 0.80% 0.80% $2,000.00 Monthly
24 Months 0.90% 0.90% $2,000.00 Monthly
         

*Rates are subject to change.
Please contact the credit union to verify current rates.

Sidney - S1CU Audio Response System

Dial (903) 457-6500. You will be prompted to press "1" as a member. You will then be asked for your account number. Enter your Credit Union account number then press the #.

Wait to be asked for your access code for the account number you entered above. After entering your access code DO NOT press the #.

You will then be at the main menu:

Press 1 for Account information:
  Press 1 for Checking and Savings information:
    1= Checking 2 = Savings 3 = Share Certificates 4 = IRA's
    * for previous menu
  or Press 2 for Loan information
    1 = loans 2 = line of credit and home equity 2 = mortgage lns

Press 2 for Transfers and Payments:
  Press 1 for Transfers:
    1 = Checking and Savings; 2 = To another member
  Press 2 for Check Withdrawals
    Checks may be picked up during office hours.
    If you want your check mailed, or someone other than yourself to pick up your       check , call (903)457-4686.
  Press 3 for Payments:
    1 = Loans Payments
      1 = Payment from Checking
      2 = Payment from Savings
      3 = Pay Off Amounts
        1 = Loans

Press 3 for Account Balances and Tax Information:
  1 = Checking and Savings Balances
  2 = Loan Balances
  3 = Tax Information on Checking & Savings
  4 = Tax Information on Loans

Press 4 for Other Information:
  1 = Change Password

Press 9 to Exit Sidney