Service First Federal Credit Union of Sioux Falls, South Dakota has been in operation for more than 80 years, currently from 5 locations. It is considered a community credit union serving Sioux Falls and surrounding communities, having been originally established to serve Morrell Employees. People who live, work, worship, or attend school in Minnehaha, Lincoln, or McCook county are eligible to join. By number of members, it is the 4th biggest in South Dakota. It also is the fourth biggest in the state by assets.
Checking services include no cost share drafts, share certificates with low minimum balance requirements, bill pay services, overdraft protection and overdraft lines of credit. Debit cards, ATMs with no surcharges and prepaid debit cards are available.
For members needing to establish credit, the credit union offers share-secured credit cards. Financial counseling, financial education and financial literacy workshops are among the capabilities they offer.
Besides auto loans and other kinds of loans, Service First FCU can do real estate loans and has a first time homebuyer program. Convenience services include check cashing, low-cost wire transfers and money orders. Service First FCU members may also benefit from bilingual services, student scholarships, income tax preparation assistance and tax refund loans.
Services to businesses and professionals include business share accounts, business loans, merchant processing services/payment processing, micro business loans, mortgage processing and the credit union is an approved mortgage seller. People having other financial, savings, and investment needs will want to consider health savings accounts, certificates of deposits and insurance/investment products that are offered.
Available electronic access includes Internet account access, bank by phone and wireless phone apps. Any time, anywhere, you can apply for membership, take out a loan, look at your balance, order share drafts, make loan payments, check previous transactions, transfer money, automate your bill payments, download your account history, view electronic statements and make payments via smartphone.
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