Service Credit Union Falmouth MA | Low Mortgage Rates & Auto Loans

Introduction

At Service, we believe that banking should be more than just transactions it should be about building relationships and supporting our community. Located at 199 Worcester Ct, Falmouth, MA 02540, our Falmouth Branch Office is here to provide you with personalized financial solutions tailored to your needs. Since opening our doors in 1957, we've grown to serve over 360,846 members, proudly managing total assets of over $5.7 billion. While you can visit us at our branch for all your banking needs, please note that official correspondence can be sent to the same address. Our team is dedicated to ensuring you feel valued and understood every time you walk through our doors or connect with us online at servicecu.org. Our commitment goes beyond just numbers; it's about making a positive impact on the lives of our members and the community. With a robust net worth of $684,943,916 and total deposits reaching $192,494,435, we are well-equipped to support your financial journey, whether you're looking for auto loans, mortgages, or personal banking services. Under the leadership of our CEO, David Araujo, and Board President Susan Desjardins, we are not just a credit union; we are your trusted financial partner. With a team of 983 employees ready to assist you, we strive to deliver exceptional service in every interaction. We invite you to experience the difference at Service Credit Union. Whether you're curious about opening an account or need assistance with existing services, don't hesitate to call us at (508) 650-7053 or drop by during our operating hours: Monday-Friday from 8:30 AM to 6:00 PM and Saturday from 8:30 AM to 1:00 PM. Join us in shaping a brighter financial future together!

Branch History & Mission

Community Connections

Partnerships are at the heart of what we do. By collaborating with local organizations and participating in community events, we strengthen ties within Falmouth and surrounding areas. Whether it's sponsoring local sports teams or hosting financial literacy workshops, we're committed to being an active participant in our community's growth. While you can visit us at 199 Worcester Ct Falmouth Ma 02540 for all your banking needs, please note that official correspondence should be sent to 199 Worcester Ct, Falmouth, MA 2540 if it differs from our branch location. Join us on this journey! Experience firsthand how Service can help you achieve your financial goals while contributing positively to our community. We invite you to explore membership options and discover the benefits of being part of something greater than just banking. Reach out today at (508) 650-7053, or visit us during our operating hours: Monday-Friday from 8:30 AM - 6:00 PM and Saturday from 8:30 AM - 1:00 PM. Together, let's build a brighter future!

Mission Statement

At Service, we aim to empower individuals and families by providing accessible financial solutions tailored to their unique needs. Our mission goes beyond just banking; it's about building a stronger community through education, outreach, and support programs. We strive not only to meet the financial needs of our members but also to uplift those around us through various community initiatives. Our drive-thru service offers convenience for quick transactions while maintaining a personal touch. Additionally, we proudly participate in shared service centers, allowing members from partner credit unions access to essential banking services without barriers.

Our Journey

From the moment we opened our doors, our mission has been clear: to provide exceptional financial services while making a positive impact in our community. Over the years, we've seen significant growth, with total assets now exceeding $5,717,610,074. This success is not just about numbers; it reflects our dedication to supporting members' financial well-being and fostering relationships built on trust and respect. As we evolved, we embraced new technologies to enhance our services. Today, we offer convenient options like online banking and mobile payments, ensuring that our members have access to their accounts anytime, anywhere. Our commitment to ADA compliance means that all members can access our services with ease, reflecting our belief that everyone deserves financial inclusion.

Branch Location & Accessibility

Comprehensive Banking Experience

At the Falmouth Branch Office, we offer a variety of services tailored to fit your financial goals. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have everything you need under one roof. Plus, with our shared service center available, members of partner credit unions can also access basic transactions here. If you're looking for an ATM, you're in luck! We provide ATM services right at our branch for convenient cash withdrawals and balance checks. While you can visit us at our main address for all your banking needs, if you need to send official correspondence, please use our mailing address: 199 Worcester Ct, Falmouth, MA 2540.

Convenient Access and Services

At Service, we pride ourselves on being accessible to all members. Our branch features ample parking and ADA-compliant facilities, ensuring that everyone can visit us comfortably. If you need to make a quick transaction, take advantage of our drive-thru service, which allows for easy deposits and withdrawals without leaving your vehicle. Our operating hours are designed with your busy schedule in mind. We're open Monday through Friday from 8:30 AM to 6:00 PM, and on Saturdays from 8:30 AM to 1:00 PM. This flexibility means you can find time to drop by whether it's during your lunch break or on a Saturday morning.

Join Us Today!

We invite you to experience the welcoming atmosphere at Service Falmouth Branch Office. If you have any questions or need assistance with opening an account or exploring loan options, don't hesitate to give us a call at 508-650-7053. Your financial well-being is our priority, and we're here to help! Come see us today!

Member Eligibility

Becoming a member of Service is like joining a welcoming family that cares about your financial well-being. To be eligible, you simply need to live, work, worship, or attend school in certain areas or have a family member who is already a member. This means that if you're part of the community around 199 Worcester Ct Falmouth Ma 02540, you're likely to fit right in! Plus, being a member comes with amazing benefits, like access to low-interest loans and personalized financial services tailored just for you. Getting started is easy! You can find all the details on eligibility by visiting this link for more information. When you're ready to open an account, simply follow the instructions at this page. If you have any questions, don't hesitate to call us at (508) 650-7053. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services designed to streamline your daily transactions. Imagine being able to accept payments easily through various methods credit cards, mobile payments, and more. This not only enhances customer satisfaction but also improves cash flow, allowing you to focus on what matters most: growing your business. Visit us at 199 Worcester Ct Falmouth Ma 02540, Falmouth, MA, or call us at (508) 650-7053 to learn more about how our business banking solutions can empower your success!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $616 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $25 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $731,139,574, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessing Your Funds

Need quick access to cash? Our ATM services allow for hassle-free withdrawals and balance checks whenever you need them. Plus, our drive-thru banking offers basic services such as deposits and withdrawals without having to step inside the branch a great option for those on the go!

Business Banking

If you're a business owner, our business banking services include essential tools like merchant services and business loans that support your growth. We're committed to helping local businesses thrive by providing resources tailored to their unique needs.

Credit Options

With our credit cards featuring rewards, you can earn points on everyday purchases, making your spending work for you. Whether you're treating yourself or planning a getaway, these rewards can add up quickly!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we've made sure that our online and mobile banking platforms are user-friendly and secure. You can easily manage your accounts from anywhere at any time whether it's checking balances, transferring funds, or making payments. Additionally, we offer features like mobile payments and person-to-person transactions, making it easier than ever to send money to friends or family instantly.

Personal Banking

We understand that managing your finances can be overwhelming, which is why we offer a variety of personal banking options. Our checking and savings accounts are tailored to help you manage your day-to-day expenses while also saving for the future. If you're thinking about purchasing a new vehicle, our auto loans and vehicle financing services can help get you behind the wheel quickly and affordably. For those considering home ownership, our mortgage loans and refinancing options provide competitive rates to make your dream home a reality. We also offer personal loans and debt consolidation solutions, giving you the flexibility to tackle unexpected expenses or consolidate existing debts into manageable payments.

Shared Services

As part of our commitment to community banking, we provide basic shared branch transactions for members of partner credit unions. This means that even if you're away from your home branch, you can still access essential banking services at various locations. We invite you to explore all that Service has to offer! For more information about our services or how to become a member, feel free to call us at (508) 650-7053 or visit our website at Falmouth Branch Office. Let us help you achieve your financial goals today!

Digital & Online Banking

Accessibility and Ease-of-Use

We believe that good banking should be accessible for everyone. That's why all our digital services are designed with user-friendliness in mind. From setting up an account to conducting everyday transactions, you'll find everything straightforward and intuitive. With these tools at your fingertips, real-time account management is just a click away. Join us at Service and experience how digital banking can simplify your life while keeping your finances secure!

Key Features

Our 24/7 online banking services allow you to check balances, pay bills, and transfer funds with just a few clicks. Whether you're at home or on the go, managing your accounts has never been more convenient. Plus, if you prefer accessing your accounts through your mobile device, our mobile application makes it simple to stay connected. Security is always a priority for us. We provide electronic signature authorization, ensuring that your transactions are safe and secure. You can also opt for e-statements, which not only help reduce paper clutter but also allow you to access your financial information securely from any device. Need to send money to a friend? Our person-to-person transfer feature makes it quick and easy to send funds directly without the hassle of checks or cash. And if you're someone who enjoys the convenience of mobile payments, our system supports this feature too making transactions as simple as tapping your phone.

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts: 780,113, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further demonstrate our commitment to fostering a robust financial environment. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Service is your trusted partner. Visit us at 199 Worcester Ct Falmouth Ma 02540 or call (508) 650-7053 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

Members' savings are secured through $1,896,344,400 in share certificates and $405,361,373 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 875 full-time employees and 108 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Better Services

With $651,514,275 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is reflected in our $69,897 in used auto loans and $4,669,873,346 in total loans and leases, supporting members' financial goals across various sectors.

Strong Financial Health

With a net worth of $684,943,916, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,197 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,123,124,974 in used vehicle loans and $522,034,567 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we've got you covered with flexible terms and competitive rates.

Business Financing

For business owners, our outstanding commercial loans totaling $731,139,574 provide the capital needed to grow and expand. We understand that running a business comes with unique challenges, and our team is ready to work with you to find the right financing solutions for your needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $394,250,024, make buying or refinancing simple. We provide tailored solutions to fit your financial situation and help make your dream of owning a home a reality.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt, we offer refinancing options across many of our loan products. It's important to explore eligibility options that might be available to you, so don't hesitate to reach out for more information. At Service, we're committed to providing personalized service and financial solutions that meet your needs. Whether you're located at our branch at 199 Worcester Ct Falmouth Ma 02540, Falmouth, MA, or prefer to connect via phone at (508) 650-7053, we're here to assist you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our loan offerings today and take the next step towards achieving your financial goals!

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes require additional support. That's why we also offer flexible terms on unsecured credit card loans, with a total of $132,140,205 in loans helping members manage their finances effectively. Enjoy the convenience of having access to funds when you need them most.

Loan Aggregator

No Sponsored Listings

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Real-Time Rate Comparisons

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Verified Data

LendMesh prioritizes verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. This means users can trust that the information they see reflects accurate market conditions.

SERVICE FEDERAL CREDIT UNION