Service Credit Union Portsmouth NH | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Service, your trusted financial partner in the heart of Portsmouth, NH! Located at 2032 Lafayette Rd, our branch has been serving the community since 1957. With a proud membership of over 360,000 individuals, we are committed to providing exceptional banking services tailored to meet your needs. At Service, we understand that financial stability is important for both individuals and businesses. That's why we manage an impressive $5,717,610,074 in total assets and have a robust lending portfolio with 204,286 loans and leases. Our dedication to helping you achieve your financial goals is reflected in our diverse offerings from personal banking solutions like checking and savings accounts to vehicle financing and mortgage loans. Led by our CEO, David Araujo, and Board President, Susan Desjardins, our experienced team of 983 employees is here to ensure you receive the best possible service. We take pride in our solid financial standing with a net worth of $684,943,916 and total deposits reaching $192,494,435. While members can visit us at our branch for all their banking needs including access to ATMs and drive-thru services official correspondence should be sent to the same address: 2032 Lafayette Rd, Portsmouth, NH 3801. We invite you to explore everything Service has to offer. Whether you're looking for a new auto loan or need assistance with online banking, we're just a phone call away at 603-422-8340. Come visit us today and discover how we can help you navigate your financial journey! For more information about our services or to become a member, check out our website at servicecu.org.

Branch History & Mission

A Commitment to Community

Located at 2032 Lafayette Rd, Portsmouth, NH 03801, our branch is easily accessible and close to local landmarks that residents know well. Our mission has always been about more than just financial services; it's about building relationships and supporting the community we serve. We believe in empowering our members through education and access to essential banking services. As we expanded our offerings, we maintained a strong commitment to community outreach and engagement. Our total assets now stand at an impressive $5,717,610,074. This growth reflects not only our success but also the trust placed in us by our members. We provide a variety of services including personal banking, auto loans, mortgage refinancing, business loans, and more all designed with the needs of our members in mind.

Embracing Technology

In today's fast-paced world, we understand that convenience matters. That's why we've embraced technology to enhance your banking experience. With features like online banking, mobile payments, e-statements, and person-to-person transactions available at your fingertips, managing your finances has never been easier. We also offer ATM services and drive-thru banking for quick transactions on-the-go. Plus, with shared service centers available for basic transactions with partner credit unions, you can access your funds whenever you need them.

Join Us Today!

As we look back at our history filled with growth and community support since 1957, we invite you to be part of our future. Experience firsthand the benefits of membership with Service Credit Union where everyone is treated like family. If you're ready to take the next step towards better banking options tailored just for you or want to learn more about how you can get involved in our community initiatives, don't hesitate! Reach out to us at (603) 422-8340 or visit us online at servicecu.org. Join us today as we continue our mission of serving you and making a difference together!

Mission Statement

At Service Credit Union, our mission is simple: we aim to enhance the financial well-being of our members while supporting local initiatives and making a positive impact within Portsmouth and beyond. We strive to provide exceptional service through innovative products and customer-friendly solutions while ensuring accessibility for everyone. While members can visit us at 2032 Lafayette Rd for all their banking needs, official correspondence should be sent to 2032 Lafayette Rd, Portsmouth, NH 3801. Our operating hours are convenient Monday through Friday from 8:30 AM to 6:00 PM and Saturday from 8:30 AM to 1:00 PM so you can easily find time to stop by.

Branch Location & Accessibility

Accessibility Features

At Service Credit Union, we understand the importance of accessibility. Our branch is fully compliant with ADA standards, featuring ramps and wide doorways to ensure everyone can comfortably access our services. Ample parking is available right outside our entrance, so you can quickly get in and out.

Contact Us

Have questions? Give us a call at 603-422-8340. We invite you to come by and experience our welcoming atmosphere firsthand. While members can visit us at 2032 Lafayette Rd, official correspondence should be sent to the same address for your convenience. We look forward to seeing you soon!

Operating Hours

We're here to serve you Monday through Friday from 8:30 AM to 6:00 PM and Saturday from 8:30 AM to 1:00 PM. Whether you're looking to open a new account or need assistance with loans or credit cards, our friendly staff is ready to help during these hours.

Services Offered

Our Portsmouth Branch offers a variety of banking services designed for your convenience. Enjoy personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also provide business banking solutions including merchant services and business loans. With an ATM on-site and drive-thru banking available, accessing your funds has never been easier! If you're part of another credit union that participates in shared services, feel free to visit us for basic transactions like deposits and withdrawals.

Member Eligibility

At Service, we believe that everyone deserves a chance to be part of a supportive community that prioritizes your financial well-being. Becoming a member is simple and open to anyone who meets our eligibility criteria. Generally, if you live, work, worship, or attend school in the areas we serve, you're likely to qualify! We want to make sure that you feel at home here, so take a moment to explore the specific details about joining us by visiting https://servicecu.org/about-us/become-a-member/ . Opening an account with us is just as easy as becoming a member! You can kickstart your journey with Service today by applying online through our quick and straightforward process. If you have any questions or need assistance, don't hesitate to reach out at (603) 422-8340. We're here for you at our branch located at 2032 Lafayette Rd Portsmouth Nh 03801, ready to welcome you into our family!

Business Banking & Commercial Services

Commercial Loan Options

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.

Merchant Services

Imagine running your business without worrying about payment processing. Our merchant services allow you to focus on what matters most serving your customers. From credit card processing to online payment solutions, we offer tools that simplify transactions and improve cash flow. Visit us at 2032 Lafayette Rd Portsmouth Nh 03801 in Portsmouth, NH or call us at (603) 422-8340 to explore how our business banking and commercial services can fuel your success. Together, let's build a thriving future for your business!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide robust Business Banking solutions including Merchant Services and Business Loans. These offerings are designed to help local businesses thrive, whether through financing for expansion or everyday banking needs.

Credit Cards and Rewards

We also offer Credit Cards with Rewards programs that allow you to earn points on your everyday purchases. This means that every time you swipe, you're working toward rewards that can benefit you down the line.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer Online & Mobile Banking services that let you manage your accounts anytime, anywhere. You can easily check balances, transfer funds, or pay bills from your smartphone or computer. Additionally, our ATM & Cash Withdrawal Services ensure you have access to your cash when you need it most.

Drive-Thru and Shared Branch Transactions

For those who prefer face-to-face interactions but are short on time, our Basic Drive-Thru Banking allows for quick deposits and withdrawals without leaving your car. Plus, if you're a member of a partner credit union, take advantage of Basic Shared Branch Transactions where you can perform deposits and withdrawals at any participating location. At Service, we believe in making banking accessible and straightforward for everyone. Whether you're visiting us at our branch in Portsmouth or using our digital services from the comfort of your home, we're here to support your financial journey. If you're ready to take control of your finances or simply want more information about any of these services, give us a call at (603) 422-8340 or visit us online at https://www.servicecu.org . We look forward to welcoming you into the Service family!

Personal Banking Solutions

Whether you're looking to manage your day-to-day finances or save for a big purchase, our personal banking services have you covered. With Checking and Savings Accounts designed for flexibility and ease, you can access your money whenever you need it. For those considering a new vehicle, our Auto Loans & Vehicle Financing options make it easy to drive away in a car that fits your budget. Thinking about purchasing a home? Our Mortgage Loans & Refinancing services can help you find the right plan tailored just for you. If unexpected expenses arise or if you're looking to consolidate debt, our Personal Loans & Debt Consolidation options provide quick solutions with favorable terms.

Digital & Online Banking

Convenient Online Banking

Our online banking service is available 24/7 at https://servicecu.org/ . Whether you're checking your balance, transferring funds, or paying bills, everything is just a click away. You can even opt for e-statements, so you never have to worry about paper clutter again. This feature not only helps the environment but also allows you to access your statements anytime from anywhere.

Manage Your Money on the Go

If you prefer banking on the move, our mobile application makes it easy to manage your finances directly from your smartphone. You can send money quickly with person-to-person transfers, ensuring that splitting bills or sending gifts is as easy as sending a text. At Service, we aim to provide accessible and efficient banking solutions that fit into your lifestyle. Experience the convenience of real-time account management and enjoy all the benefits our digital banking services offer today!

Secure Transactions

Your security is our top priority. With electronic signature authorization available at Service, signing documents is safe and straightforward, giving you peace of mind. Plus, our mobile payments feature lets you make purchases right from your phone without compromising security.

Financial Strength

Growing Member 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. 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 2032 Lafayette Rd Portsmouth Nh 03801 or call (603) 422-8340 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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 commitment to operational efficiency is reflected in our $0, which enables 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 Growth

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 supports members' financial goals across various sectors, with $69,897 in used auto loans and $4,669,873,346 in total loans and leases.

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. This solid foundation is further highlighted by our net worth ratio of $1,197, 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 eyeing a reliable used car or a shiny new model, we have flexible financing options available that make it easier than ever to drive away in the vehicle you want.

Business Loans

For business owners, our outstanding commercial loans totaling $731,139,574 provide the capital needed to grow and expand your business operations. Whether you're looking for equipment financing or working capital, we have solutions tailored to your business needs.

Credit Lines and Other Options

In addition to these popular loan products, we also offer credit lines totaling $924,899,627. This gives our members access to funds as needed, providing additional flexibility when unexpected expenses arise. If you're considering refinancing any existing loans or if you're curious about eligibility options for any of our products, feel free to reach out. Our knowledgeable team is here to assist you with all your questions. You can visit us at 2032 Lafayette Rd Portsmouth Nh 03801, give us a call at (603) 422-8340, or explore our offerings online at https://servicecu.org/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Service, we're dedicated to supporting our members' journeys toward financial well-being!

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 are here to guide you through the process and help you find a mortgage solution that fits your budget and lifestyle.

Unsecured Credit Card Loans

Managing your finances can be challenging at times. 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. These cards come with competitive rates and no annual fees, allowing you to make purchases while keeping your budget on track.

Loan Aggregator

Benefits of Using LendMesh

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SERVICE FEDERAL CREDIT UNION