Service First Credit Union Sioux Falls SD | Best Auto Loans & Business Banking

Introduction

Welcome to Service First Federal Credit Union, your trusted financial partner in Sioux Falls, SD. Located at 3901 E 10th St, we have proudly served our community since 1934, helping over 17,455 members achieve their financial goals. With total assets of $200,051,859 and deposits amounting to $26,004,201, we are committed to providing exceptional service and competitive rates. At Service First, we understand that every member's needs are unique. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or even business banking services, we've got you covered. Our dedicated team of 62 employees, led by our CEO Travis Kasten and Board President Kyle Scholten, is here to ensure you receive the personalized attention you deserve. While members can visit us at our branch location, official correspondence should be sent to the same address: 3901 East 10th Street, Sioux Falls, SD 57103. We invite you to explore our offerings on our website at servicefirstfcu.org, where you can also find information about joining our credit union or applying for a loan. At Service First Federal Credit Union, we're not just about numbers; we're about people. Join us today and experience a financial institution that truly cares about your success! Feel free to call us at 605-336-1047 for any questions or assistance. Your journey to better financial health starts here!

Branch History & Mission

At Service First, we take pride in our rich history and commitment to serving the community of Sioux Falls, SD. Since opening our doors in 1934, we have grown alongside our members, adapting to their needs while remaining steadfast in our mission to provide exceptional financial services and support. Our branch, located at 3901 E 10th St, Sioux Falls, SD 57103, stands as a testament to our dedication and resilience over the decades. From humble beginnings, Service First has evolved into a trusted partner for over 17,000 members. With total assets exceeding $200 million, we have been able to offer a wide range of services tailored to meet the diverse needs of our community from personal banking solutions like checking and savings accounts to auto loans and mortgage financing. Our commitment doesn't end with financial transactions; it extends into the heart of our community through various outreach programs and partnerships aimed at fostering growth and development. Our mission is simple yet profound: to empower our members through financial education and support while enhancing their overall quality of life. We believe that everyone deserves access to reliable financial resources and guidance. This is why we prioritize customer service and strive for excellence in every interaction. Whether you visit us during lobby hours or utilize our drive-thru banking options on weekdays, our team is here to assist you with respect and care. While members can visit us at our branch address, official correspondence should be sent to 3901 East 10th Street, Sioux Falls, SD 57103. We understand that convenience matters, which is why we also offer online banking options that include mobile payments and e-statements. We're not just about traditional banking; we're committed to making your banking experience as accessible as possible. As we look toward the future, we are excited about continuing our journey of growth and innovation. We aim to enhance our services further while ensuring they remain aligned with the values that brought us together community support, integrity, and member empowerment. If you're looking for a financial institution that truly cares about its members and community, consider joining Service First Federal Credit Union today! Experience firsthand the benefits of being part of a credit union that puts people before profits. Visit us or call at 605-336-1047 for more information on how you can become a member. Together, let's build a brighter financial future!

Branch Location & Accessibility

Comprehensive Services at Your Fingertips

Service First offers a wide range of banking solutions designed to meet your needs. From personal checking and savings accounts to auto loans and mortgage options, we've got you covered. Although we currently do not have ATM facilities on-site, our drive-thru allows for easy deposits and withdrawals along with other simple transactions. While members can visit us at 3901 E 10Th St Sioux Falls Sd 57103, official correspondence should be sent to our mailing address at 3901 East 10th Street, Sioux Falls, SD 57103.

Connect with Us!

Our dedicated team is here to assist you every step of the way. If you have any questions or need help with your banking needs, don't hesitate to give us a call at 605-336-1047. We invite you to stop by Service First today and discover how we can help you achieve your financial goals!

Easy Access and Parking

At Service First, we understand that accessibility is key. Our branch features ample parking, including spaces designated for those with disabilities. The building is fully ADA compliant, ensuring that everyone can access our services without hassle.

Operating Hours Tailored for You

We know your time is valuable. That's why we offer flexible operating hours to suit your busy schedule. Our lobby is open Monday and Friday from 9:00 AM to 5:30 PM and Tuesday through Thursday from 9:00 AM to 4:30 PM. For added convenience, our drive-thru service opens early at 8:00 AM on Monday and Friday and stays available until 6:00 PM.

Member Eligibility

Becoming a member of Service First is like joining a close-knit community that truly cares about your financial well-being. If you live, work, worship, or attend school in the Sioux Falls area, you're already on your way to enjoying the benefits of membership! At Service First, we believe in inclusivity and support, welcoming individuals from various backgrounds and walks of life. Not only will you gain access to a range of personalized financial services tailored just for you, but you'll also become part of an organization that prioritizes its members over profits. To explore the detailed eligibility criteria, please visit this link. Once you're ready to take the next step, opening an account is easy! You can start the process by visiting our website at this link or give us a call at (605) 336-1047 if you have any questions. We're excited to help you begin your journey with us at Service First, located conveniently at 3901 E 10Th St Sioux Falls Sd 57103. Join us today and experience the difference!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a reliable partner for your payment processing needs. Our merchant services allow you to accept payments quickly and securely, ensuring you never miss a sale. Whether you run a retail store or an online shop, our services can simplify transactions and enhance customer satisfaction. With us, you're not just getting financial products; you're gaining a partner dedicated to your success. Discover how Service First can empower your business today! For more information, call us at (605) 336-1047 or visit our website at https://www.servicefirstfcu.org/.

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $44 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $10,695,623, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently do not have ATM facilities at this branch, we offer reliable cash withdrawal services through our drive-thru banking option. This way, you can complete simple transactions like deposits and withdrawals quickly and efficiently. At Service First, we believe that banking should be straightforward and accessible. For any questions about our services or how we can help you achieve your financial goals, feel free to reach out at (605) 336-1047 or visit us online at Service First Federal Credit Union. We're excited to partner with you on your financial journey!

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options make it easier than ever. We provide competitive rates and terms that fit your budget, allowing you to drive off with confidence. Imagine getting behind the wheel of your dream car without the stress of complicated financing!

Business Banking

Entrepreneurs and small business owners will find valuable resources in our business banking services. From merchant services to business loans, we're committed to helping local businesses thrive. Whether you're starting out or looking to expand, we have solutions tailored just for you.

Credit Cards with Rewards

For those who enjoy rewards for their spending, our credit cards with rewards program allows you to earn points or cash back on purchases you already make. It's like getting paid for shopping! Use these rewards for travel, merchandise, or even statement credits.

Mortgage Loans & Refinancing

If homeownership is on your horizon or if you're considering refinancing your existing mortgage, our team is ready to assist. With mortgage loans and refinancing options, we aim to simplify the process for you. Picture yourself in a cozy home, knowing that you've made a smart financial decision with our help.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our robust online and mobile banking platforms allow you to manage your finances anytime and anywhere. Check balances, transfer funds, or pay bills right from your smartphone or computer it's all at your fingertips!

Personal Banking

We understand that managing your finances can be overwhelming at times. That's why we offer personal banking services such as checking and savings accounts designed for convenience and flexibility. Whether you're saving for a vacation or just want easy access to your money, our accounts cater to various needs.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses our way. Our personal loans can provide quick access to funds when you need them most. Additionally, if you're juggling multiple debts, consider our debt consolidation services to streamline payments and potentially save on interest.

Digital & Online Banking

Key Features

Security is a top priority at Service First. We offer electronic signature authorization, making it simple and safe to sign documents without needing to visit a branch. Plus, with e-statements available, you can view your statements online anytime saving paper and keeping your information secure. For those who prefer mobile banking, our mobile application lets you handle transactions on the go. You can even make mobile payments directly from your phone! This feature allows you to pay for goods and services conveniently while keeping track of your spending in real-time. Need to send money to friends or family? Our person-to-person transfer feature makes it straightforward. Just a few taps on your device and the money is sent instantly. At Service First, we believe in providing our members with all the tools they need for effective account management. With our digital banking services, accessing your financial information has never been easier or more secure. Join us today and experience the convenience of modern banking!

Financial Strength

Commitment to Growth and Innovation

With $16,557,875 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 $3,699 in used auto loans and $126,353,463 in total loans and leases.

Growing Trust Among Members

Total Share Accounts: 28,775, show a strong and growing member base that trusts us with their finances. With Net Shares (Funds available for lending and investments): $12,931,196, we have the ability to further support your financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Service First is your trusted partner. Visit us at 3901 E 10Th St Sioux Falls Sd 57103 or call (605) 336-1047 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $20,752,231 in share certificates and $8,972,842 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 $237,671 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 60 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $17,178,082, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 8.59% 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 $58,241,215 in used vehicle loans and $21,924,717 in new vehicle loans already helping members get on the road, you can drive away with confidence knowing you're making a smart financial choice.

Credit Lines

For those needing flexibility in their finances, our total credit lines amount to $38,849,423. This can provide a safety net for unexpected expenses or ongoing projects without the hassle of applying for multiple loans.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Property loans totaling $4,556,211, ensuring that you have access to competitive rates and terms that fit your budget.

Unsecured Credit Card Loans

We also understand that managing everyday expenses can be easier with a reliable credit card. While we currently do not have outstanding unsecured credit card loans available, our team is happy to discuss other financing options that may suit your needs. Our commitment extends beyond just providing funds; we offer refinancing options tailored to fit your situation if you're looking to lower your monthly payments or consolidate debt. For more information on our loan products or eligibility options, feel free to visit us online at Service First or stop by our branch. 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 how Service First can support your journey towards financial wellness today!

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SERVICE FIRST FEDERAL CREDIT UNION - Sioux Falls, SD

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