Service First Credit Union Sioux Falls SD | Affordable Vehicle Loans & ATM Services

Introduction

At Service First, we believe that financial growth begins with strong community ties and personalized service. Located at 3600 S Kiwanis Ave, Sioux Falls, SD 57105, our branch has been serving our members since 1934, establishing a legacy of trust and support in the heart of the community. With a dedicated team of 62 employees led by our CEO, Travis Kasten, and Board President, Kyle Scholten, we are committed to providing exceptional banking experiences tailored to your needs. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address. As a member-focused credit union, we proudly serve over 17,455 members and manage total assets of approximately $200,051,859. Our commitment to helping you achieve your financial goals is reflected in our wide range of services from personal banking solutions like checking and savings accounts to auto loans and business financing. With total deposits reaching $26,004,201 and a net worth of $17,178,082, Service First is not just about numbers; it's about creating lasting relationships with our members. We understand that each financial journey is unique, which is why we offer personalized guidance every step of the way. We invite you to explore what makes us different. Whether you're looking for a new auto loan or seeking advice on managing your finances, we're here to help. Don't hesitate to reach out to us at 605-357-8085 or visit our website at servicefirstfcu.org to learn more about how we can assist you on your financial journey. Your future starts here!

Branch History & Mission

At Service First, our story began in 1934, a year that marked the start of a journey dedicated to serving the community of Sioux Falls, SD. From humble beginnings, we have grown into a trusted financial institution with a proud legacy that spans decades. Today, we are located at 3600 S Kiwanis Ave, right in the heart of Sioux Falls. This accessible location ensures that our members can easily visit us for their banking needs. Over the years, Service First has achieved significant milestones and built strong relationships within our community. With a total membership of over 17,455 individuals and total assets amounting to $200,051,859, we have become a cornerstone for those seeking reliable financial services. Our mission is clear: to empower our members through personalized banking solutions while fostering a supportive environment that gives back to the community. Our operating hours are designed to accommodate busy lifestyles: Monday through Friday from 9:00 AM to 4:30 PM for lobby services and extended drive-thru hours from 8:00 AM to 5:30 PM. We also offer Saturday services from 9:00 AM to 1:00 PM. While members can visit us at our branch address for transactions and inquiries, official correspondence should be sent to our mailing address at 3600 South Kiwanis Avenue, Sioux Falls, SD 57105. Service First is committed not only to providing exceptional financial services but also to enhancing the quality of life in Sioux Falls through various outreach programs and partnerships. We understand that our success is tied directly to the well-being of our community. This belief drives us as we strive to create opportunities and support local initiatives. In addition to traditional banking products like checking accounts and auto loans, we embrace technology with online banking and mobile payment options. Our ADA-compliant facilities ensure everyone has access to our services without barriers. We take pride in offering simple yet effective solutions tailored to meet the diverse needs of our members. If you're looking for a credit union that prioritizes people over profits while being deeply rooted in the community, we invite you to join Service First. Experience firsthand how we can help you achieve your financial goals while making a positive impact on those around us. For more information or to become a member today, give us a call at 605-357-8085 or visit our website. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility Features

At Service First, we prioritize accessibility for all our members. Our branch is fully ADA compliant, featuring ramps and easy entry points so everyone can comfortably access our services. We also provide a drive-thru option for those who prefer to bank from their vehicles, allowing for quick and efficient transactions without leaving your car.

Finding Us

You can find us just a stone's throw away from popular local spots like the Falls Park and the lively shops along 41st Street, making it simple to combine your banking visit with other errands or leisure activities. Our location offers ample parking, ensuring that you have a hassle-free experience when you arrive.

Operating Hours

We understand that life can be busy, which is why our operating hours are tailored to fit your schedule. Our lobby is open Monday through Friday from 9:00 AM to 4:30 PM and on Saturday from 9:00 AM to 1:00 PM. If you're using our drive-thru service, we're available Monday through Friday from 8:00 AM to 5:30 PM.

Services Offered

At Service First, we offer a wide range of banking services including personal checking and savings accounts, auto loans, mortgage refinancing, and business banking solutions. While we don't have ATMs at this location, our drive-thru services can handle deposits, withdrawals, and simple transactions efficiently. If you need assistance or have questions about our services, feel free to give us a call at 605-357-8085. We invite you to come by the Southwest Branch today! Let us help you make the most of your financial journey.

Member Eligibility

Becoming a member of Service First feels like joining a family where everyone supports each other in achieving their financial goals. If you live, work, worship, or attend school in Minnehaha County, or if you're a family member of someone who does, you're already on the right track to becoming part of our community! We believe in making banking accessible and friendly, which is why we invite you to explore all the benefits that come with membership like lower fees, competitive loan rates, and personalized service. To find out more about eligibility details and ensure you meet the criteria, feel free to visit our website at http://www.servicefirstfcu.org/membership. Once you're ready to take the next step towards joining us at Service First, opening an account is simple! Just head over to http://www.servicefirstfcu.org/apply for straightforward instructions on how to get started. If you have any questions along the way, don't hesitate to call us at (605) 357-8085. We can't wait to welcome you into our community at 3600 S Kiwanis Ave Sioux Falls Sd 57105!

Business Banking & Commercial Services

Commercial Loans for Every Business Stage

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.

Merchant Services That Work for You

We know that managing payments can be complex. Our merchant services simplify this process, allowing you to focus on what matters most running your business. Whether you need point-of-sale solutions or online payment options, our services are designed to enhance your customer experience while streamlining operations. Located at 3600 S Kiwanis Ave Sioux Falls Sd 57105 in Sioux Falls, SD, we invite you to reach out at (605) 357-8085 to explore how our business banking solutions can meet your unique needs. Let's work together to fuel your success!

Comprehensive List Of Services

Business Banking Services

For business owners in Sioux Falls, our business banking services include merchant solutions and business loans tailored to help you grow. We understand the unique challenges that come with running a business, so we provide personalized support along the way.

Digital Banking Convenience

In today's fast-paced world, having access to your accounts online is crucial. At Southwest Branch, we pride ourselves on offering robust online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can manage accounts, transfer funds, pay bills, and more all from the comfort of your home or on the go. Additionally, our services extend beyond traditional banking with features like ATM and cash withdrawal services, ensuring you're never far from your money. And if you prefer face-to-face interactions but still value convenience, our drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle.

Get Started Today!

We invite you to experience all that Service First has to offer. For questions or more information about any of our services at our branch located at 3600 S Kiwanis Ave Sioux Falls Sd 57105, feel free to reach out by phone at (605) 357-8085. Join us today and take control of your financial future! Visit us online at http://www.servicefirstfcu.org for additional details or to get started with an account.

Personal Banking Solutions

Our personal banking services start with checking and savings accounts that fit various lifestyles. Imagine having easy access to your funds while earning interest on your savings this is exactly what we offer. If you're considering purchasing a new car, our auto loans and vehicle financing options make it simple and affordable, allowing you to hit the road without breaking the bank. For those looking to invest in their dream home, we provide comprehensive mortgage loans and refinancing solutions. Our team is here to guide you through every step, ensuring you understand your options fully. Additionally, if you're managing debt or looking for some extra cash, our personal loans and debt consolidation services can help streamline your finances.

Rewarding Credit Options

When it comes to spending wisely, our credit cards with rewards offer great benefits. You can earn points for everyday purchases, which can be redeemed for travel, merchandise, or cash back. It's a smart way to make your money work for you!

Digital & Online Banking

24/7 Availability

Our commitment to serving you doesn't stop after hours. With 24/7 online banking services, you can access your account whenever it suits you best. Whether it's late at night or early in the morning, we're here for you.

Convenient Online Banking

With our online banking platform, you can check balances, transfer money, and pay bills anytime you need. Enjoy the peace of mind that comes with knowing your financial information is protected by top-notch security measures. Our user-friendly interface makes navigating through your accounts a breeze, allowing you to manage your finances effortlessly.

Easy Money Transfers

Need to send money to a friend? With our person-to-person transfer feature, sending and receiving money is instant and hassle-free. It's perfect for splitting bills or sending gifts without any fuss.

Go Paperless with E-Statements

Say goodbye to cluttered mailboxes! We offer convenient e-statements, which are available for all members. These secure digital statements not only help you keep track of your account activity but also promote environmental sustainability by reducing paper waste.

Mobile Access Anytime, Anywhere

For those who prefer to bank on their smartphones, our mobile application is available for download. This app allows you to handle all your banking needs right from the palm of your hand whether it's making deposits, checking balances, or setting up alerts. Plus, our mobile payments feature means you can make quick payments without needing cash or cards.

Security You Can Trust

We prioritize your security with electronic signature authorization for transactions that require an extra layer of protection. Rest easy knowing that your sensitive information is safe with us as you enjoy all the benefits of modern banking. Explore how Service First can simplify your banking experience today! Visit us at servicefirstfcu.org and take control of your finances like never before.

Financial Strength

At Service First, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's world, having a reliable partner for your financial needs is crucial. That's why we are proud to share our strong financial position with you. With a net worth of $17,178,082, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 859% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. 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 commitment to lending is evident; with $126,353,463 in total loans and leases and $3,699 in used auto loans, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $620,207, which enables 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. With 12,931,196 in net shares available for lending and investments and a strong member base represented by 28,775 total share accounts, Service First stands out as a trusted partner for your financial journey. 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 3600 S Kiwanis Ave Sioux Falls SD 57105 or call 605-357-8085 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. Whether you are purchasing a new vehicle or looking for a reliable used one, our competitive financing options ensure you can drive away with peace of mind.

Business Financing

For business owners, our outstanding commercial loans totaling $10,695,623 provide the capital needed to grow and expand your business. We understand that having access to funds can be crucial for success in today's market. We are committed to ensuring that our members have access to financial solutions that suit their needs. If you're considering refinancing or want to learn more about eligibility options for any of our loan products, feel free to reach out to us at 605-357-8085 or visit us at 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. We look forward to helping you navigate your financial journey!

Credit Lines and Unsecured Loans

For those looking for flexibility in managing their finances, we provide credit lines totaling $38,849,423. Additionally, we also offer flexible terms on unsecured credit card loans; however, currently there are no outstanding amounts available in this category. These options allow our members to access funds when needed without the constraints of traditional loans.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,556,211, make buying or refinancing simple. We're here to guide you through every step of the process and help you find the right loan for your situation.

Loan Aggregator

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This direct sourcing guarantees that all loan offers are legitimate and adhere to strict regulatory guidelines, ensuring fair and transparent offers for all users.

SERVICE FIRST FEDERAL CREDIT UNION - Sioux Falls, SD

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