Service One Credit Union Glasgow KY | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Service One, your trusted financial partner located at 116 Ensminger Dr, Glasgow, KY 42141. Since our establishment in 1963, we have proudly served our community with a commitment to providing exceptional banking solutions tailored to your needs. With a total membership of over 17,000 members, we understand the importance of building strong relationships based on trust and reliability. At Service One, we take pride in our financial strength, boasting total assets of $276,712,172 and total deposits of $15,831,817. Our dedicated team is here to support you whether you're looking for personal banking services like checking and savings accounts or financing options such as auto loans and mortgages. We also provide business banking solutions including merchant services and business loans to help local businesses thrive. Our leadership team, headed by CEO Rebecca Stone and Board President J. Pat Stewart, brings years of experience and dedication to ensure that our members receive the best service possible. With a focus on community impact, we strive to make a positive difference in the lives of those we serve. While members can visit us at 116 Ensminger Dr, official correspondence should be sent to our mailing address at PO Box 51770, Bowling Green, KY 42102-6770. We invite you to explore our wide range of services available online at Service One's website, where you can easily manage your accounts through online banking or apply for loans from the comfort of your home. If you have any questions or need assistance, please don't hesitate to reach out by calling us at 270-796-8500. Join us today and discover how Service One can help you achieve your financial goals!

Branch History & Mission

Service One has been a cornerstone of financial support in Glasgow, KY, since its opening in 1963. Over the years, we have grown alongside our community, becoming more than just a credit union; we are a trusted partner in our members' financial journeys. With a total membership of over 17,000 and assets reaching $276,712,172, we continue to adapt and thrive, ensuring that we meet the diverse needs of our members. Located at 116 Ensminger Dr, Glasgow, KY 42141, our branch is easily accessible for those in the area. Just a stone's throw from local landmarks and nestled within the heart of Barren County, we invite our members to drop by and experience firsthand the welcoming atmosphere that defines Service One. For any official correspondence, please send it to our mailing address at PO Box 51770, Bowling Green, KY 42102-6770. At Service One, our mission is clear: to provide exceptional financial services while supporting our community's growth and well-being. We offer a wide range of services including checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing options, personal loans for debt consolidation, as well as business banking solutions. We believe that financial empowerment leads to stronger communities. Our commitment goes beyond banking; we actively engage with local organizations and initiatives that uplift our neighbors. Whether through educational workshops or community events, we strive to make a positive impact on the lives of those around us. We take pride in being ADA compliant and continuously seek ways to enhance accessibility for all members. In today's fast-paced world, we also embrace digital advancements. Members can easily access online banking services and mobile applications designed for their convenience. Our ATM availability ensures you have quick access to your funds whenever needed. As part of our dedication to service excellence, we provide drive-thru banking options for your convenience. Our team is always ready to assist you during our operating hours Monday through Tuesday and Friday from 8:00 AM to 4:30 PM; Wednesday and Thursday from 8:00 AM to 5:00 PM; and Saturday from 8:00 AM to 12:00 PM. Join us at Service One and become part of a family that truly cares about your financial health and community welfare. Let us support you in achieving your goals whether big or small because together we can build a brighter future for everyone in Glasgow. Visit us today or call us at 270-796-8500 for more information!

Branch Location & Accessibility

Accessibility Features

At Service One, we prioritize accessibility for all our members. The branch is fully ADA compliant, featuring ramps and designated parking spaces to ensure everyone can visit us comfortably. If you're on the go, take advantage of our drive-thru banking services for quick transactions without leaving your car.

Operating Hours

We understand that life can get busy, which is why we offer flexible hours to fit your schedule. You can visit us Monday through Tuesday and Friday from 8 AM to 4:30 PM, Wednesday and Thursday from 8 AM to 5 PM, and even Saturday mornings from 8 AM to 12 PM. If you have any questions or need assistance, feel free to call us at 270-796-8500 during those hours.

Services Offered

Whether you're looking for personal banking options like checking and savings accounts, auto loans, or even mortgage refinancing, we've got you covered. We also provide business banking services and basic ATM access for your convenience. Plus, with our single ATM on-site, you can easily manage your cash needs. While members can visit us at 116 Ensminger Dr Glasgow Ky 42141, official correspondence should be sent to PO Box 51770 in Bowling Green if needed. So why wait? Come by Service One today or give us a call! We look forward to helping you with all your financial needs!

Member Eligibility

At Service One, we believe that everyone deserves to be part of a welcoming and supportive community. Becoming a member is simple and open to anyone who lives, works, or worships in our area. We also encourage family members of current members to join us. This means that if you're looking for personalized financial services and a sense of belonging, you're in the right place! You can learn more about the specific eligibility criteria by visiting our website at http://www.socu.com/start-your-membership . Opening an account with us is just as easy as becoming a member! Whether you're interested in checking and savings accounts, auto loans, or other services, we're here to help. To get started, simply give us a call at (270) 796-8500 or check out the details on how to open an account at https://www.socu.com/auto-loans . Join us at Service One, located at 116 Ensminger Dr Glasgow Ky 42141, and take the first step towards better banking today!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $6 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $139 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,529,332, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having the ability to accept payments seamlessly while focusing on what you do best running your business. Our merchant services provide practical solutions that make transactions easier for both you and your customers. From credit card processing to point-of-sale systems, we ensure you have the tools necessary to keep your cash flow steady and efficient. Join us at Service One, located at 116 Ensminger Dr Glasgow Ky 42141, where we believe that your success is our success. Together, let's build a brighter future for your business! For more information, give us a call at (270) 796-8500 or visit our website at https://www.socu.com/ .

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our ATM services allow for easy withdrawals and balance checks without stepping inside the branch. Plus, if you prefer face-to-face interactions for simple transactions like deposits or withdrawals, our basic drive-thru banking service is available to accommodate your busy schedule. At Service One, we believe in making banking as straightforward as possible. To learn more about how we can assist you with any of these services or if you're ready to open an account today, don't hesitate to contact us at (270) 796-8500 or visit us online at our website. We're excited to support you on your financial journey!

Business Banking Solutions

For our business members, we offer comprehensive services like merchant services and business loans that support growth and efficiency. We know running a business comes with its challenges, so we're here to simplify your banking experience.

Credit Cards with Rewards

Shopping should be rewarding! With our credit cards that come with rewards, you can earn points on every purchase, making it easier to treat yourself while managing expenses wisely.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services. Access your accounts anytime, anywhere, through our secure online platform or mobile app. You can manage your accounts, pay bills, transfer money through person-to-person payments, and more all at the touch of a button.

Loans for Every Need

When life presents unexpected expenses or opportunities, having access to financing can make all the difference. At Service One, we provide an array of loan options. If you're looking to purchase a new vehicle, our auto loans and vehicle financing can help get you behind the wheel with competitive rates and flexible terms. For those dreaming of homeownership or considering refinancing, our mortgage loans offer solutions that cater to your unique financial situation. Additionally, our personal loans can assist with debt consolidation or other personal needs.

Personal Banking

We understand that managing your finances is essential for achieving your goals. That's why we offer various personal banking options, including checking and savings accounts designed to fit your lifestyle. Whether you need a basic account for everyday transactions or a savings account to help you grow your funds, we've got you covered.

Digital & Online Banking

Key Features

One of the standout features at Service One is the ability to sign documents electronically. Our electronic signature authorization makes it simple for you to complete transactions without needing to visit a branch. This means less time waiting and more time enjoying what matters most to you. E-statements are another great service we offer. You can opt for electronic statements instead of paper ones, which not only helps the environment but also allows you to access your account information quickly and securely. If you're always on the go, you'll appreciate our mobile application. It puts all the power of online banking right in your pocket. From person-to-person transfers to monitoring your spending, everything is streamlined for ease of use. Plus, with our mobile payments feature coming soon, you'll be able to pay your favorite merchants right from your phone! At Service One, we prioritize your security while providing these convenient features. We know that managing your money should be stress-free and straightforward. That's why we've created an experience that allows you to handle your finances effortlessly no matter where life takes you. Join us today at Service One and discover how our digital banking solutions can enhance your financial journey!

Financial Strength

Growing Member Base

We have a strong and growing member base that trusts us with their finances, evidenced by our total share accounts of 31,327. This reflects not only the trust our members place in us but also our dedication to meeting their diverse banking needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Service One is your trusted partner. Visit us at 116 Ensminger Dr Glasgow Ky 42141 or call (270) 796-8500 to learn more about how we can help you achieve your financial goals.

Investment in Member Services

With $22,245,342 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 $2,757 in used auto loans and $222,279,456 in total loans and leases.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $433,223, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 53 full-time employees and 14 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $65,168,059 in share certificates and $8,025,072 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $23,296,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $23,423,233, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $845 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 $36,229,835 in used vehicle loans and $7,011,585 in new vehicle loans already helping members get on the road. We also provide refinancing options to make your payments even more manageable.

Business Financing

For business owners, our outstanding commercial loans totaling $1,529,332 provide the capital needed to grow and expand. We believe in supporting local businesses and are dedicated to helping you succeed. At Service One in Glasgow (116 Ensminger Dr), we prioritize your financial wellbeing. If you're interested in any of these loan products or would like to learn more about eligibility options, feel free to give us a call at 270-796-8500. 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're here to help you navigate your financial needs with confidence!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $21,589,569, make buying or refinancing simple. We're here to guide you through the process so you can focus on what matters most.

Unsecured Credit Card Loans

Managing everyday expenses just got easier with our flexible unsecured credit card loans. With a total of $5,876,072 in unsecured credit card loans available, we help our members effectively manage their finances without the burden of high-interest rates.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and accuracy, LendMesh is designed to help users make informed decisions about their borrowing options. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means that the loan offers displayed are not only reliable but also reflect the most current market conditions (Source: https://www.ncua.gov ). By working with verified financial institutions, LendMesh guarantees fair and transparent offers for all users. One of the standout features of LendMesh is its commitment to providing verified data. All loan offers come from legitimate financial institutions, which fosters trust and security in the comparison process. Additionally, LendMesh operates without sponsored listings; lenders are not prioritized based on paid promotions, ensuring that users receive truly unbiased results. With real-time rate comparisons, LendMesh provides up-to-date information from multiple institutions. This feature is essential for those looking to find the best rates quickly and efficiently. Thousands of users have already benefited from this tool. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" For anyone looking to navigate the complex world of loans, LendMesh is an invaluable resource. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

SERVICE ONE CREDIT UNION