Service One Credit Union Scottsville KY | Best Auto Loans & Business Banking

Introduction

At Service One, we believe in building a stronger community through financial empowerment. Located at 361 Old Gallatin Rd, Scottsville, KY 42164, our dedicated team has been serving members since 1963. With a total membership of 17,166, we pride ourselves on being more than just a financial institution; we are a trusted partner in your financial journey. Our commitment to you is reflected in our impressive financial standing, with total assets amounting to $276,712,172 and total deposits reaching $15,831,817. We understand the importance of trust when it comes to handling your money, which is why our net worth stands strong at $23,423,233, ensuring that your investments are secure with us. With a total of 17,293 loans and leases issued, we are here to help you achieve your dreams whether that's buying a new home or financing your next vehicle. Led by our passionate CEO, Rebecca Stone, and Board President J. Pat Stewart, our team of 67 employees is dedicated to providing exceptional service tailored to meet your unique needs. While members can visit us at our Scottsville branch for personal banking services including checking and savings accounts, auto loans, mortgages, and more official correspondence should be sent to our mailing address at PO Box 51770, Bowling Green, KY 42102-6770. With features like online banking and mobile access available through our website at www.socu.com, managing your finances has never been easier. Whether you're looking for advice on loans or just need assistance with everyday banking tasks, we're here for you. Visit us today or call us at 270-796-8500 to discover how we can support you in achieving your financial goals. At Service One Credit Union, your success is our mission!

Branch History & Mission

Welcome to Service One, where our journey began in 1963 right here in Scottsville, KY. Over the years, we've grown from a small credit union into a trusted financial partner for over 17,000 members. Our branch, located at 361 Old Gallatin Rd, Scottsville, KY 42164, has become a community staple, providing essential banking services and fostering financial wellness among our members. From our humble beginnings, we have consistently focused on empowering our community through accessible financial solutions. With total assets reaching an impressive $276,712,172, we are proud to support not just individual members but also local businesses and initiatives that make Scottsville a better place to live. We understand that every member's financial journey is unique, which is why we offer a wide range of services including personal checking and savings accounts, auto loans, mortgages, and business banking options. At Service One, our mission is clear: to provide high-quality financial services while strengthening our community ties. We are dedicated to ensuring that our members have the resources they need to achieve their financial goals. Our commitment extends beyond banking; it includes actively participating in local events and supporting charitable causes that matter to you. While you can easily visit us at our branch for all your banking needs during our operating hours of Monday to Friday from 8:00 AM to 5:00 PM, we also embrace modern technology to enhance your experience. From online banking and e-statements to mobile applications, we strive to meet the needs of every member with ease and convenience. For official correspondence, please note that you can reach us at PO Box 51770, Bowling Green, KY 42102-6770 if needed. Whether you're using our convenient ATM services or taking advantage of drive-thru banking for quick transactions, we're here for you every step of the way. Join us at Service One and experience firsthand how we can help you achieve your financial dreams while being an integral part of the Scottsville community. Together, let's build a brighter future! For more information on membership eligibility or to start your journey with us today, visit Service One.

Branch Location & Accessibility

Contact Us

Our friendly team is just a phone call away at 270-796-8500 if you have any questions or need assistance before your visit. While members can visit us at 361 Old Gallatin Rd, official correspondence should be sent to PO Box 51770, Bowling Green, KY 42102-6770. We invite you to come in and experience the personal touch that Service One provides. Whether you're looking to open an account or explore loan options, we're excited to assist you on your financial journey!

Nearby Landmarks and Accessibility

Nestled near local favorites and community landmarks, our Scottsville Office is just a stone's throw away from the vibrant downtown area. This central location means that you can easily fit a visit to our branch into your busy day. We offer ample parking right outside for easy access, and our facility is fully ADA compliant, ensuring that everyone can enjoy our services without hassle.

Operating Hours and Services

We understand that your time is valuable. That's why we're open Monday through Friday from 8:00 AM to 5:00 PM, providing plenty of opportunities for you to visit us. If you're in a hurry, take advantage of our drive-thru service for quick transactions like deposits and withdrawals. Plus, we have an ATM available for when you need cash on the go.

Member Eligibility

At Service One, we believe that everyone deserves a chance to join our friendly and supportive community. Becoming a member is simple and rewarding! If you live, work, or worship in the area, you're likely eligible for membership. We welcome individuals and families alike, ensuring that everyone can take advantage of our personalized services designed to help you achieve your financial goals. You can find the detailed eligibility criteria by visiting this link. Joining is just the beginning of your journey with us! At Service One, located at 361 Old Gallatin Rd Scottsville Ky 42164, we offer a variety of products and services to help you manage your finances better. Whether it's checking and savings accounts, auto loans, or mortgage options, we've got something for everyone. Ready to open an account? It's as easy as giving us a call at (270) 796-8500 or visiting our website for more information about account opening details. We can't wait 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 $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

In addition to loans, our merchant services simplify payment processing for businesses. Imagine a busy day at your store where customers can pay seamlessly using various methods credit cards, mobile payments, or online transactions. Our services ensure you spend less time worrying about transactions and more time focusing on your business goals. At Service One, we are dedicated to being your partner in success. Whether you're looking for funding or efficient transaction solutions, we have the tools to help you grow. Reach out today at (270) 796-8500 to learn more!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

When it comes time for cash withdrawals, enjoy easy access through our ATM services located right here at Service One and throughout the area. Our ATMs support basic functions like balance checks and withdrawals so that getting cash is quick and simple.

Auto Loans & Vehicle Financing

Planning to buy a new car? Our auto loans and vehicle financing options are designed to make your purchase easier. Picture driving off the lot in your dream car with competitive rates and terms that suit your budget. Plus, if you're looking to refinance an existing auto loan, we can help streamline that process too.

Business Banking

For our business members, we provide comprehensive business banking services, including merchant services and business loans. Whether you're starting a new venture or looking for ways to expand an existing business, we're dedicated to helping local entrepreneurs succeed.

Credit Cards with Rewards

We also offer credit cards with rewards, allowing you to earn points on everyday purchases. Imagine racking up rewards just by using your card for groceries or gas it's an effortless way to save on future expenses while enjoying the benefits of membership.

Drive-Thru Banking

If you're in a hurry but still need assistance with deposits or withdrawals, take advantage of our basic drive-thru banking services. It's perfect for busy individuals who appreciate efficiency without sacrificing service quality. Ready to explore all these great offerings? Visit us at Service One today or give us a call at (270) 796-8500! We're excited to help you achieve your financial goals!

Mortgage Loans & Refinancing

For those considering homeownership or needing to refinance an existing mortgage, our mortgage loans provide flexible solutions tailored for you. With various options available, you can find a plan that aligns perfectly with your financial goals. We understand how important it is to have a place to call home, and we're here to assist every step of the way.

Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why online and mobile banking features allow you to manage your finances from anywhere at any time. Check balances, transfer funds, pay bills, or even send money person-to-person all from the palm of your hand.

Personal Banking

Starting with personal banking, we offer various checking and savings accounts designed to fit any lifestyle. Imagine opening a checking account that provides easy access to your funds with no monthly fees perfect for daily transactions or unexpected expenses. With our savings accounts, you can watch your money grow over time while having the flexibility to withdraw when necessary.

Personal Loans & Debt Consolidation

If life throws you a curveball, our personal loans and debt consolidation services can help ease financial stress. Whether it's funding a family vacation or consolidating multiple debts into one manageable payment, our friendly staff is ready to discuss options that work best for you.

Digital & Online Banking

Anytime, Anywhere Banking

Whether you're at home, at work, or out and about, Service One ensures that your banking needs are met with ease. Our commitment to providing exceptional digital services means you can manage your accounts in real-time without missing a beat. In summary, at Service One, our digital and online banking services are tailored for convenience and peace of mind. Join us today and experience banking designed for today's world!

Convenient Online Access

With our online banking platform, you can take control of your finances right from the comfort of your home or on the go. Our 24/7 online banking services let you check balances, pay bills, and transfer funds at any time. Plus, we offer person-to-person transfers, making it simple to send money to friends or family with just a few clicks.

Security First

Security is our top priority. With electronic signature authorization available, signing documents online is safe and straightforward. You can also choose to receive e-statements, which not only helps you stay organized but also adds an extra layer of security by reducing paper waste.

User-Friendly Features

Our mobile application is another fantastic tool for staying on top of your financial game. Available for download, it offers a user-friendly interface that makes banking a breeze. You can access all the features of online banking right from your smartphone, ensuring you're always connected.

Financial Strength

Investments in Growth

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 is illustrated by the $2,757 in used auto loans and $222,279,456 in total loans and leases, supporting our members' financial goals across various sectors.

Member Savings Security

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.

Operational Efficiency

Our commitment to efficiency is reflected in our $433,223 which allows 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.

Our Financial Health

With a net worth of $23,423,233, we maintain robust 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.

Strong Member Base

Total Share Accounts stand at 31,327, showing a strong and growing member base that trusts us with their finances. This trust reflects our dedication to transparency and reliability. 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 361 Old Gallatin Rd Scottsville Ky 42164 or call (270) 796-8500 to learn more about how we can help you achieve your financial goals.

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 provide flexible terms and financing options for both new and used vehicles to make your car-buying experience as smooth as possible.

Business Financing

For business owners, our outstanding commercial loans totaling $1,529,332 provide the capital needed to grow and expand. Whether you're looking for equipment financing or working capital, we are here to support your business endeavors.

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 offer various programs tailored to your needs, whether you are a first-time buyer or looking to refinance your current home loan.

Refinancing Options

If you're considering refinancing any of your existing loans, our team is ready to assist you in exploring eligibility options that may benefit you financially. We are committed to finding the right solution for every member's unique situation. For more information about our loan products or to start your membership with us, feel free to contact us at (270) 796-8500 or visit us at 361 Old Gallatin Rd Scottsville Ky 42164 in Scottsville, KY. 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!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,876,072 in loans helping members manage their finances effectively. Our credit cards come with attractive rewards and features that can help you save money while enjoying your purchases.

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Service One