Servus Credit Union delivers personal checking, savings accounts, mortgage lending, auto loans, and business banking with the care and attention only a member-owned institution can provide. Access your accounts anytime through secure online and mobile banking.
From everyday checking to long-term lending, Servus Credit Union has the accounts and tools to help you reach your financial goals.
Free checking with no monthly maintenance fees, no minimum balance, and access to 30,000+ surcharge-free ATMs nationwide.
View checking optionsBuild your future with high-yield savings accounts and competitive certificate rates. Earn more while keeping your money accessible and secure.
Explore savings accountsFixed-rate, ARM, FHA, and VA home loans with local underwriting. First-time homebuyer programs and refinancing options available.
See mortgage ratesCompetitive rates on new and used vehicle loans. Refinance your existing auto loan and potentially lower your monthly payment.
Check auto loan ratesBusiness checking accounts, commercial lending, SBA loans, and merchant services designed for small and mid-sized businesses.
Business banking solutionsManage your accounts 24/7 with online and mobile banking. Pay bills, deposit checks, transfer funds, and set custom alerts from any device.
Access digital bankingSwitching to Servus Credit Union saved me over $400 a year in fees compared to my old bank. The online banking platform is intuitive and the mobile app lets me deposit checks in seconds.
— Elena Vasquez, Small Business Owner, Austin TX
I financed my first home through Servus and the mortgage team walked me through every step. They found a first-time buyer program I didn't know existed and closed in under 30 days.
— Marcus Chen, Software Developer, Portland OR
As someone who travels frequently, having reliable mobile banking with real-time alerts gives me peace of mind. The customer support team responds quickly whenever I have a question about a transaction.
— Priya Sharma, Healthcare Consultant, Raleigh NC
Opening an account with Servus Credit Union is straightforward. You can start the process online through our secure application portal, visit any branch location in person, or call member services at (866) 445-7200. You will need a government-issued photo ID, your Social Security number, and an initial deposit of at least $25 for a share savings account, which establishes your membership. Most applications are processed within one business day, and you will receive your account details and debit card within 5 to 7 business days.
The key difference is ownership structure. Servus Credit Union is a not-for-profit, member-owned cooperative, while traditional banks are for-profit corporations owned by shareholders. This means credit union profits are returned to members through lower loan rates, higher savings yields, and reduced fees. Every member who opens a share savings account becomes a partial owner with voting rights at the annual meeting. Credit unions like Servus also tend to have stronger community ties and more personalized service since decisions are made locally rather than at a distant corporate headquarters.
Yes. Servus Credit Union participates in the CO-OP Shared Branch network, giving members access to over 30,000 surcharge-free ATMs across the United States. Additionally, our checking accounts reimburse up to $15 per month in out-of-network ATM fees charged by other institutions. You can find nearby ATMs using the locator tool in the Servus mobile banking app or on our website. Shared branching also lets you conduct basic transactions at participating credit union branches nationwide.
Servus Credit Union employs multiple layers of security to protect your online banking experience. These include 256-bit SSL encryption for all data transmission, multi-factor authentication requiring a one-time code sent to your registered device, automatic session timeout after inactivity, real-time fraud monitoring that flags unusual transaction patterns, and optional account alerts that notify you of every login attempt and transaction. Deposits are federally insured by the NCUA up to $250,000, and we maintain compliance with all FFIEC guidance on internet banking authentication.
Servus Credit Union considers each loan application individually, looking beyond just your credit score. Our lending team reviews your full financial picture, including income, employment stability, debt-to-income ratio, and the purpose of the loan. We offer credit-builder loans designed specifically to help members establish or rebuild credit, as well as secured loan options that may be easier to qualify for. Our loan officers work with you to find solutions that fit your situation, and we report payment history to all three major credit bureaus so responsible repayment helps improve your credit profile over time.
The Servus mobile banking app provides the same core functionality as the desktop platform but optimized for smartphones and tablets. You can view account balances and transaction history, transfer funds between accounts, pay bills, deposit checks using mobile capture, and manage account alerts. The mobile app adds features like fingerprint and face recognition login for faster access, push notifications for real-time transaction alerts, and a card controls feature that lets you temporarily lock your debit card if it is misplaced. Both platforms use the same login credentials and synchronize data in real time, so changes made on one device appear immediately on the other.
Servus Credit Union offers a range of business banking products for organizations of all sizes. Business checking accounts include options with transaction-based pricing or flat monthly fees, both with online banking and mobile access. We provide business savings and money market accounts that earn competitive interest, commercial real estate loans for property acquisition or refinancing, SBA 7(a) and 504 loan programs, equipment financing, lines of credit for working capital, and merchant card processing services. Each business account includes dedicated support from a relationship manager who understands your industry and can help structure the right financial package.
Join thousands of members who trust Servus Credit Union for checking, savings, loans, and personalized financial guidance. Open your account online or visit a branch today.
Become a Member Today