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Service One Credit Union Share
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Overview Share
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Service One Credit Union is a federally insured state credit union based in Bowling Green, Kentucky. It has been opened since 1963, for 59 years.

With around $161,060,000 in assets, Service One Credit Union is considered to be a large credit union. It has 4 branches and 4 ATM locations.

About Share
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Address Po Box 51770
Bowling Green, Kentucky 42102
Website http://www.socu.com
Phone (270) 796-8500
Fax (270) 796-9184
CEO Rebecca S. Stone
President of the Board Harold Little, Jr.
Services Offered
Score Card Share
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59 years
Years in business
Opened in 1963
Well Capitalized
Net worth classification
Source: NCUA
15,750 members
Membership type: State chartered natural person credit union
Above average number of members
300:1
Credit union member to staff ratio
300 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$161,057,410
Total assets
Above average
4 branches
Compared with an average of 4 nationally and 3 in Kentucky
Above average number of branches
0.05%
Savings interest rate
Compared to 0.3% nationally
10.25%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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4 branches
Compared with an average of 4 nationally and 3 in Kentucky
Above average number of branches
Service One Credit Union Branch Locations

Service One Credit Union: Glasgow Office
116 Ensminger Drive
Glasgow, Kentucky 42141
ATM Available
Service One Credit Union: Campus Office
422 College Heights Boulevard
Bowling Green, Kentucky 42101
ATM Available
Service One Credit Union: Bypass Office
543 US 31W Byp
Bowling Green, Kentucky 42101
ATM Available
Service One Credit Union: Campbell Lane Office
1609 Campbell Lane
Bowling Green, Kentucky 42104
ATM Available
Members Share
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15,750 members
Membership type: State chartered natural person credit union
Above average number of members

With 15,750 members, the Service One Credit Union is considered to be a large credit union. It is larger than 78% of credit unions.

Fees Share
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$170
Average fee per member
The average fee per member at the Service One Credit Union is $170, which is very high compared to most credit unions. This rate is higher than 98% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Service One Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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300:1
Credit union member to staff ratio
300 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
52 staff members
FTE (full-time equivalent)
12% of employees are part-time
49 full-time, 7 part-time

Service One Credit Union has 49 full-time staff members and 7 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 88% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Service One Credit Union has around 300 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
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$161,057,410
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
12.2%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$9,147
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 41% of credit unions.

Service One Credit Union holds a total of $115,550,000 in loans and leases, which is about $9,147 per member on average.

Savings interest rate Share
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0.05%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Service One Credit Union pays 0.05%.

Loan rates Share
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10.25%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.90%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
2.50%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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2.89%
New car loan rate
Compared to 4.0% nationally
2.89%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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4.75%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
5.00%
Other real estate loan rates
Compared to 0.9% nationally

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Service One Credit Union: Campbell Lane Office
Credit Union Branch: 1609 Campbell Lane
Bowling Green, Kentucky 42104 ATM Available
Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
Service One Credit Union: Bypass Office
Credit Union Branch: 543 US 31W Byp
Bowling Green, Kentucky 42101 ATM Available
Service One Credit Union: Glasgow Office ATM
Credit Union ATM: 116 Ensminger Drive
Glasgow, Kentucky 42141
Service One Credit Union
Credit Union: Well Capitalized Bowling Green, Kentucky 15750.0 $161 million Well Capitalized
Service One Credit Union: Campbell Lane Office ATM
Credit Union ATM: 1609 Campbell Lane
Bowling Green, Kentucky 42104
Service One Credit Union: Glasgow Office
Credit Union Branch: 116 Ensminger Drive
Glasgow, Kentucky 42141 ATM Available
Service One Credit Union: Bypass Office ATM
Credit Union ATM: 543 US 31W Byp
Bowling Green, Kentucky 42101
Service One Credit Union: Campus Office
Credit Union Branch: 422 College Heights Boulevard
Bowling Green, Kentucky 42101 ATM Available
Service One Credit Union: Campus Office ATM
Credit Union ATM: 422 College Heights Boulevard
Bowling Green, Kentucky 42101