Loans

Credit Cards

With no Annual or Balance Transfer Fees and competitive rates, our Classic, Rewards, or Credit Building Credit Cards may be the perfect solution to meet your consumer or debt consolidation needs!

Features of our Mastercard Classic or Mastercard Rewards:

Serve CU Credit Card holders have quarterly access to their FICO® Credit Score, available by clicking on Card Management in Online Banking! 

• Click here for FICO® Credit Score education and resources.

• Click here for more information on Card Management in Online Banking.

• Download the Serve CU Cards App to experience card control functions such as lock/unlock, make payments, load travel notifications, report lost/stolen, and more!

• Apple Download

• Android Download

• Mastercard Rewards only - 1.5% Rewards in the form of a Statement Credit.

• A low interest rate: Compare our rates to the national average and be impressed by the Serve CU Difference! 

*Depending on time of payment, it may take 24-48 for that payment to be reflected.

View Credit Card Disclosures

Vehicle Loans

Including Motorcycles

Whether this is your very first car, the van to fit multiple car seats, or the motorcycle you’ve been dreaming of your whole life…it would be our pleasure to put you in the front seat!

(Includes Classic Cars and Motorcycles)

Loan Protection

• Debt Protection Coverage

• Guaranteed Asset Coverage (GAP)

• Mechanical Breakdown Protection

View Vehicle Loan Disclosures

Recreational Vehicle Loans

Boat, RV, Camper, Motor Home, Travel Trailer, ATV, 4Wheeler, Side x Side

View Recreational Loan Disclosures

Personal Equipment Loans

Lawnmower, Skid Loader, etc.

Mortgages

Refinance or Cash Out your First Mortgage

Whether you’re looking to change your rate, term or payment, or you’re having to refinance due to an unexpected life event, we have the tools to move you in the right direction!

We offer Escrow Services with a First Mortgage Loan

Not sure if this is the right move for you? Meet with a Serve CU Financial Services Officer!

Purchase a Home

Our Mortgage Specialist, Brenda Baird, is eager to help you find the right mortgage option for you!

Email: BrendaB@premierLA.org

Phone Number: (515) 867-2722

• FHA- Gift funds allowed

• Conventional

• VA- No down payment required

• Manufactured homes

• USDA- 100% financing

• First-time homebuyers

• Jumbo financing

Home Equity Loans

A backyard oasis? A finished basement? A more manageable financial situation? You’ve earned the equity in your home…now how do you want to use it?

View Home Equity Loan Disclosures

Imagine Loans

Whether you’ve dreamed of a family vacation, a redecorated home, a better financial situation, or really anything in between…Come to us with your Imagination, and we will meet you with a solution!

View Imagine Loan Disclosures

Student Loans

The cost of college continues to rise, forcing many students and families to resort to higher-cost private student loans to fill funding gaps.  

Student Choice offers a unique line-of-credit student loan to help you responsibly fill the gaps that remain after you’ve exhausted lower-cost sources of aid and scholarships!

Take control of your student loan repayment! Refinance and consolidate your private and federal student loans (including PLUS loans) into one manageable loan with one convenient payment!

Make A Payment

Moving money and paying your Serve CU loans should be the easiest part of your day! However you like to pay, we have an option that will work for you!

Direct Deposit/Distribution

Complete a Direct Deposit Form: click here to complete form

• Once a paycheck is deposited, an automatic distribution* (payment) to loans can be initiated

*Will require request from member - Serve CU team will provide a form to be signed

Transfers in Online Banking

Move your own money by enabling a scheduled or one-time transfer between:

• Serve CU to Serve CU Loan within your own membership and any other accounts your Social Security Number is attached to by selecting from the “Transfer To/From” drop-downs.

• External Financial Institutions and your Serve CU Loan by adding and maintaining an external account to your transfer list. Click here for a quick External Account Transfer tutorial video.

SCU Initiated Electronic Payment

Also known as ACH, Serve Credit Union can schedule funds to be pulled from an external financial institution to make a SCU Loan Payment.

*Will require request from member - Serve CU team will provide a form to be signed

In Person or via Mail

Be sure to know your Member Number and Loan Suffix to delegate payments to proper loan

• Stop into either Branch or utilize our Night Drop to make payments via Cash or Check

• Send your payments in the mail to either Branch location

City Of Des Moines Employee - Special Benefit!

Serve CU is so fortunate to have a relationship with the City of Des Moines which allows the benefit of City Payroll Deduction. A City of DSM paycheck (whether we have direct deposit or not) can be directed to a Serve CU Account/Loan in the form of deductions.

*Will require request from member - Serve CU team will provide a form to be signed

Make a Payment - Credit Card

Card Management or Serve CU Cards App

Log into Online Banking and select “Card Management” in the menu or log into the Serve CU Cards App.

Once your credit cards are enrolled, select “Make a Payment”

• “Add New Account” to link an external Financial Institution (may take 2 business days to verify External FI)

• Choose your payment date and amount and click “Make Payment”

In Person or via Mail

• Stop into either Branch or utilize our Night Drop to make payments via Cash or Check

• Send your payments in the mail to either Branch location or the Credit Card Payment Address:

  • PO Box 660493, Dallas, TX 75266-0493