Become a Member

We work differently than other financial institutions since we’re member-owned, run by a volunteer board of directors, and a not-for-profit cooperative. We return profits to our members through financial education, reinvesting in our communities, low-interest rate loans, and higher dividends.

Who Can Become a Member

Our field of membership includes people who live, work, worship, or attend school in any of the following counties: Bon Homme (SD), Douglas (SD), Hutchinson (SD), Yankton (SD), Cedar (NE), or Knox (NE). Immediate family members of SCFCU members are also eligible for membership. Plus, once you’re a member, you’re always a member. Even if you re-locate.

How to Become a Member

Simply apply online or stop in any of our branches to visit with a Member Service Representative. Must have the to following to become a member:

  • Meet membership requirements
  • Minimum Share (Savings) Account deposit of $10
  • Social Security Number
  • Valid Government-issued Photo ID

Apply Now >

Benefits of Being a Member and Owner

  • Low-interest Rate Loans
  • Higher Dividends
  • Lower Fees
    • Our Story

      In 1962, five Yankton State Hospital employees organized and chartered the Yankton State Hospital Employees Federal Credit Union which had 32 members and $1,306 in assets. Today, Services Center Federal Credit Union has three branch locations serving over 7,600 members within your community and $65 million in assets.

      Our Mission

      To radically impact the lives of our members and the communities we serve through financial education and services.

      Our Values

      • Integrity
      • Commitment
      • Passion

      The 7 Co-operative Principles of Credit Unions

      • Voluntary and Open Memberships
      • Democratic Member Control
      • Member Economic Participation
      • Autonomy and Independence
      • Education, Training, and Information
      • Co-operation Among Co-operatives
      • Concern for Community


      Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account to help the government fight money laundering and funding of terrorism.