First Service Federal Credit Union is a member-owned financial cooperative serving eight Ohio counties with checking, savings, loans, and credit card products.
Data compiled from public sources · Google rating shown when a stored review count is available
First Service Federal Credit Union is a federally insured credit union operating in Franklin, Fairfield, Delaware, Pickaway, Madison, Morrow, Licking, and Union counties in Ohio. As a credit union, it operates as a member-owned cooperative rather than a for-profit institution, which shapes its service philosophy and product offerings. The organization provides comprehensive consumer banking services including deposit accounts, home loans, auto loans, motorsports financing, and a co-branded VISA credit card.
com. First Service offers several distinctive checking and savings products, including a Platinum Checking account with no minimum balance and unlimited transactions. 99% APR.
The credit union provides ancillary member benefits such as cell phone protection up to $800 per claim ($1,600 annually) for qualifying account holders, and a Save to have more listed context program offering quarterly and monthly cash prizes up to $5,000 for savings members. They also partner with LPL Financial for investment services through Seth Currens. As a credit union, First Service differentiates itself through member-centric governance, with members eligible to vote at annual membership meetings and participate in institutional decisions.
The organization emphasizes fraud prevention and security, explicitly warning members about common scams and never initiating calls requesting personal information verification. They provide financial education through their MoneyEdu program with monthly themes addressing credit scores, debt, and spending. The credit union maintains physical branch locations and hours information available online, combining digital accessibility with traditional in-person banking.
First Service is most appropriate for consumers in its eight-county Ohio service area seeking traditional banking products with credit union advantages including member ownership and typically lower fees. The main caveat is geographic limitation—membership and branch access are restricted to residents of their specific Ohio counties. Like all financial institutions, prospective members should verify current rates, fee structures, and eligibility requirements directly, as the website provides featured rates but not comprehensive rate disclosures or detailed fee schedules.
This is state-level context for Credit Unions consumers in Columbus, OH. It does not confirm that First Service Federal Credit Union or this specific location is licensed.
State regulator
Ohio Department of Commerce Division of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
First Service Federal Credit Union processed 689 mortgage applications in 2023, with 85.8% recorded as approved across 4 states.
689
Applications
85.8%
Approval Rate
$183K
Avg Loan
4
States Served
Based on 689 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
First Service Federal Credit Union offers 12 services including Platinum Checking with no minimum balance and unlimited transactions, Home loans and mortgages with rates from 4.875% APR, Auto loans with rates from 6.24% APR, Motorsports financing with rates from 8.24% APR, First Service VISA credit card with rates from 3.99% APR, and 7 more.
First Service Federal Credit Union has profile signals associated with Ohio residents in Franklin, Fairfield, Delaware, Pickaway, Madison, Morrow, Licking, or Union counties seeking full-service banking, Borrowers looking for competitive auto and mortgage rates within the service area, Members who value credit union member-ownership and community-focused banking philosophy, Savers interested in prize-linked savings through the Save to have more listed context program.
Key strengths: No minimum balance and unlimited transactions on Platinum Checking account; Competitive loan rates including auto loans from 6.24% APR and mortgages from 4.875% APR; Cell phone protection benefit up to $800 per claim included with qualifying checking accounts. Areas to consider: Geographic restriction: membership limited to eight specific Ohio counties only; Website lacks comprehensive fee schedule and detailed rate disclosures.
In the Credit Unions category, comparable providers include Hoosier United Credit Union, Public Service Credit Union, TDECU Fort Worth. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
First Service Federal Credit Union is profile signals for Ohio consumers in its eight-county service area seeking traditional banking products with credit union advantages. The primary caveat is strict geographic restriction—the credit union does not serve customers outside its designated counties, making it unsuitable for those outside this region regardless of product quality.
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Google rating from 19 reviews
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Google rating from 53 reviews
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