First Service Federal Credit Union, Columbus Ohio
Loan Savings Add to Your Summer Fun!

Specials Of The Month
Quick Tip: Go to Quick Search above to quickly find a product or service that fits your lifestyle.


A Better VISA Click for more information...

Smart shopping begins with your First Service VISA ® Credit Card!
The First Service Visa® has changed with more options to fit your lifestyle. Look at the cards below and make your choice today!

Visa Has Changed ..... If the card you are carrying does not look like one of the VISA cards shown below, then apply NOW for this low introductory rate.

Win a Magical Shopping Spree!

Thousands of items & 60 seconds to grab all you can… Use your First Service VISA® Signature or Platinum Rewards credit card three times a week for a chance to win an all expense paid trip to Chicago and a 60-second shopping spree in a CURewards® warehouse. Register to win now! Go to for details. Register to enter the sweepstakes at

No Purchase Necessary to enter or win. Void where prohibited. Sweepstakes ends 10/26/14.

Switch for the Savings .... What card is in your wallet?
4.99%* APR
Introductory Rate
Transfer your high credit card balances to your new First Service Visa® and pay down the balances even faster with a LOW 4.99% introductory rate on purchases, balance transfers, and cash advances for the first 12 billing cycles after your Visa account is open! After that, your balance will revert to a low variable rate, currently 7.99% APR to 17.99% APR.

Apply NOW for this low introductory rate ... go to Quick Links above, select APPLY FOR LOAN and then click on the Credit Card/Unsecured application in Select Loan Type. You may also apply at any branch or simply call us at 614-836-0100.

FirstCU Online . . . Rewards Mall . . . Visa e-Statement . . . online access is available for your Visa card information, balance, transactions, payments and shopping rewards from a convenient Credit Card tab located in FirstCU Online.

for additional information on current rates, rewards and other charges.

*Introductory rate is not available on Visa Platinum Secured card. We may end your Introductory APR and apply the prevailing non-introductory APR if you are 60 days late in making a payment. All loans on approved credit with a minimum $50 membership share savings account required. Rates will vary based on your credit worthiness. APR is variable and subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and determined by the Prime Rate on the first day of each quarter as published in the Wall Street Journal "Money Rates" table to which we add a margin. Current rates are between 7.99% APR and 17.99% APR based on creditworthiness. The APR will not be greater than 18.00%. This introductory rate offer may be changed or withdrawn at any time.

A new concept in giving . . .
Credit Unions for Kids© Card

The First Service Credit Unions for Kids Visa® will give you a unique opportunity to help our children every time you use your card. First Service will donate 1% of all purchases on this card to Children's Miracle Network Hospitals (CMNH) for the benefit of Nationwide Children's Hospital in Columbus.

We know you care and so do we ....
we share your concerns for our local children by making Nationwide Children's Hospital in Columbus a year-round First Service charity as well as operating an office for Nationwide Children's Hospital employees. Enjoy the everyday convenience of this card, knowing that your purchases are benefiting Nationwide Children's Hospital.

It's simple, just request the First Service Credit Unions for Kids Card at the time of your Visa application.

CLICK HERE for additional information on current rates, rewards and other charges.

To Apply Now ... go to Quick Links above, select APPLY FOR LOAN and then click on the Credit Card/Unsecured application in Select Loan Type.

Visa® Signature and Visa® Platinum Rewards
Earn Rewards For Your Everyday Purchases
... earn unlimited points
to redeem for travel, merchandise and gift cards with a Visa Signature or Visa Platinum Rewards card.
  • Great Introductory Rate
  • No Annual Fee
  • Earn 1 Point for Every Net $1 Spent
  • No Caps or Limits on the Points You Can Earn
  • You Have Five Years to Redeem Your Points
  • Visa e-Statements Available
  • Online Account Access

Earn 1 point for each net dollar you charge .... there's no limit on the points you can accumulate .... and redeem points for your choice of rewards
Travel: airline tickets, car rentals and hotel accommodations
Merchandise: shop the rewards mall for electronics, gifts, and more offered by name brand merchants
Gift cards: from leading retailers, restaurants and more
A Credit Card tab is conveniently located in FirstCU Online for transaction information, rewards points and the Rewards Shopping Mall. A FAQ is also available for frequently asked rewards questions.

To enjoy Signature Rewards or Platinum Rewards, just request a Rewards Card at the time of your application.
First Service Visa Platinum Low Rate, Visa Platinum Credit Unions for Kids, and Visa Secured are non-rewards cards.

CLICK HERE for additional information on current rates, rewards and other charges.

To Apply Now ... go to Quick Links above, select APPLY FOR LOAN and then click on the Credit Card/Unsecured application in Select Loan Type.

Visa® Platinum Low Rate
Low Rates and No Hidden Fees
Enjoy the everyday convenience of this non-rewards card designed for members who are seeking low rates instead of rewards.

For the convenience of a low rate card, just request a Platinum Low Rate Card at the time of your application.

Visa® Platinum Secured
Get Started Building Your Credit
If you are starting to build credit, or have had some problems and need to reestablish your credit, we are here with the option of an everyday convenience card secured by your First Service shares. This is an option to consider before using a higher cost card.

If you are looking for help in building (or rebuilding) your credit, visit your branch or call a Member Service Representative at (614) 836-0100 and select "3" to discuss this card option.

CLICK HERE for additional information on current rates, rewards and other charges.

To Apply Now ... go to Quick Links above, select APPLY FOR LOAN and then click on the Credit Card/Unsecured application in Select Loan Type.

Credit Card Tips:
To learn more about factors to consider when applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at

Zero Fraud Liability Protection From Unauthorized Transactions is available on your card. You are protected from fraudulent use of your card, so you won't be held responsible for unauthorized purchases. Cardholders must notify First Service Federal Credit Union promptly of any unauthorized use. Certain conditions and limitations may apply to this protection.

All loans, including Visa, are available with approved credit based on current lending criteria. Information and rates provided are subject to change. For changes from the date of publication, contact First Service Federal Credit Union at 100 Main Street, Groveport, OH 43125 or call (614) 836-0100 locally or (800) 241-4575 during regular business hours.

Fall Auto Deals Click for more information...

As dealerships make room for 2015 models, the Fall season is an excellent time to check into getting a deal on an end of model-year vehicle. If you’ve been considering purchasing a new or used vehicle, why wait?

Loans for autos, trucks, and motorcycles are available starting at great low rates with easy financing and convenient e-sign closings. Apply now or give us a call at 614-836-0100 during regular business hours or AnyHour at 1-800-495-0981.

Rates as low as 1.99%
on new or used trucks and autos
with checking relationship
2.17% APR* with terms to 66 months

Motorcycle rates
starting as low as 4.18% APR to 66 months
with checking relationship

*All loans on-approved-credit with qualified collateral. Rates starting as low as 2.17% APR are available based on credit criteria and model year. APR based on a loan amount of $20,000, at a rate of 1.99%, a term of 66 months and a $99 processing fee. Other rates and terms are available. Terms and rates may vary depending on credit conditions, model year, and value of collateral; sample rates may not be all inclusive based on specific requests and criteria. This offer may be withdrawn or changed at any time.

The convenience of First Service financing is now available at hundreds of dealerships in Franklin County and throughout Ohio, with the same low interest rates that you would receive in any branch office. Ask your dealer for "First Service financing" and enjoy the benefits of First Service membership at the dealer's lot.

Quick Tip:
For other rates and terms, go to Quick Rates above.

Click Here
to Apply Online for an auto loan.

Auto Loan Preapproval . . . shop with confidence when you know your financing is already approved.
There is no application fee for an auto loan preapproval. Simply apply online at the link below, visit any branch location, call (614) 836-0100 during regular business hours or AnyHour Loans at 1-800-495-0981. We are here to lend a helpful hand and make your auto financing easy, quick and affordable!

NEW! First Service FCU Mobile App Available… Click for more information..

Experience convenient 24-hour account access from your Smartphone with our new and improved First Service FCU Mobile app.

With the new app, you will be able to check account balances, transfer funds, view alerts set up on FirstCU Online, and make bill payments. There is also a Person to Person (P2P) payment option.

The new First Service FCU Mobile app is available in the App Store on iTunes and Google Play Store. If you are currently using the old app, we encourage you to upgrade to the new one today! You can activate the new app through FirstCU Online; and use your existing FirstCU Online login credentials to sign on. Here's how:

•  Login to your FirstCU Online account and go to Other Options => Mobile Settings .

•  Fill out the information, click submit.

•  Login to the browser version or the app version with your FirstCU Online (NetTeller) user ID and password.

For more information, simply give us a call at (614) 836-0100, visit us online at or stop by your local branch.

Home Loans Click for more information...

Purchase•RefinanceRemodelCash Out

Whether you are buying or refinancing a home, we offer competitive rates and terms as well as fast, friendly and personal service. We can even PreApprove you for a home purchase to take the worry out of house shopping. Your shopping experience will be more enjoyable knowing that the home you select will fit your budget.

First Service offers mortgage loans with a variety of rates and terms. At your credit union, you will find low closing costs, pre-qualification convenience, and a quick turn around from application to closing!
Equal Housing Lender Our home loans include great options for you

  • Preapproval Available
  • New Purchase
  • Cash Out
  • Refinance
  • Fixed and Variable Rates
  • Conventional Mortgages
  • First Time Buyers
  • FHA
  • VA

    To Apply for a Mortgage Loan Click Here.

    We Do Business In Accordance with the Federal Fair Housing Law and the Equal Opportunity Credit Act. Property insurance is required on all First Service home loans. We suggest you consult your tax advisor about the potential tax benefits of home loan interest.

    For Current Rates and Terms, Please Contact Loan Services at 614-836-0100 or your Branch Manager.

    Nationwide Mortgage Licensing System and Registration
    Mortgage Loan Originators to assist you: Magan Fisher (NMLS#1184845); Jack Harper (NMLS#440713); Heather Hatch (NMLS#1184855); Vicki Jahn (NMLS #440725); Terry Johannsen (NMLS #1086655); Sam Long (NMLS #440715); John Melick (NMLS #440722); Ashley Miller (NMLS #1164183); Cynthia Music (NMLS #519811); Heather Oliver (NMLS #440721); Michelle Petruskevich (NMLS #440716); Nicole Rybarczyk (NMLS # 922545); Dawna Smith (NMLS #440720); Tara Wengerter (NMLS #440714); Mark West (NMLS #440595); Pam Wiley (NMLS #440727)

Upcoming Financial Education Workshop! Click for more information...


Financial Basics and Building Credit Workshop
Saturday, October 11, 2014
3 pm – 5 pm
Harrison College – 3880 Jackpot Rd., Grove City
Free to Attend!


•  Sessions for High School Students
•  Sessions for Adults
•  Giveaways / Door Prizes
•  Refreshments
•  Free take home workbooks
•  Plus… “Ways to Pay for College”


Reserve your seat by October 3rd. To RSVP e-mail or call 614-920-6351 today.


Win a Magical Shopping Spree!

Imagine the rush of gripping the handle of an empty, oversized shopping cart in a warehouse stacked to the rafters with high-end merchandise – flat screen TVs, laptops, tablets, sporting goods, appliances and more – and you have one full minute to grab as much cool stuff off the shelves as you can.

It can happen to you with the Credit Union Magic Minute TM sweepstakes! Here's all you need to do for a chance to win an all-expense paid trip to Chicago and a place for you and a guest at the starting line:

1. Register to enter the sweepstakes at .

2. Use your First Service VISA® Signature Rewards or First Service VISA® Platinum Rewards credit card to make at least three purchases per week during any or all of the weeks between August 4 and October 26.

3. Every time you use your card, your name will be entered in up to six drawings to pick the winners from credit unions participating in the Magic Minute.

4. The more you use your card, the more entries you'll have in the drawings, and the better your chances of winning.

Register now and start dreaming! Check for complete sweepstakes details, rules and free method of entry.

No Purchase Necessary to enter or win. Open to credit & debit cardholders who are legal residents of the 50 U.S., D.C. or Puerto Rico, 21 or older, who are enrolled in a participating Credit Union CU Rewards Program.  Ends 10/26/14. Void where prohibited. See full rules & how to enter without purchase at . Sponsor: PSCU, 560 Carillon Parkway, St. Petersburg, FL  33716.

CU Succeed is now Claim Your Youth. When should I start saving? How do I buy my first car? What's an interest rate? If this sounds like you, then Claim Your Youth and your credit union have you covered. Tips on financial information, quizzes, puzzles, games, calculators, and everyday knowledge to fill your curiosity (like, how does Taylor Swift give back? and Try Manilla!) can be found when you Click Here.

LifeStages Information. Information packages with helpful tips for life changing events such as getting married, having a baby, buying a home, attending college or retiring are available upon request. Just ask for a LifeStages kit during your next visit for helpful information on your life changing event.

$10 Member Referral Coupons. Members are eligible to earn $10 when their family, friends, or co-workers open a new membership account, plus one other service, with a Member Referral Coupon. To earn your $10, share the benefits of First Service by referring your family, friends and coworkers to open their accounts.

Member Referral Coupons are available in "Quick Links" above or during your next lobby visit.

Travel with the convenience of free ATMs nationwide!
First Service has an extensive network of FREE ATMs, starting with our local branch offices. In addition, ATM withdrawals from First Service accounts are free at all Fifth Third Bank owned machines nationwide (other than Speedway locations). This includes over 1,500 ATMs across the country for your convenience! Free cash withdrawals are also available at US Bank branch locations in Ohio.
Free BillPayer Demo
This video provides a BillPayer Overview with guidance for using Payment Options, Payment History, Payment Calendar, Adding a Payee, e-Notifications/Alerts, eBills, and How to Sign Up.

Quick Tip:
BillPayer is FREE! To enroll now Simply Click on the FirstCU Online Account Access button at the top of this page.

Let's Get Started .... first time auto buyers ages 18-24!
The Let's Get Started program for young adults provides an excellent opportunity for first time auto buyers ages 18-24 plus a free one-year membership to the Credit Union AUTO CLUB!

In addition to a great rate on your first time auto loan, you will have advantage of the Credit Union Auto Club for roadside assistance from little incidents like being locked out of a vehicle to bigger troubles like needing a tow truck. When its time for your first vehicle, Let's Get Started at your credit union! Give us a call, apply online, or stop by any branch office.

See Credit Union Auto Club information in consumer loan section and ask for this special with your Let's Get Started loan application.
The Credit Union Auto Club membership offer may be changed or withdrawn at any time; first time auto loans may require a co-signer to qualify.

Safety Tip
Please update your mobile number with your credit union. To protect your account, we monitor unusual ATM, debit and credit card usage for possible fraudulent activity. We may need to contact you regarding certain activities on your account, such as a sudden change in location or an unusual string of purchases from your normal pattern use. If we need to reach you, we will not ask for your card or account number, but may ask you to verify a specific transaction.
Getting the money you need ... just got faster!
We are now pleased to bring you the option of receiving and signing your loan documents quick and easy by secure e-mail. DocuSign is an option that will save time in completing your loan documents, with most of our auto and personal loans now available for this convenient service ... at no extra charge to you.

Great terms and easy processing ... even more reasons to finance with First Service!

Reloadable Debit Cards
Now Available
.... First Service is offering reloadable debit cards for your travel, for shopping, for student expenses, and any time that you don't want to carry cash. Reloadable MasterCards® are accepted everywhere that merchants accept MasterCard debit transactions and are $5.99 each to purchase, with a $2.00 reload fee.
MasterCard Gift Cards
First Service can take the hassle out of your gift giving with MasterCard Gift Cards now available in our lobbies. Buy one or a supply for all your special occasions like Mother's Day, Father's Day, graduation, birthdays, holidays..... accepted at MasterCard merchants worldwide.    MasterCard Gift Cards (non-reloadable) are $4.99 each. Due to this change, we no longer sell Travelers Checks.

Coins for Kids .... thank you for helping our kids
First Service is a proud sponsor of Children's Miracle Network Hospitals (CMNH). At each teller window, you will find a Coins for Kids container. When you contribute your change, we donate this to CMNH for the benefit of Nationwide Children's Hospital here in Columbus.

**For a VISA® Card with 1% of the purchases donated to CMNH by First Service for the benefit of Nationwide Children's Hospital, please see the VISA section above!**

Go Green ... and Help Save 20 Trees
Go Green and help us Save 20 Trees when you sign up for e-statements. First Service uses over 156,000 pages of paper each year to produce member statements, or an equivalent of almost 20 trees. You can help us Save 20 Trees when you Go Green and sign up for e-Statements which are available online, quickly and conveniently the first day of every month, along with 12 months of statements stored for your easy access.

Quick Link: Just Click on the FirstCU Online Account Access button above to go to FirstCU Online for your account e-Statements. And, don't forget to sign up for Visa e-Statements behind the Credit Card tab at FirstCU Online.

Enjoy the convenience of free online statement access the first day of every month . . . available and printable . . online . . at any time . . with no fee . . from any computer location!

FirstCU Online with StatementRewards®
StatementRewards is a money-saving benefit for members who use any of our checking options along with FirstCU Online Account Access (online banking).

There is no charge for StatementRewards!
StatementRewards is a complimentary program that automatically reviews and makes personalized money-saving recommendations based on your spending habits, offering discounts or coupons for purchases and expenses such as wireless telephone plans, cable, gasoline, and retail shopping. The merchant network for StatementRewards includes over 90 national merchants and new retailers are continually added. The system does not access or store your personal member information.

StatementRewards will automatically appear in your checking transaction history at FirstCU Online. You control access to receive or turn off the rewards by selecting the option at the top of your transaction history.

For more information on StatementRewards, CashRewards, Prewards and other checking options, click Here. and Pocket Cents Financial Literacy Tools
Here are two updated web sites with information on credit reports, credit scores, preventing identity theft, buying a car, purchasing a home and avoiding scams and fraud. - redesigned with fifteen different financial tools and calculators, including college savings, student loans, mortgages and retirement savings. Users also have access to a personal budgeting worksheet.

Pocket Cents - a financial literacy tool for all age groups which provides personal finance lessons and tips for groups including youth, tweens, teens, young adults, families, seniors, parents, and educators.

We invite teachers, parents and members to bookmark these helpful sites for their consumer financial research needs.

Also visit our Free Online Financial Library by selecting the link in Quick Links above.

CU Service Centers
Turbo Tax Free Efile
Equal Housing Lender
National Credit Union Association
The First Service Federal Credit Union web site links to third-party web sites on the Internet. First Service Federal Credit Union provides links to these sites as a convenience to its members. The inclusion of a link does not constitute endorsement by First Service Federal Credit Union. The linked sites are not under control of First Service Federal Credit Union, thus First Service Federal Credit Union is not responsible for the availability or content of any linked site.