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Service Credit Union allows service members to receive their military pay deposits up to two business days before the official payday.
This early deposit feature can significantly aid financial planning and cash flow management for service members and their families.
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Service Credit Union’s 2025 Military Early Pay Deposit Policy
Official military paydays fall on the 1st and 15th of each month.
When these dates fall on weekends or federal holidays, the payday is moved to the preceding business day.
However, Service Credit Union’s policy is to credit military pay up to two business days prior to the actual payday, provided they receive the necessary information from the Defense Finance and Accounting Service (DFAS) in time.
2025 Service Credit Union Military Pay Dates Schedule
Below is a comprehensive list of the official 2025 military pay dates, along with the corresponding Service Credit Union early deposit dates.
| Military Pay Period | Official Military Pay Date | Service Credit Union Early Deposit Date |
|---|---|---|
| January Mid-Month | Jan 15, 2025 | Jan 13, 2025 |
| January End-of-Month | Jan 31, 2025 | Jan 29, 2025 |
| February Mid-Month | Feb 14, 2025 | Feb 12, 2025 |
| February End-of-Month | Feb 28, 2025 | Feb 26, 2025 |
| March Mid-Month | Mar 14, 2025 | Mar 12, 2025 |
| March End-of-Month | Apr 1, 2025 | Mar 28, 2025 |
| April Mid-Month | Apr 15, 2025 | Apr 11, 2025 |
| April End-of-Month | May 1, 2025 | Apr 29, 2025 |
| May Mid-Month | May 15, 2025 | May 13, 2025 |
| May End-of-Month | May 30, 2025 | May 28, 2025 |
| June Mid-Month | Jun 13, 2025 | Jun 11, 2025 |
| June End-of-Month | Jul 1, 2025 | Jun 27, 2025 |
| July Mid-Month | Jul 15, 2025 | Jul 11, 2025 |
| July End-of-Month | Aug 1, 2025 | Jul 30, 2025 |
| August Mid-Month | Aug 15, 2025 | Aug 13, 2025 |
| August End-of-Month | Aug 29, 2025 | Aug 27, 2025 |
| September Mid-Month | Sep 15, 2025 | Sep 11, 2025 |
| September End-of-Month | Oct 1, 2025 | Sep 29, 2025 |
| October Mid-Month | Oct 15, 2025 | Oct 10, 2025 |
| October End-of-Month | Oct 31, 2025 | Oct 29, 2025 |
| November Mid-Month | Nov 14, 2025 | Nov 12, 2025 |
| November End-of-Month | Dec 1, 2025 | Nov 26, 2025 |
| December Mid-Month | Dec 15, 2025 | Dec 11, 2025 |
| December End-of-Month | Dec 31, 2025 | Dec 29, 2025 |
Note: Service Credit Union credits military pay deposits up to two business days early. Actual deposit dates may vary depending on processing times and holidays.
Official 2025 Service Credit Union Military Pay Calendar (Download or Print)
Click the link or button below to download or print our official 2025 Service Credit Union Military Pay Dates Calendar PDF:
Service Credit Union Military Pay Dates for 2025: Frequently Asked Questions (FAQ)
1. What is the Service Credit Union Military Pay Deposit Time?
Service Credit Union typically makes military pay deposits available early in the morning, usually between 4:00 AM and 8:00 AM central time. However, exact deposit times may vary based on processing schedules.
2. Does Service Credit Union Offer Early Direct Deposit for Military Members?
Yes, Service Credit Union offers early direct deposit for military pay. Funds are typically credited two business days before the official military payday. This benefit allows service members to access their pay earlier than the standard deposit schedule.
3. How Does Service Credit Union Compare to USAA and Navy Federal for Early Military Pay Deposits?
Service Credit Union provides early direct deposit for military members with any checking or savings account enrolled in direct deposit, offering access to funds two business days early.
Similarily, USAA credits military pay deposits two business days early, depending on the payroll schedule and processing times.
Navy Federal offers early direct deposit for military members with a Free Active Duty Checking™ account, providing access to funds one business day early.
4. Will Service Credit Union Credit Deposits Early Over Holiday Weekends?
Service Credit Union’s policy is to deposit funds up to two business days before the scheduled payday, even if the payday falls on a weekend or holiday. If a deposit notification is received late from DFAS, then early crediting may be delayed.
5. Can Military Pay Deposits Be Delayed?
While military pay is typically deposited on time, delays can occur in the following scenarios:
- Government Shutdowns: Pay may be delayed if Congress fails to pass a budget or temporary funding bill.
- Debt Ceiling Issues: Financial disruptions related to federal borrowing limits can impact the timing of pay deposits.
- Technical Errors: Processing errors within the banking or payroll systems may occasionally cause delays.
- Incorrect Account Information: Errors in the bank account details provided for direct deposit can result in failed transactions and subsequent delays.
6. What Happens If My Service Credit Union Military Deposit Is Late?
If your military pay deposit does not arrive in your Service Credit Union account as expected:
- Verify DFAS Schedule: Confirm the official pay date on the DFAS military pay schedule.
- Check Service Credit Union Alerts: Review notifications or updates from Service Credit Union regarding deposit processing delays.
- Contact Service Credit Union: Reach out to Service Credit Union’s customer service for additional support and updates.
7. How Can I Set Up Direct Deposit with Service Credit Union?
To set up direct deposit with Service Credit Union:
- Navigate to the Deposit Options or Direct Deposit Setup section.
- Provide your account and routing number to DFAS via MyPay or your payroll administrator.
- Confirm setup and monitor your account for the first deposit.
8. Does Service Credit Union Notify Members About Deposits?
Yes, Service Credit Union provides alerts through:
- Email notifications
- Mobile app alerts
- SMS text messages (if enabled)
9. What Are the Benefits of Using Service Credit Union for Military Pay?
Here’s a list of benefits for military members who choose to bank with Service Credit Union:
- Early Military Pay – Get paid up to two days early when you set up direct deposit with a Service Credit Union checking account. This feature helps you access your funds faster and stay ahead of expenses.
- Free Checking Accounts – Enjoy no account maintenance fees with Service Credit Union’s free checking accounts, designed to fit your lifestyle and save you money.
- Special Military Savings Accounts – Active-duty members serving in a combat zone may qualify for an impressive 10% APY annual savings rate on deposits up to $10,000.
- Discounts on Loans – Benefit from discounted rates on auto loans and personal loans, making it easier to secure financial stability and meet your financial goals.
- Convenient Branch Locations – Access 37 branches in the U.S., 14 military base branches in Germany, and over 5,000 shared branches worldwide, ensuring in-person support wherever you are.
- Online & Mobile Banking – Manage your finances on the go with Service Credit Union’s mobile app. Features include mobile check deposits, bill pay, fund transfers, and branch locators—anytime, anywhere.
- Surcharge-Free ATMs – Gain access to nearly 85,000 surcharge-free ATMs worldwide, so you’re never far from your cash, whether at home or deployed overseas.
- 24/7 Support – Military life doesn’t follow a 9-to-5 schedule, and neither does Service Credit Union. Their 24/7 customer support team is always available to assist with your banking needs.
About the Author
Brian Reese
Brian Reese is a world-renowned VA disability benefits expert and the #1 bestselling author of VA Claim Secrets and You Deserve It. Motivated by his own frustration with the VA claim process, Brian founded VA Claims Insider to help disabled veterans secure their VA disability compensation faster, regardless of their past struggles with the VA. Since 2013, he has positively impacted the lives of over 10 million military, veterans, and their families.
A former active-duty Air Force officer, Brian has extensive experience leading diverse teams in challenging international environments, including a combat tour in Afghanistan in 2011 supporting Operation ENDURING FREEDOM.
Brian is a Distinguished Graduate of Management from the United States Air Force Academy and earned his MBA from Oklahoma State University’s Spears School of Business, where he was a National Honor Scholar, ranking in the top 1% of his class.
