Security First Credit Union (TX) 18-Month CD Is A Rate Leader


Deal Summary: 18-month CD, 1.06% APY ($100k), 1.01% APY ($50k), 0.95% APY ($25k), 0.75% APY ($1k), 0.70% APY ($500).

Availability: Residents of the Rio Grande Valley, Texas.

The CD rates offered by Security First Credit Union (Security First) have held steady for the past six months, increasing their competitiveness as other CD rates have fallen. I wrote about Security First’s long-term CDs in October, but didn’t mention the 18-month CD, which is now the most competitive CD in the product line. Security First CDs have tiered APYs based on deposit levels of $500, $1k, $25k, $50k and $100k.

1.06*%$100k-Security First Credit Union18 Month CD
OTHER TIERS: 0.70% $500 - $1k | 0.75% $1k - $25k | 0.95% $25k - $50k | 1.01% $50k - $100k
1.06*%$100k-Security First Credit Union18 Month IRA (Traditional, Roth, CESA)
OTHER TIERS: 0.75% $1k - $25k | 0.95% $25k - $50k | 1.01% $50k - $100k
Rates as of December 5, 2022.

The 18-month CD is also available as an IRA CD (Traditional, Roth, CESA), earning the same tiered APYs based on the same minimum deposit levels.

As stated in the Truth-in-Savings disclosure, the Early Withdrawal Penalty reads as follows:

For all accounts, the amount of the early withdrawal penalty for your account is 50% of the dividends that would have been earned between the date of early withdrawal and the maturity date, or $25.00, whichever is greater.


Headquartered in Edinburg, Texas, Security First Credit Union’s field of membership (FOM) is residency-based, with those who live, work, worship, or attend school in the Texas Rio Grande Valley eligible to join.

Joining Security First and/or opening a CD can be done at any of eight full-service Texas branches, located in Brownsville (2), Edinburg, Harlingen, McAllen, Mission, San Benito, and Weslaco. Appointments are available and can be scheduled on Security First’s websites.

Our branch staff is available to meet with you should you need to meet at a designated time. To protect you, our members, and with staying in-line with social distancing, we are limiting the number of people in a location at one time.

Please select your preferred branch from the locations below and fill out the appointment form.

Our branch staff will follow up with you soon to schedule and/or confirm your requested date and time.

A minimum $5 deposit in a Regular Share Account is required to establish a Security First membership.

Credit Union Overview

Security First Credit Union has an overall health grade of "B+" at, with a Texas Ratio of 7.15% (excellent), based on December 31, 2020 data. In the past year, Security First increased its total non-brokered deposits by $78.33 million, an excellent annual growth rate of 25.87%. Please refer to our financial overview of Security First Credit Union (NCUA Charter # 5547) for more details.

Founded in 1947 as the Hildago Federal Credit Union, the original FOM was exclusive to the employees of the Federal Government who resided in the Rio Grande Valley; it remained that way for 29 years. In the following decades, assets increased and loan demand grew, leading to a membership expansion that included State Employees in Hildago and Starr Counties. In 2000, after an expansion into Cameron County and the acquisition of two other credit unions, Hildago Federal Credit Union rebranded as Service First Credit Union. As the 61st largest credit union headquartered in Texas, Security First Credit Union currently has nearly 40,000 members and assets in excess of $422 million.

How the CD Compares

When compared to the similar length-of-term CDs tracked by that are available within the FOM, Security First Credit Union 18-month CD top APY currently ranks first, regardless of minimum deposit requirements.

The above rates are accurate as of 4/26/2021.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Harlingen CD rates, 1-year CD rates

Security First Credit Union (TX) Has Competitive Long-Term CDs
Update November 2, 2002: CD rates dropped over the weekend.

Deal Summary: CDs – 24-month (1.11% APY), 37-month (1.31% APY), 48-month (1.46% APY), 60-month (1.51% APY), $100k minimum deposit.

Availability: Residents of the Rio Grande Valley, Texas.

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