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Security Service Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.70%3-year CD3 Year CD
2.25%5-year CD5 Year CD
2.30%6+ Year CD7 Year CD

Overview / Commentary
210-476-4000
16211 La Cantera Pkwy
San Antonio, TX 78256

Security Service FCU is a large, Texas-based credit that offers its members a wide range of personal and commercial products and services. It also provides home and consumer loans on the lending side of its business.

Its checking accounts range from standard and free, to interest bearing with requirements, to youth-focused accounts that come with a debit card and free checks. Security Service’s basic savings and money market accounts offer unlimited ATM transactions and have low minimum opening balance requirements. Its Club Savings account does not allow for withdrawal due to its higher rate of interest return. CDs and IRA CDs are also available in term lengths from 3 months to 7 years, and one CD account allows for penalty free withdrawals. DepositAccounts.com has recognized security Service in the past for its CD offerings. The credit union also provides access to investment and insurance products through its agents. On it business banking side, it offers many deposit accounts that are similar to its personal products. Security Service FCU also has a rewards program that gives incentives to members to both save and spend.

Security Service FCU online banking was the first credit union in the San Antonio area to implement the feature for its members. It has a network of Security Service ATMs and is also a member of the CO-OP ATM network. Its web-based banking platform provides members with the ability to perform account management functions like bill pay, paperless statements, fund transfers, and ordering checks.

Security Service FCU was chartered in 1956 and is headquartered in San Antonio, Texas. It was originally organized to serve the needs of members of the U.S. Air Force Security Service and has since expanded its membership after acquiring dozens of credit unions over the years. The credit union offers scholarship opportunities to local high school students as it seeks to provide a community-oriented atmosphere among its members.

Field of Membership Restrictions

Membership is open to those who live, work, volunteer, worship, attend school, or business located in select areas of Texas (San Antonio, Austin, El Paso, Rio Grande Valley, Corpus Christi), Colorado (Denver, Colorado Springs, Pueblo, Fort Collins, Loveland, Boulder, Broomfield), or Utah (Salt Lake and Utah counties). Membership is also open to employees of the Department of Defense at specific military bases. - See Details

Related Posts

Security Service FCU (TX, CO, UT) Has Competitive 13-month CD - 10/9/2015

Security Service FCU (TX/CO/UT) has a 13-month (1.25% APY on deposits of $100K+). Lower APYs available for smaller deposits. Also available as an IRA at same tiered APYs.

13 Month Cd Deal Security Service Federal Credit Union - 10/2/2015

Rates may vary depending on which state you live in. Amt            Div. Rate $500              1.09% $25,000         1.14% $50,000         1.19% $100,000       1.24% https://www.ssfcu.org/en-us/rates/Pages/cd.aspx

View all posts from:

9/28/12 - Top 15-Month CD Rates at Security Service FCU in TX, CO & UT
7/3/12 - Top CD Rates at Security Service FCU in TX, CO & UT
1/3/12 - $150 Checking Account Bonus at Security Service FCU in Utah - Local Only
6/30/11 - Rates Changing At Security Services FCU
6/6/11 - Review Of A CD Which Has One Of The Highest Rates In The Nation
5/13/11 - Survey of the Best Local CD Rates in San Jose, Denver, New York and Other Cities
5/9/11 - Higher 3-Year CD Rates at Security Service FCU in Texas & Colorado - Local Only
4/21/11 - Competitive CD Rates at Security Service FCU in TX, CO & UT - Local Only
2/15/11 - Top 18-Month CD Rate at Security Service FCU in TX & CO - Local Only
1/19/11 - Top CD and IRA CD Rates at Security Service FCU in TX & CO - Local Only
8/8/10 - Top 5-Year and 3-Year CD and IRA CD Rates at Security Service FCU in TX & CO - Local Only
7/25/10 - Top 3-Year CD Rates at Security Service FCU in TX & CO - Local Only
7/4/10 - 2.75% 3-Year CD At Security Service FCU In CO And TX
6/27/10 - Competitive CD Rates at Security Service FCU in TX & CO - Local Only
6/13/10 - 2.00% 15-Month Jumbo CD At Security Services FCU In TX And CO
5/4/10 - Special 15-Month CD at Security Service FCU in TX and CO - Local Only
11/28/08 - 15-Month CD with Yields from 4.15% to 4.30% at Security Service FCU in TX and CO
12/2/07 - 5.40% 36-Month / 5.35% 24-Month CD at a TX/CO Credit Union (Security Service).
12/11/06 - 6.00% 60-Month CD at a Utah CU (Family First)
11/6/06 - 6.00% 15-Month CD at a TX/CO Credit Union (Security Service)
8/22/06 - 5.85% 15-Month CD at a TX/CO Credit Union (Security Service)
8/4/06 - 5.85% 12-Month / 6.00% 60-Month CD at a Utah CU (Family First)
2/22/06 - 5.38% 60-Month CD at a Utah CU

Reviews (8)

Everything But Car Loans

Posted by: CONative | Aug 22, 2015

Security Service FCU purchased my local credit union when it was closed by the State of Colorado. It was strange though because SSFCU ran that credit union as a subsidiary for nearly 4 years before finally changing my accounts to SSFCU accounts. I never really gave SSFCU much thought but then one day I went to the website and nearly fell out of my chair when I saw how excellent the rates on deposits and loans were. 0.10% on regular savings; 0.30% on money market ($1000 or more); 6.49% MasterCard; 5.99% personal loans and 6% on a line of credit (for very qualified applicants of course). These are some of the best rates out there, easily beating Navy and PenFed. However, SSFCU's auto loan rates are higher than most other credit unions locally and nationally at over 3%. I have been very disappointed by the service I have received at the local branch here; the employees are not overly friendly or helpful and one was downright insulting. I would have expected better service from a credit union 1) based in Texas (y'all are stereotypically nice) and 2) a credit union with service in their name. My biggest complaint was when I had to provide documentation for my line of credit application; I entered my income at $4K more per year than what I earned at my new job-this was because I had switched jobs in the middle of the year and for that year, my income really was $4K more; but since the income on the earnings statement was not what I had entered the employee very loudly informed me and anybody else in the building that this income was incorrect. Basically calling me a liar. Then, after that, I had to wait in the lobby for approval; one of the member service people called me over and then realized that the approval was still pending and just sat there looking at her screen for 5 minutes without engaging me in conversation until the computer finally indicated that I was approved. Bottom line; I am not impressed with the service at that one branch location but I am completely impressed by the deposit and loan rates (except car). If you are eligible to join, you should!

This credit union has become an intergral part of my life!

Posted by: Sukii | Jan 22, 2015

I've had several banks and one other credit union in the past and I've never felt as if I've mattered to any of them. But at SSFCU I know that I'm not just some other random person! The employees at this credit union have gone out of the way not only to help us get the best loans but to help us when we recently moved out of state and ran into some problem with getting our new direct deposit set up! The person who attended us stayed 2 hours after her shift ended to ensure our documents were received and recorded so our loan payment would not be late!! I don't know of any other bank establishment caring so much as to even stay open for another 5 minutes to help someone in need!!

Best Credit Union Ever!

I opened a checking account with SSFCU in February. I was not happy with my bank and I was told by a friend how great SSFCU is so I checked them out. I was pleasantly surprised by my experience. The Member Service rep that helped my was really friendly and told me about the wonderful products they offer. She got me approved for a loan interest credit card and helped me balance transfer my high interest credit cards to my new SSFCU credit card. The branch manager even came out of her office to personally welcomed me to the credit union as their newest member.

I also was surprised to find out that they did not have any monthly fees and that they actually paid me 10 cents for every transaction I did with my debit card. How awesome is that? I would definitely recommend SSFCU to anyone who is trying to break away from banks. They truly care about their members and they are great to work with.

Too Many Fees

My mother has been apart of the credit union for over twenty years, so when I turned 18, and got my first job I opened an account with them. Basically milked me dry with overdraft fees, and their customer service was absolutely awful to boot. I ended up eventually just canceling my account and taking my business to another bank.

Absolute Worst Financial Institution Ever!

Posted by: RLH | Apr 6, 2016

I am in the process of pulling my deposited funds from this institution. SSFCU would not allow me to add my wife to any of the accounts! I will pull every dime out of this place and will warn EVERYONE to NEVER have any dealings with them.

Worst Customer Service EVER!!!

Posted by: aliciac | Jan 8, 2013

Let's see, so I'm in the military and needed a release of lien to ship my vehicle from Texas to Hawaii. It wasn't leaving the United States, it was just leaving the continental US. I called security service, they said all I had to do was send an email summing up what I needed done to an email address they provided and I'd be good to go, and should receive the letter within 3-5 business days. I did as they said and waited. I called on the 6th business day asking what the heck. After almost an hour on hold, I talked to some lady who said that they would not give me the letter because I owed $990 in overdraft fees. I asked when did these fees occur because I had been paying my car on time, and been making double payments, for the last 2 years, and this is the first I hear of it. She says that the overdrafts were from 2 years prior, and she's not sure why they didn't show up before, and that I needed to pay the $990 before they would let me ship my car. Mind you, the loan I have on my car is current and has NOTHING to do with the $990. I'm now 3 business days away from flying out and I have to pull $990 out of thin air to do this. I ask for a payment plan, a deferement, something to help me. They pretty much said too bad, so sad. I had to take out a loan through another bank to get this paid off. I had no issue paying the overdraft fees. But they should have something alot sooner, like whenever the overdrafts were about to get charged off, not 72 hours before I hop on a plane across the ocean. The worst part was that they were totally unwilling to work with me in any way. It was their way or the highway. Period.

Next issue: Called on a Monday to get a wire transfer done, after 20 minutes on hold and being transferred to 2 people in the call center, I was fit transferred to the wire department. I was on hold another 20 minutes, so I called from my wife's phone and after 10 minutes on hold, talked to someone else in the call center who transferred me to yet another person in the call center. She informed me that the wire transfer department went home early today because it was New Years Eve, and they wouldn't be back till Wednesday, and theyre open from 8-5 central time. Outstanding (sarcasm). Called back Wednesday, approximately 2pm central time. Again, the half an hour wait, the transferring between call center people, and then was told that again, the wire transfer department had gone home early, so call back tomorrow. I asked for the direct number to the department to call them the next day, and they provide it to me, or that's what they tell me the number is to. I called at 8:05am, and the number they gave me was disconnected. I called the call center and spoke with a woman who was transferring me to the wire department, was in hold for 5 minutes, not sure how considering they had JUST opened. But, yet another call center person picked up, and she transferred me to the wire department, and I dealt with a lady who sounded like she had just woken up and hated her job. I'm so glad I'm leaving this institution. I traded in my car and got a new auto loan with a new bank just to get away from these people.Their customer service is the worst I've ever experienced in my entire LIFE. If you're military, avoid this bank at all costs and go with USAA!!! And if you're not military, go with ANYONE else but this institution.

Frustrating Car Loan Experience

Posted by: Anonymous | Apr 19, 2012

Please be wary when obtaining a car loan from SSFCU. The staff are polite on the phone and seem helpful but there is a major disconnect between the front line and back office processing. I paid off my car loan 45-days ago at which time I called and inquired about when I would receive the title to my vehicle. I was told 10-14 business days unless I wanted to pay for expedited processing/shipping. I declined the expedited service as that was a sufficient time frame. After two weeks of not receiving my title I called once again just to verify that it had been sent - and was told that the request had been processed and I should be receiving the title any day. Two weeks later (one month after paying off my car loan) I called to check on the status and was told that it actually hadn't been sent but that they would expedite the process for me. I've now made 4 phone calls, spent nearly an hour on the phone while different departments search for my title and get no reassurance from anyone that I will get my title any time soon. I don't live in the area and feel completely helpless that SSFCU will follow through with anything they say as each time I call they tell me it has not been sent. Save yourself a nightmare on the back end, especially if you're selling a vehicle as the title will take forever to get transferred to a new owner. The people are friendly, but after a while it becomes blatantly obvious that once the conversation ends the service is totally out the window and you (consumer) will suffer. Sorry, but it's been terribly frustrating experience that I would never sign up for again.

Anyone Can Steal Your Money From SSFCU

For all potential and current SSFCU customers:

My wife and I have been banking here for 4 years using it to store some of our savings and a car loan. Someone was able to walk into the bank with a fake ID that had my name on it, go to two branches in the same day at least 4-5 times, and pull out tens of thousands of dollars. Nevermind that my wife and I have never visited any of the branches where our money was pulled out or that we only ever deposit money at the lone tree location, or that we were never alerted over the one week period this person pulled out money (were heading out for vacation and discovered this the day after we returned home) - until that is one alert employee thought the person's id looked fake.

SSFCU security protocols are a joke. ANYONE who knows you bank there can walk in with a fake id and steal your money. At Wells Fargo, Chase, or any other real bank you have to provide substantial amounts of very specific info to pull out any money. In the age of continuous security breaches, identify theft, etc... SSFCU's lack of meaningful protections for our money is grossly negligent and the height of stupidity. We will not be customers much longer...



Health
B+

Health Grade Components

Overall
NCUA #11065
Year Chartered1956
Employees1654
Primary Regulator
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD7.83%
Annual Interest Income$333.9MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$9.24B$8.31B
LoansQ4 2015vs Q4 2014$8.44B$7.77B
DepositsQ4 2015vs Q4 2014$7.17B$6.65B
Equity CapitalQ4 2015vs Q4 2014$745.1MM$687.1MM
Loan Loss AllowanceQ4 2015vs Q4 2014$88.5MM$73.2MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$101.1MM$83.6MM
Real Estate OwnedQ4 2015vs Q4 2014$1.0MM$3.6MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Security Service Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%--Variable Rate IRA Savings
0.10%--Security Service Basic Savings Account
0.10%--Youth Savings Account
0.10%--Club Account

Security Service Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$25k*-Money Market Account
OTHER TIERS: 0.10% Up to $1k | 0.30% $1k - $10k | 0.35% $10k - $25k

Security Service Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$100k*-Security Service Power Checking
OTHER TIERS: 0.05% Up to $10k | 0.40% $10k - $25k | 0.50% $25k - $50k | 0.60% $50k - $100k

Security Service Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.30%*$100k*-7 Year CD
OTHER TIERS: 2.15% $500 - $25k | 2.20% $25k - $50k | 2.25% $50k - $100k
2.25%*$100k*-5 Year CD
OTHER TIERS: 2.10% $500 - $25k | 2.15% $25k - $50k | 2.20% $50k - $100k
1.70%*$100k*-3 Year CD
OTHER TIERS: 1.55% $500 - $25k | 1.60% $25k - $50k | 1.65% $50k - $100k
1.40%*$100k*-2 Year CD
OTHER TIERS: 1.25% $500 - $25k | 1.30% $25k - $50k | 1.35% $50k - $100k
1.25%*$100k*-13 Month CD
OTHER TIERS: 1.10% $500 - $25k | 1.15% $25k - $50k | 1.20% $50k - $100k
0.70%*$100k*-1 Year CD
OTHER TIERS: 0.55% $500 - $25k | 0.60% $25k - $50k | 0.65% $50k - $100k
0.55%*$100k*-1 Year Future Builder CD
OTHER TIERS: 0.40% $250 - $25k | 0.45% $25k - $50k | 0.50% $50k - $100k
0.50%*$100k*-6 Month CD
OTHER TIERS: 0.35% $500 - $25k | 0.40% $25k - $50k | 0.45% $50k - $100k
0.35%*$100k*-3 Month CD
OTHER TIERS: 0.20% $500 - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k

Security Service Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.30%*$100k*-7 Year IRA
OTHER TIERS: 2.15% $500 - $25k | 2.20% $25k - $50k | 2.25% $50k - $100k
2.25%*$100k*-5 Year IRA
OTHER TIERS: 2.10% $500 - $25k | 2.15% $25k - $50k | 2.20% $50k - $100k
1.70%*$100k*-3 Year IRA
OTHER TIERS: 1.55% $500 - $25k | 1.60% $25k - $50k | 1.65% $50k - $100k
1.40%*$100k*-2 Year IRA
OTHER TIERS: 1.25% $500 - $25k | 1.30% $25k - $50k | 1.35% $50k - $100k
1.25%*$100k*-13 Month IRA
OTHER TIERS: 1.10% $500 - $25k | 1.15% $25k - $50k | 1.20% $50k - $100k
0.70%*$100k*-1 Year IRA
OTHER TIERS: 0.55% $500 - $25k | 0.60% $25k - $50k | 0.65% $50k - $100k
0.55%*$100k*-1 Year Future Builder IRA
OTHER TIERS: 0.40% $250 - $25k | 0.45% $25k - $50k | 0.50% $50k - $100k
0.50%*$100k*-6 Month IRA
OTHER TIERS: 0.35% $500 - $25k | 0.40% $25k - $50k | 0.45% $50k - $100k
0.35%*$100k*-3 Month IRA
OTHER TIERS: 0.20% $500 - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k
Locations

Security Service Federal Credit Union has 72 locations. Click to view all Security Service Federal Credit Union locations.