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Security Service Federal Credit Union


Overview / Commentary
www.ssfcu.org
888-415-7878
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 in Security Service Federal Credit Union is open to those who live, work, volunteer, worship, attend school, or own a business in Colorado, Texas, or Utah. Membership is also open to members of select military branches/units or a Department of Defense employee at specific military bases within the credit union's service areas. Immediate family and household members of current members are also eligible to join.
See current membership details

Related Posts

View all posts from:

3/6/14 - Competitive CD Rates at Security Service FCU in TX, CO & UT
1/29/14 - Security Service FCU 13 Month CD Rate
10/15/13 - 15 Month Cd Special 1.25%
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
6/6/11 - Review Of A CD Which Has One Of The Highest Rates In The Nation
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
1/5/08 - 5.40% 36-Month / 5.35% 24-Month CD at a TX/CO Credit Union (Security Service).
10/19/07 - 5.60% 12-Month / 5.60% 60-Month CD at a Texas CU (West Texas)
8/28/07 - 5.60% 12-Month CD at a Texas CU (West Texas)
5/30/07 - 5.50% 12-Month CD at a Texas CU (West Texas)
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 (18)

Excellent Bank & Service!!

Posted by: |

I love this Bank always reliable & trustworthy. Chris is always fast & helpful! As is the other employees no complaints.

2

Updating My Review

Posted by: |

I am updating a one star review. I had recently had a truly bad experience with a Call Center rep, but my local branch in Broomfield reached out to me and made it right, so I am upgrading my review to 4 stars, because they were not only responsive to my complaint, but are actively working to fix it so it doesn't happen again. I still knocked off one star for the hassle I experienced in dealing with the call center. I have had very good experiences with the Broomfield branch in the past, so that experience still holds, as far as the Branch is concerned.

1

Too Many Fees

Posted by: |

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.

6

Incompetency

Posted by: |

Do not get auto loan with Security Service. Incompetency runs rampant.
Did not get my coupon book and had to call so they could mail my account number I. Spent time over the phone making payment and setting up auto payment. I was contacted that my payment was late and my credit score had been dinged 88 points. I never received a call to or email the automatic payment didn't go through.
. When I called to see if I could rectify the reporting to the credit bureaus they said there's nobody I can talk to and there's nothing I can do.
I tried two more times to set up automatic payment and it didn't go through.

1
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Health
A+

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #11065
Year Chartered1956
Employees1850
Primary Regulator
Profit Margin
Return on Assets - YTD1.51%
Return on Equity - YTD13.55%
Annual Interest Income$343.8MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$10.49B$9.83B
LoansQ4 2021vs Q4 2020$8.94B$8.71B
DepositsQ4 2021vs Q4 2020$9.00B$8.51B
Equity CapitalQ4 2021vs Q4 2020$1.16B$1.00B
Loan Loss AllowanceQ4 2021vs Q4 2020$126.6MM$156.0MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$47.6MM$68.8MM
Real Estate OwnedQ4 2021vs Q4 2020$483.00K$92.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Security Service Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.05%--Basic Savings Account
0.05%$5-Youth Savings Account
0.05%$5-Club Account
0.05%--Variable Rate IRA

Security Service Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$250k*-Money Market Account
OTHER TIERS: 0.05% → $5 - $50k | 0.10% → $50k - $100k | 0.15% → $100k - $250k

Security Service Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%*$250k*-Power Protected Checking Account
OTHER TIERS: 0.05% → Up to $10k | 0.10% → $10k - $25k | 0.20% → $25k - $50k | 0.25% → $50k - $100k | 0.40% → $100k - $250k

Security Service Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*†$50k*-7 Year CD
OTHER TIERS: 1.90% → $500 - $25k | 1.95% → $25k - $50k
1.90%*†$50k*-5 Year CD
OTHER TIERS: 1.80% → $500 - $25k | 1.85% → $25k - $50k
1.75%*†$50k*-3 Year CD
OTHER TIERS: 1.65% → $500 - $25k | 1.70% → $25k - $50k
1.50%*†$50k*-30 Month CD
OTHER TIERS: 1.40% → $500 - $25k | 1.45% → $25k - $50k
1.25%*†$50k*-15 Month CD
OTHER TIERS: 1.15% → $500 - $25k | 1.20% → $25k - $50k
0.90%*†$50k*-2 Year CD
OTHER TIERS: 0.80% → $500 - $25k | 0.85% → $25k - $50k
0.80%*†$50k*-1 Year CD
OTHER TIERS: 0.70% → $500 - $25k | 0.75% → $25k - $50k
0.70%*†$50k*-1 Year Future Builder CD
OTHER TIERS: 0.60% → $250 - $25k | 0.65% → $25k - $50k
0.65%*†$50k*-6 Month CD
OTHER TIERS: 0.55% → $500 - $25k | 0.60% → $25k - $50k
0.40%*†$50k*-3 Month CD
OTHER TIERS: 0.30% → $500 - $25k | 0.35% → $25k - $50k

Security Service Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*†$50k*-7 Year IRA
OTHER TIERS: 1.90% → $500 - $25k | 1.95% → $25k - $50k
1.90%*†$50k*-5 Year IRA
OTHER TIERS: 1.80% → $500 - $25k | 1.85% → $25k - $50k
1.75%*†$50k*-3 Year IRA
OTHER TIERS: 1.65% → $500 - $25k | 1.70% → $25k - $50k
1.50%*†$50k*-30 Month IRA
OTHER TIERS: 1.40% → $500 - $25k | 1.45% → $25k - $50k
1.25%*†$50k*-15 Month IRA
OTHER TIERS: 1.15% → $500 - $25k | 1.20% → $25k - $50k
0.90%*†$50k*-2 Year IRA
OTHER TIERS: 0.80% → $500 - $25k | 0.85% → $25k - $50k
0.80%*†$50k*-1 Year IRA
OTHER TIERS: 0.70% → $500 - $25k | 0.75% → $25k - $50k
0.70%*†$50k*-1 Year Future Builder IRA
OTHER TIERS: 0.60% → $250 - $25k | 0.65% → $25k - $50k
0.65%*†$50k*-6 Month IRA
OTHER TIERS: 0.55% → $500 - $25k | 0.60% → $25k - $50k
0.40%*†$50k*-3 Month IRA
OTHER TIERS: 0.30% → $500 - $25k | 0.35% → $25k - $50k
Locations

Availability

San Antonio Area

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