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Security Service Federal Credit Union
2.25*%$100k-Security Service Federal Credit Union5 Year CD
2.25*%$100k-Security Service Federal Credit Union5 Year IRA (Traditional, Roth, CESA)
1.25*%$100k-Security Service Federal Credit Union13 Month CD
1.25*%$100k-Security Service Federal Credit Union13 Month IRA (Traditional, Roth, CESA)
Accounts mentioned in this post. Rates as of April 29, 2016.

Competitive CD Rates at Security Service FCU in TX, CO & UT


Security Service Federal Credit Union just increased its 5-year CD and IRA CD rates. Rates went up by 40 basis points. In San Antonio, the Jumbo 5-year CD rate is 2.25% APY. This requires a $100,000 minimum deposit. Rate is 5 basis points lower for a $50K minimum, 10 basis points lower for a $25K minimum and 15 basis points lower for a $500 minimum.

Security Service FCU continues to offer a good deal on a 13-month CD. In San Antonio, the Jumbo 13-month CD rate is 1.25% APY.

Rates vary by location. You can see the rates in your area by inputting your zip code in the credit union's rates page. In addition to San Antonio, I’ve tried zip codes in Colorado, Utah and South Texas (McAllen). Unfortunately, the rates are lower in Colorado and Utah. However, the rates are higher in McAllen. Below are the rates for a $100K minimum deposit for these four different areas as of 3/6/2014:

  • McAllen, TX (78504): 2.50% APY 5-year, 1.25% APY 6-month
  • San Antonio, TX (78256): 2.25% APY 5-year, 1.25% APY 13-month
  • Salt Lake, UT (84129): 2.10% APY 5-year, 1.00% APY 13-month
  • Aurora, CO (80014): 1.95% APY 5-year, 1.00% Apy 13-month

If you try different zip codes, please leave a comment about the rates that were listed.

The early withdrawal penalty and other details about the CDs and IRA CDs are listed in the Truth-in-Savings Disclosure. According to this disclosure:

* If your account has an original maturity of more than one year, but less than five years:
We may impose a penalty of all dividends earned not to exceed 180 days with a minimum of 60 days dividends, whether earned or not.
* If your account has an original maturity of five years or more:
We may impose a penalty of all dividends earned not to exceed 360 days with a minimum of 90 days dividends, whether earned or not.

Unfortunately, the credit union appears to give itself the right to refuse an early withdrawal with the statement "You may not make withdrawals of principal from your account before maturity."


The fact that the credit union rates table shows rates for any zip code doesn't mean you can qualify for membership. Unlike other large credit unions, Security Service FCU doesn't appear to provide for an easy way in which everyone can qualify for membership.

According to the credit union's Ways to Join page, membership is primarily limited to areas of Texas, Colorado and Utah. Please refer to the Ways to Join page for the specific counties.

The three state pages list a few associations and organizations that may make you eligible to join the credit union. A reader in 2012 mentioned that he was able to join without living in San Antonio by being a member of the Methodist Churches in Southwest Texas.

Credit Union Overview

Security Service Federal Credit Union branches are located in several Texas, Colorado and Utah cities. Some of the major cities include San Antonio, McAllen, El Paso, Denver, Colorado Springs, Fort Collins, Pueblo, Salt Lake City, Provo and St. George.

The credit union is a member of the CU Service Centers, a shared branch network. This lets members use branches of other credit unions in the network for many banking transactions. It's also part of the CO-OP Network ATMs which offers members many ATMs around the nation for surcharge-free withdrawals.

It's a large credit union with $7.68 billion in assets and over 1,500 employees. The credit union has an overall health grade at DepositAccounts.com of a B+ with a Texas ratio of 10.23% (excellent) based on December 2013 data. Please refer to our financial overview of Security Service Federal Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 11065).

How These CD Rates Compare

GE Capital Retail Bank currently has the best nationally available 5-year CD with a 2.25% APY for a $25K minimum deposit and a 2.20% APY for a $2K minimum deposit. This bank also has the best deal for terms around 12 months. Its special 15-month CD has a 1.15% APY with a $2K minimum deposit. These rates are accurate as of 3/6/2014.

To search for nationwide CD rates and CD rates in your state, please refer to the best CD rates section of DepositAccounts.com.

Related Pages: Security Service Federal Credit Union, Corpus Christi, Harlingen, San Antonio, Denver, Colorado Springs, El Paso, Salt Lake City, CD rates, IRA rates

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Shorebreak   |     |   Comment #1
Years ago I went to the Security Service Federal CU branch at Lackland AFB, TX to open an account. Since I didn't qualify for membership due to their county, association and organization restrictions I opened an account with Randolph-Brooks Federal CU instead.
Anonymous   |     |   Comment #2
Anonymous   |     |   Comment #3
How hard is it to move CDs between IRA accounts at different banks? I have CDs in traditional IRA accounts at three different banks.  I have seen higher rates at some other banks.  Is it worth the effort to move CD IRA accounts between different banks to get the higher rates?  How much effort is it?
Anonymous   |     |   Comment #4
Several ways to do it...one is to take a "distribution" but roll it over into/at another institution within the 60 day window...but be careful on the 12 month rule that allows only one distribution (as I recall) per IRA account.   I've had a trustee to trustee rollover and I was the "mail courier" so that there was no delay...need to ascertain if the transferor/ee trustees will allow it.  Talk to the transferee entity since they will have your money and should make it easy!  Lastly watch for any fees at the transferor entity...I've left $1 in one IRA to not be assessed a charge for closing!
Anonymous   |     |   Comment #5
Do the math and decide if the transfer documentation is worth the effort to get the higher rate.  You might be surprised what your retirement nest egg will grow to be if you take the extra effort along the way to strive to always get the highest rate.