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Family Security Credit Union Rates & Review October 2026

Q: What are the current interest rates at Family Security Credit Union?

Current rates for Family Security Credit Union include: 12-Month CD: 3.76%, 24-Month CD: 3.61%, 60-Month CD: 3.30%, Savings: 2.12%

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 26, 2026

Family Security Credit Union's 1 Year Super Jumbo CD rates are at 3.87%, 1 YR Roth Super Jumbo CD rates are at 3.87%, 1 YR Traditional Super Jumbo IRA CD rates are at 3.87%, 1 Year Jumbo CD rates are at 3.82%, 1 YR Roth Jumbo CD rates are at 3.82%. Family Security Credit Union's savings rates are at 2.12%. Family Security Credit Union's 7 Year Conventional Fixed Rate rates are at 4.99%, 15 Year Conventional Fixed Rate rates are at 5.49%, 10 Year Conventional Fixed Rate rates are at 5.75%, 20 Year Conventional Fixed Rate rates are at 6.25%, 30 Year 5/1 Conventional Adjustable Rate Loan rates are at 5.25%. Family Security Credit Union's RV, Boat and Powersport Loan Rates are as low as 6.34%. Family Security Credit Union's Credit Card Rates are at 12.40%. MonitorBankRates evaluates the financial stability of Family Security Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.16%. Rates last updated and verified on 10/26/2026.

Family Security Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Family Security Credit Union? Share your experience about Family Security Credit Union by leaving a review below, or read customer reviews before you decide to use Family Security Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.16%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Family Security Credit Union
Administration II

2204 Family Security Pl SW
Decatur, AL 35603

https://myfscu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Family Security Credit Union CD Rates

Product	Rate	APY	Term
1 Year Super Jumbo Certificate	3.80%	3.87%	1 year
Min Balance $100,000 Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.76% → 3.87% ▲ 0.11 pts · high 3.87% / low 3.76% Oct 26, 20263.87%▲ from 3.76% Sep 18, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
1 YR Roth Super Jumbo Certificate	3.80%	3.87%	1 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 3.76% → 3.87% ▲ 0.11 pts · high 3.87% / low 3.76% Oct 26, 20263.87%▲ from 3.76% Oct 19, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
1 YR Traditional Super Jumbo IRA Certificate	3.80%	3.87%	1 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.76% → 3.87% ▲ 0.11 pts · high 3.87% / low 3.76% Oct 26, 20263.87%▲ from 3.76% Sep 18, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
1 Year Jumbo Certificate	3.75%	3.82%	1 year
Min Balance $50,000 Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.71% → 3.82% ▲ 0.11 pts · high 3.82% / low 3.71% Oct 26, 20263.82%▲ from 3.71% Sep 18, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
1 YR Roth Jumbo Certificate	3.75%	3.82%	1 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 3.71% → 3.82% ▲ 0.11 pts · high 3.82% / low 3.71% Oct 26, 20263.82%▲ from 3.71% Oct 19, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
1 YR Traditional Jumbo IRA Certificate	3.75%	3.82%	1 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.71% → 3.82% ▲ 0.11 pts · high 3.82% / low 3.71% Oct 26, 20263.82%▲ from 3.71% Sep 18, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
1 Year Certificate	3.70%	3.76%	1 year
Min Balance $1,000 Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66% Oct 26, 20263.76%▲ from 3.66% Sep 18, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
1 YR Roth Certificate	3.70%	3.76%	1 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66% Oct 26, 20263.76%▲ from 3.66% Oct 19, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
1 YR Traditional IRA Certificate	3.70%	3.76%	1 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66% Oct 26, 20263.76%▲ from 3.66% Sep 18, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
2 Year Super Jumbo Certificate	3.65%	3.71%	2 years
Min Balance $100,000 Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.71% ▲ 0.26 pts · high 3.71% / low 3.45% Oct 26, 20263.71%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
2 YR Roth Super Jumbo Certificate	3.65%	3.71%	2 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 3.45% → 3.71% ▲ 0.26 pts · high 3.71% / low 3.45% Oct 26, 20263.71%▲ from 3.45% Oct 19, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
2 YR Traditional Super Jumbo IRA Certificate	3.65%	3.71%	2 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.71% ▲ 0.26 pts · high 3.71% / low 3.45% Oct 26, 20263.71%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
2 Year Jumbo Certificate	3.60%	3.66%	2 years
Min Balance $50,000 Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.66% ▲ 0.26 pts · high 3.66% / low 3.40% Oct 26, 20263.66%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
2 YR Roth Jumbo Certificate	3.60%	3.66%	2 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 3.40% → 3.66% ▲ 0.26 pts · high 3.66% / low 3.40% Oct 26, 20263.66%▲ from 3.40% Oct 19, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
2 YR Traditional Jumbo IRA Certificate	3.60%	3.66%	2 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.66% ▲ 0.26 pts · high 3.66% / low 3.40% Oct 26, 20263.66%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
6 Month Super Jumbo Certificate	3.60%	3.66%	6 months
Min Balance $100,000 Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.61% → 3.66% ▲ 0.05 pts · high 3.66% / low 3.61% Oct 26, 20263.66%▲ from 3.61% Sep 18, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
2 Year Certificate	3.55%	3.61%	2 years
Min Balance $1,000 Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.61% ▲ 0.26 pts · high 3.61% / low 3.35% Oct 26, 20263.61%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
2 YR Roth Certificate	3.55%	3.61%	2 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 3.35% → 3.61% ▲ 0.26 pts · high 3.61% / low 3.35% Oct 26, 20263.61%▲ from 3.35% Oct 19, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
2 YR Traditional IRA Certificate	3.55%	3.61%	2 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.61% ▲ 0.26 pts · high 3.61% / low 3.35% Oct 26, 20263.61%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
6 Month Jumbo Certificate	3.55%	3.61%	6 months
Min Balance $50,000 Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.56% → 3.61% ▲ 0.05 pts · high 3.61% / low 3.56% Oct 26, 20263.61%▲ from 3.56% Sep 18, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
6 Month Certificate	3.50%	3.56%	6 months
Min Balance $1,000 Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.51% → 3.56% ▲ 0.05 pts · high 3.56% / low 3.51% Oct 26, 20263.56%▲ from 3.51% Sep 18, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
5 Year Super Jumbo Certificate	3.35%	3.40%	5 years
Min Balance $100,000 Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.14% → 3.40% ▲ 0.26 pts · high 3.40% / low 3.14% Oct 26, 20263.40%▲ from 3.14% Sep 18, 20263.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
4 Year Super Jumbo Certificate	3.30%	3.35%	4 years
Min Balance $100,000 Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 2.94% → 3.35% ▲ 0.41 pts · high 3.35% / low 2.94% Oct 26, 20263.35%▲ from 2.94% Sep 18, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
4 YR Roth Super Jumbo Certificate	3.30%	3.35%	4 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 3.04% → 3.35% ▲ 0.31 pts · high 3.35% / low 3.04% Oct 26, 20263.35%▲ from 3.04% Oct 19, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
4 YR Traditional Super Jumbo IRA Certificate	3.30%	3.35%	4 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.35% ▲ 0.31 pts · high 3.35% / low 3.04% Oct 26, 20263.35%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
5 Year Jumbo Certificate	3.30%	3.35%	5 years
Min Balance $50,000 Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.05% → 3.35% ▲ 0.30 pts · high 3.35% / low 3.05% Oct 26, 20263.35%▲ from 3.05% Sep 18, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
5 YR Roth Jumbo Certificate	3.30%	3.35%	5 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 3.09% → 3.35% ▲ 0.26 pts · high 3.35% / low 3.09% Oct 26, 20263.35%▲ from 3.09% Oct 19, 20263.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
5 YR Traditional Jumbo IRA Certificate	3.30%	3.35%	5 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.09% → 3.35% ▲ 0.26 pts · high 3.35% / low 3.09% Oct 26, 20263.35%▲ from 3.09% Sep 18, 20263.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
3 Year Super Jumbo Certificate	3.25%	3.30%	3 years
Min Balance $100,000 Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 2.94% → 3.30% ▲ 0.36 pts · high 3.30% / low 2.94% Oct 26, 20263.30%▲ from 2.94% Sep 18, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
3 YR Roth Super Jumbo Certificate	3.25%	3.30%	3 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 2.94% → 3.30% ▲ 0.36 pts · high 3.30% / low 2.94% Oct 26, 20263.30%▲ from 2.94% Oct 19, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
3 YR Traditional Super Jumbo IRA Certificate	3.25%	3.30%	3 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 2.94% → 3.30% ▲ 0.36 pts · high 3.30% / low 2.94% Oct 26, 20263.30%▲ from 2.94% Sep 18, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
4 Year Jumbo Certificate	3.25%	3.30%	4 years
Min Balance $50,000 Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 2.99% → 3.30% ▲ 0.31 pts · high 3.30% / low 2.99% Oct 26, 20263.30%▲ from 2.99% Sep 18, 20262.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
4 YR Roth Jumbo Certificate	3.25%	3.30%	4 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 2.99% → 3.30% ▲ 0.31 pts · high 3.30% / low 2.99% Oct 26, 20263.30%▲ from 2.99% Oct 19, 20262.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
4 YR Traditional Jumbo IRA Certificate	3.25%	3.30%	4 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 2.99% → 3.30% ▲ 0.31 pts · high 3.30% / low 2.99% Oct 26, 20263.30%▲ from 2.99% Sep 18, 20262.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
5 Year Certificate	3.25%	3.30%	5 years
Min Balance $1,000 Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.30% ▲ 0.26 pts · high 3.30% / low 3.04% Oct 26, 20263.30%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
5 YR Roth Certificate	3.25%	3.30%	5 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 3.04% → 3.30% ▲ 0.26 pts · high 3.30% / low 3.04% Oct 26, 20263.30%▲ from 3.04% Oct 19, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
5 YR Traditional IRA Certificate	3.25%	3.30%	5 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 3.30% ▲ 0.26 pts · high 3.30% / low 3.04% Oct 26, 20263.30%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
3 Year Jumbo Certificate	3.20%	3.25%	3 years
Min Balance $50,000 Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 2.89% → 3.25% ▲ 0.36 pts · high 3.25% / low 2.89% Oct 26, 20263.25%▲ from 2.89% Sep 18, 20262.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
3 YR Roth Jumbo Certificate	3.20%	3.25%	3 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 2.89% → 3.25% ▲ 0.36 pts · high 3.25% / low 2.89% Oct 26, 20263.25%▲ from 2.89% Oct 19, 20262.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
3 YR Traditional Jumbo IRA Certificate	3.20%	3.25%	3 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 2.89% → 3.25% ▲ 0.36 pts · high 3.25% / low 2.89% Oct 26, 20263.25%▲ from 2.89% Sep 18, 20262.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
4 Year Certificate	3.20%	3.25%	4 years
Min Balance $1,000 Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 2.94% → 3.25% ▲ 0.31 pts · high 3.25% / low 2.94% Oct 26, 20263.25%▲ from 2.94% Sep 18, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
4 YR Roth Certificate	3.20%	3.25%	4 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 2.94% → 3.25% ▲ 0.31 pts · high 3.25% / low 2.94% Oct 26, 20263.25%▲ from 2.94% Oct 19, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
4 YR Traditional IRA Certificate	3.20%	3.25%	4 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 2.94% → 3.25% ▲ 0.31 pts · high 3.25% / low 2.94% Oct 26, 20263.25%▲ from 2.94% Sep 18, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
3 Year Certificate	3.15%	3.20%	3 years
Min Balance $1,000 Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 2.84% → 3.20% ▲ 0.36 pts · high 3.20% / low 2.84% Oct 26, 20263.20%▲ from 2.84% Sep 18, 20262.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
3 YR Roth Certificate	3.15%	3.20%	3 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 2.84% → 3.20% ▲ 0.36 pts · high 3.20% / low 2.84% Oct 26, 20263.20%▲ from 2.84% Oct 19, 20262.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
3 YR Traditional IRA Certificate	3.15%	3.20%	3 years
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 2.84% → 3.20% ▲ 0.36 pts · high 3.20% / low 2.84% Oct 26, 20263.20%▲ from 2.84% Sep 18, 20262.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

Family Security Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	2.10%	2.12%
Min Balance $25 Details Balance: $25.00 or more Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 2.12% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
IRA Share	2.10%	2.12%
Min Balance $25 Details Balance: $25.00 or more; Business Share Savings page, IRA Share Rates table Last Updated 10/26/2026 Rate History No change since Oct 9, 2026 · 2.12% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

Family Security Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Share Savings	0.40%	0.40%
Min Balance $25 Details Balance: $25.00 or more; Dividends paid monthly; Business Share Savings; All Rates as of January 2, 2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

Family Security Credit Union Mortgage Rates

Product	Rate	Points	APR
7 Year Conventional Fixed Rate	4.99%	-	5.20%
No additional details. Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 5.20% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
15 Year Conventional Fixed Rate	5.49%	-	5.59%
No additional details. Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 5.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
10 Year Conventional Fixed Rate	5.75%	-	6.052%
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 5.82% → 6.05% ▲ 0.23 pts · high 6.05% / low 5.82% Oct 26, 20266.05%▲ from 5.82% Sep 18, 20265.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
20 Year Conventional Fixed Rate	6.25%	-	6.423%
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 6.18% → 6.42% ▲ 0.24 pts · high 6.42% / low 6.18% Oct 26, 20266.42%▲ from 6.18% Sep 18, 20266.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
30 Year 5/1 Conventional Adjustable Rate Loan	5.25%	-	6.498%
Details Adjustable rate loan; ARM loans are variable rate loans and payments may increase after consummation Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 6.33% → 6.50% ▲ 0.17 pts · high 6.50% / low 6.33% Oct 26, 20266.50%▲ from 6.33% Sep 18, 20266.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Home - 30 Year VA Loan	6.25%	-	6.672%
No additional details. Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 6.67% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
First Time Home Buyer 15 Year Conventional Fixed Rate	6.50%	-	6.718%
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 6.48% → 6.72% ▲ 0.24 pts · high 6.72% / low 6.48% Oct 26, 20266.72%▲ from 6.48% Sep 18, 20266.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
30 Year Conventional Fixed Rate	6.75%	-	6.885%
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 6.64% → 6.89% ▲ 0.25 pts · high 6.89% / low 6.64% Oct 26, 20266.89%▲ from 6.64% Sep 18, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
First Time Home Buyer 30 Year Conventional Fixed Rate	7.25%	-	7.389%
No additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 18, 2026 · 7.14% → 7.39% ▲ 0.25 pts · high 7.39% / low 7.14% Oct 26, 20267.39%▲ from 7.14% Sep 18, 20267.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
30 Year FHA Loan	6.25%	-	7.431%
Details FHA loans require 3.5% down Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 7.43% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

Family Security Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	7.25%	-	7.25%
Details Variable based upon Wall Street Journal Prime, maximum rate 18%. Closing costs range between $0 and $3,000. $0 closing costs as long as initial advance is $10,000 or greater. Contact a representative for additional details. Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Sep 18, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

Family Security Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Automobiles, Boats, Travel Trailers, Farm Equipment - 36 Months or less	-	-	5.34%	36 Months
Details As Low As; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Automobiles, Boats, Travel Trailers, Farm Equipment - 48 Months	-	-	5.34%	48 Months
Details As Low As; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Automobiles, Boats, Travel Trailers, Farm Equipment - 60 Months	-	-	5.34%	60 Months
Details As Low As; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Automobiles, Boats, Travel Trailers, Farm Equipment - 72 Months	-	-	5.60%	72 Months
Details As Low As; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Automobiles, Boats, Travel Trailers, Farm Equipment - 84 Months	-	-	6.34%	84 Months
Details As Low As; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 6.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

Family Security Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Automobiles, Boats, Travel Trailers, Farm Equipment - 36 Months or less	-	5.34%	36 Months
Details As Low As; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Automobiles, Boats, Travel Trailers, Farm Equipment - 48 Months	-	5.34%	48 Months
Details As Low As; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Automobiles, Boats, Travel Trailers, Farm Equipment - 60 Months	-	5.34%	60 Months
Details As Low As; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Automobiles, Boats, Travel Trailers, Farm Equipment - 72 Months	-	5.60%	72 Months
Details As Low As; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Automobiles, Boats, Travel Trailers, Farm Equipment - 84 Months	-	6.34%	84 Months
Details As Low As; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 6.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors - 36 Months or less Loan	-	6.34%	36 Months
Details As Low As; Rates as low as 6.34% APR; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors - 48 Months Loan	-	6.34%	48 Months
Details As Low As; Rates as low as 6.34% APR; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors - 60 Months Loan	-	6.34%	60 Months
Details As Low As; Rates as low as 6.34% APR; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors Loan	-	6.34%	36 Months or less
Details As Low As; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Sep 21, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors Loan	-	6.34%	48 Months
Details As Low As; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Sep 21, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors Loan	-	6.34%	60 Months
Details As Low As; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Sep 21, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors - 72 Months Loan	-	6.60%	72 Months
Details As Low As; Rates as low as 6.60% APR; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 6.60% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors Loan	-	6.60%	72 Months
Details As Low As; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Sep 21, 2026 · 6.60% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

Family Security Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum	-	12.40%
Details As Low As; Rates as low as 12.40% APR; Subject to credit approval; based on evaluation of credit history Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 12.40% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
VISA Student	-	12.40%
Details As Low As; Rates as low as 12.40% APR; Subject to credit approval; based on evaluation of credit history Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 12.40% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
VISA Platinum Plus	-	14.40%
Details As Low As; Rates as low as 14.40% APR; Subject to credit approval; based on evaluation of credit history Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 14.40% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
VISA Signature	-	16.40%
Details $5000.00; As Low As; Rates as low as 16.40% APR; Subject to credit approval; based on evaluation of credit history Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 16.40% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

Family Security Credit Union Personal Loan Rates

Product	APR	Term
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors - 36 Months or less Loan	6.34%	36 Months
Details As Low As; Rates as low as 6.34% APR; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors - 48 Months Loan	6.34%	48 Months
Details As Low As; Rates as low as 6.34% APR; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors - 60 Months Loan	6.34%	60 Months
Details As Low As; Rates as low as 6.34% APR; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors Loan	6.34%	36 Months or less
Details As Low As; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Sep 21, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors Loan	6.34%	48 Months
Details As Low As; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Sep 21, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors Loan	6.34%	60 Months
Details As Low As; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Sep 21, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors - 72 Months Loan	6.60%	72 Months
Details As Low As; Rates as low as 6.60% APR; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 6.60% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors Loan	6.60%	72 Months
Details As Low As; Rates as of December 15, 2025 Last Updated 10/26/2026 Rate History No change since Sep 21, 2026 · 6.60% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Personal Loans	10.99%	36 Months or less
Details As Low As; Rates are based on an evaluation of credit history and loan term Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
VISA Signature	16.40%
Details $5000.00; As Low As; Rates as low as 16.40% APR; Subject to credit approval; based on evaluation of credit history Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 16.40% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

Family Security Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Rural Housing USDA Loan	6.25%	-	6.903%
Last Updated 10/26/2026 Rate History No change since Sep 18, 2026 · 6.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Coverdell Education Savings Account - 1 Year Certificate	3.70%	-	3.76%	1 Year
Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66% Oct 26, 20263.76%▲ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Coverdell Education Savings Account - 2 Year Certificate	3.55%	-	3.61%	2 Year
Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.61% ▲ 0.26 pts · high 3.61% / low 3.35% Oct 26, 20263.61%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Coverdell Education Savings Account - 3 Year Certificate	3.15%	-	3.20%	3 Year
Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 2.84% → 3.20% ▲ 0.36 pts · high 3.20% / low 2.84% Oct 26, 20263.20%▲ from 2.84% Sep 14, 20262.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Coverdell Education Savings Account - 4 Year Certificate	3.20%	-	3.25%	4 Year
Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 2.94% → 3.25% ▲ 0.31 pts · high 3.25% / low 2.94% Oct 26, 20263.25%▲ from 2.94% Sep 14, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Coverdell Education Savings Account - 5 Year Certificate	3.25%	-	3.30%	5 Year
Details All Rates as of October 16, 2026 Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 3.04% → 3.30% ▲ 0.26 pts · high 3.30% / low 3.04% Oct 26, 20263.30%▲ from 3.04% Sep 14, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Family Security Credit Union’s Texas Ratio stayed near 1.14% in Q3 2023 to 1.16% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	1.16%	5.0	A+
March 31, 2026	$1.1B	1.23%	5.0	A+
December 31, 2025	$1.1B	1.42%	5.0	A+
September 30, 2025	$1.0B	1.40%	5.0	A+
June 30, 2025	$1.0B	1.20%	5.0	A+
March 31, 2025	$1.0B	1.31%	5.0	A+
December 31, 2024	$975M	1.60%	5.0	A+
September 30, 2024	$965M	1.30%	5.0	A+
June 30, 2024	$959M	1.20%	5.0	A+
March 31, 2024	$956M	1.07%	5.0	A+
December 31, 2023	$931M	0.99%	5.0	A+
September 30, 2023	$932M	1.14%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Family Security Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Family Security Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Family Security Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Family Security Credit Union

Website https://myfscu.com

Address 2204 Family Security Pl SW, Decatur, AL 35603

Phone 256-340-2000

Fax 256-353-9740

President James Jeffreys

CEO Shane Nobbley

Full-Time Employees 220

Part-Time Employees 7

Branch Locations 23

ATM Locations 23

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.16%

Return on Assets (ROA)

0.9889%

Return on Equity (ROE)

4.9628%

Non-Performing Loans Ratio (NPL)

0.61%

Total Assets

1,088,158,869

Total Amount of Shares and Deposits

876,461,051

Total Shares and Deposits < 1 Year

845,449,117

Total Shares and Deposits 1 3 Years

23,255,358

Total Shares and Deposits > 3 Years

7,756,576

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

25,636,191

Total Uninsured Shares and Deposits > $250K (F+J)

25,636,191

Total Insured Shares and Deposits > $250K (item 17 less item K)

850,824,860

Total Interest Expense (Sum of items 6 8)

5,172,858

Share Certificates

3,047

Number of Accounts for Share Drafts

52,016

IRA KEOGH Accounts

1,667

Number of Accounts for Regular Shares

92,333

All other shares

287

Money Market Shares

4,569

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

279,218,567

Total Liabilities

881,687,824

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Family Security Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Family Security Credit Union

Does Family Security Credit Union offer CDs?

Yes. Family Security Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 26, 2026 include 3.87% APY on its 1 Year Super Jumbo CD, 3.87% APY on its 1 YR Roth Super Jumbo CD and 3.87% APY on its 1 YR Traditional Super Jumbo IRA CD.

Are CDs from Family Security Credit Union NCUA insured?

Yes. Family Security Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Family Security Credit Union?

The highest CD rate MonitorBankRates has verified for Family Security Credit Union is 3.87% APY on its 1 Year Super Jumbo CD, as of October 26, 2026.

What CD terms does Family Security Credit Union offer?

The Family Security Credit Union CD terms MonitorBankRates tracks include 12 month, 2 year and 5 year terms, with rates from 3.82% to 3.87% APY. The institution may offer other terms or specials that are not listed here, so check with Family Security Credit Union for its full lineup.

What is the highest savings rate at Family Security Credit Union?

The highest savings rate MonitorBankRates has verified for Family Security Credit Union is 2.12% APY on its Health Savings Account, as of October 26, 2026.

What is the lowest 30 year fixed mortgage rate at Family Security Credit Union?

The lowest 30 year fixed mortgage rate MonitorBankRates has verified for Family Security Credit Union is 6.75% rate on its 30 Year Conventional Fixed Rate, as of October 26, 2026.

What is the lowest personal loan rate at Family Security Credit Union?

The lowest personal loan rate MonitorBankRates has verified for Family Security Credit Union is 6.34% APR on its Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors - 36 Months or less Loan, as of October 26, 2026.

What is the lowest credit card APR at Family Security Credit Union?

The lowest credit card rate MonitorBankRates has verified for Family Security Credit Union is 12.40% APR on its VISA Platinum Credit Card, as of October 26, 2026.

How many branches does Family Security Credit Union operate?

Family Security Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Family Security Credit Union?

Yes, to access services at Family Security Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Family Security Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Family Security Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Family Security Credit Union offer online and mobile banking?

Most modern institutions like Family Security Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://myfscu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Family Security Credit Union rates compare?

Family Security Credit Union's top rates are 3.87% APY on its 1 Year Super Jumbo CD, 2.12% APY on its Health Savings Account, 4.99% on its 7 Year Conventional Fixed Rate, 6.34% APR on its Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors - 36 Months or less Loan and 12.40% APR on its VISA Platinum Credit Card, verified by MonitorBankRates on October 26, 2026.

Current Family Security Credit Union Rates

12-Month CD3.76%
24-Month CD3.61%
60-Month CD3.30%
Savings2.12%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Family Security Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Family Security Credit Union Texas Ratio

Family Security Credit Union Health Trend

Family Security Credit Union CD Rates

Family Security Credit Union Savings Rates

Family Security Credit Union Business Savings Rates

Family Security Credit Union Mortgage Rates

Family Security Credit Union Home Equity & HELOC

Family Security Credit Union Auto Loan Rates

Family Security Credit Union RV, Boat and Powersport Loan Rates

Family Security Credit Union Credit Card Rates

Family Security Credit Union Personal Loan Rates

Family Security Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Family Security Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Family Security Credit Union

Does Family Security Credit Union offer CDs?

Are CDs from Family Security Credit Union NCUA insured?

What is the highest CD rate at Family Security Credit Union?

What CD terms does Family Security Credit Union offer?

What is the highest savings rate at Family Security Credit Union?

What is the lowest 30 year fixed mortgage rate at Family Security Credit Union?

What is the lowest personal loan rate at Family Security Credit Union?

What is the lowest credit card APR at Family Security Credit Union?

How many branches does Family Security Credit Union operate?

Is a member application needed to join Family Security Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Family Security Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Family Security Credit Union rates compare?

Current Family Security Credit Union Rates

Compare to Other Credit Unions