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Security Service Federal Credit Union Rates & Review September 2026

Item: Security Service Federal Credit Union
Rating: 5
Author: tomc.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 10, 2026

Security Service Federal Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Security Service Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.53%. Rates last updated and verified on 09/10/2026.

Security Service Federal 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 Security Service Federal Credit Union? Share your experience about Security Service Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Security Service Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.53%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

Security Service Federal Credit Union
La Cantera

16211 La Cantera Pkwy
San Antonio, TX 78256-2668

https://www.ssfcu.org

Security Service Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15/15-Year Adjustable Rate Mortgage Jumbo	6.00%	0	6.18%	15/15-Year
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
15/15-Year Adjustable Rate Mortgage	6.00%	0	6.22%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
10/1-Year Adjustable Rate Mortgage Jumbo	5.88%	0	6.25%	10/1-Year
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
10-Year Fixed Jumbo	6.25%	0	6.33%	10-Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
10-Year Fixed	6.25%	0	6.41%	10-Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
15-Year Fixed Jumbo	6.38%	0	6.43%	15-Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
10/1-Year Adjustable Rate Mortgage	5.88%	0	6.49%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
15-Year Fixed	6.38%	0	6.49%	15-Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
20-Year Fixed Jumbo	6.75%	0	6.80%	20-Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
20-Year Fixed	6.75%	0	6.85%	20-Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
30-Year Fixed Jumbo	6.88%	0	6.91%	30-Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
30-Year Fixed	6.88%	0	6.95%	30-Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
15-Year VA Loan	6.88%	0	7.42%	15-Year
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
30-Year VA Loan	7.13%	0	7.47%	30-Year
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
15-Year FHA Loan	7.25%	0	7.71%	15-Year
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
30-Year FHA Loan	7.50%	0	7.79%	30-Year
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

Security Service Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity LOC	-	-	5.99%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Home Equity LOC - Interest-Only	6.75%	-	6.75%
Details Introductory interest rate and APR of 5.99% will apply for the first twelve (12) months following month of loan closing. After the introductory period, rate is variable and is based on the Prime Rate plus margin. Based on a Home Equity LOC - Interest-Only with a credit limit of $100,000 and CLTV of 80.00%, the interest rate and APR based on the current index and margin would be 6.75%. Refer to Home Equity LOC - Interest-Only Early Disclosure for more information. Learn more in the What You Should Know About Home Equity Lines of Credit brochure. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Home Equity LOC - Percentage of Balance	6.75%	-	6.75%
Details Introductory interest rate and APR of 5.99% will apply for the first twelve (12) months following month of loan closing. After the introductory period, rate is variable and is based on the Prime Rate plus margin. For example, Home Equity LOC - Percentage of Balance the current rate would be 6.75% APR based on a combined LTV of 80% and credit limit of $100,000. Refer to Home Equity LOC - Percentage of Balance Early Disclosure for more information. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
10-Year Fixed Home Equity	-	-	7.02%	10
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
15-Year Fixed Home Equity	-	-	7.07%	15
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
20-Year Fixed Home Equity	-	-	7.16%	20
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
HELOC 10-Yr Fixed Home Improvement	7.00%	0	7.30%	10-Year
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
HELOC 15-Yr Fixed Home Improvement	7.13%	0	7.34%	15-Year
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
HELOC 20-Yr Fixed Home Improvement	7.25%	0	7.42%	20-Year
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
HELOC 5-Yr Fixed Home Improvement	6.88%	0	7.43%	5-Year
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

Security Service Federal Credit Union Personal Loan Rates

Product	APR	Term
Debt Consolidation Loan	9.99%	66-month
Details As Low As; Estimated monthly payment of $198.40 with 66-month term and loan amount of $10,000 at 9.99% APR. APR accurate as of 12/11/25. Loan is subject to credit approval. Please review the Personal Loan Terms for complete details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%
Personal Loan	9.99%	66-month
Details As Low As; Estimated monthly payment of $198.40 with 66-month term and loan amount of $10,000 at 9.99% APR. APR accurate as of 12/11/25. Loan is subject to credit approval. Please review the Personal Loan Terms for complete details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.53%

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

Security Service Federal Credit Union’s Texas Ratio rose from 3.24% in Q2 2023 to 5.53% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify 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 Grade15% Verified Healthy threshold

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
March 31, 2026	$14.2B	5.53%	5.0	A+
December 31, 2025	$14.2B	7.31%	5.0	A
September 30, 2025	$14.1B	6.54%	5.0	A
June 30, 2025	$14.0B	5.69%	5.0	A+
March 31, 2025	$14.1B	4.99%	5.0	A+
December 31, 2024	$13.7B	7.05%	5.0	A
September 30, 2024	$13.6B	6.17%	5.0	A
June 30, 2024	$13.5B	5.73%	5.0	A+
March 31, 2024	$13.5B	4.60%	5.0	A+
December 31, 2023	$13.4B	5.45%	5.0	A+
September 30, 2023	$13.4B	3.75%	5.0	A+
June 30, 2023	$13.5B	3.24%	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 Security Service Federal 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 Security Service Federal 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 Security Service Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Security Service Federal Credit Union

Website https://www.ssfcu.org

Address 16211 La Cantera Pkwy, San Antonio, TX 78256-2668

Phone 800-527-7328

Fax 210-444-3000

President Margie Langford

CEO Michael Chapman

Full-Time Employees 2,008

Part-Time Employees 41

Branch Locations 70

ATM Locations 21

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.53%

Return on Assets (ROA)

0.1361%

Return on Equity (ROE)

1.2296%

Non-Performing Loans Ratio (NPL)

0.81%

Total Assets

14,211,059,145

Total Amount of Shares and Deposits

11,242,903,361

Total Shares and Deposits < 1 Year

10,162,484,071

Total Shares and Deposits 1 3 Years

637,925,879

Total Shares and Deposits > 3 Years

442,493,411

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

1,440,033,966

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

1,440,033,966

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

9,802,869,395

Total Interest Expense (Sum of items 6 8)

67,457,298

Share Certificates

91,341

Number of Accounts for Share Drafts

388,005

IRA KEOGH Accounts

21,488

Number of Accounts for Regular Shares

947,213

All other shares

13,120

Non Member Deposits

Money Market Shares

43,414

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)

1,080,283,174

Total Liabilities

12,643,118,432

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Security Service Federal 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

dIMr

★★★★★

December 17, 2025

ZdLW

Log in to reply Are you from Security Service Federal Credit Union and want to reply to a review? Log in or register and verify yourself to reply as a representative from Security Service Federal Credit Union.

tomc.

★★★★★

February 8, 2024

Employees are great and friendly all the time.

Want to discuss Security Service Federal Credit Union with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Security Service Federal Credit Union

Frequently Asked Questions About Security Service Federal Credit Union

How many branches does Security Service Federal Credit Union operate?

Security Service Federal 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 Security Service Federal Credit Union?

Yes, to access services at Security Service Federal 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, Security Service Federal 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, Security Service Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Security Service Federal Credit Union offer online and mobile banking?

Most modern institutions like Security Service Federal 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://www.ssfcu.org.