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Explore Security Service Federal Credit Union’s suite of bank accounts

Choose from a range of banking products for personal and business use – but only in three states.


Security Service Federal Credit Union
Security Service Federal Credit Union (SSFCU) has several fee-free checking and savings account options for business and personal use. But its interest rates are low and it has a limited service area.

Am I eligible?

You qualify for an SSFCU membership if:

  • You live, work, worship, attend school, volunteer or own a business in Texas, Colorado or Utah
  • You work for or at specific military bases within SSFCU’s service area
  • You’re a family or household member of an existing member

What banking products does SSFCU offer?

How does Security Service Federal Credit Union compare to other banks and services?

Founded in 1956, Security Service Federal Credit Union has over 925,000 members and controls more than $8 billion in assets. It has over 70 SSFCU-branded branch locations in Texas, Colorado and Utah and offers a wide range of products for businesses and consumers alike. This credit union partners with CO-OP, Stripes and Security Service to offer in-person banking at over 5,000 branches and free ATM access at over 30,000 ATMs nationwide.

Checking accounts


  • Low minimum deposits. Checking account deposits are as low as $5, so you can open an account and start managing your money today.
  • Minimal fees. Most SSFCU checking accounts are free to open and maintain. Those that do have fees provide several ways to avoid them.
  • Account perks. Power Protected Checking account holders get access to identity theft protection, mobile phone coverage, cash back on purchases, interest and more.


  • Hidden fees. Although there are minimal upfront fees, many customer reviews on the SSFCU site complain about hidden fees. Expect to pay $61 for international wires, $25 for stop payments, $32.50 for overdrafts, $5 for debit card replacements and $1.50 for non-network ATMs.
  • Low rates. Interest rates on the Power Protected Checking account only go up to 0.95% — and that’s with a balance of over $250,000.
  • No online application for business accounts. While you can open personal checking accounts online, you must visit a local branch or call customer service to open a business account.

Savings accounts


  • Low deposits for savings accounts. Open a savings account with as little as $5.
  • Daily compound interest. You’ll earn interest on yesterday’s interest, which means your savings grows even faster than it would with other compounding methods.
  • Specialized accounts. SSFCU offers youth savings accounts for kids and club savings accounts for holiday expenses.


  • Low APYs. Savings accounts at SSFCU only earn 0.1% APY, while high-yield accounts at other institutions have APYs of 1.5% or more. Money market accounts top out at 0.85%, but that’s with a $250,000 balance.
  • High opening deposits for money markets. You’ll need an opening deposit of at least $1,000 if you want the added perks of a money market account.
  • Excessive transaction fee. SSFCU charges a $10 fee each time you make more than six outgoing transactions a month.



  • Competitive APYs. SSFCU has tiered interest rates, so the more you save, the more you’ll earn. Rates top out at 1.9% depending on the CD type, term and the size of your opening deposit.
  • Several CD types. Open a Future Builder CD if you want penalty-free withdrawals, an IRA CD if you want to save for retirement or a traditional CD if you want to lock in the highest rate.
  • Low opening deposits. All you need is $250 to open a Future Builder CD and $500 to open an IRA or traditional CD.


  • Unclear interest rates. CD rates vary by area, so you’ll need to enter your zip code on SSFCU’s website to see which rates you qualify for.
  • Early withdrawal penalties. Expect to pay a penalty equal to 30 to 360 days’ interest if you need to access your money before maturity.
  • High opening deposit for jumbo CDs. Most banks require at least $100,000 to open a jumbo CD. But you’ll need at least $250,000 to open one with SSFCU.

Overall banking


  • ATM and branch network. It partners with CO-OP, Stripes and Security Service to bring customers more than 5,000 branches and 30,000 ATMs nationwide.
  • Variety. Choose from 18 personal and business banking products.
  • Military member perks. Through the Operation Salute the Strong Program, SSFCU offers deployment services, discounted loan rates and service-related resources tp military members.


  • Small service area. SSFCU only services Texas, Colorado and Utah, so you won’t be able to join if you live outside of this area.
  • Limited customer service. Unlike other credit unions, you can’t live chat with a rep and there’s no availability on Sundays.
  • Low APYs. SSFCU has low APYs across the board, so it may not be an ideal choice if you’re looking to grow your money fast.

    Compare with leading bank and credit union accounts

    Name Product Minimum deposit to open ATMs Out-of-network ATM fee
    BBVA Online Checking
    No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
    A full-service account with convenient, surcharge-free access to two massive ATM networks, plus a $200 signup bonus when you meet deposit requirements
    Citibank® Account Package
    Citibank® Account Package
    No access to ATMs
    Earn a $400 bonus after opening new eligible checking and savings accounts and completing required activities.
    NorthOne Business Banking
    More than 300,000 ATMs across America.

    A digital bank account featuring free cash deposits, on-demand customer support and streamlined bookkeeping integrations.
    BBVA Free Checking
    1,000 fee-free ATMs across the country
    Pay a $0 monthly service charge and get free access to BBVA ATMs.
    Chase Total Checking
    Access to 16,000 ATMs and nearly 4,900 branches nationwide
    Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account. Chase's simplest checking account is easy to use and gives you access to 16,000 ATMs and nearly 4,900 branches. Available online nationwide except in Alaska, Hawaii and Puerto Rico.
    Chime Spending account
    38,000 fee-free ATMs nationwide
    Get rid of fees with this mobile-first bank offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster.

    Compare up to 4 providers

    SSFCU’s customer service

    Contact the SSFCU customer service team by:

    General support

    • Email
    • Visit a branch location near you
    • Mail:
      P.O. Box 691510
      San Antonio, TX 78269-1510

    Member support

    • Call 888-415-7878 weekdays from 7 a.m. to 10 p.m. CT and Saturdays from 9 a.m. to 6 p.m. CT
    • Send a secured message through your online myBranch account
    • Visit a branch location near you
    • Fax 210-444-3000

    Bottom line

    If you live in Texas, Colorado or Utah and are looking to join for a variety of personal and business banking solutions, SSFCU may be a good fit. But if you’re looking for accounts with higher APYs and broader service areas, shop around for other accounts.

    Frequently asked questions

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