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.

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Security Service Federal Credit Union

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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.

What banking products does SSFCU offer?

Why should I open an account at SSFCU?

Benefits of SSFCU include:

  • 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.
  • Low minimum deposits. Some accounts require an opening deposit as low as $5.
  • Minimal fees. SSFCU offers several fee-free or low-fee banking accounts.

What should I look out for?

SSFCU has its perks, but there are still some potential drawbacks to watch out for:

  • Low rates. Interest rates only go up to 0.85% — and that’s with a balance of over $250,000.
  • Small service area. SSFCU only services Texas, Colorado and Utah.
  • Limited customer service. You can’t live chat with a rep and there’s no availability on Sundays.
  • Hidden fees. Although there are minimal upfront fees, many customer reviews on the SSFCU site complain about hidden fees.

Compare with leading bank and credit union accounts

Name Product APY ATMs Fee
M&T Bank EZChoice Checking
Over 1,500 M&T Bank ATMs
$0
Get $150 if you open an EZChoice M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
M&T Bank MyChoice Premium Checking
M&T Bank MyChoice Premium Checking
0.05% on balances of $100,000+
0.03% on balances of $50,000 to $99,999.99
0.01% on balances of $1 to $49,999.99
Over 1,500 free M&T Bank ATMs and up to $2 rebates when using all other ATMs
$24.95/month
(can be waived)
Get up to $250 if you open a MyChoice Premium M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
Chase Sapphire Checking
0.01%
Free to use anywhere worldwide
$25/month
(can be waived)
Get a $1000 welcome bonus when you join Sapphire Banking by March 06, 2020. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.
BBVA Online Checking
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
$0
A full-service account with convenient, surcharge-free access to two massive ATM networks.
Axos Bank Rewards Checking
1.25% on balances of $0+ with $1,000+ in direct deposits, 10 $3+ debit card transactions and 5 additional account transactions per month
ATM fees reimbursed at any ATM nationwide
$0
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
Axos Bank Essential Checking
ATM fees reimbursed at any ATM nationwide
$0
No fees. Unlimited domestic ATM fee reimbursements.

Compare up to 4 providers

SSFCU’s customer service

Contact the SSFCU customer service team by:

General support

  • Email serviceteam@ssfcu.org
  • 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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