Security Service Federal Credit Union Review 2023
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At a glance

CDs
Checking
Savings
MMA
About Bankrate Score
Overview
Security Service Federal Credit Union is best for those wanting to open a secure, interest-bearing checking account and who live or have certain affiliations in Colorado, Texas or Utah or have a connection to a military base where the credit union operates.
Highlights
- Low Min Deposit
Offers featured here have been sponsored by our partners, which impacts how, where, and in what order the products appear.

APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 3.5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.7/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Overall
Security Service Federal Credit Union has many different deposit accounts and certificate terms. Its checking account is unique, offering built-in identity theft protection and above-average interest rates. The credit union also offers several share certificate terms as well as high promotional rates on share certificates. However, the other account types are mediocre in terms of APYs and features.
Pros
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The Power Protected Checking account stands out for both its interest-earning potential and its identity theft protection features.
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Most accounts have low or no minimum balances.
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Members have access to about 30,000 ATMs through the CO-OP network.
Cons
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Better rates can be found for savings, share certificates and money market accounts elsewhere.
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Membership is limited to those who live or have certain affiliations in Colorado, Texas or Utah or who have a connection to select military bases.
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SSFCU charges an above-average overdraft fee.
Security Service Federal Credit Union banking products
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY as of 6/9/2023
Security Service Federal Credit Union savings overview
The APY earned on the Basic Savings account is below average. While most types of transactions against the account are limited to six per month, members are allowed to make unlimited withdrawals from the account through an ATM.
Pros
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Only $5 is needed to open a savings account.
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There’s no monthly service fee.
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Members can make unlimited ATM withdrawals.
Cons
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The APY is meager.
Offers featured here have been sponsored by our partners, which impacts how, where, and in what order the products appear.

APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 3.5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bank experience
Members can connect with Security Service Federal Credit Union through its secure online messaging system, over the phone or by making an in-branch appointment. Its customer service hours are 7 a.m. to 10 p.m. CT on weekdays and 9 a.m. to 6 p.m. CT on Saturdays.
The credit union’s website also comes with a 24/7 virtual assistant, Ava, which can help with mobile banking, account information, finding an ATM or branch location and more. Its mobile app receives subpar reviews on Google Play and the Apple app store.
Members can take free online courses (called “playlists”) on various financial topics, from preventing overdrafts to preparing for retirement.
About Security Service Federal Credit Union
Security Service Federal Credit Union was originally established in 1957 on a military base in San Antonio, Texas, serving local members of the U.S. Air Force Security Service Command. Though it has since opened branches outside of military bases, the credit union continues to offer many of its services to those living on military bases. It has also expanded ways to be eligible for membership, which include living in states with a branch or being a member of certain military branches or units.
SSFCU operates branches in Colorado, Texas and Utah. It’s also part of the CO-OP ATM network, letting members use nearly 30,000 ATMs nationwide. In addition to its deposit products, SSFCU also offers free courses on various financial topics.
Review methodology
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.