Security Service Federal Credit Union Review: Checking, Savings and Certificates

Spencer Tierney
By Spencer Tierney 
Edited by Sara Clarke

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Security Service Federal Credit Union
  • Certificates of deposit

Overall institution rating


NerdWallet rating 
The bottom line:

Security Service Federal Credit Union was founded in 1956 to benefit members of the U.S. Air Force Security Service Command and operates branches in Colorado, Texas and Utah. The credit union participates in shared branching, so you can bank for free at thousands of other locations. Security Service offers a full range of accounts, loans, insurance and other financial products. Its basic checking account is solid with a monthly fee only for paper statements, while its interest checking account has identity theft protection and other perks but also a tough-to-avoid monthly fee. Keep in mind, though, that if you’re looking for basic savings, Security Service’s rate is around the national average, which isn’t competitive.

» Want more options? See NerdWallet's analysis of the best credit unions.


  • No monthly fee on some checking and savings accounts.
  • Competitive rate on share certificates.
  • Large, free, nationwide ATM network.
  • Participates in shared branching with other credit unions.


  • Low rates on some savings accounts.
  • Limited membership.

Full review

Certificates of deposit

Security Service Federal Credit Union Certificate
Security Service Federal Credit Union Certificate


Federally insured by NCUA


 NerdWallet rating 
1-year APY
3-year APY
5-year APY
Minimum deposit

The credit union’s standard certificates have a low opening minimum of $500 and some solid rates. There are several rate tiers, so the higher your deposit, the higher your rate can be. The range of terms stretches from three months to seven years.

» COMPARE: Best CD rates


NerdWallet’s overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, banking experience and overdraft fees. Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation. The stars represent ratings from poor (one star) to excellent (five stars). Ratings are rounded to the nearest half-star.