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Family Security Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 9, 2026
Family Security Credit Union's top rates as of October 9, 2026 are 3.76% APY on its 1 Year Roth Super Jumbo CD, 2.12% APY on savings, 0.40% APY on checking, 4.99% on its 7 Year Conventional Fixed Rate mortgage, rv, boat and powersport loans from 6.34% APR, and credit cards from 12.40% APR, according to rates verified by MonitorBankRates. Other Family Security Credit Union CD rates include 1 Year Super Jumbo CD at 3.76%, 1 Year Traditional Super Jumbo IRA CD at 3.76%, and 1 YR Traditional Super Jumbo IRA CD at 3.76%. Other Family Security Credit Union mortgage rates include 15 Year Conventional Fixed Rate at 5.49%, 10 Year Conventional Fixed Rate at 5.75%, and 20 Year Conventional Fixed Rate at 6.25%. MonitorBankRates evaluates the financial stability of Family Security Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.16%. Rates last updated and verified on 10/09/2026.
Family Security 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 Family Security Credit Union? Share your experience about Family Security Credit Union by leaving a review below, or read customer reviews before you decide to use Family Security Credit Union.
Family Security Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Family Security Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.16%
ExcellentLower than avg
Family Security Credit Union Texas Ratio
Family Security Credit Union's Texas Ratio is 1.16%, which is considered excellent and is lower than the national average of 6.13%.
Family Security Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.14% to 1.16% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Family Security Credit Union CD Rates
Product
Rate
APY
Term
View More
1 Year Roth Super Jumbo Certificate
3.70%
3.76%
1 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
1 Year Super Jumbo Certificate
3.70%
3.76%
1 Year
Min Deposit$100,000
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.76% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
1 Year Traditional Super Jumbo IRA Certificate
3.70%
3.76%
1 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
1 YR Traditional Super Jumbo IRA Certificate
3.70%
3.76%
1 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.76% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
1 Year Jumbo Certificate
3.65%
3.71%
1 Year
Min Deposit$50,000
Min Balance$50,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
1 Year Roth Jumbo Certificate
3.65%
3.71%
1 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
1 Year Traditional Jumbo IRA Certificate
3.65%
3.71%
1 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
1 YR Traditional Jumbo IRA Certificate
3.65%
3.71%
1 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
1 Year Certificate
3.60%
3.66%
1 Year
Min Deposit$1,000
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
1 Year Roth Certificate
3.60%
3.66%
1 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
1 Year Traditional IRA Certificate
3.60%
3.66%
1 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
1 YR Traditional IRA Certificate
3.60%
3.66%
1 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
6 Month Super Jumbo Certificate
3.55%
3.61%
6 Month
Min Deposit$100,000
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.61% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
6 Month Jumbo Certificate
3.50%
3.56%
6 Month
Min Deposit$50,000
Min Balance$50,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
6 Month Certificate
3.45%
3.51%
6 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
2 Year Roth Super Jumbo Certificate
3.40%
3.45%
2 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
2 Year Super Jumbo Certificate
3.40%
3.45%
2 Year
Min Deposit$100,000
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
2 Year Traditional Super Jumbo IRA Certificate
3.40%
3.45%
2 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
2 YR Traditional Super Jumbo IRA Certificate
3.40%
3.45%
2 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
2 Year Jumbo Certificate
3.35%
3.40%
2 Year
Min Deposit$50,000
Min Balance$50,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
2 Year Roth Jumbo Certificate
3.35%
3.40%
2 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
2 Year Traditional Jumbo IRA Certificate
3.35%
3.40%
2 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
2 YR Traditional Jumbo IRA Certificate
3.35%
3.40%
2 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
2 Year Certificate
3.30%
3.35%
2 Year
Min Deposit$1,000
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
2 Year Roth Certificate
3.30%
3.35%
2 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
2 Year Traditional IRA Certificate
3.30%
3.35%
2 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
2 YR Traditional IRA Certificate
3.30%
3.35%
2 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
5 Year Super Jumbo Certificate
3.10%
3.14%
5 Year
Min Deposit$100,000
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.14% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
5 Year Roth Jumbo Certificate
3.05%
3.09%
5 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
5 Year Traditional Jumbo IRA Certificate
3.05%
3.09%
5 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
5 YR Traditional Jumbo IRA Certificate
3.05%
3.09%
5 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.09% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
5 Year Jumbo Certificate
3.04%
3.05%
5 Year
Min Deposit$50,000
Min Balance$50,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
4 Year Roth Super Jumbo Certificate
3.00%
3.04%
4 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
4 Year Traditional Super Jumbo IRA Certificate
3.00%
3.04%
4 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
4 YR Traditional Super Jumbo IRA Certificate
3.00%
3.04%
4 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
5 Year Certificate
3.00%
3.04%
5 Year
Min Deposit$1,000
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
5 Year Roth Certificate
3.00%
3.04%
5 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
5 Year Traditional IRA Certificate
3.00%
3.04%
5 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
5 YR Traditional IRA Certificate
3.00%
3.04%
5 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
4 Year Jumbo Certificate
2.95%
2.99%
4 Year
Min Deposit$50,000
Min Balance$50,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.99% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
4 Year Roth Jumbo Certificate
2.95%
2.99%
4 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
4 Year Traditional Jumbo IRA Certificate
2.95%
2.99%
4 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
4 YR Traditional Jumbo IRA Certificate
2.95%
2.99%
4 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.99% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
3 Year Roth Super Jumbo Certificate
2.90%
2.94%
3 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.94% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
3 Year Super Jumbo Certificate
2.90%
2.94%
3 Year
Min Deposit$100,000
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
3 Year Traditional Super Jumbo IRA Certificate
2.90%
2.94%
3 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.94% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
3 YR Traditional Super Jumbo IRA Certificate
2.90%
2.94%
3 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
4 Year Certificate
2.90%
2.94%
4 Year
Min Deposit$1,000
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
4 Year Roth Certificate
2.90%
2.94%
4 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.94% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
4 Year Super Jumbo Certificate
2.90%
2.94%
4 Year
Min Deposit$100,000
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
4 Year Traditional IRA Certificate
2.90%
2.94%
4 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.94% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
4 YR Traditional IRA Certificate
2.90%
2.94%
4 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
3 Year Jumbo Certificate
2.85%
2.89%
3 Year
Min Deposit$50,000
Min Balance$50,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.89% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
3 Year Roth Jumbo Certificate
2.85%
2.89%
3 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
3 Year Traditional Jumbo IRA Certificate
2.85%
2.89%
3 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
3 YR Traditional Jumbo IRA Certificate
2.85%
2.89%
3 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.89% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
3 Year Certificate
2.80%
2.84%
3 Year
Min Deposit$1,000
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.84% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
3 Year Roth Certificate
2.80%
2.84%
3 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.84% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
3 Year Traditional IRA Certificate
2.80%
2.84%
3 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.84% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
3 YR Traditional IRA Certificate
2.80%
2.84%
3 years
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.84% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Family Security Credit Union Savings Rates
Product
Rate
APY
View More
Health Savings Account
2.10%
2.12%
Min Balance$25
DetailsBalance: $25.00 or more
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.12% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Family Security Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Checking
0.40%
0.40%
Min Deposit$25
Min Balance$25
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.40% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Family Security Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
7 Year Conventional Fixed Rate
4.99%
-
5.20%
7 Year
Details*****
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.19% → 5.20% ▲ 0.01 pts · high 5.20% / low 5.19%
Sep 18, 20265.20%▲ from 5.19%
Sep 14, 20265.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
15 Year Conventional Fixed Rate
5.49%
-
5.59%
15 Year
Details***
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.59% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
10 Year Conventional Fixed Rate
5.75%
-
6.052%
10 Year
Details****
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 5.57% → 6.05% ▲ 0.48 pts · high 6.05% / low 5.57%
Oct 2, 20266.05%▲ from 5.82%
Sep 18, 20265.82%▲ from 5.57%
Sep 14, 20265.57%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
20 Year Conventional Fixed Rate
6.25%
-
6.423%
20 Year
No additional details.
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 5.93% → 6.42% ▲ 0.49 pts · high 6.42% / low 5.93%
Oct 2, 20266.42%▲ from 6.18%
Sep 18, 20266.18%▲ from 5.93%
Sep 14, 20265.93%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
30 Year 5/1 Conventional Adjustable Rate Loan
5.25%
-
6.498%
30 Year
Details******
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 5.89% → 6.50% ▲ 0.61 pts · high 6.50% / low 5.89%
Oct 2, 20266.50%▲ from 6.33%
Sep 18, 20266.33%▲ from 5.89%
Sep 14, 20265.89%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Home - 30 Year VA Loan
6.25%
-
6.672%
30 Year
Details**********
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.67% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
First Time Home Buyer 15 Year Conventional Fixed Rate
6.50%
-
6.718%
15 Year
DetailsTerm: First Time Home Buyer 15 Year Conventional Fixed Rate; ********
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.23% → 6.72% ▲ 0.49 pts · high 6.72% / low 6.23%
Oct 2, 20266.72%▲ from 6.48%
Sep 18, 20266.48%▲ from 6.23%
Sep 14, 20266.23%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
30 Year Conventional Fixed Rate
6.75%
-
6.885%
30 Year
No additional details.
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.39% → 6.89% ▲ 0.50 pts · high 6.89% / low 6.39%
Oct 2, 20266.89%▲ from 6.64%
Sep 18, 20266.64%▲ from 6.39%
Sep 14, 20266.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
First Time Home Buyer 30 Year Conventional Fixed Rate
7.25%
-
7.389%
30 Year
DetailsTerm: First Time Home Buyer 30 Year Conventional Fixed Rate; *******
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.89% → 7.39% ▲ 0.50 pts · high 7.39% / low 6.89%
Oct 2, 20267.39%▲ from 7.14%
Sep 18, 20267.14%▲ from 6.89%
Sep 14, 20266.89%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
30 Year FHA Loan
6.25%
-
7.431%
30 Year
Details*********
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.43% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Family Security Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit
7.25%
-
7.25%
DetailsTerm: Home Equity Line of Credit; ************ (Variable based upon Wall Street Journal Prime, maximum rate 18%. Closing costs range between $0 and $3,000. $0 closing costs as long as initial advance is $10,000 or greater. Contact a representative for additional details.)
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
DetailsAs Low As; Loan examples for the above advertised loan types: *****$35,000.00 at 6.34% APR for 84 months = $517.07 per month.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.34% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors Loan
-
6.34%
36 Months or less
DetailsAs Low As; Loan example: $30,000.00 at 6.34% APR for 36 months = $917.30 per month.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 6.34% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors Loan
-
6.34%
48 Months
DetailsAs Low As; Loan example: $30,000.00 at 6.34% APR for 48 months = $709.27 per month.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 6.34% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors Loan
-
6.34%
60 Months
DetailsAs Low As; Loan example: $30,000.00 at 6.34% APR for 60 months = $584.78 per month.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 6.34% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors Loan
-
6.60%
72 Months
DetailsAs Low As; Loan example: $30,000.00 at 6.60% APR for 72 months = $497.22 per month.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 6.60% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Family Security Credit Union Credit Card Rates
Product
Rate
APR
View More
VISA Platinum
-
12.40%
DetailsAs Low As; Subject to credit approval. Rates are based on an evaluation of credit history.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 12.40% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
VISA Student
-
12.40%
DetailsAs Low As; Subject to credit approval. Rates are based on an evaluation of credit history.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 12.40% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
VISA Platinum Plus
-
14.40%
DetailsAs Low As; Subject to credit approval. Rates are based on an evaluation of credit history.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 14.40% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
VISA Signature
-
16.40%
DetailsAs Low As; Subject to credit approval. Rates are based on an evaluation of credit history.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 16.40% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Family Security Credit Union Personal Loan Rates
Product
APR
Term
View More
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors Loan
6.34%
36 Months or less
DetailsAs Low As; Loan example: $30,000.00 at 6.34% APR for 36 months = $917.30 per month.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 6.34% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors Loan
6.34%
48 Months
DetailsAs Low As; Loan example: $30,000.00 at 6.34% APR for 48 months = $709.27 per month.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 6.34% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors Loan
6.34%
60 Months
DetailsAs Low As; Loan example: $30,000.00 at 6.34% APR for 60 months = $584.78 per month.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 6.34% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors Loan
6.60%
72 Months
DetailsAs Low As; Loan example: $30,000.00 at 6.60% APR for 72 months = $497.22 per month.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 6.60% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Personal Loans
10.99%
36 Months or less
DetailsAs Low As; All Rates as of October 31, 2025. Rates are subject to change at any time without notice. APR - Annual Percentage Rate. All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
VISA Signature
16.40%
DetailsAs Low As; Subject to credit approval. Rates are based on an evaluation of credit history.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 16.40% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Family Security Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Home Loan
-
-
5.59%
DetailsRates as low as
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.59% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Rural Housing USDA Loan
6.25%
-
6.903%
Details***********
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Coverdell Education Savings Account 1 Year Certificate
3.60%
-
3.66%
1 Year
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Coverdell Education Savings Account 2 Year Certificate
3.30%
-
3.35%
2 Year
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Coverdell Education Savings Account 3 Year Certificate
2.80%
-
2.84%
3 Year
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.84% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Coverdell Education Savings Account 4 Year Certificate
2.90%
-
2.94%
4 Year
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.94% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Coverdell Education Savings Account 5 Year Certificate
3.00%
-
3.04%
5 Year
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
IRA Share
2.10%
-
2.12%
Min Deposit$25
Min Balance$25
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 2.12% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.16%
Financial Health History
Family Security Credit Union’s Texas Ratio stayed near 1.14% in Q3 2023 to 1.16% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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
June 30, 2026
$1.1B
1.16%
5.0
A+
March 31, 2026
$1.1B
1.23%
5.0
A+
December 31, 2025
$1.1B
1.42%
5.0
A+
September 30, 2025
$1.0B
1.40%
5.0
A+
June 30, 2025
$1.0B
1.20%
5.0
A+
March 31, 2025
$1.0B
1.31%
5.0
A+
December 31, 2024
$975M
1.60%
5.0
A+
September 30, 2024
$965M
1.30%
5.0
A+
June 30, 2024
$959M
1.20%
5.0
A+
March 31, 2024
$956M
1.07%
5.0
A+
December 31, 2023
$931M
0.99%
5.0
A+
September 30, 2023
$932M
1.14%
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 Family Security 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 Family Security 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 Family Security Credit Union's official website for the most current offers and terms.
Address
2204 Family Security Pl SW,
Decatur, AL 35603
Phone256-340-2000
Fax256-353-9740
PresidentJames Jeffreys
CEOShane Nobbley
Full-Time Employees220
Part-Time Employees7
Branch Locations23
ATM Locations23
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.16%
Return on Assets (ROA)
0.9889%
Return on Equity (ROE)
4.9628%
Non-Performing Loans Ratio (NPL)
0.61%
Total Assets
1,088,158,869
Total Amount of Shares and Deposits
876,461,051
Total Shares and Deposits < 1 Year
845,449,117
Total Shares and Deposits 1 3 Years
23,255,358
Total Shares and Deposits > 3 Years
7,756,576
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
25,636,191
Total Uninsured Shares and Deposits > $250K (F+J)
25,636,191
Total Insured Shares and Deposits > $250K (item 17 less item K)
850,824,860
Total Interest Expense (Sum of items 6 8)
5,172,858
Share Certificates
3,047
Number of Accounts for Share Drafts
52,016
IRA KEOGH Accounts
1,667
Number of Accounts for Regular Shares
92,333
All other shares
287
Money Market Shares
4,569
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)
279,218,567
Total Liabilities
881,687,824
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Family Security Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Family Security Credit Union
Frequently Asked Questions About Family Security Credit Union
How many branches does Family Security Credit Union operate?
Family Security 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 Family Security Credit Union?
Yes, to access services at Family Security 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, Family Security 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, Family Security Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Family Security Credit Union offer online and mobile banking?
Most modern institutions like Family Security 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://myfscu.com.
Current Family Security Credit Union Rates
12-Month CD3.66%
24-Month CD3.35%
60-Month CD3.04%
Savings2.12%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
