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Family Security Credit Union Rates & Review June 2026

Family Security Credit Union's 1 Year Super Jumbo CD rates are at 3.35%, 1 YR Roth Super Jumbo CD rates are at 3.35%, 1 YR Traditional Super Jumbo IRA CD rates are at 3.35%, 1 Year Jumbo CD rates are at 3.30%, 1 YR Roth Jumbo CD rates are at 3.30%. Family Security Credit Union's savings rates are at 0.40%. Family Security Credit Union's Personal Loan Rates are at 6.34%. 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 1.40%. Rates were last updated on 06/16/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.40%
Excellent Lower than avg
Family Security Credit Union
Administration II
2204 Family Security Pl SW
Decatur, AL 35603
https://myfscu.com
Member NCUA

Family Security Credit Union CD Rates

Product Rate APY Term View More
1 Year Super Jumbo Certificate 3.30% 3.35% 1 Year
Min Balance $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
1 YR Roth Super Jumbo Certificate 3.30% 3.35% 1 Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
1 YR Traditional Super Jumbo IRA Certificate 3.30% 3.35% 1 YR
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
1 Year Jumbo Certificate 3.25% 3.30% 1 Year
Min Balance $50,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
1 YR Roth Jumbo Certificate 3.25% 3.30% 1 Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
1 YR Traditional Jumbo IRA Certificate 3.25% 3.30% 1 YR
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
1 Year Certificate 3.20% 3.25% 1 Year
Min Balance $1,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
1 YR Roth Certificate 3.20% 3.25% 1 Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
1 YR Traditional IRA Certificate 3.20% 3.25% 1 YR
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
6 Month Certificate 3.15% 3.20% 6 Month
Min Balance $1,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
6 month Share Certificate - 3.20% 6 Months
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
5 Year Super Jumbo Certificate 2.90% 2.94% 5 Year
Min Balance $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
5 YR Roth Super Jumbo Certificate 2.90% 2.94% 5 Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
5 YR Traditional Super Jumbo IRA Certificate 2.90% 2.94% 5 YR
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
5 Year Jumbo Certificate 2.85% 2.89% 5 Year
Min Balance $50,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
5 YR Roth Jumbo Certificate 2.85% 2.89% 5 Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
5 YR Traditional Jumbo IRA Certificate 2.85% 2.89% 5 YR
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
4 Year Super Jumbo Certificate 2.80% 2.84% 4 Year
Min Balance $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
4 YR Roth Super Jumbo Certificate 2.80% 2.84% 4 Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
4 YR Traditional Super Jumbo IRA Certificate 2.80% 2.84% 4 YR
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
5 Year Certificate 2.80% 2.84% 5 Year
Min Balance $1,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
5 YR Roth Certificate 2.80% 2.84% 5 Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
5 YR Traditional IRA Certificate 2.80% 2.84% 5 YR
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
4 Year Jumbo Certificate 2.75% 2.78% 4 Year
Min Balance $50,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
4 YR Roth Jumbo Certificate 2.75% 2.78% 4 Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
4 YR Traditional Jumbo IRA Certificate 2.75% 2.78% 4 YR
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
3 Year Super Jumbo Certificate 2.70% 2.73% 3 Year
Min Balance $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
3 YR Roth Super Jumbo Certificate 2.70% 2.73% 3 Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
3 YR Traditional Super Jumbo IRA Certificate 2.70% 2.73% 3 YR
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
4 Year Certificate 2.70% 2.73% 4 Year
Min Balance $1,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
4 YR Roth Certificate 2.70% 2.73% 4 Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
4 YR Traditional IRA Certificate 2.70% 2.73% 4 YR
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
2 Year Super Jumbo Certificate 2.65% 2.68% 2 Year
Min Balance $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
2 YR Roth Super Jumbo Certificate 2.65% 2.68% 2 Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
2 YR Traditional Super Jumbo IRA Certificate 2.65% 2.68% 2 YR
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
3 Year Jumbo Certificate 2.65% 2.68% 3 Year
Min Balance $50,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
3 YR Roth Jumbo Certificate 2.65% 2.68% 3 Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
3 YR Traditional Jumbo IRA Certificate 2.65% 2.68% 3 YR
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
2 YR Roth Jumbo Certificate 2.60% 2.63% 2 Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
2 YR Traditional Jumbo IRA Certificate 2.60% 2.63% 2 YR
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
3 Year Certificate 2.60% 2.63% 3 Year
Min Balance $1,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
3 YR Roth Certificate 2.60% 2.63% 3 Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
3 YR Traditional IRA Certificate 2.60% 2.63% 3 YR
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
2 Year Jumbo Certificate 2.60% 2.60% 2 Year
Min Balance $50,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
2 Year Certificate 2.55% 2.58% 2 Year
Min Balance $1,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
2 YR Roth Certificate 2.55% 2.58% 2 Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
2 YR Traditional IRA Certificate 2.55% 2.58% 2 YR
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%

Family Security Credit Union Savings Rates

Product Rate APY View More
Health Savings Account 2.10% 2.12%
Min Balance $25
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Business Share Savings 0.40% 0.40%
Min Balance $25
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Savings 0.40% 0.40%
Min Deposit $25
Min Balance $25
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%

Family Security Credit Union Checking Rates

Product Rate APY View More
Business Checking 0.40% 0.40%
Min Balance $25
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%

Family Security Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 5.34%
Details Rates as low as 5.34%
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%

Family Security Credit Union Credit Card Rates

Product Rate APR View More
VISA Platinum - 12.40%
Details As Low As; Subject to credit approval. Rates are based on an evaluation of credit history.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
VISA Platinum Business - 12.40%
Details As Low As; Subject to credit approval. Rates are based on an evaluation of credit history.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
VISA Student - 12.40%
Details As Low As; Subject to credit approval. Rates are based on an evaluation of credit history.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
VISA Platinum Plus - 14.40%
Details As Low As; Subject to credit approval. Rates are based on an evaluation of credit history.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
VISA Signature - 16.40%
Details As Low As; Subject to credit approval. Rates are based on an evaluation of credit history.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%

Family Security Credit Union Personal Loan Rates

Product Rate APR View More
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors - 36 Months or less Loan - 6.34%
Details As Low As; 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 Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors - 48 Months Loan - 6.34%
Details As Low As; 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 Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors - 60 Months Loan - 6.34%
Details As Low As; 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 Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors Loan - 6.34%
Details As Low As; All Rates as of December 15, 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 Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors - 72 Months Loan - 6.60%
Details As Low As; 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 Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors Loan - 6.60%
Details As Low As; All Rates as of December 15, 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 Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Personal Loans - 10.99%
Details As 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 Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%

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.

Credit Union Profile & Overview

Credit Union Name Family Security Credit Union
Address 2204 Family Security Pl SW, Decatur, AL 35603
Phone 256-340-2000
Fax 256-353-9740
President James Jeffreys
CEO Shane Nobbley
Full-Time Employees 222
Part-Time Employees 8
Branch Locations 23
ATM Locations 23
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
1.40%
Return on Assets (ROA)
1.4993%
Return on Equity (ROE)
7.7732%
Non-Performing Loans Ratio (NPL)
0.67%
Total Assets
1,037,966,113
Total Amount of Shares and Deposits
840,420,162
Total Shares and Deposits < 1 Year
804,467,564
Total Shares and Deposits 1 3 Years
24,440,013
Total Shares and Deposits > 3 Years
11,512,584
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
22,539,532
Total Uninsured Shares and Deposits > $250K (F+J)
22,539,532
Total Insured Shares and Deposits > $250K (item 17 less item K)
817,880,630
Total Interest Expense (Sum of items 6 8)
8,210,302
Share Certificates
2,958
Number of Accounts for Share Drafts
51,567
IRA KEOGH Accounts
1,749
Number of Accounts for Regular Shares
92,217
All other shares
299
Money Market Shares
4,429
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
237,068,153
Total Liabilities
847,447,481
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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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 CD3.25%
  • 24-Month CD2.58%
  • 60-Month CD2.84%
  • Savings0.40%
Retrieved from our database of financial products. Rates subject to change.