What are the current interest rates at Secured Advantage Federal Credit Union?

Current rates for Secured Advantage Federal Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 2.01%, 24-Month CD: 2.26%, 60-Month CD: 2.01%, MMA: 2.00%

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Secured Advantage Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Secured Advantage Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Secured Advantage Federal Credit Union's top rates as of October 9, 2026 are 3.50% APY on its 12 Month CD, 2.00% APY on money market accounts, personal loans from 8.99% APR, and credit cards from 10.00% APR, according to rates verified by MonitorBankRates. Other Secured Advantage Federal Credit Union CD rates include 24 Month CD at 2.26%, 36 Month CD at 2.26%, and 18 Month CD at 2.01%. MonitorBankRates evaluates the financial stability of Secured Advantage Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.79%. Rates last updated and verified on 10/09/2026.

Secured Advantage Federal 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 Secured Advantage Federal Credit Union? Share your experience about Secured Advantage Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Secured Advantage Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.79%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Secured Advantage Federal Credit Union
Home Office-SVL

116 NE Main St
Simpsonville, SC 29681-2656

https://www.securedadvantagefcu.com

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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.

Secured Advantage Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	3.50%	3.50%	12 Months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
24 Month Certificate	2.25%	2.26%	24 Month
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 2.26% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
36 Month Certificate	2.25%	2.26%	36 Months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 2.26% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
18 Month Certificate	2.00%	2.01%	18 Months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 2.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
48 Month Certificate	2.00%	2.01%	48 Months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 2.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
60 Month Certificate	2.00%	2.01%	60 Months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 2.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
6 Month Certificate	1.50%	1.50%	6 Months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%

Secured Advantage Federal Credit Union Savings Rates

Product	Rate	APY	View More
Christmas Club	0.60%	0.60%
Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%

Secured Advantage Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.00%	2.00%
Min Balance $250,000 Details Balance: $250,000.01 and above Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Roth IRA Money Market	2.00%	2.00%
Min Balance $250,000 Details Balance: $250,000.01 and above Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Traditional IRA Money Market	2.00%	2.00%
Min Balance $250,000 Details Balance: $250,000.01 and above Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Money Market	1.75%	1.75%
Min Balance $100,000 Details Balance: $100,000.01 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Roth IRA Money Market	1.75%	1.75%
Min Balance $100,000 Details Balance: $100,000.01 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Traditional IRA Money Market	1.75%	1.75%
Min Balance $100,000 Details Balance: $100,000.01 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Money Market	1.50%	1.50%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Roth IRA Money Market	1.50%	1.50%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Traditional IRA Money Market	1.50%	1.50%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Money Market	1.25%	1.25%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Roth IRA Money Market	1.25%	1.25%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Traditional IRA Money Market	1.25%	1.25%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Money Market	1.00%	1.00%
Min Balance $2,500 Details Balance: $2,500.00 - $25,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Roth IRA Money Market	1.00%	1.00%
Min Balance $2,500 Details Balance: $2,500.00 - $25,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Traditional IRA Money Market	1.00%	1.00%
Min Balance $2,500 Details Balance: $2,500.00 - $25,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Money Market Account	0.25%	0.25%
Min Balance $50,000 Details Minimum Balance as disclosed is required to earn dividends. Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 1.00% → 0.25% ▼ 0.75 pts · high 1.00% / low 0.25% Oct 5, 20260.25%▼ from 1.00% Sep 17, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%

Secured Advantage Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	3.99%	Up to 84 months
Details As Low As; Rates and terms are subject to credit approval and may vary based on credit history, loan term, vehicle year, mileage, loan-to-value, and how/when the vehicle has been titled. Rates are effective as of 1/1/2026 and subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Vehicles Loan	-	-	3.99%	Up to 84 months
Details Term: Up to 84 months, Depending on Age; As Low As Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Used Auto Loan	-	-	4.50%
Details As Low As; Rates and terms are subject to credit approval and may vary based on credit history, loan term, vehicle year, mileage, loan-to-value, and how/when the vehicle has been titled. Rates are effective as of 1/26/2026 and subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%

Secured Advantage Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles - New Loan	-	6.50%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Motorcycles Loan	-	6.50%	Up to 60 months
Details Term: Up to 60 months, Depending on Age; As Low As Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Motorcycles - New Loan	-	6.75%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Motorcycles - New Loan	-	7.25%	60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Motorcycles - Used Loan	-	7.50%	up to 36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Motorcycles - Used Loan	-	7.75%	up to 48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
RVs Loan	-	8.50%	Up to 96 months
Details Term: Up to 96 months, Depending on Age; As Low As Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 8.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Boats, Motors, Trailers Loan	-	9.00%	Up to 60 months
Details Term: Up to 60 months, Depending on Age; As Low As Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 9.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%

Secured Advantage Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	10.00%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 10.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%

Secured Advantage Federal Credit Union Personal Loan Rates

Product	APR	Term
Closed-End Personal Loan	8.99%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Signature/Personal Closed End Loans	8.99%	Up to 60 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%

Secured Advantage Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Advantage Loans	-	-	18.00%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Garden Tractors Loan	-	-	9.25%	Up to 60 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 9.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Ready Reserve Line of Credit	-	-	10.50%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 10.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Life Happens Account	0.20%	-	0.20%
Min Balance $0 Details Balance: $0.00 - $1,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 0.25% → 0.20% ▼ 0.05 pts · high 0.25% / low 0.20% Oct 9, 20260.20%▼ from 0.25% Sep 17, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Life Happens Account	0.25%	-	0.25%
Min Balance $1,000 Details Balance: $1,000.01 - $10,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Life Happens Account	0.30%	-	0.30%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Life Happens Account	0.35%	-	0.35%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Life Happens Account	0.40%	-	0.40%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Life Happens Account	0.45%	-	0.45%
Min Balance $100,000 Details Balance: $100,000.01 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Life Happens Account	0.50%	-	0.50%
Min Balance $250,000 Details Balance: $250,000.01 and above Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Regular Shares	0.20%	-	0.20%
Min Balance $0 Details Balance: $0.00 - $1,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 0.25% → 0.20% ▼ 0.05 pts · high 0.25% / low 0.20% Oct 5, 20260.20%▼ from 0.25% Sep 17, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Regular Shares	0.25%	-	0.25%
Min Balance $1,000 Details Balance: $1,000.01 - $10,000.00 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Regular Shares	0.30%	-	0.30%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Regular Shares	0.35%	-	0.35%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Regular Shares	0.40%	-	0.40%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Regular Shares	0.45%	-	0.45%
Min Balance $100,000 Details Balance: $100,000.01 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Regular Shares	0.50%	-	0.50%
Min Balance $250,000 Details Balance: $250,000.01 and above Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Roth IRA Shares	0.20%	-	0.20%
Min Deposit $10 Min Balance $0 Details Balance: $0.00 - $1,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 0.25% → 0.20% ▼ 0.05 pts · high 0.25% / low 0.20% Oct 9, 20260.20%▼ from 0.25% Sep 17, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Roth IRA Shares	0.25%	-	0.25%
Min Deposit $10 Min Balance $1,000 Details Balance: $1,000.01 - $10,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Roth IRA Shares	0.30%	-	0.30%
Min Deposit $10 Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Roth IRA Shares	0.35%	-	0.35%
Min Deposit $10 Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Roth IRA Shares	0.40%	-	0.40%
Min Deposit $10 Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Roth IRA Shares	0.45%	-	0.45%
Min Deposit $10 Min Balance $100,000 Details Balance: $100,000.01 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Roth IRA Shares	0.50%	-	0.50%
Min Deposit $10 Min Balance $250,000 Details Balance: $250,000.01 and above Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Share Drafts	0.05%	-	0.05%
Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Traditional IRA Shares	0.20%	-	0.20%
Min Deposit $10 Min Balance $0 Details Balance: $0.00 - $1,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 0.25% → 0.20% ▼ 0.05 pts · high 0.25% / low 0.20% Oct 9, 20260.20%▼ from 0.25% Sep 17, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Traditional IRA Shares	0.25%	-	0.25%
Min Deposit $10 Min Balance $1,000 Details Balance: $1,000.01 - $10,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Traditional IRA Shares	0.30%	-	0.30%
Min Deposit $10 Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Traditional IRA Shares	0.35%	-	0.35%
Min Deposit $10 Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Traditional IRA Shares	0.40%	-	0.40%
Min Deposit $10 Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Traditional IRA Shares	0.45%	-	0.45%
Min Deposit $10 Min Balance $100,000 Details Balance: $100,000.01 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Traditional IRA Shares	0.50%	-	0.50%
Min Deposit $10 Min Balance $250,000 Details Balance: $250,000.01 and above Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Secured Advantage Federal Credit Union’s Texas Ratio fell from 3.31% in Q3 2023 to 2.79% 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$56M	2.79%	5.0	A+
March 31, 2026	$58M	3.30%	5.0	A+
December 31, 2025	$57M	3.12%	5.0	A+
September 30, 2025	$58M	6.74%	5.0	A
June 30, 2025	$58M	7.57%	5.0	A
March 31, 2025	$60M	4.99%	5.0	A+
December 31, 2024	$59M	5.84%	5.0	A+
September 30, 2024	$61M	4.96%	5.0	A+
June 30, 2024	$62M	5.48%	5.0	A+
March 31, 2024	$63M	3.43%	5.0	A+
December 31, 2023	$64M	4.67%	5.0	A+
September 30, 2023	$68M	3.31%	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 Secured Advantage Federal 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 Secured Advantage Federal 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 Secured Advantage Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Secured Advantage Federal Credit Union

Website https://www.securedadvantagefcu.com

Address 116 NE Main St, Simpsonville, SC 29681-2656

Phone 800-468-5153

Fax 864-967-1495

President Ray Hathaway

CEO Lisa Hay

Full-Time Employees 12

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

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

2.79%

Return on Assets (ROA)

-0.1464%

Return on Equity (ROE)

-1.2020%

Non-Performing Loans Ratio (NPL)

0.88%

Total Assets

55,718,917

Total Amount of Shares and Deposits

48,249,865

Total Shares and Deposits < 1 Year

47,997,967

Total Shares and Deposits 1 3 Years

236,500

Total Shares and Deposits > 3 Years

15,398

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

720,045

Total Uninsured Shares and Deposits > $250K (F+J)

720,045

Total Insured Shares and Deposits > $250K (item 17 less item K)

47,529,820

Total Interest Expense (Sum of items 6 8)

251,750

Share Certificates

107

Number of Accounts for Share Drafts

2,666

IRA KEOGH Accounts

176

Number of Accounts for Regular Shares

4,417

All other shares

733

Money Market Shares

307

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)

6,335,980

Total Liabilities

48,969,946

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Secured Advantage Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Secured Advantage Federal Credit Union

How many branches does Secured Advantage Federal Credit Union operate?

Secured Advantage Federal 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 Secured Advantage Federal Credit Union?

Yes, to access services at Secured Advantage Federal 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, Secured Advantage Federal 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, Secured Advantage Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Secured Advantage Federal Credit Union offer online and mobile banking?

Most modern institutions like Secured Advantage Federal 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://www.securedadvantagefcu.com.

Current Secured Advantage Federal Credit Union Rates

12-Month CD3.50%
18-Month CD2.01%
24-Month CD2.26%
60-Month CD2.01%
MMA2.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Secured Advantage Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Secured Advantage Federal Credit Union Texas Ratio

Secured Advantage Federal Credit Union Health Trend

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Secured Advantage Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Secured Advantage Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Secured Advantage Federal Credit Union

How many branches does Secured Advantage Federal Credit Union operate?

Is a member application needed to join Secured Advantage Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Secured Advantage Federal Credit Union offer online and mobile banking?

Current Secured Advantage Federal Credit Union Rates

Compare to Other Credit Unions