What are the current interest rates at Security First Federal Credit Union?

Current rates for Security First Federal Credit Union include: 12-Month CD: 1.31%, 18-Month CD: 1.87%, 24-Month CD: 1.97%, 60-Month CD: 2.22%, Savings: 0.25%

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Security First Federal Credit Union

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Security First Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Security First 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 12, 2026

Security First Federal Credit Union's top rates as of October 12, 2026 are 4.25% APY on its 12 Month Term IRA CDs CD, 0.25% APY on savings, 0.35% APY on checking, and personal loans from 13.49% APR, according to rates verified by MonitorBankRates. Other Security First Federal Credit Union CD rates include 12 Month Term CD at 4.25%, Special 12-Month CD at 4.25%, and 60 Month Term IRA CDs at 3.61%. MonitorBankRates evaluates the financial stability of Security First Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.12%. Rates last updated and verified on 10/12/2026.

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

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

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.12%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Security First Federal Credit Union
Edinburg Branch

3515 S Jackson Rd
EDINBURG, TX 78539-6600

https://securityfirstcu.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.

Security First Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Term IRA Share Certificates	4.17%	4.25%	12 Months
Min Balance $500 Details Special rate (); Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term IRA Share Certificates	4.17%	4.25%	12 Months
Min Balance $1,000 Details Special rate (); Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term IRA Share Certificates	4.17%	4.25%	12 Months
Min Balance $25,000 Details Special rate (); Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term IRA Share Certificates	4.17%	4.25%	12 Months
Min Balance $50,000 Details Special rate (); Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term IRA Share Certificates	4.17%	4.25%	12 Months
Min Balance $100,000 Details Special rate (); Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term Share Certificate	4.17%	4.25%	12 Months
Min Balance $500 Details Balance: $500.00 - $999.99; Special rate () Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term Share Certificate	4.17%	4.25%	12 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Special rate () Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term Share Certificate	4.17%	4.25%	12 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Special rate () Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term Share Certificate	4.17%	4.25%	12 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Special rate () Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term Share Certificate	4.17%	4.25%	12 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater; Special rate () Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Special 12-Month Share Certificate	-	4.25%	12-Month
Min Deposit $500 Details Feeling the Heat? Lock in a Cool Rate. Special 12-Month at 4.25% APY* with $500 minimum deposit. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
60 Month Term IRA Share Certificates	3.55%	3.61%	60 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.61% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
60 Month Term Share Certificate	3.55%	3.61%	60 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.61% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
48 Month Term IRA Share Certificates	3.50%	3.56%	48 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
48 Month Term Share Certificate	3.50%	3.56%	48 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
43 Month Term IRA Share Certificates	3.45%	3.51%	43 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
43 Month Term Share Certificate	3.45%	3.51%	43 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
24 Month Term Share Certificate	3.45%	3.50%	24 Months
Min Balance $500 Details Balance: $500.00 - $999.99; Special rate () Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
24 Month Term Share Certificate	3.45%	3.50%	24 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Special rate () Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
24 Month Term Share Certificate	3.45%	3.50%	24 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Special rate () Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
24 Month Term Share Certificate	3.45%	3.50%	24 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Special rate () Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
24 Month Term Share Certificate	3.45%	3.50%	24 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater; Special rate () Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
37 Month Term IRA Share Certificates	3.40%	3.46%	37 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.46% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
37 Month Term Share Certificate	3.40%	3.46%	37 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.46% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
60 Month Term IRA Share Certificates	3.40%	3.46%	60 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.46% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
60 Month Term Share Certificate	3.40%	3.46%	60 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.46% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
48 Month Term IRA Share Certificates	3.35%	3.41%	48 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.41% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
48 Month Term Share Certificate	3.35%	3.41%	48 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.41% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
36 Month Term IRA Share Certificates	3.30%	3.35%	36 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
36 Month Term Share Certificate	3.30%	3.35%	36 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 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: 8.12%
43 Month Term IRA Share Certificates	3.30%	3.35%	43 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
43 Month Term Share Certificate	3.30%	3.35%	43 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 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: 8.12%
37 Month Term IRA Share Certificates	3.25%	3.30%	37 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
37 Month Term Share Certificate	3.25%	3.30%	37 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
60 Month Term IRA Share Certificates	3.25%	3.30%	60 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
60 Month Term Share Certificate	3.25%	3.30%	60 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.30% → 3.30% ▼ 0.00 pts · high 3.30% / low 3.25% Oct 8, 20263.30%▲ from 3.25% Sep 25, 20263.25%▼ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
31 Month Term IRA Share Certificates	3.20%	3.25%	31 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
31 Month Term Share Certificate	3.20%	3.25%	31 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
36 Month Term IRA Share Certificates	3.20%	3.25%	36 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
36 Month Term Share Certificate	3.20%	3.25%	36 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
48 Month Term IRA Share Certificates	3.20%	3.25%	48 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
48 Month Term Share Certificate	3.20%	3.25%	48 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
31 Month Term IRA Share Certificates	3.15%	3.20%	31 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
31 Month Term Share Certificate	3.15%	3.20%	31 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
24 Month Term IRA Share Certificates	3.10%	3.15%	24 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
24 Month Term Share Certificate	3.10%	3.15%	24 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
43 Month Term IRA Share Certificates	3.10%	3.15%	43 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
43 Month Term Share Certificate	3.10%	3.15%	43 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
24 Month Term IRA Share Certificates	3.05%	3.10%	24 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
24 Month Term Share Certificate	3.05%	3.10%	24 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
37 Month Term IRA Share Certificates	3.05%	3.10%	37 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
37 Month Term Share Certificate	3.05%	3.10%	37 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
60 Month Term IRA Share Certificates	3.05%	3.10%	60 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
60 Month Term Share Certificate	3.05%	3.10%	60 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
36 Month Term IRA Share Certificates	3.00%	3.05%	36 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
36 Month Term Share Certificate	3.00%	3.05%	36 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
48 Month Term IRA Share Certificates	3.00%	3.05%	48 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
48 Month Term Share Certificate	3.00%	3.05%	48 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
43 Month Term IRA Share Certificates	2.95%	2.99%	43 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.99% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
43 Month Term Share Certificate	2.95%	2.99%	43 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 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: 8.12%
37 Month Term IRA Share Certificates	2.90%	2.94%	37 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.94% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
37 Month Term Share Certificate	2.90%	2.94%	37 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 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: 8.12%
24 Month Term IRA Share Certificates	2.85%	2.89%	24 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.89% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
24 Month Term Share Certificate	2.85%	2.89%	24 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 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: 8.12%
36 Month Term IRA Share Certificates	2.85%	2.89%	36 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.89% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
36 Month Term Share Certificate	2.85%	2.89%	36 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 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: 8.12%
24 Month Term IRA Share Certificates	2.80%	2.84%	24 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.84% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
24 Month Term Share Certificate	2.80%	2.84%	24 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 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: 8.12%
18 Month Term IRA Share Certificates	2.75%	2.79%	18 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
18 Month Term Share Certificate	2.75%	2.79%	18 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.79% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
15 Month Term IRA Share Certificates	2.70%	2.74%	15 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.74% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
15 Month Term Share Certificate	2.70%	2.74%	15 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.74% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term IRA Share Certificates	2.65%	2.69%	12 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.69% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term Share Certificate	2.65%	2.69%	12 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.69% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
18 Month Term IRA Share Certificates	2.65%	2.69%	18 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.69% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
18 Month Term Share Certificate	2.65%	2.69%	18 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.69% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
15 Month Term IRA Share Certificates	2.60%	2.63%	15 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.63% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
15 Month Term Share Certificate	2.60%	2.63%	15 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.74% → 2.63% ▼ 0.11 pts · high 2.74% / low 2.63% Sep 25, 20262.63%▼ from 2.74% Sep 14, 20262.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
18 Month Term IRA Share Certificates	2.60%	2.63%	18 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.63% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
18 Month Term Share Certificate	2.60%	2.63%	18 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.63% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term IRA Share Certificates	2.55%	2.58%	12 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.58% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term Share Certificate	2.55%	2.58%	12 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.58% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
15 Month Term IRA Share Certificates	2.55%	2.58%	15 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.58% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
15 Month Term Share Certificate	2.55%	2.58%	15 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.74% → 2.58% ▼ 0.16 pts · high 2.74% / low 2.58% Sep 25, 20262.58%▼ from 2.74% Sep 14, 20262.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term IRA Share Certificates	2.45%	2.48%	12 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.48% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term Share Certificate	2.45%	2.48%	12 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.48% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term IRA Share Certificates	2.40%	2.43%	12 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.43% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term Share Certificate	2.40%	2.43%	12 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.43% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
18 Month Term IRA Share Certificates	2.40%	2.43%	18 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.43% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
18 Month Term Share Certificate	2.40%	2.43%	18 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.43% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
60 Month Term IRA Share Certificates	2.20%	2.22%	60 Months
Min Balance $500 Details Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.22% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
60 Month Term Share Certificate	2.20%	2.22%	60 Months
Min Balance $500 Details Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.22% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
48 Month Term IRA Share Certificates	2.15%	2.17%	48 Months
Min Balance $500 Details Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.17% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
48 Month Term Share Certificate	2.15%	2.17%	48 Months
Min Balance $500 Details Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.17% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
43 Month Term IRA Share Certificates	2.10%	2.12%	43 Months
Min Balance $500 Details Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.12% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
43 Month Term Share Certificate	2.10%	2.12%	43 Months
Min Balance $500 Details Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.12% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
37 Month Term IRA Share Certificates	2.05%	2.07%	37 Months
Min Balance $500 Details Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
37 Month Term Share Certificate	2.05%	2.07%	37 Months
Min Balance $500 Details Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
36 Month Term IRA Share Certificates	2.00%	2.02%	36 Months
Min Balance $500 Details Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
36 Month Term Share Certificate	2.00%	2.02%	36 Months
Min Balance $500 Details Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
6 Month Term Share Certificate	2.00%	2.02%	6 Months
Min Balance $500 Details Balance: $500.00 - $999.99; Special rate () Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
6 Month Term Share Certificate	2.00%	2.02%	6 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Special rate () Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
6 Month Term Share Certificate	2.00%	2.02%	6 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Special rate () Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
6 Month Term Share Certificate	2.00%	2.02%	6 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Special rate () Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
6 Month Term Share Certificate	2.00%	2.02%	6 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater; Special rate () Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
24 Month Term IRA Share Certificates	1.95%	1.97%	24 Months
Min Balance $500 Details Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
24 Month Term Share Certificate	1.95%	1.97%	24 Months
Min Balance $500 Details Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.97% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
18 Month Term IRA Share Certificates	1.85%	1.87%	18 Months
Min Balance $500 Details Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.87% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
18 Month Term Share Certificate	1.85%	1.87%	18 Months
Min Balance $500 Details Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.87% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
6 Month Term IRA Share Certificates	1.50%	1.51%	6 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
6 Month Term Share Certificate	1.50%	1.51%	6 Months
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
6 Month Term IRA Share Certificates	1.45%	1.46%	6 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.46% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
6 Month Term Share Certificate	1.45%	1.46%	6 Months
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.46% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
6 Month Term IRA Share Certificates	1.40%	1.41%	6 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.41% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
6 Month Term Share Certificate	1.40%	1.41%	6 Months
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.41% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term IRA Share Certificates	1.30%	1.31%	12 Months
Min Balance $500 Details Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.31% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
12 Month Term Share Certificate	1.30%	1.31%	12 Months
Min Balance $500 Details Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
6 Month Term IRA Share Certificates	1.30%	1.31%	6 Months
Min Balance $500 Details Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.31% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
6 Month Term IRA Share Certificates	1.30%	1.31%	6 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.31% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
6 Month Term Share Certificate	1.30%	1.31%	6 Months
Min Balance $500 Details Balance: $500.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
6 Month Term Share Certificate	1.30%	1.31%	6 Months
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%

Security First Federal Credit Union Savings Rates

Product	Rate	APY
IRA Club Account	0.35%	0.35%
Min Deposit $50 Min Balance $50 Details Balance: $50.00 and greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Regular Share Account	0.25%	0.25%
Min Deposit $5 Min Balance $100 Details Balance: $100.00 and greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Holiday Club Account	0.15%	0.15%
Min Deposit $10 Min Balance $10 Details Balance: $10.00 and greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%

Security First Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.25%	0.25%
Min Deposit $5 Min Balance $100 Details Balance: $100.00 and greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%

Security First Federal Credit Union Checking Rates

Product	Rate	APY
Diamond Club Checking	0.35%	0.35%
Min Deposit $1,500 Min Balance $100,000 Details Balance: $100,000.00 and greater; Tier IV Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Diamond Club Checking	0.30%	0.30%
Min Deposit $1,500 Min Balance $50,000 Details Balance: $50,000.00-99,999.99; Tier III Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Diamond Club Checking	0.25%	0.25%
Min Deposit $1,500 Min Balance $25,000 Details Balance: $25,000.00-49,999.99; Tier II Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Free Plus Checking	0.25%	0.25%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000.00 and greater; Rates based on average daily balance Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Free Plus Checking	0.20%	0.20%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000.00- 99,999.99; Rates based on average daily balance Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Diamond Club Checking	0.15%	0.15%
Min Deposit $1,500 Min Balance $2,500 Details Balance: $2,500.00-24,999.99; Tier 1 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Free Plus Checking	0.15%	0.15%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000.00-24,999.99; Rates based on average daily balance Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%

Security First Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.10%	0.10%
Min Deposit $200 Min Balance $1,000 Details Balance: $1,000.00; Rates based on average daily balance; Minimum balance of $5,000.00 required to avoid a $15.00 service charge Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%

Security First Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity - 30 Years	6.25%	-	6.657%	30 Years
Details Published APR range: 6.657% - 6.818%; Published rate range: 6.25% - 6.40%. LTV 80/20; Must be primary residence (1 unit); Loan amount: $125,000.00 - MAX Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.94% → 6.66% ▲ 0.72 pts · high 6.66% / low 5.94% Sep 25, 20266.66%▲ from 5.94% Sep 14, 20265.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Home Equity - 25 Years	6.20%	-	6.667%	25 Years
Details Published APR range: 6.667% - 6.828%; Published rate range: 6.20% - 6.35%. LTV 80/20; Must be primary residence (1 unit); Loan amount: $100,000.00 - MAX Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.91% → 6.67% ▲ 0.76 pts · high 6.67% / low 5.91% Sep 25, 20266.67%▲ from 5.91% Sep 14, 20265.91%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Home Equity - 20 Years	6.15%	-	6.733%	20 Years
Details Published APR range: 6.733% - 6.894%; Published rate range: 6.15% - 6.30%. LTV 80/20; Must be primary residence (1 unit); Loan amount: $75,000.00 - MAX Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.90% → 6.73% ▲ 0.83 pts · high 6.73% / low 5.90% Sep 25, 20266.73%▲ from 5.90% Sep 14, 20265.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Home Equity - 15 Years	6.10%	-	6.958%	15 Years
Details Published APR range: 6.958% - 7.121%; Published rate range: 6.10% - 6.25%. LTV 80/20; Must be primary residence (1 unit); Loan amount: $50,000.00 - MAX Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.91% → 6.96% ▲ 1.05 pts · high 6.96% / low 5.91% Sep 25, 20266.96%▲ from 5.91% Sep 14, 20265.91%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Home Equity - 10 Years	6.05%	-	7.188%	10 Years
Details Published APR range: 7.188% - 7.676%; Published rate range: 6.05% - 6.20%. LTV 80/20; Must be primary residence (1 unit); Loan amount: $50,000.00 - MAX Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.00% → 7.19% ▲ 1.19 pts · high 7.19% / low 6.00% Sep 25, 20267.19%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Home Equity - 5 Years	6.00%	-	7.989%	5 Years
Details Published APR range: 7.989% - 8.153%; Published rate range: 6.00% - 6.15%. LTV 80/20; Must be primary residence (1 unit); Loan amount: $50,000.00 - MAX Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.34% → 7.99% ▲ 1.65 pts · high 7.99% / low 6.34% Sep 25, 20267.99%▲ from 6.34% Sep 14, 20266.34%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%

Security First Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	5.70%	Up to 84 months
Details Published APR range: 5.70% - 7.95%. Subject to credit approval Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.20% → 5.70% ▲ 0.50 pts · high 5.70% / low 5.20% Sep 25, 20265.70%▲ from 5.20% Sep 14, 20265.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%

Security First Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loans	13.49%	Up to 36 months
Details Published APR range: 13.49% - 17.99%. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 12.99% → 13.49% ▲ 0.50 pts · high 13.49% / low 12.99% Oct 4, 202613.49%▲ from 12.99% Sep 14, 202612.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%

Security First Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Purchase/Refi Owner Occupied LTV 80/20 Primary Residence, 2nd/Vacation home (1 unit)	5.95%	-	7.079%	10 Years
Details Published APR range: 7.079% - 7.296%; Published rate range: 5.95% - 6.15%. Loan amount: $50,000.00 - MAX; Rate: 5.95% - 6.15%; APR: 7.079% - 7.296% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.08% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Purchase/Refi Owner Occupied LTV 80/20 Primary Residence, 2nd/Vacation home (1 unit)	6.00%	-	6.85%	15 Years
Details Published APR range: 6.850% - 7.066%; Published rate range: 6.00% - 6.20%. Loan amount: $50,000.00 - MAX; Rate: 6.00% - 6.20%; APR: 6.850% - 7.066% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.85% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Purchase/Refi Owner Occupied LTV 80/20 Primary Residence, 2nd/Vacation home (1 unit)	6.05%	-	6.625%	20 Years
Details Published APR range: 6.625% - 6.840%; Published rate range: 6.05% - 6.25%. Loan amount: $75,000.00 - MAX; Rate: 6.05% - 6.25%; APR: 6.625% - 6.840% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.63% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Purchase/Refi Owner Occupied LTV 80/20 Primary Residence, 2nd/Vacation home (1 unit)	6.10%	-	6.559%	25 Years
Details Published APR range: 6.559% - 7.856%; Published rate range: 6.10% - 7.30%. Loan amount: $100,000.00 - MAX; Rate: 6.10% - 7.30%; APR: 6.559% - 7.856% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.56% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Purchase/Refi Owner Occupied LTV 80/20 Primary Residence, 2nd/Vacation home (1 unit)	6.15%	-	6.549%	30 Years
Details Published APR range: 6.549% - 6.764%; Published rate range: 6.15% - 6.350%. Loan amount: $125,000.00 - MAX; Rate: 6.15% - 6.350%; APR: 6.549% - 6.764% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.55% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Purchase/Refi Owner Occupied LTV 90/10 Primary Residence, 2nd/Vacation home (1 unit)	6.20%	-	7.35%	10 Years
Details Published APR range: 7.35% - 7.568%; Published rate range: 6.20% - 6.40%. Loan amount: $50,000.00 - MAX Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.35% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Purchase/Refi Owner Occupied LTV 90/10 Primary Residence, 2nd/Vacation home (1 unit)	6.25%	-	7.121%	15 Years
Details Published APR range: 7.121% - 7.338%; Published rate range: 6.25% - 6.45%. Loan amount: $50,000.00 - MAX Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.12% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Purchase/Refi Owner Occupied LTV 90/10 Primary Residence, 2nd/Vacation home (1 unit)	6.30%	-	6.894%	20 Years
Details Published APR range: 6.894% - 7.110%; Published rate range: 6.30% - 6.50%. Loan amount: $75,000.00 - MAX Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.89% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Purchase/Refi Owner Occupied LTV 90/10 Primary Residence, 2nd/Vacation home (1 unit)	6.35%	-	6.828%	25 Years
Details Published APR range: 6.828% - 7.044%; Published rate range: 6.35% - 6.55%. Loan amount: $100,000.00 - MAX Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.83% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Purchase/Refi Owner Occupied LTV 90/10 Primary Residence, 2nd/Vacation home (1 unit)	6.40%	-	6.818%	30 Years
Details Published APR range: 6.818% - 7.034%; Published rate range: 6.40% - 6.60%. Loan amount: $125,000.00 - MAX Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.82% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Purchase/Refi-Investment Residential (1-4 Unit) - 10 Years	6.20%	-	7.35%	10 Years
Details Published APR range: 7.350% - 7.568%; Published rate range: 6.20% - 6.40%. Loan Amount: $50,000.00 - MAX; LTV75/25 (Tiers A+,A,B) \| LTV70/30 (Tiers C,D) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.35% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Purchase/Refi-Investment Residential (1-4 Unit) - 15 Years	6.25%	-	7.121%	15 Years
Details Published APR range: 7.121% - 7.338%; Published rate range: 6.25% - 6.45%. Loan Amount: $50,000.00 - MAX; LTV75/25 (Tiers A+,A,B) \| LTV70/30 (Tiers C,D) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.12% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Purchase/Refi-Investment Residential (1-4 Unit) - 20 Years	6.30%	-	8.894%	20 Years
Details Published APR range: 8.894% - 7.110%; Published rate range: 6.30% - 6.50%. Loan Amount: $75,000.00 - MAX; LTV75/25 (Tiers A+,A,B) \| LTV70/30 (Tiers C,D) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.89% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Purchase/Refi-Investment Residential (1-4 Unit) - 25 Years	6.35%	-	6.828%	25 Years
Details Published APR range: 6.828% - 7.044%; Published rate range: 6.35% - 6.55%. Loan Amount: $100,000.00 - MAX; LTV75/25 (Tiers A+,A,B) \| LTV70/30 (Tiers C,D) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.83% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Purchase/Refi-Investment Residential (1-4 Unit) - 30 Years	6.40%	-	6.818%	30 Years
Details Published APR range: 6.818% - 7.034%; Published rate range: 6.40% - 6.60%. Loan Amount: $125,000.00 - MAX; LTV75/25 (Tiers A+,A,B) \| LTV70/30 (Tiers C,D) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.82% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Vacant Lot Purchase/Refi - Future Residence	5.90%	-	11.411%	5 Years
Details Published APR range: 11.411% - 11.643%; Published rate range: 5.90% - 6.10%. Loan amount: $15,000.00 - MAX; LTV 80/20 (Tiers A+, A, B) \| LTV 75/75 (Tiers C, D); Residential, 2 acre max, no mixed use Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.41% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Vacant Lot Purchase/Refi - Future Residence	5.95%	-	7.586%	10 Years
Details Published APR range: 7.586% - 7.806%; Published rate range: 5.95% - 6.15%. Loan amount: $30,000.00 - MAX; LTV 80/20 (Tiers A+, A, B) \| LTV 75/75 (Tiers C, D); Residential, 2 acre max, no mixed use Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.59% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Vacant Lot Purchase/Refi - Future Residence	6.00%	-	6.85%	15 Years
Details Published APR range: 6.85% - 7.066%; Published rate range: 6.00% - 6.20%. Loan amount: $50,000.00 - MAX; LTV 80/20 (Tiers A+, A, B) \| LTV 75/75 (Tiers C, D); Residential, 2 acre max, no mixed use Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.85% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Vacant Lot Purchase/Refi Investment - 10 Years	8.40%	-	10.309%	10 years
Details Published APR range: 10.309% - 10.534%; Published rate range: 8.40% - 8.60%. Max loan amount $30,000.00; LTV 75/25 (Tiers A+, A, B) \| LTV 70/30 (Tiers C, D); Residential, 2 acre max, no mixed use; Investment Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 8.60% → 10.31% ▲ 1.71 pts · high 10.31% / low 8.60% Sep 25, 202610.31%▲ from 8.60% Sep 14, 20268.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Vacant Lot Purchase/Refi Investment - 15 Years	8.45%	-	9.535%	15 years
Details Published APR range: 9.535% - 9.757%; Published rate range: 8.45% - 8.65%. Max loan amount $50,000.00; LTV 75/25 (Tiers A+, A, B) \| LTV 70/30 (Tiers C, D); Residential, 2 acre max, no mixed use; Investment Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 8.61% → 9.54% ▲ 0.93 pts · high 9.54% / low 8.61% Sep 25, 20269.54%▲ from 8.61% Sep 14, 20268.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Vacant Lot Purchase/Refi Investment - 5 Years	8.35%	-	14.282%	5 years
Details Published APR range: 14.282% - 14.520%; Published rate range: 8.35% - 8.55%. Max loan amount $15,000.00; LTV 75/25 (Tiers A+, A, B) \| LTV 70/30 (Tiers C, D); Residential, 2 acre max, no mixed use; Investment Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 9.15% → 14.28% ▲ 5.14 pts · high 14.28% / low 9.15% Sep 25, 202614.28%▲ from 9.15% Sep 14, 20269.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%
Young Member Account	0.30%	-	0.30%
Min Deposit $1 Min Balance $1 Details Balance: $1.00 and greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.12%

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

Security First Federal Credit Union’s Texas Ratio rose from 4.12% in Q3 2023 to 8.12% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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	$517M	8.12%	5.0	A
March 31, 2026	$521M	7.56%	5.0	A
December 31, 2025	$521M	9.40%	5.0	A
September 30, 2025	$518M	8.68%	5.0	A
June 30, 2025	$524M	8.71%	5.0	A
March 31, 2025	$522M	6.60%	5.0	A
December 31, 2024	$507M	6.79%	5.0	A
September 30, 2024	$502M	7.50%	5.0	A
June 30, 2024	$500M	5.97%	5.0	A+
March 31, 2024	$487M	3.47%	5.0	A+
December 31, 2023	$451M	5.51%	5.0	A+
September 30, 2023	$447M	4.12%	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 Security First 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 Security First 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 Security First Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Security First Federal Credit Union

Website https://securityfirstcu.com

Address 3515 S Jackson Rd, EDINBURG, TX 78539-6600

Phone 956-661-4000

Fax 956-661-4022

President Cesar Aleman

CEO Andy Reed

Full-Time Employees 114

Part-Time Employees 12

Branch Locations 9

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.12%

Return on Assets (ROA)

0.6306%

Return on Equity (ROE)

5.3115%

Non-Performing Loans Ratio (NPL)

1.32%

Total Assets

516,647,080

Total Amount of Shares and Deposits

449,085,246

Total Shares and Deposits < 1 Year

430,976,969

Total Shares and Deposits 1 3 Years

15,661,274

Total Shares and Deposits > 3 Years

2,447,003

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

25,001,541

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

25,001,541

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

424,083,705

Total Interest Expense (Sum of items 6 8)

2,282,451

Share Certificates

2,777

Number of Accounts for Share Drafts

20,120

IRA KEOGH Accounts

827

Number of Accounts for Regular Shares

42,276

All other shares

985

Money Market Shares

1,091

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)

61,795,226

Total Liabilities

455,481,755

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Security First Federal 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.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Security First Federal Credit Union

How many branches does Security First Federal Credit Union operate?

Security First 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 Security First Federal Credit Union?

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

Does Security First Federal Credit Union offer online and mobile banking?

Most modern institutions like Security First 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://securityfirstcu.com.

Current Security First Federal Credit Union Rates

12-Month CD1.31%
18-Month CD1.87%
24-Month CD1.97%
60-Month CD2.22%
Savings0.25%

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

Compare to Other Credit Unions

Security First Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Security First Federal Credit Union Texas Ratio

Security First Federal Credit Union Health Trend

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Security First Federal Credit Union Savings Rates

Security First Federal Credit Union Business Savings Rates

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Security First Federal Credit Union Business Checking Rates

Security First Federal Credit Union Home Equity & HELOC

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Security First Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Security First Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Security First Federal Credit Union

How many branches does Security First Federal Credit Union operate?

Is a member application needed to join Security First Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Security First Federal Credit Union offer online and mobile banking?

Current Security First Federal Credit Union Rates

Compare to Other Credit Unions