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Securityplus Federal Credit Union

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Securityplus Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Securityplus 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: September 23, 2026

Securityplus Federal Credit Union's 10-Year Fixed rates are at 5.75%, 15-Year Fixed rates are at 6.00%, 20-Year Fixed rates are at 6.20%, 30-Year Fixed rates are at 6.25%. Securityplus Federal Credit Union's Personal Loan Rates are as low as 9.99%. MonitorBankRates evaluates the financial stability of Securityplus Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.47%. Rates last updated and verified on 09/23/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.47%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Securityplus Federal Credit Union
Operations Center

7135 Windsor Blvd
Baltimore, MD 21244

https://www.securityplusfcu.org

Securityplus Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
10-Year Fixed	5.75%	-	5.98%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
15-Year Fixed	6.00%	-	6.16%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
20-Year Fixed	6.20%	-	6.33%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
30-Year Fixed	6.25%	-	6.51%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Securityplus Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan Line of Credit - 1-Year Term	9.99%	1-Year Term
Details As Low As; Rate Discount: as low as 9.74% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Personal Loan Line of Credit - 2-Year Term	10.24%	2-Year Term
Details As Low As; Rate Discount: as low as 9.99% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Personal Loan Line of Credit - 3-Year Term	10.49%	3-Year Term
Details As Low As; Rate Discount: as low as 10.24% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Personal Loan Line of Credit - 4-Year Term	10.74%	4-Year Term
Details As Low As; Rate Discount: as low as 10.49% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Personal Loan Line of Credit - 5-Year Term	10.99%	5-Year Term
Details As Low As; Rate Discount: as low as 10.74% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Personal Line of Credit	13.75%
Details Rate: Prime + 7.00% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

Securityplus Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	-	-	3.10%	6 to 36 Month Term
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%
Summer Flex Loans	-	-	7.99%
Details As Low As;* Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.47%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Securityplus Federal Credit Union’s Texas Ratio rose from 4.10% in Q2 2023 to 10.47% in Q1 2026, so its financial health has weakened 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
March 31, 2026	$604M	10.47%	5.0	A
December 31, 2025	$581M	13.67%	5.0	A
September 30, 2025	$576M	12.02%	5.0	A
June 30, 2025	$577M	10.40%	5.0	A
March 31, 2025	$576M	8.84%	5.0	A
December 31, 2024	$552M	13.04%	5.0	A
September 30, 2024	$559M	10.57%	5.0	A
June 30, 2024	$568M	11.69%	5.0	A
March 31, 2024	$565M	10.13%	5.0	A
December 31, 2023	$579M	11.67%	5.0	A
September 30, 2023	$570M	7.70%	5.0	A
June 30, 2023	$557M	4.10%	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 Securityplus 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 Securityplus 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 Securityplus Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Securityplus Federal Credit Union

Website https://www.securityplusfcu.org

Address 7135 Windsor Blvd, Baltimore, MD 21244

Phone 410-281-6200

Fax 410-281-6273

President Barbara Cuffie

CEO Mike Barr

Full-Time Employees 96

Part-Time Employees 1

Branch Locations 5

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.47%

Return on Assets (ROA)

0.0228%

Return on Equity (ROE)

0.2242%

Non-Performing Loans Ratio (NPL)

1.66%

Total Assets

604,076,382

Total Amount of Shares and Deposits

526,449,611

Total Shares and Deposits < 1 Year

493,847,244

Total Shares and Deposits 1 3 Years

18,978,595

Total Shares and Deposits > 3 Years

13,623,772

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

29,471,470

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

29,471,470

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

496,978,141

Total Interest Expense (Sum of items 6 8)

1,559,984

Share Certificates

4,974

Number of Accounts for Share Drafts

19,244

IRA KEOGH Accounts

1,959

Number of Accounts for Regular Shares

42,065

All other shares

188

Money Market Shares

2,129

Net Income (unless the amount is already included in Undivided Earnings)

137,813

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)

64,206,056

Total Liabilities

543,663,171

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Securityplus Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Securityplus Federal Credit Union

How many branches does Securityplus Federal Credit Union operate?

Securityplus 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 Securityplus Federal Credit Union?

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

Does Securityplus Federal Credit Union offer online and mobile banking?

Most modern institutions like Securityplus 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.securityplusfcu.org.