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

Current rates for Southern Security Federal Credit Union include: 12-Month CD: 3.40%, 18-Month CD: 3.25%, 24-Month CD: 3.00%, Savings: 0.40%, MMA: 2.50%

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Southern Security Federal Credit Union

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Southern Security Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Southern Security 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

Southern Security Federal Credit Union's top rates as of October 12, 2026 are 3.75% APY on its 6 Month CD, 0.40% APY on savings, 2.50% APY on money market accounts, 0.40% APY on checking, personal loans from 9.99% APR, and credit cards from 14.00% APR, according to rates verified by MonitorBankRates. Other Southern Security Federal Credit Union CD rates include 6 Month CD at 3.70%, 6 Month CD at 3.65%, and 1 Year CD at 3.50%. MonitorBankRates evaluates the financial stability of Southern Security Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.49%. Rates last updated and verified on 10/12/2026.

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

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

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.49%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Southern Security Federal Credit Union
Collierville

819 Southern Home Rd
Collierville, TN 38017-9438

https://www.southernsecurity.org

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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.

Southern Security Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Certificate	3.72%	3.75%	6 months
Min Deposit $50,000 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
6 Month Certificate	3.67%	3.70%	6 months
Min Deposit $10,000 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
6 Month Certificate	3.62%	3.65%	6 months
Min Deposit $2,500 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
1 Year Certificate	3.50%	3.50%	1 year
Min Deposit $50,000 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
1 Year Certificate	3.45%	3.45%	1 year
Min Deposit $10,000 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
1 Year Certificate	3.40%	3.40%	1 year
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
18 Month Certificate	3.35%	3.35%	18 months
Min Deposit $50,000 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
18 Month Certificate	3.30%	3.30%	18 months
Min Deposit $10,000 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
18 Month Certificate	3.25%	3.25%	18 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
2 Year Certificate	3.10%	3.10%	2 years
Min Deposit $50,000 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
2 Year Certificate	3.05%	3.05%	2 years
Min Deposit $10,000 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 3.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
2 Year Certificate	3.00%	3.00%	2 years
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
3 Year Certificate	2.75%	2.75%	3 years
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
4 Year Certificate	2.75%	2.75%	4 years
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
91 Day Certificate	2.23%	2.25%	91 days
Min Deposit $7,500 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
91 Day Certificate	2.18%	2.20%	91 days
Min Deposit $2,500 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%

Southern Security Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.50%	0.50%
Min Balance $50 Details Balance: $50.00 to $4,999.99 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Christmas Club	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000.00 to $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Christmas Club	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000.00 and above Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%

Southern Security Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Misc. Savings	0.40%	0.40%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00 and over; Minimum Balance to Avoid Service Fee: $0 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Business Share (Savings)	0.40%	0.40%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000.00 and over; Minimum Balance to Avoid Service Fee: $25.00 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Business Misc. Savings	0.35%	0.35%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99; Minimum Balance to Avoid Service Fee: $0 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Business Share (Savings)	0.35%	0.35%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99; Minimum Balance to Avoid Service Fee: $25.00 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Business Misc. Savings	0.25%	0.25%
Min Deposit $0 Min Balance $50 Details Balance: $50.00 - $4,999.99; Minimum Balance to Avoid Service Fee: $0 Last Updated 10/12/2026 Rate History 2 changes since Sep 30, 2026 · 0.25% → 0.25% ▼ 0.00 pts · high 0.40% / low 0.25% Oct 12, 20260.25%▼ from 0.40% Oct 8, 20260.40%▲ from 0.25% Sep 30, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Business Share (Savings)	0.25%	0.25%
Min Deposit $25 Min Balance $50 Details Balance: $50.00 - $4,999.99; Minimum Balance to Avoid Service Fee: $25.00 Last Updated 10/12/2026 Rate History 2 changes since Sep 30, 2026 · 0.25% → 0.25% ▼ 0.00 pts · high 0.40% / low 0.25% Oct 12, 20260.25%▼ from 0.40% Oct 8, 20260.40%▲ from 0.25% Sep 30, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%

Southern Security Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	2.47%	2.50%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Money Market Account	2.23%	2.25%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Money Market Account	2.08%	2.10%
Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Money Market Account	1.98%	2.00%
Min Balance $2,500 Details Balance: $2,500.00 to $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%

Southern Security Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account	2.47%	2.50%
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Minimum Balance to Avoid Service Fee: $5,000.00 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Business Money Market Account	2.23%	2.25%
Min Deposit $5,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Minimum Balance to Avoid Service Fee: $5,000.00 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Business Money Market Account	2.08%	2.10%
Min Deposit $5,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Minimum Balance to Avoid Service Fee: $5,000.00 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 2.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Business Money Market Account	1.98%	2.00%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99; Minimum Balance to Avoid Service Fee: $5,000.00 Last Updated 10/12/2026 Rate History 2 changes since Sep 30, 2026 · 2.00% → 2.00% ▼ 0.00 pts · high 2.50% / low 2.00% Oct 12, 20262.00%▼ from 2.50% Oct 8, 20262.50%▲ from 2.00% Sep 30, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%

Southern Security Federal Credit Union Checking Rates

Product	Rate	APY
Share Draft (Checking)	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000.00 and above Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Share Draft (Checking)	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000.00 to $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Share Draft (Checking)	0.10%	0.10%
Min Balance $750 Details Balance: $750.00 to $4,999.99 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%

Southern Security Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Share Draft (Checking)	0.40%	0.40%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000.00 and over; Minimum Balance to Avoid Service Fee: $2,500.00 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Business Share Draft (Checking)	0.30%	0.30%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99; Minimum Balance to Avoid Service Fee: $2,500.00 Last Updated 10/12/2026 Rate History 2 changes since Sep 30, 2026 · 0.30% → 0.30% ▼ 0.00 pts · high 0.40% / low 0.30% Oct 12, 20260.30%▼ from 0.40% Oct 8, 20260.40%▲ from 0.30% Sep 30, 20260.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%

Southern Security Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Autos	-	-	4.50%
Details Published APR range: 4.50% to 17.99%. Conditions Vary Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 4.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Used Autos	-	-	4.99%
Details Published APR range: 4.99% to 18.00%. Conditions Vary Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%

Southern Security Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Watercraft Loan	-	6.99%
Details Published APR range: 6.99% to 17.99%. Conditions Vary Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%

Southern Security Federal Credit Union Credit Card Rates

Product	Rate	APR
Preferred VISA	-	14.00%
Details Published APR range: 14.00% - 18.00%. Variable APR; low rate, no rewards, no annual fee, no cash advance fee, 1% payment or $25, whichever is greater, $500 minimum limit Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 14.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Choice Rewards VISA	-	15.00%
Details Published APR range: 15.00% - 18.00%. Variable APR; 1pt for every $1 spent, no annual fee, premium rewards, no cash advance fee, 1% payment or $25, whichever is greater Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 15.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%

Southern Security Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	9.99%
Details Published APR range: 9.99% to 17.99%. Conditions Vary; other conditions apply Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%

Southern Security Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Education - Back-to-School Loan	-	-	9.99%	Up to 12 months
Details Published APR range: 9.99% to 17.99%. Max Amt=$1,200; Max Term 12 months; other conditions apply Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Home Improvement Loan	-	-	9.99%
Details Published APR range: 9.99% to 17.99%. Conditions Vary; other conditions apply Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Household Goods Loan	-	-	7.99%
Details Published APR range: 7.99% to 15.50%. Limited to 100% of purchase price Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Miscellaneous Share	0.25%	-	0.25%
Min Balance $50 Details Balance: $50.00 to $4,999.99 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Miscellaneous Share	0.35%	-	0.35%
Min Balance $5,000 Details Balance: $5,000.00 to $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Miscellaneous Share	0.40%	-	0.40%
Min Balance $10,000 Details Balance: $10,000.00 and above Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Regular Share	0.25%	-	0.25%
Min Balance $50 Details Balance: $50.00 to $4,999.99 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Regular Share	0.35%	-	0.35%
Min Balance $5,000 Details Balance: $5,000.00 to $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Regular Share	0.40%	-	0.40%
Min Balance $10,000 Details Balance: $10,000.00 and above Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%
Variable Rate IRA/ESA	0.50%	-	0.50%
Min Balance $0 Details Balance: $0.00 Last Updated 10/12/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.49%

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

Southern Security Federal Credit Union’s Texas Ratio rose from 4.82% in Q3 2023 to 11.49% 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	$252M	11.49%	5.0	A
March 31, 2026	$249M	9.40%	5.0	A
December 31, 2025	$245M	9.82%	5.0	A
September 30, 2025	$247M	10.70%	5.0	A
June 30, 2025	$246M	12.15%	5.0	A
March 31, 2025	$240M	12.81%	5.0	A
December 31, 2024	$235M	16.05%	4.9	A-
September 30, 2024	$239M	13.88%	5.0	A
June 30, 2024	$240M	10.91%	5.0	A
March 31, 2024	$239M	5.76%	5.0	A+
December 31, 2023	$235M	6.59%	5.0	A
September 30, 2023	$233M	4.82%	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 Southern Security 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 Southern Security 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 Southern Security Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Southern Security Federal Credit Union

Website https://www.southernsecurity.org

Address 819 Southern Home Rd, Collierville, TN 38017-9438

Phone 901-861-1703

Fax 901-861-1705

President Roland Wilks

CEO Dawn Graeter

Full-Time Employees 63

Part-Time Employees 0

Branch Locations 7

ATM Locations 7

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.49%

Return on Assets (ROA)

0.0861%

Return on Equity (ROE)

0.8522%

Non-Performing Loans Ratio (NPL)

1.72%

Total Assets

251,879,858

Total Amount of Shares and Deposits

226,217,739

Total Shares and Deposits < 1 Year

223,955,408

Total Shares and Deposits 1 3 Years

1,836,917

Total Shares and Deposits > 3 Years

425,415

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

13,353,724

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

13,353,724

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

212,864,015

Total Interest Expense (Sum of items 6 8)

1,394,299

Share Certificates

1,234

Number of Accounts for Share Drafts

11,742

IRA KEOGH Accounts

338

Number of Accounts for Regular Shares

25,298

Money Market Shares

384

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)

10,690,524

Total Liabilities

230,342,584

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Southern Security Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Southern Security Federal Credit Union

How many branches does Southern Security Federal Credit Union operate?

Southern Security 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 Southern Security Federal Credit Union?

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

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

Most modern institutions like Southern Security 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.southernsecurity.org.

Current Southern Security Federal Credit Union Rates

12-Month CD3.40%
18-Month CD3.25%
24-Month CD3.00%
Savings0.40%
MMA2.50%

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

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Southern Security Federal Credit Union Rates & Review October 2026

Brian McKay

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Southern Security Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Southern Security Federal Credit Union

How many branches does Southern Security Federal Credit Union operate?

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

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