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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Southern Security Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 28, 2026
Southern Security Federal Credit Union's savings rates are at 0.40%. Southern Security Federal Credit Union's money market rates are at 2.50%. Southern Security Federal Credit Union's checking rates are as high as 0.40%. Southern Security Federal Credit Union's Personal Loan Rates are as low as 7.99%. Southern Security Federal Credit Union's Credit Card Rates are at 14.00%. 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 10/28/2026. 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. Southern Security Federal Credit Union
Collierville 819 Southern Home Rd
https://www.southernsecurity.org Collierville, TN 38017-9438  Customer Reviews
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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 Savings Rates
Southern Security Federal Credit Union Business Savings Rates
Southern Security Federal Credit Union Business Money Market Rates
Southern Security Federal Credit Union Checking Rates
Southern Security Federal Credit Union Business Checking Rates
Southern Security Federal Credit Union Auto Loan Rates
Southern Security Federal Credit Union RV, Boat and Powersport Loan Rates
Southern Security Federal Credit Union Credit Card Rates
Southern Security Federal Credit Union Personal Loan Rates
Southern Security Federal Credit Union Other Rates
Financial Health HistorySouthern 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
Customer Reviews
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Frequently Asked Questions About Southern Security Federal Credit UnionWhat is the highest savings rate at Southern Security Federal Credit Union?The highest Southern Security Federal Credit Union savings rate is its Business Misc. Savings at 0.40% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest money market rate at Southern Security Federal Credit Union?The highest Southern Security Federal Credit Union money market rate is its Business Money Market Account at 2.50% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest checking rate at Southern Security Federal Credit Union?The highest Southern Security Federal Credit Union checking rate is its Business Share Draft (Checking) at 0.40% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest auto loan rate at Southern Security Federal Credit Union?The lowest Southern Security Federal Credit Union auto loan rate is its New Autos at 4.50% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest personal loan rate at Southern Security Federal Credit Union?The lowest Southern Security Federal Credit Union personal loan rate is its Personal Loan - Household Goods at 7.99% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest credit card APR at Southern Security Federal Credit Union?The lowest Southern Security Federal Credit Union credit card APR is its Preferred VISA Credit Card at 14.00% APR, verified by MonitorBankRates as of October 28, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Southern Security Federal Credit Union rates compare?Southern Security Federal Credit Union's top rates are its Business Misc. Savings at 0.40% APY, its Business Money Market Account at 2.50% APY, its Business Share Draft (Checking) at 0.40% APY, its Personal Loan - Household Goods at 7.99% APR and its Preferred VISA Credit Card at 14.00% APR, verified by MonitorBankRates on October 28, 2026. Current Southern Security Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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