☰

Home›
Credit Unions›
Financial Security Credit Union

iAdvertiser Disclosure

Financial Security Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Financial Security 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: April 27, 2026

You can compare Financial Security Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.50%, 6-month share certificate rates at 0.50% and 3-month share certificate rates at 0.03%. Savings rates are at 0.60% and money market rates are at 0.60%. Mortgage rates on 30-year fixed loans are around 5.96%. All these rates can be compared to Financial Security Credit Union rates. MonitorBankRates evaluates the financial stability of Financial Security Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.60%. Rates were last updated on 04/27/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.60%

Excellent Lower than avg

Financial Security Credit Union
Financial Security CU Main Office

1105 W Pierce St
Carlsbad, NM 88220 4014

https://www.finseccu.com

Current Rate Availability

We do not have Financial Security Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Financial Security 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 Financial Security 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 Financial Security Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Financial Security Credit Union

Website https://www.finseccu.com

Address 1105 W Pierce St, Carlsbad, NM 88220 4014

Phone 575-887-6030

Fax 575-885-5054

President Riley Neatherlin

CEO Judy Carrasco

Full-Time Employees 18

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.60%

Return on Assets (ROA)

1.3703%

Return on Equity (ROE)

8.2891%

Non-Performing Loans Ratio (NPL)

1.28%

Total Assets

61,428,815

Total Amount of Shares and Deposits

51,057,975

Total Shares and Deposits < 1 Year

44,580,336

Total Shares and Deposits 1 3 Years

6,477,640

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

3,373,033

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

3,373,033

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

47,684,942

Total Interest Expense (Sum of items 6 8)

336,678

Share Certificates

264

Number of Accounts for Share Drafts

2,853

IRA KEOGH Accounts

116

Number of Accounts for Regular Shares

6,057

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,478,147

Total Liabilities

51,273,757

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Financial Security Credit Union yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Financial Security Credit Union

Frequently Asked Questions About Financial Security Credit Union

Is Financial Security Credit Union a safe place to deposit money?

Yes, Financial Security Credit Union is considered a safe financial institution. With a Texas Ratio of 5.5973978681363%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Financial Security Credit Union operate?

Financial Security 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 Financial Security Credit Union?

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

Does Financial Security Credit Union offer online and mobile banking?

Most modern institutions like Financial Security 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.finseccu.com.