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Social Security Credit Union Rates and Review January 2026

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Social Security Credit Union12-month CD rates can be found at 1.02%, 6-month CD rates at 2.00% and 3-month CD rates at 3.75%. Savings rates are at 0.10% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.14%. Credit Card rates are at 17.20%. Personal Loan rates are at 14.70%. All these rates, and more, can be found in our database of rates which you can compare to Social Security Credit Union rates.

Compare Social Security Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Social Security Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

Rate Updates and Availability

Social 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 CD rates or other rates available. Have you opened an account or have any experiences at Social Security Credit Union? Share your experience about Social Security Credit Union by leaving a review below, or read customer reviews before you decide to use Social Security Credit Union.

Overall, Social Security Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Current Interest Rates

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A

"N/A" indicates the product is not offered or the rate is unavailable.

Social Security Credit Union
Social Security Credit Union
1200 Reverend Abraham Woods Jr Blvd
Birmingham, AL 35285
Member NCUA
MonitorBankRates' Rating
5/5
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CD & Savings Rate Comparison

Bank
Product
APY
Min Dep
First Step (Youth) Savings
7.00%
$1
48-Month CD
4.10%
$1,000
6-Month CD
4.00%
$500
Kasasa Checking
4.00%
$0
6-Month CD
4.00%
$500
6-Month CD
3.99%
$1,000
12-Month CD
3.98%
$1,000
18-Month CD
3.63%
$1,500
48-Month CD
3.60%
$500
9-Month CD
3.60%
$10,000
24-Month CD
3.55%
$500
12-Month CD
3.50%
$500
12-Month CD
3.44%
$500
48-Month CD
3.40%
$500
18-Month CD
3.28%
$500
12-Month CD
3.20%
$500
60-Month CD
3.14%
$500
60-Month CD
3.10%
$0
48-Month CD
3.00%
$1,000
6-Month CD
3.00%
$500
36-Month CD
3.00%
$1,000
60-Month CD
2.89%
$1,000
48-Month CD (Step-Up)
2.75%
$1,000
24-Month CD
2.75%
$1,000
36-Month CD
2.52%
$500
Elite NOW Checking
2.50%
$1,000
60-Month CD
2.50%
$1,000
12-Month CD
2.32%
$1,000
60-Month CD
2.25%
$1,000
Monster Savings
2.24%
$250
48-Month CD
2.11%
$2,500
48-Month CD
2.02%
$500
12-Month CD
2.00%
$1,000
9-Month CD
2.00%
$1,000
12-Month CD
1.77%
$500
6-Month CD
1.50%
$50
48-Month CD
1.25%
$1,000
48-Month CD
1.10%
$1,000
24-Month CD
1.00%
$500
High Yield Checking
1.00%
$100
60-Month CD
0.80%
$500
Money Market
0.75%
$250
12-Month CD
0.60%
$1,000
18-Month CD
0.50%
$500
48-Month CD
0.20%
$500
24-Month CD
0.10%
$500
Statement Savings
0.05%
$100
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rate Comparison

Lender
Product
Rate
APR
Points
20-Year Fixed
6.625%
6.626%
0.000
5.625%
5.760%
1.125
5.700%
5.780%
0.000
5.625%
5.850%
0.000
15 Year Fixed
5.375%
5.588%
0.000
10 Year Fixed
5.500%
5.938%
0.000
30-Year Fixed Jumbo
6.250%
6.389%
0.000
5.875%
6.019%
1.000
5.375%
6.220%
0.000
30-Year Fixed
5.750%
5.788%
0.000
6.000%
6.059%
0.000
5.625%
5.700%
0.000
6.125%
6.282%
1.000
6.000%
6.006%
0.000
4.875%
5.129%
0.000
20-Year Fixed
5.750%
5.975%
0.000
6.000%
6.123%
0.000
15-Year Fixed
5.350%
5.785%
0.000
5.250%
5.430%
0.359
5.625%
5.693%
0.500
5.625%
5.941%
0.000
15-Year Fixed
5.125%
5.389%
1.000
5.115%
5.908%
0.946
20-Year Fixed
5.750%
5.870%
0.000
30-Year Fixed
5.875%
5.999%
0.000
5.240%
6.315%
0.000
30-Year Fixed
6.000%
6.115%
0.000
5.650%
5.986%
0.000
15-Year Fixed
5.750%
6.044%
0.000
4.750%
5.730%
0.000
15 Year Fixed
5.500%
5.677%
0.000
15-Year Fixed
5.000%
5.177%
0.750
6.375%
6.394%
0.000
6.250%
6.389%
0.000
6.500%
6.748%
0.000
5.375%
6.068%
1.000
6.375%
6.460%
0.000
5.500%
5.533%
0.000
4.740%
7.533%
0.000
6.000%
6.067%
0.000
4.875%
4.985%
0.000
6.000%
6.174%
0.000
20-Year Fixed
5.625%
5.666%
0.000
5.875%
6.029%
0.000
5.125%
5.304%
0.000
5.000%
5.242%
0.000
5.250%
5.452%
0.000
15-Year Fixed
5.250%
5.326%
0.000
15-Year Fixed
5.750%
5.870%
0.000
5.875%
6.359%
0.000
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Credit Card Rate Comparison

Institution
Product
APR
Notes
Savings Secured Visa®
18.000%
Academic VISA® Classic
15.400%
18.000%
College Real Rewards Card Visa
19.740% - 29.740%
Earn 1.5 points for every $1 you spend on eligible purchases (equal to 1.5% cash back)6 and work towards building a strong financial future.
SIGNATURE 1% CASH BACK VISA
14.740%
Unlimited 1% Cash Back Signature Card
VISA® Credit Cards
7.990%
Business Select Credit Card Mastercard
18.000%
Acadian CU Visa Classic
9.200%
9.20% APR for purchases, balance transfers and cash advances.
Visa Platinum Credit Card
8.900%
No annual fee. No balance transfer fee. No cash advance fee.
13.900%
ABNB VISA Signature
14.740% - 17.740%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
11.900%
VISA® Gold
11.960%
Student Select Rewards Visa
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
15.000% - 17.900%
Maximum Loan Amount Up to $35,000.00
8.900% - 13.900%
Based upon credit worthiness.
VISA Traditional
14.240% - 18.000%
Security Service Power MasterCard
12.740% - 18.000%
GM Business™ Mastercard®
19.240% - 29.240%
0% Intro purchase APR for first 12 months
3.990%
Introductory Rate of 3.99% APR for 12 months on transactions in the first 90 days.
VISA® Classic
12.960%
Visa Platinum Preferred Starter
17.990%
Member Rate Advantage VISA
13.040% - 19.040%
No balance transfer fees or annual fees.
Classroom Supply Visa
8.500%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Personal Loan Rate Comparison

Institution
Product
APR
Loan Amt
Loan Term Months
11.740% - 17.990%
$0
Summer/Holiday Loans
9.500%
$0
Consolidation Loans
13.060%
$0
1 - 36
9.200% - 17.950%
$0 - $100
12 - 24
14.990%
$0
25 - 36
Debt Consolidation
13.990%
$0
1 - 72
Term Line of Credit 84 months
8.000%
$0
Technology Loan
9.750%
$0
36
10.500%
$0
7.990%
$0 - $30,000
9.200% - 17.950%
$0 - $500
48 - 48
8.890%
$0
7.750% - 16.750%
$0
1 - 36
14.200%
$5,000 - $8,000
48 - 48
10.650%
$0
Personal Line of Credit
11.500%
$0
Gold Star Loan
14.200%
$0
48
Personal Signature Loans
14.000%
$0
60
18.000%
$0 - $500
5
14.700%
$8,000
60 - 60
11.240% - 17.950%
$0
25 - 36
Personal Line of Credit
16.240%
$0
60
Unsecured (Signature) Loan
11.000%
$0 - $500
9.990% - 16.240%
$0
61 - 66
12.990%
$0
12
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have Social Security Credit Union rate data right now.

Credit Union Profile & Overview

Credit Union Name: Social Security Credit Union
Full Time Employees: 5
Part Time Employees: 0
President: Henry Williams
CEO: Angelic Pritchett
Branch Locations: 1
ATM Locations: 1
Corporate Office Address:
1200 Reverend Abraham Woods Jr Blvd
Birmingham, AL 35285
Phone Number: 205-323-7028
Fax Number: 205-323-0117

Financials

Total Assets:
36,399,454
Total Amount of Shares and Deposits:
27,849,630
Total Shares and Deposits < 1 Year:
27,474,138
Total Shares and Deposits 1 3 Years:
375,491
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
328,605
Total Uninsured Shares and Deposits > $250K (F+J):
328,605
Total Insured Shares and Deposits > $250K (item 17 less item K):
27,521,025
Total Interest Expense (Sum of items 6 8):
76,438
Share Certificates:
57
Number of Accounts for Share Drafts:
1,792
IRA KEOGH Accounts:
47
Number of Accounts for Regular Shares:
2,734
All other shares:
392
Money Market Shares:
23
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
3,364,153
Total Liabilities:
28,224,725
Show More
Source: NCUA Last Updated 09/30/2025

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Frequently Asked Questions About Social Security Credit Union

Is a member application needed to join Social Security Credit Union?

Yes, to access services at Social Security Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, Social Security Credit Union provides a range of mortgage and home equity products.

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

Yes, Social Security Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.

Does Social Security Credit Union offer online and mobile banking?

Most modern institutions like Social Security Credit Union provide digital access including online balance checks and transfers.

Current Social Security Credit Union Rates

ProductAPY

Rates subject to change.

Compare to other Credit Unions