Checking, Savings, Money Market & Variable IRA Rates

Enjoy competitive interest rates in Texas, Colorado, and Utah with a Security Service checking or savings account. Earn interest as you build your savings with a Money Market account or open a variable-rate IRA for a potentially higher return.​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​


Checking Accounts

Recommended for members who want:


An interest-earning rewards checking account with no minimum balance or direct deposit requirements.

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Free mobile banking, no minimum balance or direct deposit requirements.

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A checking account for teens 13-17 year olds with no fees or minimum balance required.

Learn More 


Power Protected Checking Account Rates

Balance Tier Dividend Rate APY†† Range
$0.00 - $9,999.99 0.05% 0.05%
$10,000.00 - $24,999.99 0.10% 0.05% to 0.08%
$25,000.00 - $49,999.99 0.20% 0.08% to 0.14%
$50,000.00 - $99,999.99 0.25% 0.14% to 0.20%
$100,000.00 - $249,999.99 0.40% 0.20% to 0.32%
$250,000.00+ 0.65% 0.32% to 0.49% 
Product Dividend Rate% APY% ††
Savings 0.05% 0.05%
Youth Savings 0.05% 0.05%
Club Account 0.05% 0.05%
Balance Tier APY% †† Dividend Rate%
$0.00 - $9,999.99 0.05% 0.05%
$10,000.00 - $24,999.99 0.05% 0.05%
$25,000.00 - $49,999.99 0.05% 0.05%
$50,000.00 - $99,999.99 0.10% 0.10%
$100,000.00 - $249,999.99 0.15% 0.15%
$250,000.00 - $9,999,999.99 0.25% 0.25%


Individual Retirement Account (IRA) Rates


Variable Rate IRA

Dividend Rate%





Please call to apply: 1.888.415.7878
Online application not currently available.




The term "interest" used above refers to dividends.

Must meet membership requirements and must open and maintain a Security Service Basic Savings Account with a $5 balance. The minimum balance required to open a Power Protected Checking account is $25.00. A $5 minimum balance is required to earn APY for all Savings and Money Market accounts.

* Power Protected Checking is a Blended Rate Tier account, which means the dividend rate will only be paid on the portion of your daily balance within each Balance Tier. Rate is variable and may change after the account is opened.

† This Security Service Federal Credit Union Current Dividend Rates disclosure is incorporated as a part of and in addition to the All About Your Security Service Accounts brochure, the Security Service Truth in Savings brochure, and the Security Service Fee Schedule for Consumer Deposit Accounts. Please refer to these items for additional terms, conditions and limitations which may be associated with your specific account(s).

†† APY = Annual Percentage Yield. APY is accurate as of 5/9/22. The Dividend Rate and APY may change without notice at the discretion of the Security Service Federal Credit Union Board of Directors. Fees may reduce earnings on your account. Contact an employee for further information or to obtain current rate information at 1.888.415.7878.