Security Service Federal Credit Union (SSFCU) began in 1956 with eight members and $25 in deposits. As a federally insured and federally chartered financial institution, the credit union has grown into a $8 billion member-owned organization, with more than 2,600 ways to join. Headquartered in San Antonio, Texas, SSFCU has 70 service centers in... show more
Eligibility
Find out if you are eligible to join Security Service Federal Credit Union.
Security Service Federal Credit Union Reviews
5
33%
4
7%
3
8%
2
4%
1
48%
2.7
177 reviews
177 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
Security Service Federal Credit Union
Jill calhoun @jmcrumors
Report Abuse
1 Star Rating
This is the most incompetent bank I have ever dealt with. Customer service is highly undertrained, and wait times when calling are ridiculously long, and once you do get ahold of someone, they can't resolve your issue. I've been waiting over a month and a half for a check after closing my account. They say it was lost in the mail. I've been instructed by three different people on how to fill out the form, and they've all been incorrect.
show more
show less
Product: Security Service Federal Credit Union Checking
Comment
0
0
Security Service Federal Credit Union
James B @jbetheajr55
Report Abuse
1 Star Rating
I applied for a loan through them and was approved, so they emailed me the documents to sign. As I tried to open the documents, I timed out and didn't get to sign the paperwork. Then, I tried to log back into the documents to sign them again and was locked out. I was told they couldn't send them to me again, and I wasn't able to receive my loan, which resulted in a hit to my credit due to a credit inquiry from them—all because I timed out on the document signing without submitting anything. They wouldn't even give me the common courtesy of resending the paperwork. This is the worst credit union ever! I will forewarn anyone that's trying to apply for anything; please rethink it before you do.
show more
show less
Product: Security Service Federal Credit Union Personal Loans
Comment
0
0
Security Service Federal Credit Union
laticiahays @laticiahays
Report Abuse
5 Star Rating
Customer service representative #0398 was very helpful, patient, and kind when I called for help with my online banking problem. Made me feel like a valued customer.
show more
show less
Product: Security Service Federal Credit Union Checking
Comment
0
0
Security Service Federal Credit Union
Joel Acosta @acostaplumbing
Report Abuse
5 Star Rating
Went to the 151 and 410 branch. Had issues with my account. Miss Rodriguez handled my account and worked very hard on getting it fixed. I was extremely happy as she worked very diligently on my account! Couldn't be happier! Thanks.
show more
show less
Product: Security Service Federal Credit Union Checking
Comment
0
0
Security Service Federal Credit Union
angel13411 @angel13411
Report Abuse
1 Star Rating
When my father originally set up his CDs and money market account, he took us to the Colorado Springs branch so he could place my brother and I on as beneficiaries after my mother.
My dad passed away in 2023, and my mom took over the accounts (4 CDs) and a Money Market, and my brother and I went in with her when it was time to roll the CDs over, etc.
She kept all the funds as there was no need to withdraw any money at the time.
Unfortunately, my mother passed away last month, and after discussing it, my brother and I decided to close all the accounts and liquidate the funds between us, as I live in the NW and have my own credit union I work with.
When we visited the Colorado Springs branch on Kelly Johnson Drive, we were told they needed to hold the account as it had to be processed through their San Antonio location. We found this odd as my dad had dealt with two other financial institutions after my mom passed without any issues. We liquidated the accounts, with no questions or penalties, as this was a death and a direct beneficiary situation.
However, we waited three weeks, only to discover my brother wasn't officially listed as a beneficiary, even though we had visited with my parents several times to drive them to SSFCU and were told we were listed as beneficiaries. We both provided Social Security numbers and identification, and signed the necessary documents to confirm this.
When we hadn't heard from them for another week, I called and was given evasive answers about the delays in dispersing the funds, and they mentioned that we would have to pay a penalty for withdrawal since the CDs were set to renew in December. I was aware that such a fee should have been waived in the event of a death.
To make a long story short, I decided to call an attorney, and once they were involved, the funds suddenly became available with apologies.
After an exhausting few weeks and many hours on hold throughout this process, not to mention the grief of losing my mom, I advise not to waste your time with this institution.
Cindy Wakefield
show more
show less
Product: Security Service Federal Credit Union CDs
Comment
0
0
Security Service Federal Credit Union @SSFCU1
Dear Ms. Wakefield,
First and foremost, please accept our heartfelt condolences on the loss of your mother. We understand that navigating financial matters during a time of grief can be especially difficult, and we deeply regret that your experience with Security Service added stress during such a sensitive period.
We sincerely apologize for the delays and confusion you encountered while attempting to close your mother’s accounts. Your account of the situation, particularly the miscommunication regarding beneficiary status and the lack of timely updates, does not reflect the level of service we strive to provide.
We have reviewed the handling of your case to identify where our processes fell short and to ensure that similar issues do not arise for other families. Specifically, we:
Reassessed our beneficiary documentation procedures to ensure clarity and accuracy.
Reviewed our internal communication between branches and back offices to prevent unnecessary delays.
Reinforced staff training on death-related account transitions, including fee waivers and compassionate service protocols.
We appreciate you bringing this matter to our attention, and we remain committed to learning from it.
Thank you again for your feedback. We wish you and your family peace and healing during this time.
show more
show less
Comment
0
0
Security Service Federal Credit Union
tjculler99 @tjculler99
Report Abuse
1 Star Rating
Horrific customer service. Waited for 35 minutes to get an idiotic answer to my Zelle setup question. It can't be done on an iPad, even though it's clearly a mobile device with the app installed. How this organization gets positive reviews is beyond me. I've been a customer for almost 20 years, and I've seen the service decline every year.
show more
show less
Product: Security Service Federal Credit Union Checking
Comment
0
0
Security Service Federal Credit Union
Jeremy Harrell @harrellj73
Report Abuse
1 Star Rating
SSFCU is terrible. Never do business with them. They recommend products without understanding them. I paid a loan on time for over 36 months, asked for one payment skip, and they refused multiple times. Why would a loan officer even suggest this, much less a manager at a branch try it a second time if the underwriters are only going to say "matures in less than a year"? It's a terrible reason to disapprove a skip payment. Loan officers and managers need to be more knowledgeable about their products. I was promised an answer by Friday and to be notified by email of the decision. Neither happened. I am glad I stopped using their checking services three years ago, and now I am working on transferring my loans away from them so I never have to deal with them again. There are plenty of other great credit unions in Texas. The SSFCU branch by 151 is the one that made promises that were not kept, both by a loan officer and a manager. The New Braunfels Creekside branch did well in trying to fix or resolve the issue. But the underwriting department could care less about the customer. Then SSFCU should train their associates better on products so that associates don't set customers up for false expectations and failures. Thanks for nothing, SSFCU and the 151/Potranco branch.
show more
show less
Product: Security Service Federal Credit Union Personal Loans
Comment
0
0
Security Service Federal Credit Union
Athena Stanley @athenanp22
Report Abuse
1 Star Rating
I've been a member with SSFCU for five years, and unfortunately, during a single financial hardship, I was hit with $227.50 in NSF fees—seven separate charges of $32.50—all because SSFCU chooses to reject autopay transactions rather than allowing a small negative balance that I could've easily repaid with interest. Instead of working with me, the system punished me repeatedly for one shortfall.
What's worse is the lack of human support. Every time I've tried to call, I get stuck in an automated maze with no way to speak to a real person. There is no effective customer service or resolution path, which makes an already stressful financial situation even worse.
Even Chime doesn't charge NSF fees, which makes this all the more frustrating. Over my five years with SSFCU, I've probably paid well over $1,000 in NSF fees. I'm not someone irresponsible with money, but when I do run into a hardship, it's painful to be penalized by my own bank.
In contrast, Frost Bank has been far more humane and accessible. They don't charge NSF fees, and when I call, a real person answers and helps me. That kind of service matters.
I expected more from a credit union. SSFCU feels like a faceless institution that punishes struggling members instead of helping them. I'll be moving my banking over to Frost.
show more
show less
Product: Security Service Federal Credit Union Checking
Comment
0
0
Security Service Federal Credit Union
John @john_zabik
Report Abuse
1 Star Rating
Don't get a car loan with this bank under any circumstances. I purchased a 2014 Nissan Sentra from a dealership and had no choice but to go through them. At first, things were going well with no problems. I was making every payment for the vehicle on time, then I had the good fortune to pay off the car all at once and close off the account. So, I sent the payoff amount the same way I sent in my regular payments, through bill pay which is paying online by my bank. Now, all of a sudden, they started to become extremely uncooperative. It seems to me that their attitude was that paying off the loan was a bad thing. Keep in mind, everyone, that's how banks make their money. If you pay off the loan early they can't make a profit from the interest rate they're charging you. So, to get on with the story, I attempted to speak with the customer reps that answer, and they really had no clue. In fact, they didn't seem happy at all that the final payment was coming their way. In fact, they said that even though I was going to make a final payment (that's the complete loan due), I would still have to make payments, which didn't make sense to me. Why would you pay more than the balance of the loan? Anyway, to make a short review brief, just go to another bank.
show more
show less
Product: Security Service Federal Credit Union Car Loans
Comment
0
0
Security Service Federal Credit Union @SSFCU1
We understand your frustration and apologize for your experience. Please call us at 1-888-415-7878 and select option 4, and one of our reps can assist you. Your feedback will help us improve our process and ensure a better experience for our members.
show more
show less
Comment
0
0
Security Service Federal Credit Union
paxpref @paxpref
Report Abuse
1 Star Rating
I closed my account with Security Service Federal Credit Union. The manager was extremely rude and indifferent to me. Every time I walked in, I was greeted with "Will be with you in a minute" instead of receiving prompt service. A teller made an error, and the energy was just negative. I wish I had not kept it open for that one year. I should have closed my account sooner.
show more
show less
Product: Security Service Federal Credit Union Business Services
Comment
0
0
Security Service Federal Credit Union
Jennifer Maes @jmaes724
Report Abuse
1 Star Rating
I've been with SSFCU for 8 years trying to close this account has been challenging but at the end of the day, it's too little, too late
show more
show less
Product: Security Service Federal Credit Union Business Services
Comment
1
0
Security Service Federal Credit Union
ben_bretz @ben_bretz
Report Abuse
1 Star Rating
If you are looking for an auto loan, I would highly recommend not going with Security Service FCU. They don't allow you to pay online from a company account (I was told because they are so large, the CFPB doesn't allow this). When you receive a call from SSFCU, it's an autodial, and you have to wait on hold until an actual person picks up. The last time they called me, I waited on hold for almost 5 minutes to speak to a live person. It seems like everything they do is antiquated, and apparently, they tell their employees to blame it on the CFPB. I will be switching my auto loan to a different credit union.
show more
show less
Product: Security Service Federal Credit Union Car Loans
Comment
1
0
Security Service Federal Credit Union @SSFCU1
We understand your frustration, please note that oversight is for the protection of account funds. Your feedback will help us improve our process and ensure a better experience for our members. Thank you.
show more
show less
Comment
0
0
Security Service Federal Credit Union
Ben Carpenter @Bac008
Report Abuse
1 Star Rating
Because I have everything with SSFCU, I recently applied online to refinance a car loan and an RV loan from other lending institutions to Security Service. I found the online application process to be extremely frustrating and ended up closing both loans even though they had been approved. With the exception of Chris in underwriting, I feel the representatives I came into contact with during the online process were not committed to actually making the customer's experience a good one. When returning calls to the auto loan department, each time I found myself waiting on hold or in queue for 5-8 minutes. Even when I was able to talk to someone in the loan department, I was still placed on hold for a very extended length of time, while that person consulted with another employee. I never felt that my time was taken into consideration. I got the feeling that the underwriting department felt they were doing me a favor by considering my two loans. After my experience with the underwriting department, I couldn't help but feel that those employees have forgotten the reason for their employment, along with the true value of SSFCU customers. I have nothing but praises and the utmost respect for the management and employees at my local SSFCU branch office located on Vinewood in Pueblo, Colorado. My branch office goes out of their way to make me feel valued. Next time I'll go through my branch office.
show more
show less
Product: Security Service Federal Credit Union Car Loans
Comment
1
0
Security Service Federal Credit Union @SSFCU1
We understand your frustration. The experience our members receive should be consistent. Your feedback will help us improve our process and ensure a better phone experience. Thank you.
show more
show less
Comment
0
0
Security Service Federal Credit Union
Clay Briscoe @briscoecn
Report Abuse
5 Star Rating
I recently had an issue with an account at Security Service. However, I asked for a review by a manager. Security Service management (Dorian Williams) followed up very quickly with a professional approach, and my issue was resolved! I have done business with this organization for 20+ years, and I am happy to provide them with a stellar rating. Thanks again SSFCU for the valued relationship!
show more
show less
Product: Security Service Federal Credit Union Checking
Comment
0
0
Security Service Federal Credit Union
Javier Torres @jtorres6185
Report Abuse
5 Star Rating
Ms Rosalie Valero, quickly assessed the grave damage done by fraudulent activity, briefed me on additional security steps to implement via the phone app & how to freeze my debit card, set charge limitations, processed all my 18 fraudulent charges to get reviewed and investigated. In a few hours, fraudulent charges started getting approved and credited back to my account. Absolutely the greatest customer service I've received. This was this Thanksgiving Eve (2024)!!!!!! Thank YOU, Thank YOU, Thank YOU Ms Valero!! Javier Torres
show more
show less
Product: Security Service Federal Credit Union Business Services
Comment
0
0
Review Security Service Federal Credit Union
WalletHub Awards
Security Service Federal Credit Union has won the following WalletHub Awards:
Security Service Federal Credit Union Q&A(23 questions)
Get answers to your questions about Security Service Federal Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Security Service Federal Credit Union could be a good fit if you're looking for a financial institution with a wide range of products and extensive ATM and branch access in Texas, Colorado, and Utah.
However, membership eligibility is limited to people or businesses located in Texas, Colorado, or Utah, or those affiliated with select military branches or employed by the Department of Defense. You might also consider other options if you prioritize strong customer service, as common complaints include long phone wait times, undertrained staff, slow problem resolution, and frustrations with online or mobile app support.
Ultimately, the best bank depends on your individual needs and priorities. It's helpful to compare options and consider factors like fees, interest rates, branch access, and online banking features before making a decision.
To open a Security Service Federal Credit Union Premium Business Checking account, you must be a member of the credit union and provide business details, including the business name, formation documents, address, Employer Identification Number (EIN) or Social Security Number, valid ID, business license, email address, and phone number.
For the most up-to-date information, please refer to Security Service Federal Credit Union's website or contact their customer service at (800) 527-7328.
Yes, Security Service Federal Credit Union offers early direct deposit. This feature is available for deposits into accounts such as Power Checking and Power Protected Checking, and it applies to funds from employers, as well as federal, military, and VA sources.
For the most up-to-date information, visit Security Service Federal Credit Union's website or contact their customer service at (800) 527-7328.
You can compare the best checking accounts here on WalletHub to ensure that whatever decision you make...
Security Service FCU credit cards can offer an APR between 10.24% and 18%, depending on your creditworthiness and what card are you applying for. The interest rate is fixed, though, so it won't change because of economic conditions.
Here's a list of Security Service FCU credit cards and their APRs:
Security Service Power Travel Rewards points are worth 0.81 cents per point, on average. The value of Security Service Power Travel Rewards points depends on how they are redeemed. For example, points from Security Service Power Travel Rewards are worth up to 1 cent each when redeemed for retailer gift cards.
Security Service Power Travel Rewards Point Values
You should contact Security Service's customer service at 888.415.7878 to find if you have gap protection.
0
0
Important Disclosures
Ad Disclosure: Certain offers,
companies or professionals (collectively “listings”) that appear on this site, originate from paying advertisers.
For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where listings appear on this site (including, for
example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array
of offers, companies and professionals, but our listings do not represent all financial services companies
or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does
not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely
independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict
editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch
content, data, and tools. You are responsible for deciding what financial products and providers are best
for your needs.
We work hard to show you up-to-date product terms, however, this information does
not originate from us and thus, we do not guarantee its accuracy.
Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering
institution. Please let us
know if you notice any differences.
* The information about the following cards has been independently collected
by WalletHub: Security Service Power Travel Rewards World Mastercard® and Security Service Power Cash Back World Mastercard®.
