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  Security Service FCU Future Builder Certificate
Security Service FCU Future Builder Certificate Unaffiliated

Security Service FCU Future Builder Certificate

Unaffiliated
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Highlights
APY (Annual Percentage Yield) 0.25% - 0.40%
Minimum Opening Deposit Starting at $250
Certificate Term 12 months

Security Service FCU Future Builder Certificate Review

Security Service FCU Future Builder Certificate are offered by Security Service Federal Credit Union, a credit union founded in 1973 and based in San Antonio, TX. Security Service FCU Future Builder Certificate are available in 3 states across the USA.

Key Takeaways

  • Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 0.40%, which is much higher than the national average for a certificate account.
  • $250 minimum deposit. This is a typical minimum initial deposit for the certificates we track.
  • Limited selection of CD terms. SSFCU CD only offers one CD term. This limits your options when trying to set up a certificate ladder.

Pros & Cons of Security Service FCU Future Builder Certificate

Pros Cons
  • Insured by NCUA.
  • High-dividend yield
  • Only available in 3 states.
  • Poor selection of certificate terms.
  • Does not offer an IRA CD.

Security Service FCU Future Builder Certificate FAQ

Are CDs from Security Service Federal Credit Union federally insured?

Yes, your Security Service Federal Credit Union CD accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What types of CDs does Security Service Federal Credit Union offer?

SSFCU CD provides the following types of CDs.
  • Traditional CDs. These CDs pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the CD for another term.
  • Jumbo CDs. A jumbo CD requires a higher minimum balance than that required by traditional CDs. In exchange, jumbo CDs pay higher interest rates.

What CD rates does Security Service Federal Credit Union offer on its CDs?

SSFCU CD offers an APY starting at 0.25% and ranging up to 0.40%. APY stands for annual percentage yield and shows the interest rate paid by the CD after taking into account compounding.

What terms does SSFCU CD offer?

Security Service Federal Credit Union offers CD terms of the following lengths:
Security Service FCU Future Builder Certificate Rates & Terms
Description
APY (Annual Percentage Yield) 0.25% - 0.40%
12-Month APY 0.25% - 0.40%

What is the minimum deposit to open a CD account with Security Service Federal Credit Union?

SSFCU CD requires a minimum deposit of $250 to open an account.

What is the grace period for SSFCU CD?

There is a 7-day grace period for SSFCU CD. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the 7-day grace period. Note that the new CD rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does SSFCU CD charge?

Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the CD term ends.

Security Service Federal Credit Union charges an early withdrawal fee.

Security Service FCU Future Builder Certificate Fees
Description
Annual Fee $0
No Early Withdrawal Fee?
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Message From SSFCU CD

Benefit from higher rates and penalty-free access to your money with a Future Builder Certificate from Security Service Federal Credit Union. Guarantee growth, with some of the highest 12-month certificate rates in Texas, Colorado, and Utah. 

Availability

  Available in 3 states
  • Colorado
  • Texas
  • Utah

Feature Breakdown

Annual Fee $0
No Early Withdrawal Fee
Minimum Opening Deposit Starting at $250
APY (Annual Percentage Yield) 0.25% - 0.40%
12-Month APY 0.25% - 0.40%
Certificate Term 12 months
CD Accounts
  • Traditional
  • Liquid
  • Jumbo
Grace Period for Account Changes 7 days

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