Security Service Federal Credit Union
Security Service Federal Credit Union is a member-owned credit union headquartered in San Antonio, Texas, with about $14 billion in assets, according to a 2025 CU Times report. Membership is open to people who live, work, worship, study or volunteer in Texas, Colorado or Utah. It offers auto loans, personal loans, mortgages and home equity loans.
What Security Service Federal Credit Union offers
- Auto loans: Financing for new and used vehicles, and refinancing of a loan you have elsewhere. You must carry full-coverage insurance, with a deductible of no more than $1,000, until the loan is paid off. Loans are subject to credit approval.
- Personal loans: A signature (unsecured) loan, a share-secured loan backed by your savings, a Primeline line of credit and a debt consolidation loan.
- Home loans: Mortgage pre-approval, refinancing and home equity options, with mortgage advisers based in San Antonio.
- Membership routes: Besides the three-state area, some military units, Defense Department employees at certain bases, and relatives or household members of current members can join.
Who it may suit, and who should look elsewhere
Right for you if:
- You live or work in Texas, Colorado or Utah and want a car loan from a credit union.
- You want to refinance a dealer-arranged auto loan.
- You have military ties through an eligible unit or base.
Not right for you if:
- You have no tie to the three states and no family member who belongs.
- You plan to carry only liability insurance on a financed car.
- You want to borrow without joining a credit union first.
Before you apply
Security Service is a federal credit union, and the NCUA’s share insurance page explains that individual accounts at federally insured credit unions are covered up to $250,000. The phone number on this listing does not match the credit union’s site, ssfcu.org, which lists 1-800-527-7328 for member help and 1-800-681-4466 for mortgage questions.
Lenders may check your credit, and rates depend on your credit, the vehicle and the term. Get pre-approved before you shop, then compare the dealer’s offer against it. The CFPB’s auto loan guide walks through that process. See how to check if a lender is licensed and how auto financing works.
