Family Security Credit Union

Decatur, Alabama
Last verified: August 4, 2026
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Verified rate book

Current Family Security Credit Union rates

109 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

23 offers
Family Security Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.000% APR6.000%—Standard
30-Year Fixed30 year fixed6.066% APR6.000%—Standard
Home (First Time Home Buyer 30 Year Conventional Fixed Rate*******)30 year fixed6.500% APR6.500%—Standard
First Time Home Buyer 30 Year Conventional Fixed Rate*******30 year fixed6.568% APR6.500%—Standard
15-Year Fixed15 year fixed5.250% APR5.250%—Standard
15-Year Fixed15 year fixed5.359% APR5.250%—Standard
Home (First Time Home Buyer 15 Year Conventional Fixed Rate********)15 year fixed5.750% APR5.750%—Standard
First Time Home Buyer 15 Year Conventional Fixed Rate********15 year fixed5.860% APR5.750%—Standard
Home (30 Year 5/1 Conventional Adjustable Rate******)5 1 arm4.750% APR4.750%—Standard
10-Year Fixed10 year fixed5.000% APR5.000%—Standard
10-Year Fixed10 year fixed5.154% APR5.000%—Standard
20-Year Fixed20 year fixed5.500% APR5.500%—Standard
20-Year Fixed20 year fixed5.870% APR5.500%—Standard
30 Year 5/1 Conventional Adjustable Rate******5 1 arm5.889% APR4.750%—Standard
7 Year Conventional Fixed Rate*****other4.500% APR4.500%—Standard
Home (7 Year Conventional Fixed Rate*****)other4.500% APR4.500%—Standard
Home Loanother5.340% APR5.340%—Standard
Home (30 Year FHA*********)other6.250% APR6.250%—Standard
Rural Housing USDA***********other6.250% APR6.250%—Standard
Home (Rural Housing USDA***********)other6.250% APR6.250%—Standard
Home (30 Year VA**********)other6.250% APR6.250%—Standard
30 Year FHA*********other6.250% APR6.250%—Standard
30 Year VA**********other6.250% APR6.250%—Standard

Auto & vehicle rates

7 offers
Family Security Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
36 Months or lessauto_any_36mo5.340% APR5.340%36 moStandard
Automobiles, Boats, Travel Trailers, Farm Equipment (60 Months)boat_any_60mo5.340% APR5.340%60 moStandard
Automobiles, Boats, Travel Trailers, Farm Equipment (48 Months)boat_any_48mo5.340% APR5.340%48 moStandard
Automobiles, Boats, Travel Trailers, Farm Equipment (36 Months or less)boat_any_36mo5.340% APR5.340%36 moStandard
6-Month Auto Loanauto_any_6mo5.340% APR5.340%6 moStandard
Automobiles, Boats, Travel Trailers, Farm Equipment (72 Months)boat_any_72mo5.600% APR5.600%72 moStandard
Automobiles, Boats, Travel Trailers, Farm Equipment (84 Months)boat_any_84mo6.340% APR6.340%84 moStandard

Personal loan rates

1 offer
Family Security Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
36 Months or lesspersonal_unsecured_36mo10.990% APR10.990%36 moStandard

Credit card rates

5 offers
Family Security Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Platinum Credit Cardcredit_card_platinum12.400% APR12.400%—Standard
Student Credit Cardcredit_card_student12.400% APR12.400%—Standard
VISA (VISA Platinum Business)credit_card_business12.400% APR12.400%—Standard
VISA (VISA Platinum Plus)credit_card_platinum14.400% APR14.400%—Standard
VISA (VISA Signature ($5000.00 Minimum))credit_card_platinum16.400% APR16.400%—Standard

Savings & CD rates

73 offers
Family Security Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Certificateshare_certificate0.40% APY0.40%—Standard
Share and Club Rates ($25.00 or more)savings0.40% APY0.40%—Standard
Daily Action Rates ($5,000.00 - $49,999.99)savings1.50% APY1.50%—Standard
Daily Action Rates ($2000.00 - $ 4,999.99)savings1.50% APY1.50%—Standard
Daily Action Rates ($50,000.00 - $99,999.99)savings1.80% APY1.80%—Standard
IRA ($25+)ira2.10% APY2.10%—Standard
Daily Action Rates ($100,000.00 or more)savings2.10% APY2.10%—Standard
Coverdell Education Savings Account Rates (3 Year Certificate)cd_36mo2.80% APY2.80%36 moStandard
Traditional IRA Rates (3 YR Traditional IRA Certificate)ira_cd_36mo2.80% APY2.80%36 moStandard
3 YR Traditional IRA Certificateira_cd_36mo2.84% APY2.80%36 moStandard
3 Year Certificate ($1,000 minimum)cd_36mo2.84% APY2.80%36 moStandard
Traditional IRA Rates (3 YR Traditional Jumbo IRA Certificate)ira_cd_36mo2.85% APY2.85%36 moStandard
Certificate Rates (3 Year Jumbo Certificate ($50,000 minimum))cd_36mo2.85% APY2.85%36 moStandard
3 Year Jumbo Certificate ($50,000 minimum)cd_36mo2.89% APY2.85%36 moStandard
3 YR Traditional Jumbo IRA Certificateira_cd_36mo2.89% APY2.85%36 moStandard
Certificate Rates (3 Year Super Jumbo Certificate ($100,000 minimum))cd_36mo2.90% APY2.90%36 moStandard
Traditional IRA Rates (4 YR Traditional IRA Certificate)ira_cd_48mo2.90% APY2.90%48 moStandard
Traditional IRA Rates (3 YR Traditional Super Jumbo IRA Certificate)ira_cd_36mo2.90% APY2.90%36 moStandard
Certificate Rates (4 Year Super Jumbo Certificate ($100,000 minimum))cd_48mo2.90% APY2.90%48 moStandard
3 Year Super Jumbo Certificate ($100,000 minimum)cd_36mo2.94% APY2.90%36 moStandard
4 YR Traditional IRA Certificateira_cd_48mo2.94% APY2.90%48 moStandard
4 Year Super Jumbo Certificate ($100,000 minimum)cd_48mo2.94% APY2.90%48 moStandard
3 YR Traditional Super Jumbo IRA Certificateira_cd_36mo2.94% APY2.90%36 moStandard
Certificate Rates (4 Year Jumbo Certificate ($50,000 minimum))cd_48mo2.95% APY2.95%48 moStandard
Traditional IRA Rates (4 YR Traditional Jumbo IRA Certificate)ira_cd_48mo2.95% APY2.95%48 moStandard
4 Year Jumbo Certificate ($50,000 minimum)cd_48mo2.99% APY2.95%48 moStandard
4 YR Traditional Jumbo IRA Certificateira_cd_48mo2.99% APY2.95%48 moStandard
Traditional IRA Rates (4 YR Traditional Super Jumbo IRA Certificate)ira_cd_48mo3.00% APY3.00%48 moStandard
Traditional IRA Rates (5 YR Traditional IRA Certificate)ira_cd_60mo3.00% APY3.00%60 moStandard
Coverdell Education Savings Account Rates (5 Year Certificate)cd_60mo3.00% APY3.00%60 moStandard
4 YR Roth Super Jumbo Certificatecd_48mo3.00% APY3.00%48 moStandard
5 Year Certificate ($1,000 minimum)cd_60mo3.04% APY3.00%60 moStandard
5 Year Jumbo Certificate ($50,000 minimum)cd_60mo3.04% APY3.05%60 moStandard
5 YR Traditional IRA Certificateira_cd_60mo3.04% APY3.00%60 moStandard
4 YR Traditional Super Jumbo IRA Certificateira_cd_48mo3.04% APY3.00%48 moStandard
Traditional IRA Rates (5 YR Traditional Jumbo IRA Certificate)ira_cd_60mo3.05% APY3.05%60 moStandard
Certificate Rates (5 Year Jumbo Certificate ($50,000 minimum))cd_60mo3.05% APY3.05%60 moStandard
5 YR Traditional Jumbo IRA Certificateira_cd_60mo3.09% APY3.05%60 moStandard
5 YR Roth Jumbo Certificatecd_60mo3.09% APY3.05%60 moStandard
Certificate Rates (5 Year Super Jumbo Certificate ($100,000 minimum))cd_60mo3.10% APY3.10%60 moStandard
Traditional IRA Rates (5 YR Traditional Super Jumbo IRA Certificate)ira_cd_60mo3.10% APY3.10%60 moStandard
5 YR Traditional Super Jumbo IRA Certificateira_cd_60mo3.14% APY3.10%60 moStandard
5 Year Super Jumbo Certificate ($100,000 minimum)cd_60mo3.14% APY3.10%60 moStandard
Traditional IRA Rates (2 YR Traditional IRA Certificate)ira_cd_24mo3.30% APY3.30%24 moStandard
Coverdell Education Savings Account Rates (2 Year Certificate)cd_24mo3.30% APY3.30%24 moStandard
2 Year Certificate ($1,000 minimum)cd_24mo3.35% APY3.30%24 moStandard
2 YR Traditional IRA Certificateira_cd_24mo3.35% APY3.30%24 moStandard
Traditional IRA Rates (2 YR Traditional Jumbo IRA Certificate)ira_cd_24mo3.35% APY3.35%24 moStandard
Certificate Rates (2 Year Jumbo Certificate ($50,000 minimum))cd_24mo3.35% APY3.35%24 moStandard
2 Year Jumbo Certificate ($50,000 minimum)cd_24mo3.40% APY3.35%24 moStandard
Traditional IRA Rates (2 YR Traditional Super Jumbo IRA Certificate)ira_cd_24mo3.40% APY3.40%24 moStandard
Certificate Rates (2 Year Super Jumbo Certificate ($100,000 minimum))cd_24mo3.40% APY3.40%24 moStandard
2 YR Traditional Jumbo IRA Certificateira_cd_24mo3.40% APY3.35%24 moStandard
2 Year Super Jumbo Certificate ($100,000 minimum)cd_24mo3.45% APY3.40%24 moStandard
Certificate Rates (6 Month Certificate ($1,000 minimum))cd_6mo3.45% APY3.45%6 moStandard
2 YR Traditional Super Jumbo IRA Certificateira_cd_24mo3.45% APY3.40%24 moStandard
Certificate Rates (6 Month Jumbo Certificate ($50,000 minimum))cd_6mo3.50% APY3.50%6 moStandard
6 Month Certificate ($1,000 minimum)cd_6mo3.51% APY3.45%6 moStandard
Certificate Rates (6 Month Super Jumbo Certificate ($100,000 minimum))cd_6mo3.55% APY3.55%6 moStandard
6 Month Jumbo Certificate ($50,000 minimum)cd_6mo3.56% APY3.50%6 moStandard
Coverdell Education Savings Account Rates (1 Year Certificate)cd_12mo3.60% APY3.60%12 moStandard
Traditional IRA Rates (1 YR Traditional IRA Certificate)ira_cd_12mo3.60% APY3.60%12 moStandard
6 Month Super Jumbo Certificate ($100,000 minimum)cd_6mo3.61% APY3.55%6 moStandard
Traditional IRA Rates (1 YR Traditional Jumbo IRA Certificate)ira_cd_12mo3.65% APY3.65%12 moStandard
Certificate Rates (1 Year Jumbo Certificate ($50,000 minimum))cd_12mo3.65% APY3.65%12 moStandard
1 YR Traditional IRA Certificateira_cd_12mo3.66% APY3.60%12 moStandard
1 Year Certificate ($1,000 minimum)cd_12mo3.66% APY3.60%12 moStandard
Certificate Rates (1 Year Super Jumbo Certificate ($100,000 minimum))cd_12mo3.70% APY3.70%12 moStandard
Traditional IRA Rates (1 YR Traditional Super Jumbo IRA Certificate)ira_cd_12mo3.70% APY3.70%12 moStandard
1 Year Jumbo Certificate ($50,000 minimum)cd_12mo3.71% APY3.65%12 moStandard
1 YR Traditional Jumbo IRA Certificateira_cd_12mo3.71% APY3.65%12 moStandard
1 Year Super Jumbo Certificate ($100,000 minimum)cd_12mo3.76% APY3.70%12 moStandard
1 YR Traditional Super Jumbo IRA Certificateira_cd_12mo3.76% APY3.70%12 moStandard

As of August 4, 2026, Family Security Credit Union offers a 30-year fixed mortgage at 6% APR. Vehicle loans available from 5.34% APR for 36 months. Personal loan rates from 10.99% APR. Credit card rates from 12.4% APR. Savings and certificate yields up to 3.76% APY.

Source: RateAPI.dev, verified from Family Security Credit Union's official website

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About Family Security Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
88.8K
Assets
$1.1B
Founded
1953
Locations reported
25
NCUA charter
60605
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online loan application
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • Bilingual services
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Champion CommunityCCCU - Decatur Branch · Decatur · AL · 35603-1701Branch in the same ZIPRedstoneAustin High School Branch · Decatur · AL · 35603-4254Branch in the same ZIPWCU Credit UnionWCU Credit Union · Decatur · AL · 35603-1503Branch in the same ZIPAlabama CentralDecatur · Decatur · AL · 35601-8800About 5.3 miles awayAlabamaDecatur Branch · Decatur · AL · 35601-6512About 5.3 miles awayNucor Employee'sNucor Employee's Credit Union Decatur Branch · Trinity · AL · 35673About 10.1 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Family Security Credit Union

Membership eligibility from Family Security Credit Union's own published criteria. How we verify this.

Membership via employers (Ruby Tuesday, Inc. +1 more)

  • EmployerRuby Tuesday, Inc., Compass Group

Verified from Family Security Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Family Security Credit Union?

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Frequently Asked Questions

What rates does Family Security Credit Union offer?

Family Security Credit Union currently offers mortgage, vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Family Security Credit Union rates updated?

RateAPI verifies Family Security Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Family Security Credit Union's rate data?

Rate data is collected directly from Family Security Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Family Security Credit Union's mortgage rate?

As of August 4, 2026, Family Security Credit Union offers a 30-year fixed mortgage at 6% APR.

What are Family Security Credit Union's auto & boat loan rates?

As of August 4, 2026, Family Security Credit Union offers vehicle loans from 5.34% APR.

What is Family Security Credit Union's personal loan rate?

As of August 4, 2026, Family Security Credit Union offers personal loans from 10.99% APR.

What is Family Security Credit Union's best CD rate?

As of August 4, 2026, Family Security Credit Union offers savings and certificate (CD) yields up to 3.76% APY.

Related Rate Data

Compare Family Security Credit Union's rates against national credit-union benchmarks.

More Alabama credit unionsMortgage rate benchmarkAuto loan rate benchmarkPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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