Security Service FCU is a San Antonio-based federal credit union founded 1956 with $13B+ in assets. NCUA insured. 70+ branches in TX, CO, UT. BBB A+ accredited. Originally serving military/federal employees.
Editorially reviewed by Harvey Brooks
Security Service Federal Credit Union (SSFCU) is a federally chartered credit union headquartered in San Antonio, Texas, founded in 1956. Originally established to serve military and federal employees, SSFCU has expanded to serve a broader membership base and manages over $13 billion in assets. The credit union operates more than 70 branches across Texas, Colorado, and Utah, with full-service banking including checking and savings accounts, auto loans, personal loans, mortgages, credit cards, and investment services.
As an NCUA-insured federal credit union, SSFCU offers depositor protection up to $250,000 per account and typically provides more competitive loan rates than for-profit banks and online lenders. The credit union structure means earnings are returned to members through better rates and lower fees rather than shareholder profits. SSFCU holds BBB A+ accreditation.
With a 3.5-star Google rating from 1,765 reviews, SSFCU's customer satisfaction is moderate for a large financial institution. Common credit union advantages include lower personal loan APRs, fewer fees, and community-focused service. Membership eligibility may require living in certain areas or affiliation with qualifying organizations.
As a consumer lender, this company competes with both traditional banks and newer fintech personal loan lenders. Borrowers seeking personal loans for bad credit may find more flexible terms through online lenders, while those focused on simplifying payments may benefit from debt consolidation loans with fixed rates. For credit building, secured credit cards and credit builder loans offer structured paths to improvement. Credit monitoring services provide ongoing visibility into credit health, and credit counseling through nonprofit agencies can help consumers create sustainable budgeting plans.
Yes. Security Service Federal Credit Union is a registered company headquartered in San Antonio, TX, founded in 1956. They hold a A+ rating with the Better Business Bureau and are BBB-accredited.
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CreditDoc Diagnosis
SSFCU is a large, well-established credit union with $13B+ in assets, NCUA insurance, and BBB A+ accreditation. Credit union personal loans typically offer APRs of 7-18% — dramatically lower than online subprime lenders. The 3.5 Google rating suggests room for improvement in customer service. Best for consumers eligible for membership who want competitive banking and lending rates.
Advance America is one of the largest payday and installment loan providers in the US, operating over 1,400 stores in 29 states since 1997. BBB A+ rated but subject to a $18.5M CFPB settlement in 2012 for unfair collection practices.
Best for: Borrowers with limited credit who need fast access to small personal or installment loans under $5,000, Consumers seeking same-day funding from a physical storefront with bilingual (English/Spanish) service
Sun Loan Company is a community-based personal installment lender founded in 1988, operating 250+ locations across 7 states. Offers small loans ($100-$1,700 in TX), tax prep, and same-day funding. BBB D rating (not accredited).
Best for: Borrowers in Texas, Oklahoma, New Mexico, and other covered states who need small personal installment loans under $1,700 with same-day funding, Consumers with limited or damaged credit who need lenders that evaluate beyond just credit scores
BMG Money offers employer-based personal loans ($500-$12,000) with payroll deduction repayment through its LoansAtWork program. Founded 2009 in Miami. BBB A+ accredited. APRs 19.99-35.99%. Partners with government agencies, hospitals, school districts.
Best for: Government employees, hospital workers, and school district staff whose employers partner with BMG Money for payroll deduction loans, Federal employees and retirees seeking allotment-based loans with automatic repayment
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