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Serving Members for Over 60 Years

photostack-homeBe A Part of Family Security
Membership is available to individuals who live, work, worship, or attend school in the counties we serve across Alabama, as well as those who are related to existing members. Businesses located in these areas are included in this field of membership.

Routing Number
Family Security's Routing number is 262284279.

 

Current Rates

IRAs

IRAs

IRA RATES
TermDividend RateAPY
1 Year IRA Certificate 0.45 0.45
1 Year Jumbo IRA Certificate 0.50 0.50
1 Year Super Jumbo IRA Certificate 0.55 0.55
2 Year IRA Certificate 0.75 0.75
2 Year Jumbo IRA Certificate 0.80 0.80
2 Year Super Jumbo IRA Certificate 0.85 0.85
3 Year IRA Certificate 1.00 1.01
3 Year Jumbo IRA Certificate 1.05 1.06
3 Year Super Jumbo IRA Certificate 1.10 1.11
4 Year IRA Certificate 1.20 1.21
4 Year Jumbo IRA Certificate 1.25 1.26
4 Year Super Jumbo IRA Certificate 1.30 1.31
5 Year IRA Certificate 1.45 1.46
5 Year Jumbo IRA Certificate 1.50 1.51
5 Year Super Jumbo IRA Certificate 1.55 1.56

All Rates as of December 28, 2015. Rates are subject to change at any time without notice. APY - Annual Percentage Yield. Maintenance or activity fees could reduce the earnings on the account. Penalties may be imposed for early withdrawal. Please review our Truth in Savings Disclosure for more information.

 

ROTH IRA RATES
TermDividend RateAPY
1 Year Certificate 0.45 0.45
1 Year Jumbo Certificate 0.50 0.50
2 Year Certificate 0.75 0.75
2 Year Jumbo Certificate 0.80 0.80 
3 Year Certificate 1.00 1.01
3 Year Jumbo Certificate 1.05 1.06
4 Year Certificate 1.20 1.21
4 Year Jumbo Certificate 1.25 1.26
5 Year Certificate 1.45 1.46
5 Year Jumbo Certificate 1.50  1.51 

All Rates as of December 28, 2015. Rates are subject to change at any time without notice. APY - Annual Percentage Yield. Maintenance or activity fees could reduce the earnings on the account. Penalties may be imposed for early withdrawal. Please review our Truth in Savings Disclosure for more information.

Other Loans

Other Loans

SHARE SECURED LOANS

Rate is 2% above Share or CD rate. 

PERSONAL LOANS
36 Months or less Rates as low as 8.95% APR

All Rates as of May 21, 2014. Rates are subject to change at any time without notice. APR - Annual Percentage Rate. All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.

Credit Cards

Credit Cards

VISA
VISA Platinum   Rates as low as 9.15% APR
VISA Platinum Plus   Rates as low as 11.15% APR
VISA Signature $5000.00 Minimum Rates as low as 13.15% APR
VISA Platinum Business   Rates as low as 9.15% APR
VISA Student   Rates as low as 9.15% APR

All Rates as of February 1, 2016. Rates are subject to change at any time without notice. APR - Annual Percentage Rate. All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.

Real Estate

Real Estate

 

TERMINTEREST RATEAPR
30 Year Conventional Fixed Rate* 3.595% 3.707%
20 Year Conventional Fixed Rate 3.595% 3.751%
15 Year Conventional Fixed Rate** 2.795% 2.991%
10 Year Conventional Fixed Rate*** 2.595% 2.880%
7 Year Conventional Fixed Rate**** 2.40% 2.797%
30 Year 5/1 Conventional Adjustable Rate***** 3.00% 4.072%
First Time Home Buyer 30 Year Conventional Fixed Rate****** 3.95% 4.064%
First Time Home Buyer 15 Year Conventional Fixed Rate******* 3.55% 3.762%
30 Year FHA******** 3.25% 4.363%
30 Year VA********* 3.25% 3.543%
Home Equity Line of Credit********** 3.25% 3.25%

All Rates as of July 5, 2016.  Rates are subject to change at any time without notice.  Rates are locked for 60 days maximum from date of application approval. Other loan programs are available such as our 3/1 Adjustable Rate, and Jumbo loans.  FHA loans require 3.5% down.  Conventional loans require 5% down. Mortgage insurance required on loans greater than 90% loan-to-value, excluding first time home buyers.  This is not an offer of credit and is subject to the terms and conditions of Family Security Credit Union, not all borrowers will qualify, subject to approval and underwriting standards, restrictions may apply.

APR - Annual Percentage Rate.  APR based on program availability and subject to change at any time.  Rates are for purchases and refinances $150,000.00 and greater, conventional limits of $425,000.00. No cash out.  Your actual rate may be different, as many factors go into providing you with a mortgage loan.  Loans must be secured by a dwelling. 

*Example: $150,000.00, 30 years Conv, 3.595%~ = $681.55 monthly payment (Principal and Interest only)
**Example: $150,000.00, 15 years Conv, 2.795%~ = $1,021.15 monthly payment (Principal and Interest only)
***Example: $150,000.00, 10 years Conv, 2.595%~ = $1,420.54 monthly payment (Principal and Interest only)
****Example: $150,000.00, 7 years Conv, 2.40%~ = $1,941.69 monthly payment (Principal and Interest only)
*****Example: $150,000.00, 5/1 years Conv, 3.00%~ = $632.41  monthly payment (Principal and Interest only)
******Example: $150,000.00, First Time Home Buyer 30 year Conv, 3.95%~ = $710.81 monthly payment (Principal and Interest only)
*******Example: $150,000.00, First Time Home Buyer 15 years Conv,  3.55%~ = $686.49 monthly payment (Principal and Interest only)
********Example:  $150,000.00, 30 years FHA, 3.25%~ = $664.23 monthly payment (Principal and Interest only)
*********Example:  $150,000.00, 30 years  VA, 3.25%~ = $667.17 monthly payment (Principal and Interest only)
**********Example: $25,000.00, Home Equity Line of Credit 3.25%~= $375.00 monthly payment (Principal and Interest only)

Auto

Auto

Automobiles, Boats, Travel Trailers, Farm Equipment
36 Months or less Rates as low as 2.69% APR*
48 Months Rates as low as 2.69% APR**
60 Months Rates as low as 2.69% APR***
72 Months Rates as low as 2.95% APR****
84 Months Rates as low as 3.69% APR*****
   
Motorcycles, ATVs, Personal Watercraft, Golf Carts, Lawn Tractors
36 Months or less Rates as low as 3.69% APR^
48 Months Rates as low as 3.69% APR^^
60 Months Rates as low as 3.69% APR^^^
72 Months Rates as low as 3.95% APR^^^^

 

All Rates as of April 20, 2016. Rates are subject to change at any time without notice. APR - Annual Percentage Rate. All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.

 

Loan examples for the above advertised loan types:

* $30,000.00 at 2.69% APR for 36 months = 868.43 per month.
** $30,000.00 at 2.69% APR for 48 months = 660.00 per month.
*** $30,000.00 at 2.69% APR for 60 months = 535.00 per month.
**** $30,000.00 at 2.95% APR for 72 months = 455.20 per month.
*****$30,000.00 at 3.69% APR for 84 months = 405.84 per month
^ $30,000.00 at 3.69% APR for 36 months = 881.71 per month.
^^ $30,000.00 at 3.69% APR for 48 months = 673.32 per month.
^^^ $30,000.00 at 3.69% APR for 60 months = 548.40 per month.
^^^^ $30,000.00 at 3.95% APR for 72 months = 468.76 per month.

Certificates of Deposit (CDs)

Certificates of Deposit (CDs)

CERTIFICATE RATES
TermDividend RateAPY
6 Month Certificate ($1,000 minimum) 0.35 0.35
6 Month Jumbo Certificate ($50,000 minimum) 0.40 0.40
6 Month Super Jumbo Certificate ($100,000 minimum) 0.45 0.45
1 Year Certificate ($1,000 minimum) 0.45 0.45
1 Year Jumbo Certificate ($50,000 minimum) 0.50 0.50
1 Year Super Jumbo Certificate ($100,000 minimum) 0.55 0.55
2 Year Certificate ($1,000 minimum) 0.75 0.75
2 Year Jumbo Certificate ($50,000 minimum) 0.80 0.80
2 Year Super Jumbo Certificate ($100,000 minimum) 0.85 0.85
3 Year Certificate ($1,000 minimum) 1.00 1.01
3 Year Jumbo Certificate ($50,000 minimum) 1.05 1.06
3 Year Super Jumbo Certificate ($100,000 minimum) 1.10 1.11
4 Year Certificate ($1,000 minimum) 1.20 1.21
4 Year Jumbo Certificate ($50,000 minimum) 1.25 1.26
4 Year Super Jumbo Certificate ($100,000 minimum) 1.30 1.31
5 Year Certificate ($1,000 minimum) 1.45 1.46
5 Year Jumbo Certificate ($50,000 minimum) 1.50 1.51
5 Year Super Jumbo Certificate ($100,000 minimum) 1.55 1.56

All Rates as of December 28, 2015. Rates are subject to change at any time without notice. APY - Annual Percentage Yield. Maintenance or activity fees could reduce the earnings on the account. Penalties may be imposed for early withdrawal. Please review our Truth in Savings Disclosure for more information.

COVERDELL EDUCATION SAVINGS ACCOUNT RATES
TermDividend RateAPY
1 Year Certificate 0.45 0.45
2 Year Certificate 0.75 0.75
3 Year Certificate 1.00 1.01
4 Year Certificate 1.20 1.21
5 Year Certificate 1.45  1.46 

All Rates as of December 28, 2015. Rates are subject to change at any time without notice. APY - Annual Percentage Yield. Maintenance or activity fees could reduce the earnings on the account. Penalties may be imposed for early withdrawal. Please review our Truth in Savings Disclosure for more information.

Savings Rates

Savings Rates

SHARE AND CLUB RATES
AmountDividend RateAPY
$25.00 or more 0.22 0.22
     
YOUTH ACCOUNT SHARE RATES (19 YEARS AND UNDER)
AmountDividend RateAPY
$25.00 or more 0.22 0.22
     
IRA SHARE RATES
AmountDividend RateAPY
$25.00 or more 0.40 0.40
     
DAILY ACTION RATES
AmountDividend RateAPY
$0.00 - $1999.99 0.00 0.00
$2000.00 - $ 4,999.99 0.30 0.30
$5,000.00 - $49,999.99 0.30 0.30
$50,000.00 - $99,999.99 0.35 0.35
$100,000.00 or more 0.40 0.40
     
COVERDELL EDUCATION SHARE RATES
AmountDividend RateAPY
$25.00 or more 0.40 0.40

   

HEALTH SAVINGS ACCOUNTS RATES
AmountDividend RateAPY
$25.00 or more 0.40 0.40

 

All Rates as of February 1, 2016. Rates are subject to change at any time without notice. APY - Annual Percentage Yield. Maintenance or activity fees could reduce the earnings on the account. Penalties may be imposed for early withdrawal. Please review our Truth in Savings Disclosure for more information.

Current Rates

  • REAL ESTATE

    TERMINTEREST RATEAPR*
    30 Year Conventional Fixed Rate 3.595% 3.707%
    15 Year Conventional Fixed Rate 2.795% 2.991%
    First Time Home Buyer 30 Year Conventional Fixed Rate 3.95% 4.064%
    30 Year FHA 3.25% 4.363%
    30 Year VA 3.25% 3.543%

    * APR - Annual Percentage Rate. All Rates as of July 5, 2016. Rates are subject to change at any time without notice. All loans are subject to credit approval. Rates are based on an evaluation of credit history and loan term. Membership is required.

  • AUTO

    Automobiles, Boats, Travel Trailers, Farm Equipment  
    36 Months or less Rates as low as 2.69% APR*
    48 Months Rates as low as 2.69% APR*
    60 Months Rates as low as 2.69% APR*
    72 Months Rates as low as 2.95% APR*
    84 Months Rates as low as 3.69% APR*

    * APR - Annual Percentage Rate. All Rates as of April 20, 2016. Rates are subject to change at any time without notice. All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term. Membership is required.

  • CREDIT CARD

    VISA
    VISA Platinum   9.15% APR
    VISA Platinum Plus   11.15% APR
    VISA Signature  $5000.00 Minimum 13.15% APR
    VISA Platinum Business   9.15% APR
    VISA Student   9.15% APR

    * APR-Annual Percentage Rate. All Rates as of February 1, 2016Rates are subject to change. All loans are subject to credit approval. Membership is required.

 

 

 

 

 

 

 

Family Security Credit Union is a BBB Accredited Credit Union in Decatur, AL