Credit union · NCUA insured
Family Security Credit Union Savings Rates
Family Security Credit Union’s best savings rate is 1.51% APY on $10,000, with its Daily Action Savings Account. Rates checked October 22, 2026.
How Family Security Credit Union’s savings rates compare
Compared with banks and credit unions near Decatur, AL, where Family Security Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Family Security Credit Union
1.51%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $151
Daily Action Savings Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
First Southern Bank
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $200
Family Security Credit Union savings score
88
Savings score
Higher than 83% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0001.51%
- $100,000 balance$100,0002.12%
- QualifiedQualified1.51%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Family Security Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Daily Action Savings Account
1.51%APY
No monthly service fee. Unlimited in-branch transactions; up to 6 preauthorized or check withdrawals per month. Maintenance or activity fees could reduce earnings. Penalties may be imposed for early withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.00% | — |
| $2,000 – $5,000 | 1.51% | — |
| $5,000 – $50,000 | 1.51% | $151 |
| $50,000 – $100,000 | 1.81% | — |
| $100,000 and up | 2.12% | — |
Primary Share Savings Account
0.40%APY
Core savings account received with membership. Paid monthly. Member voting rights.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.40% | $40 |
Special-purpose accounts
Coverdell Education Savings Account
2.12%APY
Designed to help parents and students save for educational expenses. Total contributions cannot exceed $2,000 per year per beneficiary. Beneficiary must be under age 18 or have special needs. Maintenance or activity fees could reduce earnings. Penalties may be imposed for early withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 2.12% | $212 |
Health Savings Account
2.12%APY
Designed for qualified healthcare expenses. Eligible individual must be covered under a qualifying HDHP. Contributions tax-deductible, earnings tax-deferred. Maintenance or activity fees could reduce earnings. Penalties may be imposed for early withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 2.12% | $212 |
IRA Shares
2.12%APY
Available as Traditional or Roth IRA share savings. Tax-deferred earnings. Subject to IRS contribution limits.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 2.12% | $212 |
Sources (3)
All captured Sep 19, 2026
Club Savings Account
0.40%APY
Earn dividends as with Primary Share Savings Account. No penalties. Make deposits and withdrawals anytime.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upNo minimum balance; $25.00 minimum balance to earn dividends.$25 and up | 0.40% | $40 | No minimum balance; $25.00 minimum balance to earn dividends. |
Youth Account
0.40%APY
Designed for ages 17 and under. Special gift when account is opened. Scholarship opportunity for high school seniors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.40% | $40 |
Who can join Family Security Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals and businesses who live, work, worship, attend school, or operate in the counties served across Alabama are eligible for membership.
Employers and groups
- Employees and retirees of Ruby Tuesday, Inc. and the Compass Group family of companies, as well as organizations of such persons, are eligible for membership.
Family and household
- Families of members are eligible for membership.
Other ways
- Residents of Alabama, Mississippi, Tennessee, Florida, or Georgia are eligible for membership through free membership in the Alabama Consumer Council (ACC).
Membership information collected October 4, 2026.