Credit union · NCUA insured
Financial Security CU Savings Rates
Financial Security CU’s best savings rate is 0.15% APY on $10,000, with its Membership Account / Regular Shares. Rates checked October 22, 2026.
How Financial Security CU’s savings rates compare
Compared with banks and credit unions near Carlsbad, NM, where Financial Security CU has the most branches. $10,000, best rate first.
This credit union’s best
Financial Security CU
0.15%APY
- Minimum
- $26
- Earns on $10,000 a year
- $15
Membership Account / Regular Shares
Top rate
First National Bank Texas
2.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $200
2nd-highest rate
Artesia Credit Union
0.75%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $75
Financial Security CU savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.15%
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 Financial Security CU 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.
Membership Account / Regular Shares
0.15%APY
Bring in $26 ($25 enables ownership of 5 shares of FSCU and member-owner status; includes one-time entrance fee of $1.00). Minimum documentation required: valid government-issued identification, date of birth, and Social Security number. Minimum balance must be met to earn dividends. Account transfer limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Minimum balance must be met to earn dividends. Account transfer limitations apply. | 0.10% | — | Minimum balance must be met to earn dividends. Account transfer limitations apply. |
| $10,000 – $50,000Minimum balance must be met to earn dividends. Account transfer limitations apply. | 0.15% | $15 | Minimum balance must be met to earn dividends. Account transfer limitations apply. |
| $50,000 and upMinimum balance must be met to earn dividends. Account transfer limitations apply. | 0.25% | — | Minimum balance must be met to earn dividends. Account transfer limitations apply. |
Special-purpose accounts
IRA Account
0.85%APY
Minimum balance must be met to earn dividends. Account transfer limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance must be met to earn dividends. Account transfer limitations apply.Any balance | 0.85% | $85 | Minimum balance must be met to earn dividends. Account transfer limitations apply. |
Sources (1)
- finseccu.com/rates · captured Oct 3, 2026
CU Succeed Teen Savings
0.25%APY
Specially designed for teens ages 13–17. Must first be a member of FSCU before becoming a member of the FSCU Teen Club. No minimum deposit and no monthly service charge. Minimum balance must be met to earn dividends. Account transfer limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTeens ages 13–17. Must first be a member of FSCU. Minimum balance must be met to earn dividends. Account transfer limitations apply.Any balance | 0.25% | $25 | Teens ages 13–17. Must first be a member of FSCU. Minimum balance must be met to earn dividends. Account transfer limitations apply. |
Christmas Club
0.25%APY
Offers ability to save each pay period for the holidays. Minimum balance must be met to earn dividends. Account transfer limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance must be met to earn dividends. Account transfer limitations apply.Any balance | 0.25% | $25 | Minimum balance must be met to earn dividends. Account transfer limitations apply. |
Kirby Kangaroo Kids Club
0.25%APY
Designed for youth ages 0 to 12 years old to promote savings. With every $5 deposit made into this account, coupons are earned and can be traded for items. Must be a member or join FSCU before becoming a club member. Minimum balance must be met to earn dividends. Account transfer limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAges 0-12 years old. Must be an FSCU member or join before becoming a club member. Minimum balance must be met to earn dividends. Account transfer limitations apply.Any balance | 0.25% | $25 | Ages 0-12 years old. Must be an FSCU member or join before becoming a club member. Minimum balance must be met to earn dividends. Account transfer limitations apply. |
Who can join Financial Security CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents living and/or working in Eddy County, New Mexico are eligible for membership.
Family and household
- Members of the immediate families of persons living and/or working in Eddy County, New Mexico (defined as any relative by blood or marriage, including adoptive and foster children) are eligible for membership.
Other ways
- Organizations of persons living and/or working in Eddy County, New Mexico are eligible for membership.
Cost to join
- A deposit or payment of $26.00 is required to establish a Membership Account.
Membership information collected October 4, 2026.