SSFCU Locations, ATMs & Hours — TX, CO, Utah

SSFCU locations span Texas, Colorado and Utah, where Security Service Federal Credit Union operates full-service branches, its own ATMs, and access to a large surcharge-free ATM network and CO-OP shared branching. This independent member guide explains how to find an SSFCU branch or ATM near you, what to expect from branch hours, and how members bank away from home. It is not the official site.

Founded in 1956 and headquartered at 15000 W Interstate 10 in San Antonio, Texas, SSFCU has grown into one of the largest credit unions in the country while keeping a strong regional footprint. If you are looking for a branch, drive-through, or cash machine, the fastest path is always the official SSFCU branch and ATM locator, which shows current addresses, hours and services for each site. Branches do move, merge or change hours over time, so treat the locator as the source of truth.

Ways to find and use SSFCU locations

1. Official branch & ATM locator — search by city or ZIP on the official SSFCU site to see the closest branches and machines.
2. Search "SSFCU near me" — a map search returns nearby branches, but confirm hours on the official locator before you drive over.
3. Call member service — dial 1-888-415-7878 and ask staff to point you to the nearest branch or in-network ATM.
4. CO-OP shared branching — bank in person at thousands of participating credit union branches nationwide, even outside TX, CO and UT.
5. Surcharge-free ATM network — use the CO-OP or SSFCU ATM locator to find fee-free cash machines when you travel.
6. Mobile and online banking — handle deposits, transfers and payments without a branch through SSFCU online banking.
7. Drive-through and lobby hours — check the specific branch page, since drive-up windows often open earlier and close later than the lobby.

Which states have SSFCU branches?

Security Service concentrates its branch network in three states. In Texas, the credit union's home market, members will find the widest coverage, including the San Antonio area around the headquarters as well as other metros across the state. In Colorado and Utah, SSFCU maintains full-service branches that offer the same core accounts, lending and member support. Exact counts shift as the credit union opens new sites or consolidates older ones, which is why a live locator lookup beats any static list.

Not near a branch in one of those states? You are not cut off from in-person service. Through shared branching you can walk into a participating credit union almost anywhere in the United States and complete routine transactions on your SSFCU account. To open an account first, review membership eligibility, and to reach a representative directly see the SSFCU customer service page.

SSFCU ATMs and the surcharge-free network

Beyond branch-based machines, SSFCU members tap into a large surcharge-free ATM network, which means you can withdraw cash without paying an out-of-network fee at participating locations. These machines sit in retail stores, gas stations and other credit unions, so coverage extends well past the three branch states. The catch is that "surcharge-free" only applies at in-network ATMs, so it is worth confirming a machine is in the network before you use it.

The simplest check is the official SSFCU or CO-OP ATM locator, which filters results to fee-free machines near an address you enter. If you are also setting up deposits, our routing number guide covers what payroll providers ask for, using routing number 314088637.

SSFCU branch hours — what to expect

There is no single set of hours for every SSFCU branch. Lobby hours commonly run on weekday business hours with shorter Saturday hours, while many locations have no Sunday service and close on federal holidays. Drive-through lanes frequently keep longer hours than the lobby. Because each branch sets its own schedule, the only reliable answer to "what time does my SSFCU close?" is the hours listed for that exact location on the official locator.

Planning a visit around a specific service — notary, safe deposit or a loan closing — is worth a quick call first, since not every branch offers every service. Member service at 1-888-415-7878 confirms both the hours and what a branch handles. For anything you can do without visiting, start on the member guide home or sign in through online banking.

Banking when you are away from a branch

Distance from a physical location rarely means losing access. Mobile deposit funds your account from a photo of a check, online bill pay handles most payments, and shared branching plus the surcharge-free ATM network cover in-person cash needs nationwide. To compare what to open, the current rates page outlines accounts, and sign-in is always completed on the official Security Service website — this guide links you there and never shows a password field.

SSFCU locations — FAQ

Where are SSFCU branches located?

Security Service Federal Credit Union operates full-service branches across Texas, Colorado and Utah, with its headquarters in San Antonio, Texas. Use the official SSFCU locator to confirm the branch nearest you.

How do I find an SSFCU location near me?

Use the branch and ATM locator on the official SSFCU website, search by city or ZIP code, or call member service at 1-888-415-7878. Because branches open and close over time, always verify with the official locator.

Can I use my SSFCU account at other credit union branches?

Yes. SSFCU participates in the CO-OP shared branching network, so members can conduct many everyday transactions at thousands of participating credit union branches nationwide.

Are there surcharge-free SSFCU ATMs?

SSFCU members have access to a large surcharge-free ATM network in addition to the credit union's own machines. Confirm whether a specific ATM is in-network using the official SSFCU or CO-OP ATM locator.

What are SSFCU branch hours?

Branch hours vary by location and often differ on Saturdays and around holidays. Check the hours listed for your specific branch on the official SSFCU locator before visiting.