SSFCU Routing Number

Why does SSFCU only have one routing number for three states?

SSFCU uses a single routing number (314088637) for all members in Texas, Colorado, and Utah to simplify banking operations and reduce member confusion. When SSFCU expanded into Colorado in 1980 through a merger with Fort Carson Federal Credit Union, and later into Utah in 2010 by acquiring Beehive Credit Union, the credit union maintained its original Texas-based routing number rather than creating separate numbers for each state. This unified approach is particularly beneficial for military members and their families, who often relocate between bases in different states and appreciate the consistency of using the same routing number regardless of location.

Can I use the SSFCU routing number if I move to a different state?

Yes, your SSFCU routing number (314088637) remains the same whether you live in Texas, Colorado, Utah, or move to another state entirely. SSFCU membership extends beyond state boundaries through its field of membership rules. Individuals who live, work, worship, attend school, volunteer, or have a business in Texas, Colorado, or Utah qualify for membership. Additionally, people in other states may qualify through approved consumer councils, and family or household members of existing members can also join. Once you're a member, you maintain access to all SSFCU services regardless of where you relocate.

What's the difference between SSFCU not having a SWIFT code and using correspondent banks?

SSFCU is not connected to the SWIFT network, which is the international messaging system banks use for cross-border wire transfers. Most credit unions don't participate directly in SWIFT because the infrastructure costs are high and their international wire volume is relatively low. Instead, SSFCU uses correspondent banks (large international banks that are SWIFT members) to facilitate international transfers. When someone sends you an international wire, their bank wires the money to a U.S. correspondent bank, which then forwards it domestically to SSFCU using the routing number. This adds intermediary bank fees (typically $8-$15) but makes international transfers possible without SSFCU needing its own SWIFT code.

How do I set up direct deposit with SSFCU?

Setting up direct deposit with SSFCU is straightforward and free for all members. Provide your employer with SSFCU's routing number (314088637) and your account number, which appears at the bottom of your checks or in your online banking portal. Your employer will typically provide a direct deposit form for you to complete. Direct deposit is available for paychecks, Social Security benefits, pension payments, tax refunds, and other recurring deposits. Since SSFCU serves military members, government employees, and their families, direct deposit is a popular option and the credit union processes these transactions efficiently with funds typically available on the deposit date.

What are SSFCU's wire transfer fees?

SSFCU charges $15 for domestic wire transfers and $61 for international wire transfers for most consumer accounts. However, if you have a Power Protected Checking Account, both domestic and international wire transfers are free, which provides significant savings for members who frequently send wires. There is no fee to receive incoming wire transfers, whether domestic or international. Keep in mind that international wires may incur additional fees from intermediary correspondent banks (typically $8-$15) and exchange rate markups. All outgoing wire transfers must be initiated by visiting a branch, as SSFCU does not currently offer wire transfer capabilities through online banking or the website.