Southeast Financial Credit Union

Overview / Commentary
220 South Royal Oaks Blvd
Franklin, TN 37064

Southeast Financial Credit Union is headquartered in Franklin and is the 15th largest credit union in the state of Tennessee. It is also the 744th largest credit union in the nation. It was established in 1936 and as of June of 2022, it had grown to 128 employees and 39,884 members at 13 locations. Southeast Financial Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to anyone through a $5 donation to Autism Tennessee (can be done through the credit union). Membership is also open to employees of the Select Employer Groups (membership requirements are listed in the credit union's online application).
See current membership details

Reviews (6)

Excellent People And Service

Posted by: |

Absolutely incredible financial institution. They are ethical, honest and real people. They are helpful and go above and beyond to help. The loan process is very easy and the rates are great. I highly recommended.

Best Service EVER!!

The loan officer helped me and coached me on how to fix my credit.  Now I'm on my way to financial peace! I couldnt have done it without Southeast!  Thanks

A Good Credit Union

Posted by: |

I have had a very positive experience banking with Southeast Financial! I banked with another credit union before switching to Southeast Financial, and that credit union was not nearly as good. I really like SFCU.

Horrible Experience

Posted by: |

I've been using SFCU for several years and they have put a hold on my card probably 8 times now for "fraudulent" activity when I was just using it the way I always do. They never checked with me first or let me know after they did it. $32 overdraft fee and $1.50 "daily negative balance fee." There is no way to reach them on nights or weekends at all. I'm switching to a bank as soon as possible.

False Reports To Credit Bureaus

Posted by: |

Beware- very unethical in reporting to credit bureaus, falsely will state that loans are student loans so that the loans can not be discharged by any means, when in fact the loan was not a student loan. This credit union has done shady business with the likes of The College Network, in which all you have to do is google their unethical behavior and fraud on healthcare professionals.

Beware of this company.

Very Unprofessional!

Posted by: |

Do not do business with this institution. 


Health Grade Components

NCUA #68599
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD4.87%
Annual Interest Income$8.9MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$463.3MM$443.4MM
LoansQ2 2022vs Q2 2021$349.9MM$337.5MM
DepositsQ2 2022vs Q2 2021$425.4MM$406.0MM
Equity CapitalQ2 2022vs Q2 2021$32.7MM$31.8MM
Loan Loss AllowanceQ2 2022vs Q2 2021$2.4MM$2.5MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$2.2MM$2.4MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0

Rates for Southeast Financial Credit Union are currently being reviewed.



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.