Southern Coastal Federal Credit Union

Popular Accounts at this Credit Union

2.27%5-year CD
1.11%1-year CD
View all Southern Coastal Federal Credit Union rates »

Overview / Commentary
1042 Howard Ave
Biloxi, MS 39530-3773

Southern Coastal Federal Credit Union is headquartered in Biloxi and is the 44th largest credit union in the state of Mississippi. It is also the 4,080th largest credit union in the nation. It was established in 1973 and as of December of 2018, it had grown to 5 employees and 1,432 members at 2 locations. Southern Coastal Federal Credit Union's CD rates are 23% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in Southern Coastal Credit Union is open to employees and retirees of Biloxi Housing Authority, City of Biloxi, City of D'Iberville, Harrison County, Gulf Oaks Hospital, Merit Health Biloxi and affiliated physicians offices, Harrison County Library System, Gulf Coast Surgery Center, Swetman Security Services, or Gaming employees including support staff.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Southern Coastal Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #24885
Year Chartered1973
Primary Regulator
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD4.72%
Annual Interest Income$560.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$9.7MM$9.7MM
LoansQ4 2018vs Q4 2017$8.0MM$7.5MM
DepositsQ4 2018vs Q4 2017$7.8MM$7.8MM
Equity CapitalQ4 2018vs Q4 2017$2.0MM$1.9MM
Loan Loss AllowanceQ4 2018vs Q4 2017$15.00K$13.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$152.00K$212.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Southern Coastal Federal Credit Union Savings Account Rates

1.00%$5-Christmas Club
0.75%$5-IRA Savings
0.60%*$5k*-Share Savings Account
OTHER TIERS: 0.35% $5 - $2.5k | 0.50% $2.5k - $5k

Southern Coastal Federal Credit Union CD Rates

2.27%$500-60 Month CD
2.02%$500-48 Month CD
1.76%$500-36 Month CD
1.51%$500-24 Month CD
1.26%$500-18 Month CD
1.11%$500-12 Month CD
0.70%$500-6 Month CD
0.55%$500-3 Month CD

Southern Coastal Federal Credit Union IRA Rates

2.27%$1k-60 Month IRA
2.02%$1k-48 Month IRA
1.76%$1k-36 Month IRA
1.51%$1k-24 Month IRA
1.26%$1k-18 Month IRA
1.11%$1k-12 Month IRA
0.70%$1k-6 Month IRA
0.55%$1k-3 Month IRA

Southern Coastal Federal Credit Union Locations
Branch Office10383 Auto Mall PkwyDIberville, MS 39540-3750
Corporate Office1042 Howard AveBiloxi, MS 39530-3773

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