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Overview / Commentary
800-305-5579
508 National Ave
Chattanooga, TN 37404

Southern Credit Union is headquartered in Chattanooga and is the 86th largest credit union in the state of Tennessee. It is also the 3,383rd largest credit union in the nation. It was established in 1933 and as of September of 2016, it had grown to 8 employees and 2,714 members at 2 locations. Southern Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to employees of Norfolk Southern Corp., CARTA, Bunge, and ADM.
See current membership details

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Health
C+
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 Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #66980
Year Chartered1933
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD-0.06%
Return on Equity - YTD-0.47%
Annual Interest Income$567.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$21.0MM$21.0MM
LoansQ3 2016vs Q3 2015$11.6MM$12.8MM
DepositsQ3 2016vs Q3 2015$18.0MM$18.0MM
Equity CapitalQ3 2016vs Q3 2015$2.8MM$2.9MM
Loan Loss AllowanceQ3 2016vs Q3 2015$138.00K$132.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$357.00K$229.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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Southern Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%--IRA (Individual Retirement Account)
0.25%--Club Account
0.20%--Savings Account

Southern Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%--Insured Money Market Account

Southern Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Checking Account

Southern Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$500-48 Month CD
1.00%$500-60 Month CD
0.80%$500-36 Month CD
0.70%$500-30 Month CD
0.60%$500-24 Month CD
0.50%$500-18 Month CD
0.45%$500-12 Month CD
0.40%$500-6 Month CD
Locations


Southern Credit Union Locations
Branch Office508 National AveChattanooga, TN 37404
Branch Office516 Merchants DrKnoxville, TN 37912