Overview / Commentary
430 Lanier Ave E
Fayetteville, GA 30214

The Southern Credit Union is headquartered in Fayetteville and is the 10th largest credit union in the state of Georgia. It is also the 667th largest credit union in the nation. It was established in 1963 and as of December of 2018, it had grown to 82 employees and 32,838 members at 10 locations. The Southern Credit Union's money market rates are 48% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

The Southern Credit Union offers membership to employees of any of the CU's over 200 Select Employer Groups or those who live in the counties of Upson, Troup, Spalding, Meriwether, Lamar, Fayette, Coweta and Butts.
See current membership details

Reviews (1)

Current Member

Posted by: Shae1208 | Jan 17, 2019

I truly dislike this credit union. If you want a credit union that careless about the member, poor customer service, poor communication, hold your money hostage, and overall poor credit union then by all means this is it. I was a member at Atlanta postal credit union which I loved but it was too far from what I live. When I heard about the southern credit union coming to my area I thought great a credit union closer I'll join there. Little did I know it would be banking from hell. You call and talk to setback people that gives you all different information no one is on the same page with how they handle your accounts. Needless to say do not deposit a large check because they hold your funds hostage. They will tell you to get them information showing the check cleared the other bank and they will release your funds but when you do that they will tell you they are not releasing them until the hold expire even though they have received the funds.
I will be withdrawing all my money from this institution.


Health Grade Components

NCUA #68638
Year Chartered1963
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD6.02%
Annual Interest Income$10.6MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$392.1MM$385.2MM
LoansQ4 2018vs Q4 2017$194.5MM$164.7MM
DepositsQ4 2018vs Q4 2017$347.2MM$341.8MM
Equity CapitalQ4 2018vs Q4 2017$39.5MM$37.8MM
Loan Loss AllowanceQ4 2018vs Q4 2017$747.00K$632.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$293.00K$263.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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Always verify rates and promotions with the bank or credit union. We are not The Southern Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Southern Credit Union Savings Account Rates

0.65%*$100k*-Share Savings Account
OTHER TIERS: 0.35% $100 - $2.5k | 0.45% $2.5k - $10k | 0.50% $10k - $25k | 0.60% $25k - $100k
0.25%--IRA Share Account
0.10%--Vacation Club Account
0.10%--Christmas Club Account

The Southern Credit Union Money Market Rates

0.65%*$100k*-Money Market Savings Account
OTHER TIERS: 0.35% $100 - $2.5k | 0.45% $2.5k - $10k | 0.50% $10k - $25k | 0.60% $25k - $100k

The Southern Credit Union Checking Account Rates

0.05%$1k-Checking Plus Checking Account
0.05%--Heritage Club Checking Account

The Southern Credit Union CD Rates

2.25%$500-5 Year Term Share Certificate
1.80%$500-4 Year Term Share Certificate
1.75%$500-3 Year Term Share Certificate
1.50%$500-2 Year Term Share Certificate
1.25%$500-18 Month Term Share Certificate
1.15%$500-1 Year Term Share Certificate
0.65%$500-182 Day Term Share Certificate
0.55%$500-91 Day Term Share Certificate

The Southern Credit Union IRA Rates

2.25%$500-5 Year IRA
1.80%$500-4 Year IRA
1.75%$500-3 Year IRA
1.50%$500-2 Year IRA
1.15%$500-1 Year IRA

Cities: College Park, Fayetteville, Griffin, Hampton, Jonesboro, LaGrange, Newnan, Peachtree City, West Point

College Park Branches
Branch Office1701 Columbia Ave Ste 135College Park, GA 30337

Fayetteville Branches
Corporate Office430 Lanier Ave EFayetteville, GA 30214

Griffin Branches
Branch Office1610 Georgia Highway 16 WGriffin, GA 30223

Hampton Branches
Branch Office299 Woolsey RdHampton, GA 30228

Jonesboro Branches
Branch Office1099 Battlecreek RdJonesboro, GA 30236
Branch Office2236 Mount Zion RdJonesboro, GA 30236-2528

LaGrange Branches
Branch Office117 Bull StLaGrange, GA 30240

Newnan Branches
Branch Office232 Bullsboro DrNewnan, GA 30263

Peachtree City Branches
Branch Office1400 Commerce Dr NPeachtree City, GA 30269

West Point Branches
Branch Office7777 Kia PkwyWest Point, GA 31833-4897

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