The Southern Credit Union

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 671st largest credit union in the nation. It was established in 1963 and as of March of 2022, it had grown to 75 employees and 32,843 members at 9 locations. The Southern Credit Union 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 (2)

Soon To Be Former Members

Posted by: |

The branch in Morrow at the drive thru window have the most unprofessional women as customer service reps. I hate banking here and I encouraged my son to open accounts here and he has been treated with the most disrespect. DO NOT DO BUSINESS WITH THIS CREDIT UNION. (there are many more out there). They do not value their customers.

Current Member

Posted by: |

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 - YTD0.32%
Return on Equity - YTD4.45%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$552.8MM$504.8MM
LoansQ1 2022vs Q1 2021$193.8MM$194.3MM
DepositsQ1 2022vs Q1 2021$507.1MM$451.4MM
Equity CapitalQ1 2022vs Q1 2021$39.5MM$47.5MM
Loan Loss AllowanceQ1 2022vs Q1 2021$606.00K$789.00K
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$81.00K$75.00K
Real Estate OwnedQ1 2022vs Q1 2021$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

0.25%--IRA Share Account
0.10%--Vacation Club Account
0.10%--Christmas Club Account
0.02%$100-Share Savings Account

The Southern Credit Union Money Market Rates

0.15%*$25k*-Money Market Savings Account
OTHER TIERS: 0.10% $2.5k - $25k

The Southern Credit Union Checking Account Rates

0.02%$1k-Checking Plus Checking Account
0.02%--Heritage Club Checking Account

The Southern Credit Union CD Rates

1.00%$500-5 Year Term Share Certificate
0.85%$500-4 Year Term Share Certificate
0.75%$500-3 Year Term Share Certificate
0.65%$500-2 Year Term Share Certificate
0.50%$500-18 Month Term Share Certificate
0.35%$500-1 Year Term Share Certificate
0.25%$500-182 Day Term Share Certificate
0.15%$500-91 Day Term Share Certificate

The Southern Credit Union IRA Rates

1.00%$500-5 Year IRA
0.85%$500-4 Year IRA
0.75%$500-3 Year IRA
0.65%$500-2 Year IRA
0.35%$500-1 Year IRA

The Southern Credit Union Locations
Branch Office232 Bullsboro DrNewnan, GA 30263
Branch Office1400 Commerce Dr NPeachtree City, GA 30269
Corporate Office430 Lanier Ave EFayetteville, GA 30214
Branch Office299 Woolsey RdHampton, GA 30228
Branch Office117 Bull StLaGrange, GA 30240
Branch Office1610 Georgia Highway 16 WGriffin, GA 30223
Branch Office2236 Mount Zion RdJonesboro, GA 30236-2528
Branch Office7777 Kia PkwyWest Point, GA 31833-4897
Branch Office1790 Highway 154Sharpsburg, GA 30277

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