The Southern Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.25% | 5-year CD | 3.10% - Barclays 60 Month Online CD |
| 1.15% | 1-year CD | 2.75% - Barclays 12 Month Online CD |
| 0.65% | Savings | 0.27% - National Average |
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
Current Member
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.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 68638 |
| Year Chartered | 1963 |
| Employees | 82 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.6% |
| Return on Equity - YTD | 6.02% |
| Annual Interest Income | $10.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $392.1MM$385.2MM |
| Loans | Q4 2018vs Q4 2017 | $194.5MM$164.7MM |
| Deposits | Q4 2018vs Q4 2017 | $347.2MM$341.8MM |
| Equity Capital | Q4 2018vs Q4 2017 | $39.5MM$37.8MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $747.00K$632.00K |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $293.00K$263.00K |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$0 |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | $1k | - | Checking Plus Checking Account | |
| 0.05% | - | - | Heritage Club Checking Account |
The Southern Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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 |
| College Park Branches | ||
|---|---|---|
| Branch Office | 1701 Columbia Ave Ste 135 | College Park, GA 30337 |
| Fayetteville Branches | ||
|---|---|---|
| Corporate Office | 430 Lanier Ave E | Fayetteville, GA 30214 |
| Griffin Branches | ||
|---|---|---|
| Branch Office | 1610 Georgia Highway 16 W | Griffin, GA 30223 |
| Hampton Branches | ||
|---|---|---|
| Branch Office | 299 Woolsey Rd | Hampton, GA 30228 |
| Jonesboro Branches | ||
|---|---|---|
| Branch Office | 1099 Battlecreek Rd | Jonesboro, GA 30236 |
| Branch Office | 2236 Mount Zion Rd | Jonesboro, GA 30236-2528 |
| LaGrange Branches | ||
|---|---|---|
| Branch Office | 117 Bull St | LaGrange, GA 30240 |
| Newnan Branches | ||
|---|---|---|
| Branch Office | 232 Bullsboro Dr | Newnan, GA 30263 |
| Peachtree City Branches | ||
|---|---|---|
| Branch Office | 1400 Commerce Dr N | Peachtree City, GA 30269 |
| West Point Branches | ||
|---|---|---|
| Branch Office | 7777 Kia Pkwy | West Point, GA 31833-4897 |