The Southern Credit Union

Overview / Commentary
430 Lanier Ave E
Fayetteville, GA 30214

The Southern Credit Union is headquartered in Fayetteville and is the 12th largest credit union in the state of Georgia. It is also the 707th largest credit union in the nation. It was established in 1963 and as of December of 2023, it had grown to 71 employees and 31,985 members at 11 locations. The Southern Credit Union has a B+ health rating.

Field of Membership Restrictions

The Southern Credit Union offers membership to those who live or work in the Georgia counties of Butts, Clayton, Coweta, Fayette, Fulton, Henry, Lamar, Meriwether, Pike, Spalding, Troup, or Upson. Employees of more than 450 Select Employers Groups are also eligible to join, as are immediate family of a current member.
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 - YTD1.04%
Return on Equity - YTD14.71%
Annual Interest Income$17.1MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$527.5MM$543.2MM
LoansQ4 2023vs Q4 2022$224.2MM$215.2MM
DepositsQ4 2023vs Q4 2022$481.8MM$506MM
Equity CapitalQ4 2023vs Q4 2022$37.4MM$30.2MM
Loan Loss AllowanceQ4 2023vs Q4 2022$1.1MM$564K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$203K$108K
Real Estate OwnedQ4 2023vs Q4 2022$0$0

Rates for The Southern Credit Union are currently being reviewed.



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