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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 South Central Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
South Central Credit Union's 5 Year CD Gold rates are at 2.58%, 4 Year CD Gold rates are at 2.48%, 3 Year CD Gold rates are at 2.38%, 2 Year CD Gold rates are at 2.27%, 1 Year CD Gold rates are at 2.02%. South Central Credit Union's money market rates are at 0.15%. MonitorBankRates evaluates the financial stability of South Central Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.65%. Rates were last updated on 03/28/2026. South Central Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at South Central Credit Union? Share your experience about South Central Credit Union by leaving a review below, or read customer reviews before you decide to use South Central Credit Union. South Central Credit Union
South Central Credit Union 958 W Monroe St
https://southcentralcu.org Jackson, MI 49202 2036 
South Central Credit Union CD Rates
South Central Credit Union Savings Rates
South Central Credit Union Money Market Rates
South Central Credit Union Checking Rates
South Central Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for South Central Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather South Central Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with South Central Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
South Central Credit Union
Website
https://southcentralcu.org
Address
958 W Monroe St,
Jackson, MI 49202 2036
Phone
517-787-2220
Fax
517-787-7082
President
Judith Landau
CEO
Eric Samon
Full-Time Employees
19
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.65%
Return on Assets (ROA)
0.2739%
Return on Equity (ROE)
1.9097%
Non-Performing Loans Ratio (NPL)
0.51%
Total Assets
84,651,615
Total Amount of Shares and Deposits
72,391,694
Total Shares and Deposits < 1 Year
71,013,130
Total Shares and Deposits 1 3 Years
268,569
Total Shares and Deposits > 3 Years
1,109,995
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,848,211
Total Uninsured Shares and Deposits > $250K (F+J)
3,848,211
Total Insured Shares and Deposits > $250K (item 17 less item K)
68,543,483
Total Interest Expense (Sum of items 6 8)
344,634
Share Certificates
134
Number of Accounts for Share Drafts
3,634
IRA KEOGH Accounts
155
Number of Accounts for Regular Shares
7,462
All other shares
232
Money Market Shares
426
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
10,646,817
Total Liabilities
72,655,495
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About South Central Credit UnionIs South Central Credit Union a safe place to deposit money?Yes, South Central Credit Union is considered a safe financial institution. With a Texas Ratio of 1.6512323858265%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does South Central Credit Union operate?South Central Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join South Central Credit Union?Yes, to access services at South Central Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, South Central Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, South Central Credit Union provides members with tools to manage their accounts and build a solid financial history. Does South Central Credit Union offer online and mobile banking?Most modern institutions like South Central Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://southcentralcu.org. Current South Central Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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