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Advertiser Disclosure
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 South Central Credit Union Rates & Review September 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 and Verified: September 22, 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%. South Central Credit Union's Personal Loan Rates are as low as 8.99%. 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 1.93%. Rates last updated and verified on 09/22/2026. 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 Auto Loan Rates
South Central Credit Union Personal Loan Rates
South Central Credit Union Other Rates
Financial Health HistorySouth Central Credit Union’s Texas Ratio stayed near 1.76% in Q2 2023 to 1.93% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
1.93%
Return on Assets (ROA)
0.0645%
Return on Equity (ROE)
0.4508%
Non-Performing Loans Ratio (NPL)
0.61%
Total Assets
84,853,297
Total Amount of Shares and Deposits
72,541,495
Total Shares and Deposits < 1 Year
69,847,678
Total Shares and Deposits 1 3 Years
1,668,101
Total Shares and Deposits > 3 Years
1,025,718
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,337,750
Total Uninsured Shares and Deposits > $250K (F+J)
3,337,750
Total Insured Shares and Deposits > $250K (item 17 less item K)
69,203,745
Total Interest Expense (Sum of items 6 8)
112,828
Share Certificates
128
Number of Accounts for Share Drafts
3,612
IRA KEOGH Accounts
146
Number of Accounts for Regular Shares
7,469
All other shares
221
Money Market Shares
424
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,741,467
Total Liabilities
72,852,808
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About South Central Credit UnionHow 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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