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SOUTH SHOP Rates & Review April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| iEditorial Disclosure
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: April 16, 2026

You can compare SOUTH SHOP rates to other rates in our database, including 12-month share certificate rates currently at 0.50%, 6-month share certificate rates at 3.98% and 3-month share certificate rates at 0.10%. Savings rates are at 3.95% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 5.49%. All these rates can be compared to SOUTH SHOP rates. MonitorBankRates evaluates the financial stability of SOUTH SHOP with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.09%. Rates were last updated on 04/16/2026.

SOUTH SHOP 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 SHOP? Share your experience about SOUTH SHOP by leaving a review below, or read customer reviews before you decide to use SOUTH SHOP.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.09%
Excellent Lower than avg
First National Bank of Brooksville
SOUTH SHOP FCU
3737 W 127TH ST
ALSIP, IL 60803
http://www.southshopfcu.org
Member NCUA

SOUTH SHOP Credit Card Rates

Product Rate APR View More
Visa Card - 11.88%
Details No annual fees
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.80%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for SOUTH SHOP 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 SHOP 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 SHOP's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SOUTH SHOP
Website http://www.southshopfcu.org
Address 3737 W 127TH ST, ALSIP, IL 60803
Phone 708-925-9500
Fax 773-873-8334
President Marcelo Rosa Jr
CEO Brittani Lis
Full-Time Employees 2
Part-Time Employees 3
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.09%
Return on Assets (ROA)
0.7773%
Return on Equity (ROE)
3.7082%
Non-Performing Loans Ratio (NPL)
1.11%
Total Assets
11,517,016
Total Amount of Shares and Deposits
9,002,556
Total Shares and Deposits < 1 Year
9,002,556
Total Insured Shares and Deposits > $250K (item 17 less item K)
9,002,556
Total Interest Expense (Sum of items 6 8)
50,710
Number of Accounts for Regular Shares
1,252
Net Income (unless the amount is already included in Undivided Earnings)
89,522
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
995,101
Total Liabilities
9,102,854
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for SOUTH SHOP yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for SOUTH SHOP
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Frequently Asked Questions About SOUTH SHOP

Is SOUTH SHOP a safe place to deposit money?

Yes, SOUTH SHOP is considered a safe financial institution. With a Texas Ratio of 2.0907461885325%, 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 SHOP operate?

SOUTH SHOP 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 SHOP?

Yes, to access services at SOUTH SHOP, 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 SHOP 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 SHOP provides members with tools to manage their accounts and build a solid financial history.

Does SOUTH SHOP offer online and mobile banking?

Most modern institutions like SOUTH SHOP 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: http://www.southshopfcu.org.

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