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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.
SOUTHLAND 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.
Read Full Bio →
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 24, 2026
SOUTHLAND's 60 Month CD rates are at 3.22%, 48 Month CD rates are at 3.16%, 36 Month CD rates are at 3.11%, 60 Month CD rates are at 2.76%, 48 Month CD rates are at 2.71%. MonitorBankRates evaluates the financial stability of SOUTHLAND with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.47%. Rates were last updated on 03/24/2026. SOUTHLAND 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 SOUTHLAND? Share your experience about SOUTHLAND by leaving a review below, or read customer reviews before you decide to use SOUTHLAND. Central Bank & Trust Company
Main Office 2601 S John Redditt Dr
http://www.southlandfcu.com Lufkin, TX 75904 5624 
SOUTHLAND CD Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for SOUTHLAND 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 SOUTHLAND 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 SOUTHLAND's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
SOUTHLAND
Website
http://www.southlandfcu.com
Address
2601 S John Redditt Dr,
Lufkin, TX 75904 5624
Phone
936-639-2311
Fax
936-639-9854
President
Tommy Edmonson
CEO
Kathy Harvey
Full-Time Employees
13
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
2.47%
Return on Assets (ROA)
0.9713%
Return on Equity (ROE)
6.8380%
Non-Performing Loans Ratio (NPL)
0.72%
Total Assets
85,693,311
Total Amount of Shares and Deposits
73,033,606
Total Shares and Deposits < 1 Year
69,024,859
Total Shares and Deposits 1 3 Years
2,930,169
Total Shares and Deposits > 3 Years
1,078,578
Total Insured Shares and Deposits > $250K (item 17 less item K)
73,033,606
Total Interest Expense (Sum of items 6 8)
1,384,598
Share Certificates
428
Number of Accounts for Share Drafts
3,606
IRA KEOGH Accounts
138
Number of Accounts for Regular Shares
8,394
Non Member Deposits
1
Net Income (unless the amount is already included in Undivided Earnings)
832,297
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,556,090
Total Liabilities
73,960,826
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About SOUTHLANDIs SOUTHLAND a safe place to deposit money?Yes, SOUTHLAND is considered a safe financial institution. With a Texas Ratio of 2.4651285034684%, 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 SOUTHLAND operate?SOUTHLAND 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 SOUTHLAND?Yes, to access services at SOUTHLAND, 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, SOUTHLAND 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, SOUTHLAND provides members with tools to manage their accounts and build a solid financial history. Does SOUTHLAND offer online and mobile banking?Most modern institutions like SOUTHLAND 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.southlandfcu.com. Current SOUTHLAND Rates
Retrieved from our database of financial products. Rates subject to change.
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