What are the current interest rates at Southland Credit Union?

Current rates for Southland Credit Union include: 12-Month CD: 2.56%, 24-Month CD: 2.61%, 60-Month CD: 2.76%

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Southland Credit Union

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Southland Credit Union Rates & Review November 2026

Q: What CD terms does Southland Credit Union offer?

Southland Credit Union CD rates are 3.007% APY for a 12 month CD, 3.058% APY for a 2 year CD, 3.11% APY for a 3 year CD, 3.164% APY for a 4 year CD and 3.218% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Southland Credit Union for its full lineup.

Q: How many branches does Southland Credit Union operate?

Southland 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.

Q: Is a member application needed to join Southland Credit Union?

Yes, to access services at Southland 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.

Q: Is there a first-time homebuyer program?

Currently, Southland 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Southland Credit Union's 60 Month CD - Long Term rates are at 3.22%, 48 Month CD - Long Term rates are at 3.16%, 36 Month CD - Long Term rates are at 3.11%, 24 Month CD rates are at 3.06%, 12 Month CD rates are at 3.01%. Southland Credit Union's Personal Loan Rates are as low as 10.75%. Southland Credit Union's CD rates are 7% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Southland Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.96%. Rates last updated and verified on 10/30/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.96%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Southland Credit Union
Main Office

2601 S John Redditt Dr
Lufkin, TX 75904-5624

http://www.southlandfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Southland Credit Union CD Rates

Product	Rate	APY	Term
IRA Certificate 36 Month	3.75%	3.775%	36 Month
Min Balance $100,000 Details Balance: Starting at $100,000; Compounded and paid monthly; Rates effective as of August 1, 2023; Minimum $25,000 to invest in IRA Certificate; Early withdrawal penalty may be imposed Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.78% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
IRA Certificate 36 Month	3.65%	3.673%	36 Month
Min Balance $75,000 Details Balance: Starting at $75,000; Compounded and paid monthly; Rates effective as of August 1, 2023; Minimum $25,000 to invest in IRA Certificate; Early withdrawal penalty may be imposed Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.67% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
IRA Certificate 36 Month	3.50%	3.52%	36 Month
Min Balance $25,000 Details Balance: Starting at $25,000; Compounded and paid monthly; Rates effective as of August 1, 2023; Minimum $25,000 to invest in IRA Certificate; Early withdrawal penalty may be imposed Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.52% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
IRA Certificate 24 Month	3.45%	3.469%	24 Month
Min Balance $100,000 Details Balance: Starting at $100,000; Compounded and paid monthly; Rates effective as of August 1, 2023; Minimum $25,000 to invest in IRA Certificate; Early withdrawal penalty may be imposed Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.47% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
IRA Certificate 24 Month	3.40%	3.418%	24 Month
Min Balance $75,000 Details Balance: Starting at $75,000; Compounded and paid monthly; Rates effective as of August 1, 2023; Minimum $25,000 to invest in IRA Certificate; Early withdrawal penalty may be imposed Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.42% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
IRA Certificate 12 Month	3.35%	3.367%	12 Month
Min Balance $100,000 Details Balance: Starting at $100,000; Compounded and paid monthly; Rates effective as of August 1, 2023; Minimum $25,000 to invest in IRA Certificate; Early withdrawal penalty may be imposed Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.37% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
IRA Certificate 24 Month	3.35%	3.367%	24 Month
Min Balance $25,000 Details Balance: Starting at $25,000; Compounded and paid monthly; Rates effective as of August 1, 2023; Minimum $25,000 to invest in IRA Certificate; Early withdrawal penalty may be imposed Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.37% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
IRA Certificate 12 Month	3.25%	3.265%	12 Month
Min Balance $75,000 Details Balance: Starting at $75,000; Compounded and paid monthly; Rates effective as of August 1, 2023; Minimum $25,000 to invest in IRA Certificate; Early withdrawal penalty may be imposed Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
60 Month Share Certificate - Long Term	3.20%	3.218%	60 months
Min Balance $10,000 Details Balance: Starting at $10,000+; All certificates are compounded and paid monthly; Rates effective as of March 1, 2023; An early withdrawal penalty may be imposed Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.22% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
IRA Certificate 12 Month	3.20%	3.214%	12 Month
Min Balance $25,000 Details Balance: Starting at $25,000; Compounded and paid monthly; Rates effective as of August 1, 2023; Minimum $25,000 to invest in IRA Certificate; Early withdrawal penalty may be imposed Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.21% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
48 Month Share Certificate - Long Term	3.15%	3.164%	48 months
Min Balance $10,000 Details Balance: Starting at $10,000+; All certificates are compounded and paid monthly; Rates effective as of March 1, 2023; An early withdrawal penalty may be imposed Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.16% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
36 Month Share Certificate - Long Term	3.10%	3.11%	36 months
Min Balance $10,000 Details Balance: Starting at $10,000+; All certificates are compounded and paid monthly; Rates effective as of March 1, 2023; An early withdrawal penalty may be imposed Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.11% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
24 Month Share Certificate	3.05%	3.058%	24 Month
Min Balance $10,000 Details Balance: Starting at $10,000+; Share Certificate Rates - Short Term; Rates effective as of March 1, 2023 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
12 Month Share Certificate	3.00%	3.007%	12 Month
Min Balance $10,000 Details Balance: Starting at $10,000+; Share Certificate Rates - Short Term; Rates effective as of March 1, 2023 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
6 Month Share Certificate	2.95%	2.957%	6 Month
Min Balance $10,000 Details Balance: Starting at $10,000+; Share Certificate Rates - Short Term; Rates effective as of March 1, 2023 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.96% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
60 Month Share Certificate - Long Term	2.75%	2.76%	60 months
Min Balance $5,000 Details Balance: Starting at $5,000; All certificates are compounded and paid monthly; Rates effective as of March 1, 2023; An early withdrawal penalty may be imposed Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
48 Month Share Certificate - Long Term	2.70%	2.708%	48 months
Min Balance $5,000 Details Balance: Starting at $5,000; All certificates are compounded and paid monthly; Rates effective as of March 1, 2023; An early withdrawal penalty may be imposed Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
36 Month Share Certificate - Long Term	2.65%	2.657%	36 months
Min Balance $5,000 Details Balance: Starting at $5,000; All certificates are compounded and paid monthly; Rates effective as of March 1, 2023; An early withdrawal penalty may be imposed Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
24 Month Share Certificate	2.60%	2.607%	24 Month
Min Balance $5,000 Details Balance: Starting at $5,000; Share Certificate Rates - Short Term; Rates effective as of March 1, 2023 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
12 Month Share Certificate	2.55%	2.556%	12 Month
Min Balance $5,000 Details Balance: Starting at $5,000; Share Certificate Rates - Short Term; Rates effective as of March 1, 2023 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
6 Month Share Certificate	2.50%	2.506%	6 Month
Min Balance $5,000 Details Balance: Starting at $5,000; Share Certificate Rates - Short Term; Rates effective as of March 1, 2023 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

Southland Credit Union Savings Rates

Product	Rate	APY
Shares	0.90%	0.90%
Min Deposit $30 Min Balance $75,000 Details Balance: $75,000.00 - $99,999.99; Minimum to open a share account is $30.00; $25.00 deposit and $5.00 membership processing fee; Must maintain a minimum daily balance of $100.00 or more to earn a dividend; Dividends compounded monthly and paid quarterly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Shares	0.90%	0.90%
Min Deposit $30 Min Balance $100,000 Details Balance: $100,000.00 and up; Minimum to open a share account is $30.00; $25.00 deposit and $5.00 membership processing fee; Must maintain a minimum daily balance of $100.00 or more to earn a dividend; Dividends compounded monthly and paid quarterly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Shares	0.75%	0.75%
Min Deposit $30 Min Balance $50,000 Details Balance: $50,000.00 - $74,999.99; Minimum to open a share account is $30.00; $25.00 deposit and $5.00 membership processing fee; Must maintain a minimum daily balance of $100.00 or more to earn a dividend; Dividends compounded monthly and paid quarterly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Shares	0.70%	0.70%
Min Deposit $30 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Minimum to open a share account is $30.00; $25.00 deposit and $5.00 membership processing fee; Must maintain a minimum daily balance of $100.00 or more to earn a dividend; Dividends compounded monthly and paid quarterly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Shares	0.70%	0.70%
Min Deposit $30 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Minimum to open a share account is $30.00; $25.00 deposit and $5.00 membership processing fee; Must maintain a minimum daily balance of $100.00 or more to earn a dividend; Dividends compounded monthly and paid quarterly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Shares	0.65%	0.65%
Min Deposit $30 Min Balance $100 Details Balance: $100.01 - $9,999.99; Minimum to open a share account is $30.00; $25.00 deposit and $5.00 membership processing fee; Must maintain a minimum daily balance of $100.00 or more to earn a dividend; Dividends compounded monthly and paid quarterly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

Southland Credit Union Checking Rates

Product	Rate	APY	View More
Checking	0.00%	0.00%
Min Deposit $100 Details No minimum balance required to keep the checking account open; No Dividend paid on checking Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

Southland Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Vehicle Loan	-	-	4.50%
Details As Low As; Homepage featured rate ("Vehicle Loan Rates as low as 4.50%") Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

Southland Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	10.75%	1 - 23 months
Details Tier 1: credit score >700; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 10.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	11.25%	24 - 35 months
Details Tier 1: credit score >700; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 11.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	11.75%	36 - 47 months
Details Tier 1: credit score >700; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 11.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	11.75%	1 - 23 months
Details Tier 2: credit score 670 - 699; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 11.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	12.25%	48 - 59 months
Details Tier 1: credit score >700; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 12.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	12.25%	24 - 35 months
Details Tier 2: credit score 670 - 699; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 12.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	12.75%	36 - 47 months
Details Tier 2: credit score 670 - 699; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 12.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	12.75%	60 - 72 months
Details Tier 1: credit score >700; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 12.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	13.00%	1 - 23 months
Details Tier 3: credit score 640 - 669; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 13.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	13.25%	48 - 59 months
Details Tier 2: credit score 670 - 699; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 13.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	13.50%	24 - 35 months
Details Tier 3: credit score 640 - 669; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 13.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	13.75%	36 - 47 months
Details Tier 3: credit score 640 - 669; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 13.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	13.75%	60 - 72 months
Details Tier 2: credit score 670 - 699; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 13.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	14.25%	1 - 23 months
Details Tier 4: credit score 600 - 639; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 14.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	14.50%	48 - 59 months
Details Tier 3: credit score 640 - 669; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 14.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	14.75%	24 - 35 months
Details Tier 4: credit score 600 - 639; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 14.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	15.00%	60 - 72 months
Details Tier 3: credit score 640 - 669; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 15.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	15.25%	36 - 47 months
Details Tier 4: credit score 600 - 639; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 15.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	15.75%	48 - 59 months
Details Tier 4: credit score 600 - 639; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 15.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	16.25%	60 - 72 months
Details Tier 4: credit score 600 - 639; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 16.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	17.25%	36 - 47 months
Details Tier 5: credit score 550 - 599; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 17.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	17.25%	48 - 59 months
Details Tier 5: credit score 550 - 599; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 17.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	17.25%	1 - 23 months
Details Tier 5: credit score 550 - 599; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 17.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	17.25%	24 - 35 months
Details Tier 5: credit score 550 - 599; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 17.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	17.50%	36 - 47 months
Details Tier 6: credit score 500 - 549; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 17.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	17.50%	48 - 59 months
Details Tier 6: credit score 500 - 549; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 17.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	17.50%	1 - 23 months
Details Tier 6: credit score 500 - 549; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 17.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	17.50%	24 - 35 months
Details Tier 6: credit score 500 - 549; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 17.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	17.75%	36 - 47 months
Details Tier 7: credit score <499; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 17.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	17.75%	1 - 23 months
Details Tier 7: credit score <499; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 17.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Signature Loan	17.75%	24 - 35 months
Details Tier 7: credit score <499; Signature Loans effective September 1, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 17.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

Southland Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
New & Used Collateral Loan	-	-	5.25%	1 - 47 months
Details Credit Score Tier: >700; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	6.75%	1 - 47 months
Details Credit Score Tier: 670 - 699; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	9.75%	1 - 47 months
Details Credit Score Tier: 640 - 669; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	12.50%	1 - 47 months
Details Credit Score Tier: 600 - 639; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 12.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	15.50%	1 - 47 months
Details Credit Score Tier: 550 - 599; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 15.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	16.50%	1 - 47 months
Details Credit Score Tier: 500 - 549; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 16.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	17.50%	1 - 47 months
Details Credit Score Tier: <499; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 17.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	5.25%	48 - 59 months
Details Credit Score Tier: >700; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	6.75%	48 - 59 months
Details Credit Score Tier: 670 - 699; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	9.75%	48 - 59 months
Details Credit Score Tier: 640 - 669; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	12.50%	48 - 59 months
Details Credit Score Tier: 600 - 639; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 12.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	15.50%	48 - 59 months
Details Credit Score Tier: 550 - 599; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 15.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	16.50%	48 - 59 months
Details Credit Score Tier: 500 - 549; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 16.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	17.50%	48 - 59 months
Details Credit Score Tier: <499; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 17.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	5.25%	60 - 71 months
Details Credit Score Tier: >700; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	6.75%	60 - 71 months
Details Credit Score Tier: 670 - 699; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	9.75%	60 - 71 months
Details Credit Score Tier: 640 - 669; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	12.50%	60 - 71 months
Details Credit Score Tier: 600 - 639; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 12.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	15.50%	60 - 71 months
Details Credit Score Tier: 550 - 599; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 15.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	16.50%	60 - 71 months
Details Credit Score Tier: 500 - 549; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 16.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	17.50%	60 - 71 months
Details Credit Score Tier: <499; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 17.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	6.75%	72 - 83 months
Details Credit Score Tier: >700; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	8.25%	72 - 83 months
Details Credit Score Tier: 670 - 699; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	11.25%	72 - 83 months
Details Credit Score Tier: 640 - 669; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 11.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	14.00%	72 - 83 months
Details Credit Score Tier: 600 - 639; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 14.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	7.75%	84 - 96 months
Details Credit Score Tier: >700; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
New & Used Collateral Loan	-	-	9.25%	84 - 96 months
Details Credit Score Tier: 670 - 699; Subject to max 0.75% it pays to be a member discount Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	9.50%	1 - 47 months
Details Credit Tier: Tier 1 (>700); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	10.00%	1 - 47 months
Details Credit Tier: Tier 2 (670 - 699); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	12.00%	1 - 47 months
Details Credit Tier: Tier 3 (640 - 669); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 12.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	14.25%	1 - 47 months
Details Credit Tier: Tier 4 (600 -639); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 14.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	16.00%	1 - 47 months
Details Credit Tier: Tier 5 (550 - 599); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 16.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	17.00%	1 - 47 months
Details Credit Tier: Tier 6 (500 - 549); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 17.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	17.50%	1 - 47 months
Details Credit Tier: Tier 7 (<499); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 17.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	9.50%	48 - 59 months
Details Credit Tier: Tier 1 (>700); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	10.00%	48 - 59 months
Details Credit Tier: Tier 2 (670 - 699); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	12.00%	48 - 59 months
Details Credit Tier: Tier 3 (640 - 669); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 12.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	14.25%	48 - 59 months
Details Credit Tier: Tier 4 (600 -639); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 14.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	16.00%	48 - 59 months
Details Credit Tier: Tier 5 (550 - 599); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 16.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	17.00%	48 - 59 months
Details Credit Tier: Tier 6 (500 - 549); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 17.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	17.50%	48 - 59 months
Details Credit Tier: Tier 7 (<499); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 17.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	10.50%	60 - 71 months
Details Credit Tier: Tier 1 (>700); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	11.00%	60 - 71 months
Details Credit Tier: Tier 2 (670 - 699); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 11.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	13.00%	60 - 71 months
Details Credit Tier: Tier 3 (640 - 669); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 13.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	15.25%	60 - 71 months
Details Credit Tier: Tier 4 (600 -639); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 15.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	10.50%	72 - 84 months
Details Credit Tier: Tier 1 (>700); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	11.00%	72 - 84 months
Details Credit Tier: Tier 2 (670 - 699); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 11.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	13.00%	72 - 84 months
Details Credit Tier: Tier 3 (640 - 669); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 13.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Other Collateral Loans	-	-	15.25%	72 - 84 months
Details Credit Tier: Tier 4 (600 -639); Subject to maximum discount of 0.75% under 'it pays to be a member' program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 15.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
IRA (Individual Retirement Account)	0.90%	-	0.901%
Min Deposit $25 Details All IRA share dividends are compounded and paid quarterly; $25.00 deposit to open; Must maintain at least $100.00 average daily balance to earn a dividend on regular shares and/or IRA accounts Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

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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Financial Health History

Southland Credit Union’s Texas Ratio stayed near 1.72% in Q3 2023 to 1.96% in Q2 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$89M	1.96%	5.0	A+
March 31, 2026	$88M	1.75%	5.0	A+
December 31, 2025	$86M	1.75%	5.0	A+
September 30, 2025	$86M	2.40%	5.0	A+
June 30, 2025	$85M	1.90%	5.0	A+
March 31, 2025	$84M	1.59%	5.0	A+
December 31, 2024	$80M	1.24%	5.0	A+
September 30, 2024	$78M	2.33%	5.0	A+
June 30, 2024	$79M	1.94%	5.0	A+
March 31, 2024	$76M	2.03%	5.0	A+
December 31, 2023	$73M	1.79%	5.0	A+
September 30, 2023	$73M	1.72%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Southland 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 Southland 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 Southland Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Southland Credit Union

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 16

Part-Time Employees 1

Branch Locations 2

ATM Locations 2

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

1.96%

Return on Assets (ROA)

0.5160%

Return on Equity (ROE)

3.5815%

Non-Performing Loans Ratio (NPL)

0.62%

Total Assets

89,177,689

Total Amount of Shares and Deposits

75,961,752

Total Shares and Deposits < 1 Year

70,475,563

Total Shares and Deposits 1 3 Years

4,261,926

Total Shares and Deposits > 3 Years

1,224,262

Total Insured Shares and Deposits > $250K (item 17 less item K)

75,961,752

Total Interest Expense (Sum of items 6 8)

913,170

Share Certificates

442

Number of Accounts for Share Drafts

3,736

IRA KEOGH Accounts

144

Number of Accounts for Regular Shares

8,599

Non Member Deposits

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)

5,170,450

Total Liabilities

76,841,660

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Southland Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Southland Credit Union

Does Southland Credit Union offer CDs?

Yes. Southland Credit Union current CD rates include its 60 Month CD - Long Term at 3.218% APY, its 48 Month CD - Long Term at 3.164% APY and its 36 Month CD - Long Term at 3.11% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Southland Credit Union NCUA insured?

Yes. Southland Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Southland Credit Union?

The highest Southland Credit Union CD rate is its IRA CD 36 Month at 3.775% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Southland Credit Union offer?

Southland Credit Union CD rates are 3.007% APY for a 12 month CD, 3.058% APY for a 2 year CD, 3.11% APY for a 3 year CD, 3.164% APY for a 4 year CD and 3.218% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Southland Credit Union for its full lineup.

What is the lowest auto loan rate at Southland Credit Union?

The lowest Southland Credit Union auto loan rate is its Vehicle Loan at 4.50% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Southland Credit Union?

The lowest Southland Credit Union personal loan rate is its Signature Loan at 10.75% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Southland Credit Union operate?

Southland 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 Southland Credit Union?

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

Does Southland Credit Union offer online and mobile banking?

Most modern institutions like Southland 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: http://www.southlandfcu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Southland Credit Union rates compare?

Southland Credit Union's CD rates are 7% higher than the MonitorBankRates national average, and it has an A+ health rating. Southland Credit Union's top rates are its IRA CD 36 Month at 3.775% APY and its Signature Loan at 10.75% APR, verified by MonitorBankRates on October 30, 2026.

Current Southland Credit Union Rates

12-Month CD2.56%
24-Month CD2.61%
60-Month CD2.76%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Southland Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Southland Credit Union Texas Ratio

Southland Credit Union Health Trend

Southland Credit Union CD Rates

Southland Credit Union Savings Rates

Southland Credit Union Checking Rates

Southland Credit Union Auto Loan Rates

Southland Credit Union Personal Loan Rates

Southland Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Southland Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Southland Credit Union

Does Southland Credit Union offer CDs?

Are CDs from Southland Credit Union NCUA insured?

What is the highest CD rate at Southland Credit Union?

What CD terms does Southland Credit Union offer?

What is the lowest auto loan rate at Southland Credit Union?

What is the lowest personal loan rate at Southland Credit Union?

How many branches does Southland Credit Union operate?

Is a member application needed to join Southland Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Southland Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Southland Credit Union rates compare?

Current Southland Credit Union Rates

Compare to Other Credit Unions