|
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.
 The Southern Credit Union Rates & Review April 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: April 19, 2026
The Southern Credit Union's 1-Year IRA CD rates are at 3.50%, 1-Year Term CD rates are at 3.50%, 182-Day Term CD rates are at 3.40%, 18-Month Term CD rates are at 3.25%, 2-Year IRA CD rates are at 3.15%. The Southern Credit Union's savings rates are at 0.00%. The Southern Credit Union's Personal Loan Rates are at 8.75%. MonitorBankRates evaluates the financial stability of The Southern Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.35%. Rates were last updated on 04/19/2026. The Southern 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 The Southern Credit Union? Share your experience about The Southern Credit Union by leaving a review below, or read customer reviews before you decide to use The Southern Credit Union. The Southern Credit Union
Fayetteville 430 Lanier Ave E
https://www.southernonline.org Fayetteville, GA 30214 
The Southern Credit Union CD Rates
The Southern Credit Union Savings Rates
The Southern Credit Union Money Market Rates
The Southern Credit Union Checking Rates
The Southern Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for The Southern 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 The Southern 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 The Southern Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
The Southern Credit Union
Website
https://www.southernonline.org
Address
430 Lanier Ave E,
Fayetteville, GA 30214
Phone
800-338-5882
Fax
770-460-3240
President
Morris Kelly
CEO
Ray Hull
Full-Time Employees
77
Part-Time Employees
0
Branch Locations
11
ATM Locations
11
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.35%
Return on Assets (ROA)
0.3958%
Return on Equity (ROE)
3.4368%
Non-Performing Loans Ratio (NPL)
0.10%
Total Assets
550,186,333
Total Amount of Shares and Deposits
488,023,294
Total Shares and Deposits < 1 Year
474,661,993
Total Shares and Deposits 1 3 Years
8,308,576
Total Shares and Deposits > 3 Years
5,052,724
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
25,322,555
Total Uninsured Shares and Deposits > $250K (F+J)
25,322,555
Total Insured Shares and Deposits > $250K (item 17 less item K)
462,700,739
Total Interest Expense (Sum of items 6 8)
3,103,950
Share Certificates
2,327
Number of Accounts for Share Drafts
18,146
IRA KEOGH Accounts
1,160
Number of Accounts for Regular Shares
32,746
All other shares
176
Money Market Shares
780
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
21,488,497
Total Liabilities
496,372,562
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About The Southern Credit UnionIs The Southern Credit Union a safe place to deposit money?Yes, The Southern Credit Union is considered a safe financial institution. With a Texas Ratio of 0.35306648435681%, 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 The Southern Credit Union operate?The Southern 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 The Southern Credit Union?Yes, to access services at The Southern 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, The Southern 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, The Southern Credit Union provides members with tools to manage their accounts and build a solid financial history. Does The Southern Credit Union offer online and mobile banking?Most modern institutions like The Southern 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://www.southernonline.org. Current The Southern Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
OE Local Union #3 FCU
My Georgia Credit Union
United Association Credit Union
Tyndall Federal Credit Union
Lutheran Federal Credit Union
Local 24 Employees Federal Credit Union
Community Credit Union
Genisys Credit Union
Arkansas Best Federal Credit Union
Harvester Financial Credit Union
Pipefitters Steamfitters Credit Union
Midland Credit Union
SHELL
Shreveport Police Federal Credit Union
S E A Credit Union
Gibbons and Reed Employees Federal Credit Union
Weatherhead Federal Credit Union
ETMA Federal Credit Union
Topeka Firemens Credit Union
Generations United Federal Credit Union
San Joaquin Power Employees Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
