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Advertiser Disclosure
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SOUTHLAND 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.
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 and Verified: September 12, 2026
SOUTHLAND's 36 Month CD rates are at 3.77%, 36 Month CD rates are at 3.67%, 36 Month CD rates are at 3.52%, 24 Month CD rates are at 3.47%, 24 Month CD rates are at 3.42%. SOUTHLAND's Personal Loan Rates are as low as 9.50%. MonitorBankRates evaluates the financial stability of SOUTHLAND with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.75%. Rates last updated and verified on 09/12/2026. 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. 
SOUTHLAND CD Rates
SOUTHLAND Auto Loan Rates
SOUTHLAND Personal Loan Rates
Financial Health HistorySOUTHLAND’s Texas Ratio stayed near 2.03% in Q2 2023 to 1.75% 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 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
17
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
1.75%
Return on Assets (ROA)
0.2185%
Return on Equity (ROE)
1.5246%
Non-Performing Loans Ratio (NPL)
0.57%
Total Assets
87,786,950
Total Amount of Shares and Deposits
74,854,248
Total Shares and Deposits < 1 Year
69,056,062
Total Shares and Deposits 1 3 Years
4,294,401
Total Shares and Deposits > 3 Years
1,503,786
Total Insured Shares and Deposits > $250K (item 17 less item K)
74,854,248
Total Interest Expense (Sum of items 6 8)
454,024
Share Certificates
436
Number of Accounts for Share Drafts
3,691
IRA KEOGH Accounts
139
Number of Accounts for Regular Shares
8,521
Non Member Deposits
1
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)
7,760,769
Total Liabilities
75,725,993
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for SOUTHLAND yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for SOUTHLAND
Frequently Asked Questions About SOUTHLANDHow 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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