|
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 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 3, 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 0.05%. 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 0.33%. Rates last updated and verified on 09/03/2026. 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 Auto Loan Rates
The Southern Credit Union Personal Loan Rates
Financial Health HistoryThe Southern Credit Union’s Texas Ratio stayed near 0.06% in Q2 2023 to 0.33% 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; the amber line marks the 15% level a credit union must stay under to qualify 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 Grade15% Verified Healthy threshold
Powered by
MonitorBankRates
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 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
80
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
0.33%
Return on Assets (ROA)
0.0888%
Return on Equity (ROE)
0.7800%
Non-Performing Loans Ratio (NPL)
0.10%
Total Assets
564,337,184
Total Amount of Shares and Deposits
502,872,136
Total Shares and Deposits < 1 Year
489,839,386
Total Shares and Deposits 1 3 Years
10,271,702
Total Shares and Deposits > 3 Years
2,761,048
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
32,865,475
Total Uninsured Shares and Deposits > $250K (F+J)
32,865,475
Total Insured Shares and Deposits > $250K (item 17 less item K)
470,006,661
Total Interest Expense (Sum of items 6 8)
996,764
Share Certificates
2,374
Number of Accounts for Share Drafts
17,833
IRA KEOGH Accounts
1,147
Number of Accounts for Regular Shares
32,526
All other shares
174
Money Market Shares
777
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)
28,011,805
Total Liabilities
510,105,175
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for The Southern Credit Union 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 The Southern Credit Union
Frequently Asked Questions About The Southern Credit UnionHow 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
Frontwave Credit Union
Healthcare Financial Federal Credit Union
AUB Employees Credit Union
Transit Workers Federal Credit Union
Saker Shop-Rite Federal Credit Union
Haynes Community Federal Credit Union
Inland Federal Credit Union
MyCom Federal Credit Union
PAGODA
Local 606 Electrical Workers Federal Credit Union
Priority One Credit Union
We Florida Financial Credit Union
RUTGERS
Fairmont Federal Credit Union
Sixth Avenue Baptist Federal Credit Union
Northwoods Community Credit Union
Vigo County Federal Credit Union
Louisiana Catholic Federal Credit Union
Stanwood Area Federal Credit Union
Intrepid Credit Union
Wichita Falls Teachers Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking