The Southern Credit Union

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A short history of The Southern CU

Since its inception in 1963 the The Southern Credit Union has been serving its members in the FAYETTEVILLE, Georgia area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Ray Hull, the The Southern CU has grown its membership to over 32,526 with assets of more than $382,061,581. They have a main office and 11 branch offices. Please see the credit unions website or contact them by phone at (800) 338-5882 to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in FAYETTEVILLE, GA.

General Information For The Southern CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 68638
Address PO BOX 1509 
State Georgia 
Zip-Code 30214
Phone Number (800) 338-5882
Fax Number (770) 460-3240
Email Address: ----
CEO/President Ray Hull
Members 32,526 
Full-Time Employees 83 
Part-Time Employees
Number of Branch Offices 11 
Total Assets 382,061,581 

Compare The Southern Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Family First CU Fiserv CUnify 2091 Springdale Rd 08003 (800) 841-5421 No 12.70
Atlanta Postal CU Tradeport 600 3916 Tradeport Blvd 30354 (404) 768-4126 No 12.71
Delta Community CU Atlanta (Hartsfield-Jackson Int'l Airport) 6000 N Terminal Pkwy 30354 (404) 715-4725 No 12.75
Atlanta CU ATLANTA FEDERAL CU 3075 SYLVAN RD 30354 (404) 559-8833 No 13.66
Fort Mcpherson CU FMCU-MAIN BRANCH 1732 WALKER AVE SW 30310 (404) 753-4592 No 15.88

The Southern Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

The Southern Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.25 2.75 3.00 3.50 5.50
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 178 115 92 72 289
Rank Among All Georgia Credit Unions 10 20 15 4 26

The Southern Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.10 0.20 0.50 0.35
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 129 114 263 250
Rank Among All Georgia Credit Unions 12 27 18 31 29
The Southern Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.2505,43511,471,197
All Other Unsecured Loans/Lines of Credit 10.0002,76710,701,419
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.7501,62537,833,238
Used Vehicle Loans 3.0003,47039,697,627
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.50021731,613,429
Total Other Real Estate Loans/Lines of Credit 5.50046510,131,651
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.00092412,420,967
TOTAL LOANS & LEASES 14,903153,869,528

The Southern Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 232,252,34500
    b. 15 Years or less 15114,786,565161,665,850
    a. > 15 years 3917,4113925,558
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 4013,657,108134,316,850


Closed-End Fixed Rate 1093,217,61818895,900
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 3566,914,033352,010,800
Open-End Fixed Rate 0000
TOTALS 68241,745,080859,814,958


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

The Southern Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes