Franklin, TN 37064
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.95% →
1-Year CD 0.60% 1.01% →
2-Year CD 0.75% 0.95% →
5-Year CD 1.00% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Southeast Financial is an NCUA insured institution located in Franklin, TN. It was founded in 1936 and has approximately $386.8 millions in assets.

Who can join?

Join by Employer
If you are an employee of one of our Select Employee Groups (SEGs), you can apply for membership.

Join by Community
Call Member Services at 615.743.3700 or 800.521.9653 to see if the community where you live, work, worship, attend school or volunteer is eligible for Southeast Financial membership.

Join the ASMT
Call Member Services at 615.743.3700 or 800.521.9653 and make a $5.00 donation to the Autism Society of Middle Tennessee to automatically qualify for Southeast Financial membership.

NCUA Insured Yes
Charter Number # # 68599
Date Established 1936
Assets $386.80 million
Loans $294.00 million
Deposits $354.57 million
Capital $30.87 million

Field of Membership Restrictions

Membership is open to anyone through a $5 donation to Autism Tennessee (can be done through the credit union). Membership is also open to employees of the Select Employer Groups.

Deposit Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.10% $10,000 $14,999 Learn More
3 Mo CD
0.10% $100,000 $199,999 Learn More
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.60% $10,000 $14,999 Learn More
12 Mo CD
0.60% $100,000 $199,999 Learn More
18 Mo CD
0.70% $10,000 $14,999 Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
30 Mo CD
0.80% $10,000 $14,999 Learn More
30 Mo CD
0.80% $100,000 $199,999 Learn More
36 Mo CD
0.90% $10,000 $14,999 Learn More
36 Mo CD
0.90% $100,000 $199,999 Learn More
48 Mo CD
0.95% $10,000 $14,999 Learn More
48 Mo CD
0.95% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.10% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SOUTHEAST FINANCIAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.669% 2.625% 0.63 $1,450 $1,005 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

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Below are Southeast Financial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Southeast Financial Locations

Financial Details

Southeast Financial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Southeast Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Southeast Financial U.S. Average
12.88% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Southeast Financial had $3,974,733 in non-current loans and $343,961 in owned assets. To cover these potential losses it had $30,869,605 in net worth and $2,654,963 in loans loss reserves. That gives it a Texas Ratio of 12.88%.

Net Worth
Southeast Financial U.S. Average
7.98% 13.61%

Southeast Financial FCU has a net worth of 7.98% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Southeast Financial

Branches and Savings

What is Southeast Financial?

A federal credit union, registered with the NCUA under certificate #68599.
Learn more about credit unions here.

Is Southeast Financial FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Southeast Financial?

Please see Field of Membership information above for information on who is eligible to join.

What are Southeast Financial's share account and share certificate rates?

Southeast Financial's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Southeast Financial?

Southeast Financial has total capital of $30.87 million. Full information on Southeast Financial's financial position is located above.

Who owns Southeast Financial?

Credit Unions are owned by their members.

Where are Southeast Financial branches located?

See branch locations nearby.

Are Southeast Financial ATMs Open 24/7?

Do Southeast Financial ATMs accept cash deposits?

Can Southeast Financial customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Southeast Financial have a mobile app?

Does Southeast Financial have mobile deposit?

Does Southeast Financial have quick pay?

How can Southeast Financial transfer money to other banks or credit unions?

Does Southeast Financial report to credit bureaus?

Does Southeast Financial use Chexsystems?

Does Southeast Financial use Equifax?

What is Southeast Financial's toll free phone number?

What is Southeast Financial's ACH Routing Number?

What is Southeast Financial's SWIFT code?

Where can I find Southeast Financial's wire transfer form?

What is the Southeast Financial address for deposits?

What Products Does Southeast Financial Offer

Does Southeast Financial offer mortgages?

Compare mortgage rates here.

Does Southeast Financial offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Southeast Financial offer auto and RV loans?

Compare auto loan rates here.

Does Southeast Financial offer student loans or personal loans?

Compare personal loan rates here.

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