P.O. Box 3490
Chattanooga, TN 37404
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 1.40% →
1-Year CD 0.50% 1.15% →
2-Year CD 0.60% 1.26% →
5-Year CD 1.01% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Southern is an NCUA insured institution located in Chattanooga, TN. It was founded in 1933 and has approximately $20.79 millions in assets.

NCUA Insured Yes
Charter Number # # 66980
Date Established 1933
Assets $20.79 million
Loans $10.63 million
Deposits $17.85 million
Capital $2.93 million

Deposit Rates - July 4, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.15% $5 - Learn More
Money Market
0.30% $5 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $500 - Learn More
12 Mo CD
0.50% $500 - Learn More
18 Mo CD
0.55% $500 - Learn More
24 Mo CD
0.60% $500 - Learn More
30 Mo CD
0.60% $500 - Learn More
36 Mo CD
0.80% $500 - Learn More
48 Mo CD
1.01% $500 - Learn More
60 Mo CD
1.01% $500 - Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $5 - Learn MoreShow Less

Loan Rates - July 4, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SOUTHERN

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Southern 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:

Southern Locations

Financial Details

Southern Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Southern. 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
Southern U.S. Average
5.77% 5.92

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 September 30, 2019, Southern had $146,849 in non-current loans and $30,612 in owned assets. To cover these potential losses it had $2,929,186 in net worth and $144,105 in loans loss reserves. That gives it a Texas Ratio of 5.77%.

Net Worth
Southern U.S. Average
14.09% 13.86%

Southern FCU has a net worth of 14.09% versus the BestCashCow average of 13.86. 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 Southern

Branches and Savings

What is Southern?

A federal credit union, registered with the NCUA under certificate #66980.
Learn more about credit unions here.

Is Southern 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 Southern?

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

What are Southern's share account and share certificate rates?

Southern'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 Southern?

Southern has total capital of $2.93 million. Full information on Southern's financial position is located above.

Who owns Southern?

Credit Unions are owned by their members.

Where are Southern branches located?

See branch locations nearby.

Are Southern ATMs Open 24/7?

Do Southern ATMs accept cash deposits?

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

Does Southern have a mobile app?

Does Southern have mobile deposit?

Does Southern have quick pay?

How can Southern transfer money to other banks or credit unions?

Does Southern report to credit bureaus?

Does Southern use Chexsystems?

Does Southern use Equifax?

What is Southern's toll free phone number?

What is Southern's ACH Routing Number?

What is Southern's SWIFT code?

Where can I find Southern's wire transfer form?

What is the Southern address for deposits?

What Products Does Southern Offer

Does Southern offer mortgages?

Compare mortgage rates here.

Does Southern offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Southern offer auto and RV loans?

Compare auto loan rates here.

Does Southern offer student loans or personal loans?

Compare personal loan rates here.

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