P.O. Box 503
Biloxi, MS 39533
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.62% →
1-Year CD N.A. 1.55% →
2-Year CD N.A. 1.45% →
5-Year CD N.A. 1.66% →
30-Year Mortgage N.A. 3.08% →
15-Year Mortgage N.A. 2.65% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Southern Coastal is an NCUA insured institution located in Biloxi, MS. It was founded in 1973 and has approximately $10.35 millions in assets.

NCUA Insured Yes
Charter Number # # 24885
Date Established 1973
Assets $10.35 million
Loans $7.72 million
Deposits $8.30 million
Capital $2.00 million

Deposit Rates - May 28, 2020

Your Current Location: Virginia, VA 20146

We do not yet have rates for Southern Coastal

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Loan Rates - May 28, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SOUTHERN COASTAL

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
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
Rocket Mortgage
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
NMLS ID: 2890
License#: MC-3098
2.952% 2.875% 1.00 $2,485 $1,038 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
2.990 %
$0 Learn More
More Info

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

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Southern Coastal Locations

Financial Details

Southern Coastal Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Southern Coastal. 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 Coastal U.S. Average
2.97% 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 Coastal had $60,147 in non-current loans and $0 in owned assets. To cover these potential losses it had $2,003,009 in net worth and $20,644 in loans loss reserves. That gives it a Texas Ratio of 2.97%.

Net Worth
Southern Coastal U.S. Average
19.35% 13.86%

Southern Coastal FCU has a net worth of 19.35% 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 Coastal

Branches and Savings

What is Southern Coastal?

A federal credit union, registered with the NCUA under certificate #24885.
Learn more about credit unions here.

Is Southern Coastal 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 Coastal?

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

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

Southern Coastal'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 Coastal?

Southern Coastal has total capital of $2.00 million. Full information on Southern Coastal's financial position is located above.

Who owns Southern Coastal?

Credit Unions are owned by their members.

Where are Southern Coastal branches located?

See branch locations nearby.

Are Southern Coastal ATMs Open 24/7?

Do Southern Coastal ATMs accept cash deposits?

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

Does Southern Coastal have a mobile app?

Does Southern Coastal have mobile deposit?

Does Southern Coastal have quick pay?

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

Does Southern Coastal report to credit bureaus?

Does Southern Coastal use Chexsystems?

Does Southern Coastal use Equifax?

What is Southern Coastal's toll free phone number?

What is Southern Coastal's ACH Routing Number?

What is Southern Coastal's SWIFT code?

Where can I find Southern Coastal's wire transfer form?

What is the Southern Coastal address for deposits?

What Products Does Southern Coastal Offer

Does Southern Coastal offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Southern Coastal offer auto and RV loans?

Compare auto loan rates here.

Does Southern Coastal offer student loans or personal loans?

Compare personal loan rates here.

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