The Southern

Headquarters

Po Box 1509
Fayetteville, GA 30214
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

The Southern is an NCUA insured institution located in Fayetteville, GA. It was founded in 1963 and has approximately $316.82 millions in assets.

Who can join?

You can apply for membership if you are employed by any of the Select Employer Groups, or are associated with any of the Select Organization Groups.
Credit Union membership is also a family affair. Membership is open to immediate family members, including spouses, siblings, parents, children, grandchildren, and grandparents who are related by blood or marriage.

*Immediate family members include spouse, child, siblings, parents, grandparents, grandchildren, and step relatives. Persons living in the same residence and maintaining a single economic unit are also eligible to join. This includes legal guardianships and domestic partners as well as any person who is a permanent member of and participates in the maintenance of a household.

NCUA Insured Yes / Federally Chartered
Charter Number # # 15457
Date Established 1963
Assets $316.82 million
Loans $103.43 million
Deposits $281.34 million
Capital $33.03 million
 

Field of Membership Restrictions

Membership is open to those who are employed by any of the Select Employer Groups, or are associated with any of the Select Organization Groups. Credit Union membership is also a family affair. Membership is open to immediate family members, including spouses, siblings, parents, children, grandchildren, and grandparents who are related by blood or marriage

Deposit Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for The Southern

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Advertiser Disclosure

Loan Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for THE 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 2021

Lender APR Rate (%) Points Fees Monthly
Payment
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Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
Morty, Inc.
NMLS ID: 1429243
2.706% 2.625% 0.63 $2,668 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
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4.000 %
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Note to THE SOUTHERN
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are The 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:
Fairfield,Connecticut


The Southern Locations


Financial Details

The Southern Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The 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
The Southern U.S. Average
1.46% 5.40

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 December 31, 2020, The Southern had $492,367 in non-current loans and $0 in owned assets. To cover these potential losses it had $33,030,772 in net worth and $795,000 in loans loss reserves. That gives it a Texas Ratio of 1.46%.

Net Worth
The Southern U.S. Average
10.42% 12.67%

The Southern FCU has a net worth of 10.42% versus the BestCashCow average of 12.67. 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 The Southern

Branches and Savings

What is The Southern?

A federal credit union, registered with the NCUA under certificate #15457.
Learn more about credit unions here.

Is The Southern FDIC insured?

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

Who can join The Southern?

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

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

The 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 The Southern?

The Southern has total capital of $33.03 million. Full information on The Southern's financial position is located above.

Who owns The Southern?

Credit Unions are owned by their members.

Where are The Southern branches located?

See branch locations nearby.

Are The Southern ATMs Open 24/7?

Do The Southern ATMs accept cash deposits?

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

Does The Southern have a mobile app?

Does The Southern have mobile deposit?

Does The Southern have quick pay?

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

Does The Southern report to credit bureaus?

Does The Southern use Chexsystems?

Does The Southern use Equifax?

What is The Southern's toll free phone number?

What is The Southern's ACH Routing Number?

What is The Southern's SWIFT code?

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

What is the The Southern address for deposits?

What Products Does The Southern Offer

Does The Southern offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does The Southern offer auto and RV loans?

Compare auto loan rates here.

Does The Southern offer student loans or personal loans?

Compare personal loan rates here.

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