The Southern


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

Notable Rates APY Vs.Others
Savings 0.03% 0.65% →
1-Year CD 0.70% 0.70% →
2-Year CD 1.00% 0.75% →
5-Year CD 1.35% 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 $504.81 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 68638
Date Established 1963
Assets $504.81 million
Loans $194.27 million
Deposits $451.45 million
Capital $46.46 million

Field of Membership Restrictions

Membership is open to employees and members of the credit union's over 200 Select Employer Groups.

Deposit Rates - July 27, 2021

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.03% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.35% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.35% $10,000 $14,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.70% $10,000 $14,999 Learn More
12 Mo CD
0.70% $100,000 $199,999 Learn More
18 Mo CD
0.80% $10,000 $14,999 Learn More
18 Mo CD
0.80% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
36 Mo CD
1.10% $10,000 $14,999 Learn More
36 Mo CD
1.10% $100,000 $199,999 Learn More
48 Mo CD
1.20% $10,000 $14,999 Learn More
48 Mo CD
1.20% $100,000 $199,999 Learn More
60 Mo CD
1.35% $10,000 $14,999 Learn More
60 Mo CD
1.35% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.25% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - July 27, 2021

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.465% 3.375% 0.63 $2,812 $1,106 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

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



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:

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
0.16% 4.38

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 31, 2021, The Southern had $68,129 in non-current loans and $7,181 in owned assets. To cover these potential losses it had $46,463,413 in net worth and $789,000 in loans loss reserves. That gives it a Texas Ratio of 0.16%.

Net Worth
The Southern U.S. Average
9.82% 12.20%

The Southern FCU has a net worth of 9.82% versus the BestCashCow average of 12.20. 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 credit union, registered with the NCUA under certificate #68638.
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 $46.46 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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