Singing River Credit Union Lucedale MS | Affordable Auto Loans & Business Banking

Introduction

Welcome to Singing River, your trusted partner in financial well-being located at 201 Scott Rd, Lucedale, MS 39452. Since our establishment in 1953, we've been dedicated to serving our community and providing personalized banking solutions that meet the unique needs of each of our 24,109 members. At Singing River, we understand that financial decisions can be daunting. That's why we are here to guide you every step of the way, offering a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. With total assets of $330,825,524 and total deposits reaching $20,889,888, our strong financial foundation allows us to provide competitive rates and support for your financial goals. Our commitment to you goes beyond just numbers. Under the leadership of CEO James Smith Jr. and Board President James Plowman, our team of 87 employees is passionate about helping you achieve financial success. We pride ourselves on being more than just a credit union; we are a part of the Lucedale community, invested in its growth and prosperity. While members can visit us at 201 Scott Rd, official correspondence should be sent to our mailing address: 6006 Highway 63, Moss Point, MS 39563. Feel free to reach out to us at 601-947-4578 during our lobby hours: Monday, Tuesday, Thursday, and Friday from 9 AM to 5 PM, or Wednesday from 10 AM to 5 PM. Whether you want to open a new account or inquire about our loan products our friendly staff is here to help! Join us today at Singing River and discover how we can make banking easier for you! For more information about our services and how to become a member, visit our website at www.srfcu.org. Your journey towards better financial health starts here!

Branch History & Mission

Singing River Credit Union has been a cornerstone of the Lucedale community since it first opened its doors in 1953. Located at 201 Scott Rd, Lucedale, MS 39452, our branch stands as a testament to decades of commitment to service and support for our members. Over the years, we have grown alongside our community, proudly serving more than 24,000 members and managing total assets of $330,825,524. From humble beginnings, Singing River has evolved into a trusted financial partner. Our mission is clear: we strive to provide accessible financial services while fostering a spirit of community and mutual support. We believe in empowering our members to achieve their financial goals through personalized banking solutions that include checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking options. While members can visit us at our branch address in Lucedale, official correspondence should be sent to our mailing address at 6006 Highway 63, Moss Point, MS 39563. Our dedicated team is here for you during operating hours Monday, Tuesday, Thursday, and Friday from 9 AM to 5 PM, with Wednesday hours from 10 AM to 5 PM. Singing River Credit Union is more than just a bank; it's a place where relationships are built. We offer drive-thru banking for added convenience and ensure ATM availability for easy access to your funds. Additionally, we participate in shared service centers to enhance the accessibility of our services for all members. Our commitment extends beyond traditional banking. We actively engage in community outreach initiatives and partnerships that uplift the residents of George County. Whether it's sponsoring local events or providing educational resources about financial literacy, we take pride in being involved in the lives of those we serve. With advancements in technology like mobile payments and online banking services available at your fingertips, we are dedicated to ensuring that your experience with us is seamless and user-friendly. We also prioritize ADA compliance so that all members can access our facilities and services without barriers. Join us at Singing River Credit Union and experience firsthand how we can help you navigate your financial journey while being a part of something bigger a supportive community focused on growth and prosperity. We invite you to become a member today! For more information on membership eligibility or to learn more about what we offer, visit us online at Singing River Credit Union or give us a call at 601-947-4578.

Branch Location & Accessibility

Contact Us

While members can visit us at 201 Scott Rd, official correspondence should be sent to our mailing address at 6006 Highway 63 in Moss Point, MS. If you have questions or need assistance before your visit, feel free to call us at 601-947-4578. We invite you to stop by Singing River Credit Union today! Our friendly team is excited to assist you with all your banking needs and help you achieve your financial goals.

Nearby Landmarks and Accessibility

Situated near popular local spots, we're just a short drive from the bustling heart of Lucedale. Our location is designed with accessibility in mind, featuring ADA-compliant ramps and parking spaces to ensure that everyone can visit us comfortably. If you need assistance or have special requirements, don't hesitate to ask our staff; they're always ready to help!

Operating Hours and Services

Singing River Credit Union offers flexible operating hours to accommodate your schedule. You can visit us from 9 AM to 5 PM on Monday, Tuesday, Thursday, and Friday. On Wednesdays, we open a little later at 10 AM but still close at 5 PM. Our branch also features a convenient drive-thru service for quick transactions without leaving your vehicle. If you prefer digital banking, we provide online and mobile banking services so you can manage your finances anytime, anywhere. Plus, our ATM is available for cash withdrawals and balance checks whenever you need it.

Member Eligibility

At Singing River, we're excited to welcome you into our community of members who enjoy a range of financial services and support. Becoming a member is simple! If you live, work, or worship in the area, or if you have family members who are already part of our credit union, you're likely eligible. We value inclusivity and are committed to making membership accessible to everyone in our community. Joining us means you'll benefit from personalized service, competitive rates on loans and savings, and a host of financial tools tailored to your needs. To get started, we encourage you to visit our eligibility page at https://www.srfcu.org/connect/become-a-member.html for more details on how to qualify. If you're ready to open an account or have any questions, feel free to reach out by calling us at (601) 947-4578. We can't wait for you to experience all that Singing River has to offer at our branch located at 201 Scott Rd Lucedale Ms 39452!

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $157 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $21,576,285, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Simplify Transactions

In addition to loans, we offer robust merchant services that make daily transactions easier for business owners. Imagine having the ability to accept payments seamlessly, whether in-person or online, allowing you to focus on what really matters growing your business. Our merchant services provide reliable solutions that keep your cash flow steady and your customers happy. Visit us at 201 Scott Rd Lucedale Ms 39452 in Lucedale, MS, or call us at (601) 947-4578 to learn how our business banking and commercial services can help you achieve your goals!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our Auto Loans & Vehicle Financing options make it easier for you to drive off with the vehicle of your dreams. Whether it's a brand-new model or a reliable used car, we provide competitive rates and flexible terms that fit your budget.

Business Banking

For entrepreneurs and small business owners, we provide tailored Business Banking solutions. From Merchant Services to Business Loans, we support local businesses in growing their ventures without unnecessary hurdles.

Convenience Features

In today's fast-paced world, convenience is key. That's why at Singing River, we offer features like ATM and Cash Withdrawal Services so you can access your money whenever needed. Our Basic Drive-Thru Banking allows you to make deposits and withdrawals without leaving your vehicle, which is perfect for busy days.

Credit Cards with Rewards

Enhance your spending power with our Credit Cards with Rewards program. Enjoy benefits such as cash back, travel rewards, and more every time you use your card. It's an easy way to earn rewards on purchases you're already making.

Mortgage Loans & Refinancing

Homeownership is within reach with our Mortgage Loans & Refinancing services. If you're ready to purchase your first home or looking to refinance for a better rate, our knowledgeable staff will guide you through the process and help you find the right solution for your situation.

Personal Banking

For individuals looking to manage their money effectively, we offer Personal Banking solutions, including Checking and Savings Accounts. Imagine having the flexibility to access your funds anytime with our user-friendly online and mobile banking platforms. You can easily check your balance, transfer funds, or pay bills from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

Need extra cash for unexpected expenses? Our Personal Loans & Debt Consolidation options can help. We work with you to create a manageable repayment plan that fits your lifestyle while alleviating financial stress.

Shared Branching Access

If you're a member of another participating credit union, take advantage of our Basic Shared Branch Transactions. You can perform deposits and withdrawals easily at our branch, expanding your access beyond just one location. With all these services available at Singing River, there's something for everyone! We pride ourselves on being more than just a credit union; we're part of the community. If you have any questions or want to learn more about how we can assist you financially, feel free to give us a call at (601) 947-4578 or visit us in person. Your journey toward financial wellness starts here!

Digital & Online Banking

Key Services

Our online banking service allows you to check balances, transfer money, and pay bills with just a few clicks. Plus, with our electronic signature authorization feature, signing documents is quick and hassle-free no more waiting for paper forms! If you're looking to keep track of your spending without the clutter, our e-statements are available for easy access whenever you need them. If you're always on the move, you'll love our mobile application. It lets you manage your account right from your smartphone. You can also take advantage of mobile payments to make quick purchases directly from your device it's secure and incredibly convenient. Additionally, our person-to-person transfer feature means you can send money instantly to friends or family without any fuss.

Security and Accessibility

We prioritize the security of your information. Our online banking services are protected with robust security measures so you can bank with peace of mind. The user-friendly interface makes it simple for everyone, whether you're tech-savvy or just starting out. Overall, the digital banking services at Singing River empower you to take control of your financial life anytime and anywhere. Experience the ease of online banking today by visiting us at https://www.srfcu.org/!

Financial Strength

Commitment to Growth

With $30,751,072 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $54,465 in used auto loans and a total of $272,413,499 in loans and leases.

Member-Centric Savings

Members' savings are secured through $146,916,786 in share certificates and $6,217,897 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our financial performance reflects our operational efficiency with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 78 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Strong Financial Health

With a net worth of $36,723,691, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.09% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Member Base

Total Share Accounts: 42,854, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Singing River is your trusted partner. Visit us at 201 Scott Rd Lucedale MS 39452 or call 601-947-4578 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $117,920,314 in used vehicle loans and $37,970,522 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates for both new and used vehicles to make your car-buying experience smooth and affordable.

Credit Lines and Personal Loans

If you need extra funds for unexpected expenses or planned purchases, our credit lines totaling $21,086,059 can provide just what you need. These lines are designed to give you access to cash when you need it most. For business owners looking to grow and expand their operations, our outstanding commercial loans totaling $21,576,285 are available as well.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,743,031, make buying or refinancing simple. We work with you to find the best mortgage solutions that fit your budget and lifestyle.

Refinancing Options

If you're thinking about refinancing any existing loans or mortgages to lower your payments or free up cash flow for other needs, we can help explore eligibility options tailored for you. At Singing River in Lucedale (201 Scott Rd), we're dedicated to providing financial solutions that enhance your life. For more information about our loan offerings or to discuss your specific needs with one of our friendly representatives, give us a call at 601-947-4578. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial dreams!

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we offer flexible terms on unsecured credit card loans, with a total of $3,558,628 in loans helping members manage their finances effectively. Our credit cards come with rewards that benefit you while you spend.

Loan Aggregator

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Singing River