Singing River Credit Union Ocean Springs MS | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Singing River, your trusted community credit union located at 3070 Bienville Blvd, Ocean Springs, MS 39564. Established in 1953, we have been dedicated to serving our members for over 70 years, helping them achieve their financial goals with personalized service and a commitment to excellence. At Singing River, we pride ourselves on being more than just a financial institution; we are a part of the Ocean Springs community. With over 24,000 members, we understand the importance of building strong relationships and providing tailored solutions that meet individual needs. Our total assets stand at an impressive $330,825,524, reflecting our stability and trustworthiness. Our experienced team, led by CEO James Smith Jr. and Board President James Plowman, is here to guide you through various services ranging from personal banking and auto loans to business financing options. We currently manage $20,889,888 in deposits and have issued 14,062 loans to help our members achieve their dreams. While you can visit us directly at our branch for friendly assistance, if you need to send official correspondence, please use our mailing address: 6006 Highway 63, Moss Point, MS 39563. Our dedicated staff is available during operating hours from 9:00 AM to 5:00 PM on weekdays, ready to assist with any inquiries. With a net worth of $36,723,691 and cash reserves of $4,423,567, Singing River stands as a pillar of financial strength in the community. We invite you to explore the benefits of membership and discover how we can support your financial journey. For more information or assistance, please don't hesitate to reach out at (228) 475-9531 or visit us online at Singing River Credit Union. Join us today and experience the difference that comes with being part of a cooperative that truly cares about its members!

Branch History & Mission

Our Mission

At Singing River, our mission is clear: to empower our members by providing exceptional financial services while fostering a spirit of community support. We believe in putting people first and creating opportunities for financial stability and growth. Whether it's through offering personal banking options like checking and savings accounts or helping you secure an auto loan or mortgage, we aim to make your financial journey as smooth as possible. Our dedication extends beyond just banking. We actively engage with local organizations and initiatives to uplift the communities we serve. Our partnerships with various local charities help us give back and make a positive impact on the lives of those around us. While members can visit us at 3070 Bienville Blvd, official correspondence should be sent to 6006 HIGHWAY 63, MOSS POINT, MS 39563. We invite you to reach out by phone at 228-475-9531 if you have any questions or need assistance. In addition to traditional banking services, we've embraced technology to better serve you. With features like online banking, mobile payments, and e-statements available, managing your finances has never been easier. Plus, our ADA-compliant facilities ensure that everyone can access our services comfortably. Our branch operates from 9:00 AM to 5:00 PM Monday through Friday and offers ATM availability along with drive-thru banking for your convenience. We also provide shared service center access so you can conduct basic transactions seamlessly. Join us today at Singing River! Experience firsthand how we prioritize your financial well-being while being an active participant in the Ocean Springs community. Let's grow together visit us or explore more about becoming a member here.

Branch Location & Accessibility

Accessibility Features

At Singing River, we understand that accessibility matters. Our branch is designed to be welcoming for everyone, featuring ADA-compliant ramps and ample parking to ensure a smooth visit for all our members. Whether you're stopping by for a quick transaction or a more in-depth consultation, you'll find our facilities accommodating and user-friendly.

Get in Touch

While members can visit us at our Ocean Springs address, official correspondence should be sent to our mailing address at 6006 Highway 63, Moss Point, MS 39563. If you have any questions or need assistance before your visit, don't hesitate to give us a call at 228-475-9531. We invite you to come in and experience the difference at Singing River! Whether you're looking to open an account or simply want to explore your options, we're here for you every step of the way.

Operating Hours & Services

We're here for you during convenient hours from 9:00 AM to 5:00 PM, Monday through Friday. This schedule allows you to fit your banking needs into your busy day easily. Plus, with our drive-thru service available, you can quickly make deposits and withdrawals without leaving your vehicle. Our branch offers a wide range of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans, mortgages, and credit cards with rewards we have something for everyone. If you need assistance with basic transactions or shared services from partner credit unions, our friendly staff is always ready to help.

Member Eligibility

At Singing River, we believe that joining our community is more than just opening an account; it's about becoming part of a family that supports each other financially and personally. If you're looking to become a member, you'll be happy to know that eligibility is straightforward. Generally, anyone who lives, works, worships, or attends school in the area can join us at our location on 3070 Bienville Blvd Ocean Springs Ms 39564. We warmly welcome individuals from diverse backgrounds and experiences because we know that everyone brings something unique to our credit union. To make the process even smoother, we invite you to visit our website for detailed eligibility criteria at https://www.srfcu.org/connect/become-a-member.html. There, you'll find everything you need to know about becoming a member. Once you're ready to take the next step, feel free to give us a call at (228) 475-9531 for assistance or questions about opening your account. Joining Singing River means not only accessing great financial services but also being part of a caring community committed to your success.

Business Banking & Commercial Services

Commercial Loans

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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $21,576,285, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine being able to accept payments seamlessly, helping your cash flow stay strong. Our merchant services make it easy for businesses to manage transactions efficiently. From payment processing solutions to point-of-sale systems, we provide the tools you need to keep your operations running smoothly. Located at 3070 Bienville Blvd Ocean Springs Ms 39564 in Ocean Springs, MS, we're here to help your business thrive. Contact us at (228) 475-9531 or visit our website at https://www.srfcu.org/ for more information on how we can support your business goals.

Comprehensive List Of Services

ATM & Drive-Thru Services

We also recognize that sometimes you need quick access to cash or assistance with basic transactions. Our ATM availability allows for easy cash withdrawals and balance checks whenever you need them. If you prefer face-to-face interaction, our drive-thru service offers deposits, withdrawals, and simple transactions without having to leave your car.

Business Banking Solutions

For our business members, we provide essential banking services including merchant services and business loans. We know running a business comes with its own set of challenges, which is why we strive to support local entrepreneurs through tailored financial products.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why Singing River offers robust online and mobile banking features. You can check balances, transfer funds, and pay bills all from the comfort of your home or on-the-go using our mobile app. With person-to-person payment options and electronic signature authorization, managing your finances has never been easier.

Personal Banking Services

We offer various personal banking options designed to fit your lifestyle. Our checking and savings accounts provide a safe place for your money while earning interest. Need funds for that dream car? Our auto loans and vehicle financing solutions make it easy to get behind the wheel without breaking the bank. For those thinking about buying a home, our mortgage loans and refinancing options can help turn that dream into reality. If you're facing unexpected expenses or want to consolidate debt, our personal loans are here to assist you. Plus, with credit cards offering rewards, you can earn benefits just by making everyday purchases!

Shared Branching Access

If you're traveling or find yourself away from home, don't worry! We participate in shared branching networks so members of partner credit unions can perform basic transactions like deposits and withdrawals at participating locations. At Singing River, we're committed to providing accessible financial services that enhance your banking experience. For more information on how we can assist you further or if you're ready to become a member of our growing community, please reach out at (228) 475-9531 or visit us online at Ocean Springs. We're here for all your banking needs!

Digital & Online Banking

Key Services

Visit us online at https://www.srfcu.org/ to explore all the features available to our members. Our user-friendly platform allows you to check balances, transfer funds, and pay bills all from the comfort of your home or wherever you might be. Plus, with electronic signature authorization available, signing documents has never been simpler or more secure. We also provide e-statements so you can manage your financial records efficiently while reducing paper clutter. You'll have quick access to your statements whenever you need them.

Mobile Access and Payments

For those who prefer using their smartphones, our mobile application is here to help. Available for download, it makes banking on the go a breeze. You can even make mobile payments with ease just tap your phone to pay at participating retailers. Need to send money to friends or family? Our person-to-person transfer feature lets you do just that without any hassle. It's fast, convenient, and ensures that your transactions are secure.

Your Financial Hub

At Singing River, we prioritize both accessibility and security in all our digital offerings. Whether you're checking your account balance late at night or making a payment during lunch breaks, we've got you covered with reliable services tailored for today's busy lifestyle. Join us today and experience the convenience of modern banking!

Financial Strength

A Growing Community

Our commitment to our members is evident through the total share accounts we manage: 42,854, showcasing 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 3070 Bienville Blvd Ocean Springs MS 39564 or call (228) 475-9531 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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. By focusing our resources on you our valued member we ensure that you benefit from better loan rates and exclusive perks.

Reinventing Your Banking Experience

With $30,751,072 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals with $54,465 in used auto loans and a total of $272,413,499 in loans and leases. Our operational efficiency is reflected in our net income of $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also 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.

Solid Financial Foundation

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have provided over $117,920,314 in used vehicle loans and $37,970,522 in new vehicle loans already helping members get on the road. Whether you're looking for financing for a brand-new model or a reliable used vehicle, our team is here to guide you through the process.

Business Solutions

For business owners seeking capital to grow and expand their operations, our outstanding commercial loans totaling $21,576,285 are designed to meet your unique needs. Whether it's funding for equipment purchases or working capital for daily operations, we are here to support your business journey. At Singing River, we prioritize making the lending process as straightforward as possible. You can reach us at (228) 475-9531 or visit us at our branch located at 3070 Bienville Blvd Ocean Springs Ms 39564 in Ocean Springs, MS. For more details on eligibility and membership options, please visit our website. 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 find the right loan product that fits your lifestyle and goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $4,743,031, allowing you to invest in your future with confidence. If you're considering refinancing your current mortgage, we have options available to potentially lower your monthly payments.

Personal Financing

For those who need flexibility in managing expenses, we also provide unsecured credit card loans with a total of $3,558,628. This option allows our members to handle unexpected costs or consolidate debt without worrying about collateral.

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Singing River