South Central Credit Union Jackson MI | Best Auto Loans & Business Banking

Introduction

Welcome to South Central, your trusted partner in financial success since 1954. Located at 2221 E South St, Jackson, MI 49201, we have been dedicated to serving our community with integrity and commitment. With over 7,148 members and a robust asset base of $83,136,333, we are proud to offer personalized banking solutions tailored to meet your needs. At South Central, we understand that financial decisions can be daunting. That's why our friendly team is here to guide you through every step of the way whether you're looking for a new auto loan or opening a savings account. Our total deposits stand at an impressive $11,699,231, which reflects the trust our members place in us. Under the leadership of our CEO, Terri Papiersky, and Board President, Karen Coffman, we strive to foster a supportive environment where you can achieve your financial goals. We also employ 19 dedicated staff members who are always ready to assist you. While members can visit us at our branch for all their banking needs, official correspondence should be sent to 958 W Monroe St, Jackson, MI 49202-2036. Explore our range of services including auto loans, personal loans, and business banking options designed specifically for you. Ready to take the next step? Give us a call at 517-787-2220 or visit our website at southcentralcu.org today! Join us in making your financial journey a success!

Branch History & Mission

Join Us

We invite you to become part of the South Central family today! Experience the difference that comes with being a member-focused credit union dedicated to your financial wellbeing. Visit us online at southcentralcu.org or call us at 517-787-2220 to learn more about how we can help you thrive financially. Together, let's build a brighter future!

Our Mission

At South Central, our mission is clear: to provide exceptional financial services while enhancing the lives of our members and supporting the community we serve. We believe in building lasting relationships based on trust and transparency. We aim to help you achieve your financial goals through various services like checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. Our commitment extends beyond just banking. We actively participate in community outreach initiatives that uplift local organizations and support charitable causes. Whether it's sponsoring local events or partnering with schools for financial literacy programs, we strive to make a positive impact in Jackson. While members can visit us at 2221 E South St Jackson Mi 49201, official correspondence should be sent to 958 W Monroe St, Jackson, MI 49202-2036. Our team is here Monday through Friday from 9:00 AM to 5:30 PM for lobby service and until 6:00 PM on Fridays for drive-thru service plus Saturday drive-thru hours from 9:00 AM to 1:00 PM.

Our Story

South Central was founded with a simple yet powerful mission: to empower individuals and families through accessible financial solutions. From our early days operating out of a small office, we have evolved into a full-service credit union that meets the diverse needs of our community. Located at 2221 E South St, Jackson, MI 49201, we are easily accessible and close to local landmarks that residents know well. Our branch is more than just a place to handle your banking needs; it's a hub for community engagement and support. We've embraced technology with online banking options and mobile applications to ensure that our members can manage their finances conveniently from anywhere. Additionally, we proudly offer ATM services and drive-thru banking for those who prefer face-to-face interaction without leaving their vehicles.

Branch Location & Accessibility

Convenient Access and Parking

At the South Central branch, accessibility is a priority. We have ample parking available right outside the door, ensuring that your visit is hassle-free. Our location features ADA-compliant access so everyone can bank comfortably.

Join Us Today!

Feel free to give us a call at 517-787-2220 if you have any questions or need assistance. We invite you to visit us soon at the South Central branch where friendly service meets convenient banking solutions!

Services Tailored for You

Our South Central branch offers a wide range of services to support your financial journey. From personal banking options like checking and savings accounts to vehicle financing and mortgage loans, we've got you covered. Plus, enjoy the convenience of online and mobile banking that allows you to manage your finances anytime, anywhere. And if you ever need assistance after hours or when you're on the go, we also provide ATM services right here at the branch.

Welcoming Operating Hours

We understand how busy life can get, which is why our lobby hours are designed to fit your schedule. You can visit us Monday through Friday from 9 AM to 5:30 PM. If you prefer using our drive-thru service, we're open until 6 PM on Fridays and from 9 AM to 1 PM on Saturdays perfect for those weekend banking needs!

Member Eligibility

Becoming a member of South Central is like joining a family where your financial well-being matters. If you live, work, or worship in the Jackson area, you're already on the path to enjoying all the benefits we offer. We're dedicated to providing personalized services that help you achieve your financial goals, whether it's opening a checking account, securing an auto loan, or planning for your future. If you're curious about what it takes to join us, you can find detailed eligibility criteria by visiting https://www.southcentralcu.org/membership-application. It's simple and straightforward so don't hesitate! When you're ready to take the next step, check out how easy it is to open an account at https://www.southcentralcu.org/apply-for-a-loan. Have questions? Feel free to give us a call at (517) 787-2220. We're excited to welcome you into our community at South Central, located at 2221 E South St Jackson Mi 49201!

Business Banking & Commercial Services

At South Central, we understand that every business journey is unique, and we're here to support yours. Whether you're looking to expand, renovate, or invest in new equipment, our commercial loan options are designed to fuel your growth. Imagine a local bakery that dreams of opening a second location. With our tailored financing solutions, they can turn that dream into reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 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 $0, we continue to drive economic growth by financing new and expanding businesses. In addition to loans, our merchant services offer practical benefits that streamline operations. Picture a retail store effortlessly managing transactions and payments, allowing them to focus on what they do best serving customers. Our services make it easy for businesses to thrive. Visit us at 2221 E South St Jackson Mi 49201 in Jackson, MI, or call us at (517) 787-2220 to learn how we can help your business succeed!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our convenient ATM & Cash Withdrawal Services are available at various locations so you can easily access your funds when needed. Additionally, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car.

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing options make it simple for you to get behind the wheel. We offer competitive rates and flexible terms to fit your budget. Imagine driving away in the vehicle of your dreams without breaking the bank!

Business Banking

For our entrepreneurial members, we offer comprehensive Business Banking services including Merchant Services & Business Loans. We know how important it is for small businesses to have reliable financial support, so we provide tailored solutions that help your business thrive.

Digital Banking Convenience

With the rise of digital banking, we ensure that accessing your accounts is easier than ever. Our online platform allows you to manage transactions from home or on the go with features like Mobile Payments, e-statements, and person-to-person transfers.

Mortgage Loans & Refinancing

Owning a home is a significant milestone, and we're here to support you with our Mortgage Loans & Refinancing services. Whether you're buying your first home or looking to refinance an existing mortgage for better terms, our experienced staff will guide you through the process smoothly.

Personal Banking

We understand that managing your finances can sometimes feel overwhelming. That's why our personal banking services include Checking & Savings Accounts designed for convenience and ease. With features like online and mobile banking, you can check balances, transfer funds, and pay bills from anywhere. Plus, our Credit Cards with Rewards offer a great way to earn points on your everyday purchases.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation options can help lighten your financial load. We work closely with you to find a solution that meets your needs without added stress.

Shared Branch Transactions

If you're traveling or simply prefer another branch's services, don't worry! We offer basic shared branch transactions for partner credit union members, allowing deposits and withdrawals wherever you are. At South Central, we believe in creating financial solutions that work for you. If you have any questions or would like more information about how we can assist you further, please don't hesitate to reach out at (517) 787-2220 or visit us online at South St. Branch. Your financial success is our priority!

Digital & Online Banking

Always Available

With 24/7 online banking services at South Central, you can manage your accounts on your schedule. Whether it's early in the morning or late at night, you have full control over your finances whenever you need it. Our security measures are designed to protect your personal information so that you can bank with confidence. At South Central, we're dedicated to providing accessible and easy-to-use banking solutions that empower our members. Start exploring all our digital banking options today!

Key Features

Our online banking includes a user-friendly mobile application, making it easy for you to check balances, transfer funds, and pay bills right from your phone. Plus, with features like person-to-person transfers, sending money to friends or family has never been simpler. You can also enjoy the benefits of electronic signature authorization, allowing you to complete transactions securely without needing to visit a branch. For those who prefer going paperless, we provide e-statements that let you view your account statements digitally. This not only helps reduce clutter but also keeps your information secure. And if you're someone who loves the convenience of mobile payments, you'll be pleased to know that we support this feature too!

Financial Strength

Investment in Your Future

With $11,333,793 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, our lending capacity is supported by $1,371 in used auto loans and $39,751,090 in total loans and leases, empowering you to achieve your financial goals across various sectors.

Member-Centric Savings Options

Members' savings are secured through $2,502,871 in share certificates and $10,653,907 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 $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 18 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $12,026,797, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,441 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Partnership

Net Shares (Funds available for lending and investments): $11,135,744. Total Share Accounts: 12,182, 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, South Central is your trusted partner. Visit us at 2221 E South St Jackson Mi 49201 or call (517) 787-2220 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $23,390,659 in used vehicle loans and $6,234,704 in new vehicle loans already helping members get on the road. We make it easy to get financing for both new and used vehicles, so you can enjoy peace of mind while driving.

Business Solutions

For business owners looking for capital to grow and expand, our outstanding commercial loans provide essential funding. Although we currently do not have any outstanding commercial loans available, we are always prepared to help local businesses thrive when opportunities arise.

Credit Card Options

We also offer flexible terms on unsecured credit card loans. With a total of $1,841,483 in unsecured credit card loans helping members manage their finances effectively, you'll find our cards come with various rewards and low-interest rates.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $623,377, making buying or refinancing simple. We aim to guide you through the mortgage process and provide competitive rates that fit your budget.

Refinancing and Eligibility

If you're considering refinancing an existing loan or checking your eligibility for any of our products, we encourage you to explore your options with us. Our team is ready to assist you with the details and answer any questions you may have about interest rates and repayment terms. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Discover how South Central can help simplify your borrowing experience today! For more information or to apply for a loan online, visit our website.

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South Central