South Central Credit Union Jackson MI | Affordable Auto Loans & Top Checking

Introduction

Welcome to South Central Credit Union, where our commitment to the community has been strong since we opened our doors in 1954. Located at 958 W Monroe St, Jackson, MI 49202, we pride ourselves on being more than just a financial institution; we're a trusted partner in your journey toward financial stability and success. With over 7,148 members and a robust asset base of $83,136,333, we are dedicated to serving our community with personalized banking solutions that meet your unique needs. At South Central, our mission is simple: to provide exceptional service while ensuring your financial growth. We offer a variety of services including personal checking and savings accounts, auto loans, mortgage loans, and business banking options. Whether you're looking to purchase your first car or secure financing for your small business, we've got you covered. Our leadership team is here to guide you every step of the way. Under the guidance of CEO Terri Papiersky and Board President Karen Coffman, we ensure that every member receives the attention they deserve. Our friendly staff of 19 employees is ready to assist you during our operating hours from 9:00 a.m. to 5:00 p.m., Monday through Friday, with extended drive-thru hours available on Saturdays. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: P.O. Box 27, Jackson, MI 49204. Ready to take the next step? Visit our website at southcentralcu.org or give us a call at 517-787-2220 today! Let's work together towards achieving your financial goals!

Branch History & Mission

A Legacy of Trust and Growth

Throughout the years, South Central has remained committed to providing exceptional financial services while fostering a strong sense of community. We understand that our success is tied to the well-being of our members and the neighborhoods we serve. As we evolved over the decades, we introduced various services tailored to meet the needs of our diverse membership base ranging from personal banking solutions like checking and savings accounts to auto loans and credit cards. Our headquarters in Jackson serves as a testament to our dedication to local prosperity. We are proud to be part of this vibrant city where our roots run deep. The support from our loyal members has allowed us to expand our offerings while maintaining a focus on community outreach initiatives that benefit everyone.

Community Engagement and Innovation

We pride ourselves on being more than just a credit union; we're an active participant in the Jackson community. Our partnerships with local organizations allow us to contribute positively through various outreach programs aimed at improving lives across the region. By offering financial education workshops and supporting local events, we aim to build stronger connections within our community. In keeping pace with modern technology, we've embraced digital advancements that enhance your banking experience. With options like online banking, mobile payments, and electronic statements, managing your finances has never been easier or more convenient.

Join Us Today!

As we look toward the future, South Central Credit Union remains committed to serving you with integrity and care. Whether you're looking for personal banking solutions or seeking ways to invest in your future, we're here for you every step of the way. We invite you to join us at South Central Credit Union today! Experience firsthand the benefits of membership and discover how we can help you achieve your financial goals. For more information or assistance, call us at (517) 787-2220 or visit us online at South Central Credit Union.

Mission-Driven Services

At South Central Credit Union, our mission is simple yet impactful: we strive to empower our members through comprehensive financial education and accessible banking solutions. We believe in providing not just a place to save or borrow but also a resource for financial literacy that helps individuals make informed decisions about their money. Our operating hours are designed to accommodate your busy schedule open from 9:00 a.m. to 5:00 p.m. Monday through Friday in the lobby and until 5:30 p.m. in our drive-thru service on weekdays. Additionally, we offer ATM availability for those who prefer quick access to cash outside regular hours. While members can visit us at 958 W Monroe St Jackson Mi 49202, official correspondence should be sent to P.O. Box 27, Jackson, MI 49204. This ensures that you receive timely information regarding your accounts and any updates we may have.

Branch Location & Accessibility

Conveniently Located

Nestled near popular local landmarks, our branch is just a short drive from the bustling downtown area, making it easy for you to fit us into your day. If you're coming from the nearby parks or schools, you'll find us conveniently situated with ample parking available. We ensure that everyone can visit us comfortably, as our facility is designed to be ADA compliant with ramps and accessible entry points.

Operating Hours

Our doors are open Monday through Friday from 9:00 a.m. to 5:00 p.m., allowing you plenty of time to manage your finances during the week. On Saturdays, we offer extended drive-thru hours until 5:30 p.m., so you can take care of your banking needs without any rush. Feel free to call us at 517-787-2220 if you have any questions about our services or hours.

Services Offered

At South Central Credit Union, we offer a variety of personal and business banking solutions tailored just for you! From checking and savings accounts to auto loans and mortgage options, we're equipped to support your financial journey. With an ATM on-site and a convenient drive-thru service for deposits and withdrawals, managing your money has never been easier. While members can visit us at 958 W Monroe St, official correspondence should be sent to P.O. Box 27 in Jackson, MI 49204. We look forward to welcoming you soon! Come by or give us a call today; let's make your banking experience smooth and enjoyable!

Member Eligibility

At South Central, we believe that everyone deserves a chance to be part of a supportive community where financial dreams can flourish. Becoming a member is easier than you might think! If you live, work, worship, or attend school in the Jackson area, you're likely eligible to join us. We warmly welcome individuals from all walks of life, and our commitment to serving our members means you'll enjoy personalized service and competitive rates on loans and savings accounts. To find out if you're eligible, please check out the detailed criteria at https://www.southcentralcu.org/membership-application. Once you've confirmed your eligibility, opening an account is just a few simple steps away. You can start the process by visiting us at https://www.southcentralcu.org/apply-for-a-loan. If you have any questions or need assistance, don't hesitate to give us a call at (517) 787-2220. Join us at South Central, located at 958 W Monroe St Jackson Mi 49202, and take your first step towards a brighter financial future!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans funded, we are eager to discuss how we can assist you in the future.

Merchant Services

Imagine having a reliable partner who simplifies your payment processing needs. Our merchant services make it easy for you to accept payments from customers, whether in-person or online. This means more time for you to focus on growing your business while ensuring your cash flow remains steady. Located at 958 W Monroe St Jackson Mi 49202 in Jackson, MI, our team is here to support local businesses like yours. Let's work together to find the right solutions for your financial needs and help your enterprise reach new heights! For more information, call us at (517) 787-2220 or visit our website at South Central Credit Union.

Comprehensive List Of Services

Business Banking Solutions

For small business owners in our community, South Central provides comprehensive business banking services. From merchant services that simplify payment processing to business loans designed to help your venture thrive, we are here to support local businesses every step of the way.

Convenient Access Anytime

We understand that convenience is key when it comes to banking. That's why we offer 24/7 access through our online and mobile banking systems. You can check balances, transfer funds, and pay bills from anywhere at any time. Our ATM services also allow for quick cash withdrawals and balance checks without having to visit the branch. If you prefer in-person assistance, our drive-thru service makes it easy to conduct simple transactions like deposits and withdrawals without leaving your vehicle.

Get Started Today!

With so many options available at South Central, there's something for everyone. Ready to take control of your finances? Visit us at 958 W Monroe St Jackson Mi 49202 or call us at (517) 787-2220 for more information about how we can assist you today! Explore all our services at South Central Credit Union online or drop by for a friendly chat with our dedicated staff who are eager to help you achieve your financial goals.

Personal Banking Made Easy

Our personal banking services include checking and savings accounts that help you manage your money effectively. Imagine having a checking account with no monthly fees that lets you access your funds anytime through our online and mobile banking platforms. With features like e-statements and mobile payments, managing your finances has never been easier. If you're considering buying a car or need financing for a vehicle, our auto loans are flexible and competitive, ensuring you can drive away with confidence. For those looking to invest in property, our mortgage loans and refinancing options are tailored to fit different budgets and lifestyles.

Support for Life’s Financial Needs

Life can bring unexpected expenses, and that's where our personal loans come into play. Whether you're consolidating debt or covering an emergency expense, we offer personal loans that can help you regain control of your finances. Plus, our credit cards with rewards give you the opportunity to earn benefits while making everyday purchases.

Digital & Online Banking

Key Features

With our 24/7 online banking services, you can check your account balances, pay bills, and transfer funds without ever stepping foot in a branch. Plus, if you prefer going paperless, we provide e-statements that allow you to view your financial statements online quickly and securely. Our mobile application makes banking on the go a breeze. Whether you're shopping or just out and about, you can use our mobile payments feature to make purchases directly from your phone. Additionally, our app supports person-to-person transfers, so sending money to friends or family is as easy as a few taps on your screen. We also prioritize security with electronic signature authorization, ensuring that your transactions are safe and valid. All of these features are user-friendly, making it simple for anyone to navigate their accounts with confidence. At South Central, we believe that banking should fit into your lifestyle seamlessly. With real-time account management at your fingertips, you'll have peace of mind knowing you can handle your financial needs whenever they arise. Experience the ease of modern banking today!

Financial Strength

A Growing Community

Total Share and Deposit Accounts stand at 12,182, showcasing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $11,135,744, reinforcing our commitment to supporting your financial journey. 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 958 W Monroe St Jackson Mi 49202 or call (517) 787-2220 to learn more about how we can help you achieve your financial goals.

Commitment to Excellence

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. Our lending capacity supports members' financial goals across various sectors with $1,371 in used auto loans and $39,751,090 in total loans and leases. Our operational efficiency is highlighted by our $0, allowing 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.

Member-Centric Savings

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.

Strong Financial Foundation

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.

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 know that purchasing a vehicle is an important decision, and our team is here to guide you through every step of the financing process.

Credit Lines

If you need additional flexibility for unexpected expenses or ongoing projects, our total credit lines amounting to $10,000,000 can provide the necessary support. You can access funds as needed while maintaining control over your budget. At South Central located at 958 W Monroe St Jackson MI 49202, we pride ourselves on being part of your community. For more information about our loan products or to apply for a loan today, please call us at 517-787-2220 or visit our website at southcentralcu.org. 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!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $623,377, make buying or refinancing simple. We offer various terms and conditions tailored to fit your financial situation. Our experienced staff can help you understand eligibility requirements and assist you in making an informed decision.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,841,483 in loans helping members manage their finances effectively. This option provides you with the freedom to make purchases without collateral while benefiting from competitive interest rates.

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South Central