SOUTHERN COASTAL FEDERAL CREDIT UNION - Biloxi, MS

Welcome to Southern Coastal, your trusted partner in financial growth and community support! Located at 677 Dr Martin Luther King Jr Blvd, Biloxi, MS 39530, we have been serving our members since 1973, building a legacy of trust and reliability. With a total membership of 1,552 and assets totaling an impressive $12,942,979, we are committed to providing personalized financial solutions that empower you to achieve your goals. At Southern Coastal, we pride ourselves on our member-first approach. Whether you're looking for loans or savings options, our dedicated team of 6 employees, led by CEO Alison Crawford and Board President Harold Windom, is here to guide you every step of the way. As a member-owned credit union, we focus on creating value for our members rather than maximizing profits. Our financial stability is reflected in our total deposits of $2,455,064 and net worth of $2,408,088. With cash in hand amounting to $53,395, we're well-positioned to meet your banking needs while ensuring your money is secure. We currently offer a variety of loans with a total count of 1,107, making it easier for you to finance your dreams. While members can visit us at our branch location for services like basic drive-thru banking and ATM access, official correspondence should be sent to our mailing address: PO BOX 503, BILOXI, MS 39533. We invite you to explore how we can help you achieve financial wellness. Reach out to us today at (228) 432-0284 or visit our website at socofcu.org. Your journey towards better financial health starts here!

Southern Coastal Credit Union has been a cornerstone of financial support and community engagement since its inception in 1973. Located at 677 Dr Martin Luther King Jr Blvd, Biloxi, MS 39530, this branch has grown alongside its members, reflecting their needs and aspirations. With a total membership of over 1,500 and assets amounting to $12942979, Southern Coastal stands as a testament to the power of community-focused banking. From humble beginnings, Southern Coastal has evolved into a trusted financial partner for countless individuals and families in Biloxi and the surrounding areas. Our mission is simple yet profound: to provide accessible financial services while fostering a strong sense of community. We are dedicated to empowering our members through reliable banking options, education, and personalized service. Our operating hours are convenient for our members Monday through Friday from 9 AM to 4:30 PM making it easy for you to stop by when it suits your schedule. Additionally, we offer ATM services and drive-thru banking for quick transactions like deposits and withdrawals. While our main office is located at the heart of Biloxi, official correspondence can also be sent to our mailing address at PO BOX 503, BILOXI, MS 39533. The Southern Coastal team believes that true success comes from lifting each other up. We actively engage in community outreach efforts and partnerships that enhance the well-being of our members. Our commitment extends beyond banking; we strive to make a positive impact in the lives of those we serve. As we continue to embrace digital advancements, including online banking options and electronic signatures, we remain committed to ensuring that all our services are user-friendly and accessible to everyone. We take pride in being ADA compliant, ensuring that all members can easily access our facilities. Join us at Southern Coastal Credit Union where your dreams matter! Experience firsthand how we blend tradition with innovation to meet your financial needs while supporting our vibrant community. For any inquiries or assistance, feel free to reach us at (228) 432-0284. Together, let's build a brighter financial future!

At Southern Coastal, we believe that becoming a member is about joining a supportive community where you can feel valued and understood. If you're interested in joining us, it's quite simple! Generally, anyone who lives, works, worships, or attends school in our local area is eligible for membership. This means that if you're part of our vibrant Biloxi community or nearby, you likely qualify to take advantage of the many benefits we offer, including competitive loans, savings options, and personalized service. For a detailed overview of eligibility criteria, feel free to check out our resource at . Once you confirm your eligibility, opening an account with us is straightforward and welcoming. You can easily get started by visiting our website or giving us a call at (228) 432-0284. Our friendly staff will guide you through the process so you can quickly become part of the Southern Coastal family. We're excited to have you join us at our branch located at 677 Dr Martin Luther King Jr Blvd Biloxi Ms 39530!

At Southern Coastal, we understand that managing your finances should be easy and secure. That's why we offer a range of digital and online banking services designed to give you control over your money, anytime and anywhere. Whether you're at home or on the go, our online tools are here to make your banking experience smooth and convenient. One of the standout features of our services is our robust online banking platform available at https://socofcu.org/ . With 24/7 access, you can check balances, pay bills, and transfer funds at your convenience. No more waiting in lines; everything you need is just a click away. For those who prefer using their mobile devices, we have a user-friendly mobile application. This app allows you to manage your accounts right from your smartphone, making it easier than ever to stay on top of your finances while you're out and about. You can even send money to friends and family instantly with our person-to-person transfers feature. Security is a top priority at Southern Coastal. Our digital services include electronic signature authorization, ensuring that your transactions are safe and verified. Plus, our e-statements make it simple to keep track of your financial activity without the clutter of paper statements. While we currently do not offer mobile payments, our focus remains on providing secure and accessible banking solutions for all our members. You can trust that every interaction with us is protected and designed with your needs in mind. Overall, our digital banking options not only enhance accessibility but also provide real-time account management so you can take charge of your financial journey confidently. Visit us today at https://socofcu.org/ to explore how our online banking services can benefit you!

At Southern Coastal, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength with you, demonstrating our commitment to providing reliable and trustworthy services. With a net worth of $2,408,088, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,861 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $2,959,482 in share certificates, 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. In addition to our robust net worth, we have $2,380,259 in undivided earnings. This allows us to reinvest in innovative banking tools and stronger lending options, all designed to serve you better. With $200 in used auto loans and $8,581,842 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our success is reflected in our operational efficiency as shown by our $27,829. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $3,344. Additionally, Total Share and Deposit Accounts: 2,786, showcasing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Southern Coastal is your trusted partner. Visit us at 677 Dr Martin Luther King Jr Blvd Biloxi Ms 39530 or call (228) 432-0284 to learn more about how we can help you achieve your financial goals.