Southern Coastal Credit Union Biloxi MS | Basic ATM & Drive-Thru Services

Introduction

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!

Branch History & Mission

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!

Branch Location & Accessibility

Contact Us Today!

Should you have any questions or need assistance, don't hesitate to reach out! You can call us at 228-432-0284. While members can visit us at our branch address, please remember that official correspondence should be sent to PO BOX 503 in Biloxi, MS 39533 if different from our physical location. We invite you to come by and discover how Southern Coastal can support your financial needs today!

Easy Access and Convenient Services

We understand that convenience is key when it comes to banking. That's why we offer a variety of services right here at our branch. Enjoy the ease of ATM access for quick withdrawals and balance checks, and utilize our basic drive-thru banking for deposits and simple transactions without leaving your car. We also ensure that our location is ADA compliant, with ramps and accessible features so everyone can bank with ease.

Operating Hours Tailored for You

At Southern Coastal, we want to be available when you need us most. Our lobby hours are Monday through Friday from 9 AM to 4:30 PM, providing ample time for you to stop by during your day. Whether you're running errands or making a special trip just for us, we're here to help!

Member Eligibility

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!

Business Banking & Commercial Services

Merchant Services for Everyday Needs

In addition to loans, we offer practical merchant services that simplify your daily operations. Whether you're processing payments through point-of-sale systems or managing cash flow efficiently, our tools are here to make running your business smoother. Picture this: you're at a bustling market, and with just a quick swipe of a card, your customer completes a purchase without hassle this is the convenience we aim to provide. Located at 677 Dr Martin Luther King Jr Blvd Biloxi Ms 39530 in Biloxi, MS, our team is ready to discuss how we can help your business thrive. Reach out today at (228) 432-0284 and let's explore the possibilities together!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have not disbursed any member or non-member commercial loans, we are eager to assist local entrepreneurs in achieving their financial goals. Imagine how a tailored loan could help you purchase new equipment, hire staff, or even open a new location!

Comprehensive List Of Services

ATM and Drive-Thru Services

We understand that convenience is key when it comes to managing your finances. That's why we offer ATM Services Only, allowing you to easily access your funds with straightforward transactions like withdrawals and balance checks. If you prefer face-to-face interaction, our Basic Drive-Thru Banking enables you to handle deposits, withdrawals, and other simple transactions without leaving your vehicle. Whether you are rushing to work or picking up the kids, our drive-thru service makes it easy to fit banking into your busy life.

Digital Banking Features

In today's fast-paced world, having access to your account anytime and anywhere is crucial. At Main Office, we provide an easy-to-use online banking platform where you can manage your accounts from the comfort of your home or on the go. With features like electronic statements, you're empowered to track your finances efficiently while reducing paper clutter. Plus, our mobile application ensures that all essential banking tasks are just a tap away.

Get in Touch

If you have questions about how our services can benefit you or if you're ready to experience our friendly service firsthand, don't hesitate to reach out! Call us at (228) 432-0284 or visit us during our operating hours from Monday to Friday, 9 AM to 4:30 PM. We're here to help you navigate your financial journey with ease. Join us at Southern Coastal and discover how we're dedicated to making banking simple and accessible for everyone in Biloxi, MS. Visit our website at https://socofcu.org/ for more information!

Member-Centric Approach

Our commitment goes beyond just providing services; it's about building relationships with our members. We listen to your needs and adapt our offerings accordingly. From first-time account holders needing guidance on how to start saving, to seasoned members looking for convenient transaction options, we strive to create solutions that work for everyone.

Digital & Online Banking

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!

Financial Strength

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,537,623 in used vehicle loans and $3,175,584 in new vehicle loans already helping members get on the road. We provide flexible terms tailored to meet your budget and ensure that you can drive away with confidence.

Credit Lines

For those who need additional flexibility in their finances, we provide credit lines totaling $500,000. This option is perfect for unexpected expenses or larger purchases. Our branch is located at 677 Dr Martin Luther King Jr Blvd Biloxi Ms 39530, and our friendly team is ready to assist you with any inquiries you may have. Feel free to give us a call at 228-432-0284 during our operating hours from Monday to Friday between 9 am and 4:30 pm. For more information about our loan products or eligibility options, please visit us online at Southern Coastal. 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 solution today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not have Junior Lien 1-4 Family Residential Properties loans available at this time, we encourage you to inquire about our future offerings.

Unsecured Credit Card Loans

Managing finances can be challenging. We also offer flexible terms on unsecured credit card loans; however, as of now, we have not issued any unsecured credit card loans yet. When available, these cards can help you manage expenses while enjoying peace of mind.

Loan Aggregator

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