Southern Energy Credit Union Atlanta GA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Southern Energy, your trusted financial partner located at 30 Ivan Allen Jr Blvd NW, Atlanta, GA 30308. Established in 1953, we have proudly served our community for decades, building a strong foundation of trust and support for our members. With a commitment to providing personalized banking solutions, we currently serve over 90,641 members, helping them achieve their financial goals. At Southern Energy, we understand the importance of reliable financial services. Our total assets stand impressively at $3,616,698,162, reflecting our dedication to maintaining stability and growth for our members. Whether you're looking for auto loans, mortgages, or personal banking services, we have tailored solutions that fit your needs. Our branch is led by CEO Derrick Ragland and guided by our Board President Gregg Shipp, both of whom are deeply committed to enhancing your banking experience. With a robust team of 174 employees, we're here to assist you with friendly service and expert advice. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: 30 Ivan Allen Jr Blvd NW, Suite 110, Atlanta, GA 30308. With total deposits reaching $495,220,142 and a net worth of $504,995,879, Southern Energy is well-equipped to support your financial journey. We also maintain a healthy cash reserve of $5,818,673, ensuring that we are always ready to help when you need us the most. We invite you to explore the range of services we offer from checking and savings accounts to credit cards with rewards and business banking solutions. For more information or to get started today, please visit our website at southernenergycu.org or call us at 404-506-3750. Experience the Southern Energy difference where community meets commitment!

Branch History & Mission

Community Focus

Southern Energy believes in giving back to the community that has supported us throughout the years. We engage in various outreach programs aimed at educating members about financial literacy and supporting local initiatives that uplift our neighborhoods. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to 30 Ivan Allen Jr Blvd NW, Suite 110, Atlanta, GA 30308 if needed. As we look ahead, we invite you to join us on this exciting journey! Experience firsthand how Southern Energy can make a difference in your life through personalized service and community-driven values. Together, let's build a brighter financial future! For any inquiries or assistance, feel free to reach out at 404-506-3750.

Our Evolution

From our humble beginnings at 30 Ivan Allen Jr Blvd NW, Atlanta, GA 30308, Southern Energy has evolved into a cornerstone of financial support for individuals and families alike. We take pride in our ability to adapt to the changing landscape of banking and technology while maintaining a personal touch. Our branch is conveniently located near key city landmarks, making it easy for members to access services that matter most to them.

Our Mission

At Southern Energy, our mission goes beyond just providing banking services; we are committed to fostering community growth and enhancing the financial well-being of all our members. We strive to offer a range of services that include personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our goal is to ensure that each member feels supported on their financial journey. We understand that accessibility is key in today's fast-paced world. While we do not currently offer ATM or drive-thru services at this location, we ensure our digital platforms are user-friendly and ADA compliant. Members can easily manage their finances through online banking and mobile applications designed with convenience in mind.

Branch Location & Accessibility

Welcome to Southern Energy, your friendly neighborhood credit union located at 30 Ivan Allen Jr Blvd NW in the vibrant city of Atlanta, GA. Our branch is conveniently situated near popular landmarks like the Georgia Aquarium and the World of Coca-Cola, making it easy for you to stop by while enjoying all that downtown has to offer. At Southern Energy, we understand that accessibility is key. Our branch is designed to be welcoming for everyone, featuring ADA-compliant ramps and ample parking options for your convenience. Whether you're coming in for personal banking services or just stopping by to ask a question, our team is here to help. We are open Monday through Friday from 9 AM to 4 PM, providing you with plenty of time during your busy week to take care of your financial needs. If you have any questions or need assistance, don't hesitate to call us at 404-506-3750; our friendly staff is always ready to assist you. While we don't offer ATM services or drive-thru banking at this location, we provide a full range of personal and business banking services including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. For any official correspondence, please send your mail to our mailing address: 30 Ivan Allen Jr Blvd NW, Suite 110, Atlanta, GA 30308. We invite you to visit us at Southern Energy your financial partner in the heart of Atlanta! Come see how we can support your financial journey today!

Member Eligibility

Becoming a member of Southern Energy feels like joining a warm and welcoming family where your financial well-being is the priority. At Southern Energy, we invite anyone who lives, works, worships, or attends school in the Atlanta area to join our community. This means that if you're part of this vibrant city, you're eligible to access all our benefits, including competitive rates on loans and personalized service tailored just for you. You can find more details about eligibility on our website at . Opening an account is a breeze! Just swing by our branch located at 30 Ivan Allen Jr Blvd Nw Atlanta Ga 30308 or give us a call at (404) 506-3750 for more information. We're here to help make your banking experience as smooth as possible and ensure you feel right at home with us. Join us today and discover the advantages of being part of the Southern Energy family!

Business Banking & Commercial Services

Merchant Services That Make Sense

In today's fast-paced world, having reliable merchant services is crucial. Our solutions enable you to accept payments seamlessly, giving your customers flexibility while ensuring your cash flow remains steady. Picture this: a customer walks into your store and can pay with their card or mobile wallet instantly. This not only enhances their shopping experience but also boosts your sales potential. Explore how our business banking services at Southern Energy, located at 30 Ivan Allen Jr Blvd Nw Atlanta Ga 30308 in Atlanta, GA, can help elevate your business. Connect with us today at (404) 506-3750 to learn more about how we can assist you on your journey to success!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. Imagine having access to funding that allows you to purchase new equipment, invest in technology, or hire additional staff. These resources can be the difference between stagnation and success.

Comprehensive List Of Services

Business Banking Services

For small business owners, we offer tailored business banking services, including merchant services and business loans. We know how crucial it is to have reliable financial support for growing businesses. Our dedicated team is here to assist you at every step of your journey.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options that allow you to manage your finances anytime, anywhere. You can check balances, transfer funds, or pay bills all from the palm of your hand. Plus, with features like ATM and cash withdrawal services, accessing your money has never been easier. At Southern Energy, we believe that everyone deserves access to comprehensive financial solutions. Whether you're planning for the future or managing day-to-day expenses, we're here to help you every step of the way. If you have any questions or would like more information about our services, don't hesitate to reach out! Call us at (404) 506-3750 or visit us at 30 Ivan Allen Jr Blvd Nw Atlanta Ga 30308 in Atlanta, GA. Let us assist you in achieving your financial goals today!

Credit Options

Our members also benefit from credit cards with rewards programs. This means every time you use your card for purchases, you're earning points that can be redeemed for various benefits making spending work in your favor!

Personal Banking Solutions

Navigating your finances can sometimes feel overwhelming, but with our personal banking options, it doesn't have to be. We offer checking and savings accounts designed to help you manage your money effectively. Imagine having a place where your funds are safe, while also earning interest on your savings. Our accounts come with features that simplify everyday banking tasks. If you're in the market for a vehicle, our auto loans and vehicle financing services can help you drive away in the car of your dreams. We understand that purchasing a vehicle is a significant commitment, and we strive to provide competitive rates that fit your budget. Additionally, if you're considering buying a home or refinancing your current mortgage, our mortgage loans and refinancing options provide flexibility and affordability to make homeownership achievable. For those unexpected expenses or consolidating debt, our personal loans can offer the financial relief you need. With straightforward terms and competitive rates, we aim to assist you in making sound financial decisions.

Digital & Online Banking

E-Statements for Easy Tracking

Say goodbye to cluttered mailboxes! Our e-statements feature allows you to receive and view your statements electronically, making it easy to track your spending and stay organized. This feature not only helps reduce paper waste but also gives you quick access to important financial documents whenever you need them. In summary, the digital banking services at Southern Energy are tailored for ease-of-use and accessibility. With tools like online banking, e-statements, and mobile payments, staying on top of your finances has never been more straightforward. Explore all these features today and experience banking made simple!

Key Features

Enjoy the flexibility of person-to-person transfers with just a few taps on your screen. Want to send money to a friend? It's easy! You can also take advantage of mobile payments, allowing you to make purchases directly from your smartphone no need to carry cash or cards. We prioritize your security too. While we don't offer electronic signature authorization at this time, our systems are built with strong safeguards to protect your personal information. Your peace of mind matters to us.

Financial Strength

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Southern Energy is your trusted partner. Visit us at 30 Ivan Allen Jr Blvd Nw Atlanta Ga 30308 or call (404) 506-3750 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

Members' savings are secured through $1,239,867,156 in share certificates and $23,862,866 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 $2,556,911 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 160 full-time employees and 14 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With total share accounts reaching 181,186, it's clear that our member base trusts us with their finances.

Reinvestment for Growth

With $20,000,000 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 $5,959 in used auto loans and $931,751,118 in total loans and leases.

Strong Financial Health

With a net worth of $504,995,879, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,396 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 $97,882,808 in new vehicle loans and $97,804,327 in used vehicle loans already helping members get on the road. Whether you want a brand-new model or a reliable used vehicle, our flexible financing options can make it happen.

Credit Lines

For those who prefer more flexibility in their borrowing options, our credit lines total $953,814,250, providing easy access to funds for various needs. This product offers the convenience of withdrawing money as needed while only paying interest on what you use. At Southern Energy located at 30 Ivan Allen Jr Blvd NW Atlanta GA 30308, our team is dedicated to assisting you through every step of the loan process. Feel free to reach out to us at 404-506-3750 if you have any questions about our loan offerings or how we can assist you further. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Explore your options today and take the next step toward achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $46,353,576. We strive to make buying or refinancing simple and straightforward for our members. If you're considering refinancing your current mortgage, we have solutions tailored to your needs as well.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $35,425,468 in loans helping members effectively manage their finances. Enjoy the convenience and peace of mind that comes with having access to funds when you need them most.

Loan Aggregator

Benefits of Using LendMesh

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SOUTHERN ENERGY CREDIT UNION - Atlanta, GA