Southern Security Credit Union Grenada MS | Affordable Auto Loans & ATM Services

Introduction

Welcome to Southern Security, your trusted financial partner located at 1360 Sunset Dr Ste 6, Grenada, MS 38901. Established in 1949, we have proudly served our community for over seven decades, growing alongside our members and adapting to their changing needs. With a strong commitment to providing personalized banking solutions, we currently support 19,639 members who trust us with their financial journeys. At Southern Security, we understand that every member is unique, which is why we offer a range of services tailored just for you. From personal checking and savings accounts to auto loans, mortgages, and business banking options, we are here to help you achieve your financial goals. Our total assets stand at an impressive $238,734,879, with total deposits reaching $14,980,666. This solid foundation allows us to provide competitive loan options over 6,126 loans and leases are currently funded through our credit union. Led by our dedicated CEO, Dawn Graeter, and Board President Roland Wilks, our team of 55 employees is committed to ensuring that your experience with us is exceptional. We pride ourselves on fostering a friendly atmosphere where members feel valued and supported. You can reach us at 662-226-0299 during our lobby hours from 8:30 AM to 4:30 PM, Monday through Friday. While you can visit us at our branch for all your banking needs, if you need to send official correspondence, please address it to our mailing address: PO Box 310, Collierville, TN 38027. Join the Southern Security family today and discover how we can help you navigate your financial future with confidence. For more information or to explore our services further, visit our website at southernsecurity.org. Your journey towards financial wellness starts here!

Branch History & Mission

Welcome to Southern Security in Grenada, Mississippi, where our journey began in 1949. Over the decades, we have grown from a small credit union into a thriving financial institution serving over 19,600 members. Today, we proudly manage total assets of $238,734,879 and are dedicated to providing our community with exceptional financial services. Located at 1360 Sunset Dr Ste 6 Grenada, MS 38901, our branch is easily accessible for all your banking needs. We invite you to visit us during our operating hours from Monday to Friday, 8:30 AM to 4:30 PM. While members can visit us at this location for personal service, official correspondence should be sent to PO Box 310, Collierville, TN 38027. At Southern Security, our mission is clear: we strive to offer personalized banking solutions that empower individuals and support local businesses. Our services include checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing options, as well as credit cards with rewards. We also prioritize convenience with online and mobile banking options available for all members. Our commitment goes beyond just banking. We believe in supporting our community through various outreach efforts and partnerships that enhance the lives of those around us. By promoting financial literacy and offering resources tailored to local needs, we aim to uplift everyone in Grenada and surrounding areas. As we continue to embrace technology, Southern Security remains dedicated to ensuring all members enjoy secure digital experiences. From mobile payments to electronic signatures, we are here to simplify your banking journey while maintaining the highest standards of service. Join us at Southern Security today! Experience firsthand how we can help you achieve your financial goals while being an active part of a caring community. Together, let's build a brighter future for all. For more information or assistance, feel free to reach out at 662-226-0299 or visit our website at southernsecurity.org.

Branch Location & Accessibility

ATM Availability and Additional Features

For added convenience, our branch offers ATM services so you can easily withdraw cash or check your balance anytime. While we currently do not have drive-thru banking available, our team is always on hand inside the branch to assist with any transactions or inquiries. While members can visit us at 1360 Sunset Dr Ste 6 for all their banking needs, official correspondence should be sent to our mailing address at PO Box 310 in Collierville, TN. If you have questions or need assistance before visiting us, don't hesitate to give us a call at 662-226-0299.

Accessibility and Parking

At Southern Security, we understand the importance of accessibility. Our branch is designed with features that accommodate all members, including ADA compliance and ramps for easy entry. Ample parking is available right outside our doors, so you can stop by without the hassle of searching for a spot.

Operating Hours and Services

We're here to serve you Monday through Friday from 8:30 AM to 4:30 PM. Whether you're looking to open a new checking account, discuss auto loans, or explore mortgage options, our friendly staff is ready to help. We offer a range of services including personal banking, business banking, and online banking solutions, ensuring you have access to everything you need right when you need it.

Visit Us Today!

At Southern Security, we are committed to providing exceptional service and support to all our members. We invite you to stop by today and see how we can help you achieve your financial goals!

Member Eligibility

Becoming a member of Southern Security is like joining a warm, welcoming family dedicated to your financial well-being. To qualify for membership, you simply need to live, work, worship, or attend school in the areas we serve. This means that if you're part of our community in Grenada and beyond, you're already on your way to enjoying all the benefits we offer! Membership opens the door to a range of services designed just for you, from personal loans and credit cards to savings accounts that help you reach your goals. The process of becoming a member is straightforward and friendly. You can find more details about eligibility by visiting our website at . If you're ready to take the next step, opening an account is easy just check out the information available at http://www.southernsecurity.org/auto . If you have any questions or need assistance, don't hesitate to give us a call at (662) 226-0299. We're excited to welcome you to Southern Security, located at 1360 Sunset Dr Ste 6 Grenada Ms 38901, where your financial journey begins!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $26 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $6,383,980, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that make it easy for you to manage your transactions. Picture this: a busy Saturday at your store where customers are eager to buy. With our efficient payment processing solutions, you can focus on serving your customers while we handle the transactions smoothly and securely. Located at 1360 Sunset Dr Ste 6, Grenada, MS 38901, our branch is ready to help you achieve your business goals. Reach us at 662-226-0299 during lobby hours from 8:30 AM to 4:30 PM, Monday through Friday. Let's work together to fuel your success!

Comprehensive List Of Services

Accessibility & Support

We understand that financial transactions should be hassle-free. That's why we ensure our services are accessible whenever you need them. Our branch operates Monday through Friday from 8:30 AM to 4:30 PM, but with our digital banking options, assistance is available around the clock. If you have any questions or need further assistance, don't hesitate to contact us at 662-226-0299. Our friendly staff is always ready to help guide you through any of our services or answer any questions you may have. At Southern Security, we're committed to supporting your financial journey every step of the way. Explore all that we offer today by visiting us online at southernsecurity.org, or stop by our branch in Grenada! Your financial peace of mind starts here.

Business Banking

For our members who run businesses, Southern Security provides essential services like merchant services and business loans. These offerings are designed to support your growth and help streamline your operations.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we have invested in robust online and mobile banking platforms. You can check balances, transfer funds, or pay bills right from your smartphone or computer. Our features include ATM access for cash withdrawals and balance checks, making it easy to get cash when you need it.

Personal Banking

Our personal banking services are designed to simplify your everyday financial activities. With options like checking and savings accounts, you can easily manage your funds while enjoying competitive interest rates. If you're in the market for a new vehicle, our auto loans and vehicle financing options can help you drive away in style without breaking the bank. For those looking to buy a home, we offer mortgage loans and refinancing solutions that make owning a home more attainable. In addition to these, our personal loans and debt consolidation services provide flexibility when you need extra cash or want to manage existing debts more effectively. We also offer credit cards with rewards, allowing you to earn points on your purchases that can be redeemed for various perks.

Digital & Online Banking

E-Statements and Accessibility

We also provide e-statements to help you keep track of your financial activities without the clutter of paper statements. This not only helps the environment but also allows for quick access to your documents whenever you need them. At Southern Security, we believe banking should be accessible for everyone. Our services are designed with ease-of-use in mind so that all members can confidently navigate their finances. Whether you're checking your balance or transferring money, you'll find everything straightforward and secure. Experience the future of banking today with Southern Security where convenience meets reliability! For more information on our digital services, visit us at https://southernsecurity.org/ .

Key Services

Our online banking system provides 24/7 access to your accounts, allowing you to check balances, pay bills, and transfer funds at your convenience. Whether you're at home or on the go, managing your money has never been simpler. Plus, with features like person-to-person transfers, sending money to friends or family is quick and hassle-free. For those who prefer mobile banking, our dedicated mobile application gives you full control over your finances right from your smartphone. You can enjoy the ease of mobile payments, making transactions with just a tap. And if you're concerned about security, rest assured that our electronic signature authorization feature keeps your information safe while allowing for easy document signing.

Financial Strength

A Growing Community

Total Share Accounts stand at 39,798, showcasing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) currently sit at $0, which highlights our commitment to maintaining liquidity while ensuring that funds are utilized effectively for the benefit of our members. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Southern Security is your trusted partner. Visit us at 1360 Sunset Dr Ste 6 Grenada MS 38901 or call 662-226-0299 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

A Strong Financial Foundation

With a net worth of $23,493,414, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.84% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Member Savings at the Forefront

Your savings are secured through $29,749,814 in share certificates and $19,413,948 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 focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operations reflect our efficiency with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We proudly employ 54 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvesting for Your Benefit

With $22,462,573 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve you better. This allows us to support your financial goals across various sectors with $152,241,322 in total loans and leases, including $12,486,036 in auto loans alone.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $20,786,036 in used vehicle loans and $11,183,351 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles to ensure you find something that fits your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $6,383,980 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance your current operations, we are here to support you every step of the way. No matter what type of loan you're considering at Southern Security located at 1360 Sunset Dr Ste 6 Grenada MS 38901, our team is here to guide you through the process. You can reach us at (662) 226-0299 during our operating hours from Monday to Friday between 8:30 AM and 4:30 PM. Explore our loan offerings today by visiting our website, where 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 solution for your financial needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,878,675, make buying or refinancing simple. We also provide refinancing options to help lower your monthly payments or access equity from your home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,727,931 in loans helping members manage their finances effectively. This option is perfect for those who prefer not to secure their borrowing against assets.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. By focusing on transparency and reliability, LendMesh empowers users to make informed financial decisions without the confusion often associated with loan shopping. LendMesh ensures accurate loan comparisons through its commitment to sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means that all loan offers displayed are based on the latest results from trusted financial entities (Source: https://www.ncua.gov ), ensuring fair and transparent offers for users. The benefits of using LendMesh are significant: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that serve your best interests. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can easily compare options and find the best fit for their needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the practical benefits of using a reliable comparison tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

SOUTHERN SECURITY FEDERAL CREDIT UNION