The Southern Credit Union Fayetteville GA | Best Auto Loans & Business Banking

Introduction

Welcome to The Southern, your trusted partner in financial well-being since 1963. Located at 430 Lanier Ave E, Fayetteville, GA 30214, we are dedicated to serving our community with a range of personalized banking solutions. With over 31,340 members, we pride ourselves on building lasting relationships and providing the support you need to achieve your financial goals. At The Southern, we understand that every member has unique needs. That's why we offer an extensive array of services from checking and savings accounts to auto loans and business financing. Our total assets now stand at an impressive $535,122,494, reflecting our commitment to stability and growth for our members. While members can visit us at our Fayetteville branch, official correspondence should be sent to PO Box 1509, Fayetteville, GA 30214. Our team is always ready to assist you during our lobby hours Monday through Friday from 9:00 AM to 4:00 PM, and Saturdays from 9:00 AM to Noon. You can also reach us by phone at 800-338-5882 for any inquiries or assistance. Under the leadership of CEO Ray Hull and Board President Morris Kelly, we strive to foster a culture of trust and transparency. With a net worth of $60,751,154 and total deposits amounting to $23,633,515, we are well-equipped to meet your financial needs today and into the future. Join us at The Southern and discover how we can help you navigate your financial journey with confidence! Visit our website at southernonline.org or stop by our branch today!

Branch History & Mission

Join Us!

The Southern is not just a credit union; it's a place where you belong. Whether you're looking for personal loans or need assistance with business financing, our friendly team is here to help you every step of the way. We invite you to become part of something bigger than just banking become part of a community focused on growth and support. Visit us today or explore more about what we offer at southernonline.org. Experience the benefits of being a member at The Southern and let us help you achieve your financial goals!

Our Journey

Since our inception in 1963, The Southern has witnessed remarkable growth and change. We started with a simple mission: to provide accessible financial services to our members while fostering a sense of community. Throughout the years, we have expanded our offerings to include personal banking, auto loans, mortgage financing, business banking solutions, and more. Our commitment to member satisfaction remains unwavering as we adapt to meet the changing needs of our diverse membership. As we continue to grow, we've invested in technology and infrastructure to ensure that our services remain top-notch. Our online banking platform allows members to manage their accounts anytime and anywhere. We also offer mobile applications for added convenience. With one ATM available and drive-thru services for quick transactions, we strive to make your banking experience as smooth as possible.

Our Mission

At The Southern, our mission is clear: we are committed to enhancing the financial well-being of our members while making a positive impact on the community. We believe that financial success goes hand-in-hand with community support. That's why we engage in various outreach programs aimed at helping local organizations and initiatives. While you can visit us at our branch address for all your banking needs, official correspondence should be sent to PO Box 1509, Fayetteville, GA 30214 if different from your visit. Our operating hours are designed for your convenience: Monday through Friday from 9:00 AM to 4:00 PM in the lobby and Saturday from 9:00 AM to noon.

Branch Location & Accessibility

Come Visit Us!

We invite you to experience the difference at The Southern. Whether you're new to banking or a long-time member, our team looks forward to serving you. If you have any questions or need assistance, feel free to call us at (800) 338-5882. We can't wait to see you soon!

Convenient Access and Nearby Landmarks

Situated close to popular local landmarks, our branch is just a short drive from the Fayette County Public Library and the beautiful Lake Horton Park. This prime location means you can easily combine your banking errands with other activities in the area. We offer ample parking spaces for our members, along with ADA-compliant features that ensure everyone can comfortably visit us.

Operating Hours Tailored to Your Needs

We understand that life gets busy, so we've designed our operating hours to fit your schedule. Our lobby is open Monday through Friday from 9:00 AM to 4:00 PM, and on Saturdays from 9:00 AM until noon. For those who prefer drive-thru services, we're available Monday through Friday from 8:30 AM to 5:00 PM. This flexibility allows you to choose what works best for you.

Services Designed for You

At The Southern Fayetteville branch, we offer a variety of services tailored to meet your banking needs. From personal checking and savings accounts to auto loans and mortgage refinancing, our friendly staff is ready to assist you every step of the way. Additionally, if you're looking for quick cash withdrawals or balance checks, we have an ATM on-site for your convenience. While members can visit us at 430 Lanier Ave E Fayetteville Ga 30214, official correspondence should be sent to our mailing address at PO Box 1509, Fayetteville, GA 30214.

Member Eligibility

Joining The Southern feels like becoming part of a close-knit family, and we're excited to welcome you! To be eligible for membership, you need to live, work, or worship in our local community or have a family member who is already a member. This means that if you're connected to our Fayetteville area, you're likely eligible to enjoy the benefits we offer. At The Southern, we pride ourselves on providing personalized service and a range of financial products tailored to meet your needs. From checking accounts to auto loans, our goal is to help you achieve your financial dreams. Becoming a member is simple! Just visit us at our branch located at 430 Lanier Ave E Fayetteville Ga 30214, or check out more details about eligibility on our website at http://www.southernonline.org/membership . If you're ready to open an account, you can find everything you need at http://www.southernonline.org/get-a-loan . For any questions or assistance, feel free to give us a call at (800) 338-5882. We're here to help every step of the way!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer comprehensive merchant services that empower businesses to manage transactions efficiently. Imagine seamlessly processing payments from customers without the hassle. Our services help you focus on what matters most growing your business. Located at 430 Lanier Ave E Fayetteville Ga 30214 in Fayetteville, GA, we're here to provide the financial tools you need. Let's work together to turn your business goals into reality! For more information, give us a call at (800) 338-5882 or visit us online at https://www.southernonline.org .

Unlocking Growth with Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $10 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $321,076, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessible Branch Services

Visit us at our branch located at 430 Lanier Ave E Fayetteville, GA 30214, where our friendly staff is ready to assist you during our lobby hours from Monday to Friday 9:00 AM - 4:00 PM and Saturday from 9:00 AM - Noon. You can reach us at 800-338-5882 if you have any questions about our services or need assistance with anything else. At The Southern, we strive to create an inclusive environment where all members feel valued and supported. Explore all that we have to offer by visiting our website at southernonline.org. Join us today and discover how we can make your financial life easier!

Business Banking

For our business members, we understand the importance of reliable banking solutions. Our business banking services include merchant services and business loans that help you grow and manage your company effectively. No matter the size of your business, we're here to support your financial journey.

Digital Banking Features

We take pride in offering robust online and mobile banking platforms so you can access your accounts anytime, anywhere. With features like ATM and cash withdrawal services, as well as basic drive-thru banking for simple transactions like deposits and withdrawals, managing your finances has never been easier. Plus, our basic ATM access allows you to check balances or withdraw cash with just a few taps.

Loans and Credit Options

We also provide personal loans and debt consolidation services, giving you the flexibility to tackle unexpected expenses or simplify your existing debts. With our credit cards featuring rewards, you can earn points for every purchase you make, turning everyday spending into exciting opportunities.

Personal Banking

Our personal banking services include checking and savings accounts designed to help you manage your money effortlessly. If you're considering buying a new vehicle, our auto loans and vehicle financing options are tailored to fit various budgets and preferences, ensuring you find the right loan for your next adventure. For those planning to purchase a home, we offer mortgage loans and refinancing solutions that can help make your dream of homeownership a reality.

Digital & Online Banking

Key Features

Our 24/7 online banking services allow you to check balances, pay bills, and transfer money without stepping foot in a branch. Whether you're at home or on the go, you have complete control over your finances right at your fingertips. Plus, with our person-to-person transfer feature, sending money to friends and family is as easy as a few clicks. For those who prefer paperless options, we provide e-statements to help you keep track of your finances while reducing clutter. And if you're looking for a more personalized experience, our mobile application gives you access to all these features directly from your smartphone.

Security and Ease-of-Use

Your security is our top priority. While we don't currently support electronic signature authorization, we ensure that all transactions are protected with robust security measures so you can bank with peace of mind. Our user-friendly interface makes navigating through your accounts a breeze, whether you're paying bills or checking transaction history. In today's fast-paced world, having access to efficient digital banking tools can make all the difference. At The Southern, we're committed to providing you with the resources you need for real-time account management and effortless financial transactions. Experience the convenience of banking on your terms!

Financial Strength

Growing Member Trust

Total Share and Deposit Accounts: 56,317, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $361,107, further emphasizing our commitment to helping you achieve your financial goals. In summary, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, The Southern is your trusted partner. Visit us at 430 Lanier Ave E Fayetteville Ga 30214 or call (800) 338-5882 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.

Member-Centric Savings

Members' savings are secured through $69,850,039 in share certificates and $45,484,527 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 operational efficiency is reflected in our $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 75 full-time employees and 0 part-time employees ready to assist you.

Reinvestment for Growth

With $58,761,651 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 $3,549 in used auto loans and $218,677,158 in total loans and leases.

Strong Financial Position

With a net worth of $60,751,154, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,135 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

Additional Options

If you're considering refinancing any of your existing loans, we have options available that could lower your interest rates and save you money over time. Plus, our eligibility criteria are designed to be accessible check out more information here. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At The Southern, we're committed to empowering you with the resources you need for financial success. For more details or to discuss which loan product fits your needs best, give us a call at (800) 338-5882 or visit our website at https://www.southernonline.org . Let's make your financial dreams a reality together!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $59,437,597 in used vehicle loans and $52,825,767 in new vehicle loans already helping members get on the road. We make it easy for you to drive away in the vehicle you want with flexible terms and quick processing.

Business Loans

For business owners, our outstanding commercial loans totaling $321,076 provide the capital needed to grow and expand. We understand that having access to funds can be crucial for your business success.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $26,937,450, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our team is here to guide you through the process.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $9,699,660 in loans helping members manage their finances effectively. Enjoy benefits like no annual fees and rewards programs that suit your lifestyle.

Loan Aggregator

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THE SOUTHERN CREDIT UNION - Fayetteville, GA