THE SOUTHERN CREDIT UNION

Welcome to The Southern, your trusted partner in financial well-being, located at 2236 Mount Zion Rd, Jonesboro, GA 30236. Since our establishment in 1963, we have been dedicated to serving our community with personalized banking solutions that cater to your unique needs. With a total membership of over 31,340 and assets exceeding $535 million, we pride ourselves on being a reliable choice for individuals and families alike. At The Southern, our commitment goes beyond numbers; it's about creating lasting relationships and making a positive impact in the lives of our members. Our total deposits stand at $23,633,515, reflecting the trust you place in us. We understand that each member's financial journey is different, which is why we offer a wide range of services from personal banking and auto loans to business financing options. Under the leadership of CEO Ray Hull and Board President Morris Kelly, our team of 75 dedicated employees works tirelessly to ensure that your banking experience is seamless and fulfilling. Whether you need assistance with loans or are looking for advice on savings, we're here for you every step of the way. While members can visit us at our branch location, official correspondence should be sent to our mailing address: P.O. Box 1509, Fayetteville, GA 30214. Ready to take charge of your financial future? Call us at 770-719-1111 or visit our website at www.southernonline.org to explore how we can help you achieve your goals today!

Welcome to The Southern, where our story is rooted in community and dedication. Since opening our doors in 1963, we have grown from a small credit union into a trusted financial institution serving over 31,000 members in Jonesboro, GA, and beyond. Our branch, located at 2236 Mount Zion Rd, Jonesboro, GA 30236, has become a cornerstone for local families and businesses alike. Over the years, The Southern has achieved remarkable milestones while adapting to the evolving needs of our members. We have expanded our services to offer personal banking solutions such as checking and savings accounts, auto loans, mortgage loans, and business banking. Our commitment to providing accessible financial resources has helped us accumulate total assets of $535 million. At the heart of our mission is the belief that everyone deserves access to quality financial services. We strive to empower our members by providing tools and support that foster financial health and stability. This mission extends beyond transactions; we actively engage with our community through partnerships and outreach programs that make a real difference in people's lives. While members can visit us at our main branch location on Mount Zion Road, official correspondence should be sent to P.O. Box 1509, Fayetteville, GA 30214. We are here for you during our lobby hours: Monday through Friday from 9:00 AM to 4:00 PM and Saturday from 9:00 AM to Noon. For your convenience, we also offer drive-thru banking from Monday to Friday until 5:00 PM. The Southern is proud to provide modern conveniences such as online banking and ATM access while ensuring compliance with ADA standards so everyone can enjoy our services comfortably. With one ATM available on-site and ongoing improvements in digital banking options, we aim to meet your needs efficiently. We invite you to join The Southern family and experience the benefits of being part of a credit union that truly cares about its members. Whether you're looking for a new account or exploring loan options, we are here to help you every step of the way. Visit us today or call us at 770-719-1111 for more information!

Becoming a member of The Southern means joining a welcoming community where your financial well-being is our top priority. If you live, work, or worship in the areas we serve, you're likely eligible to join us! We're proud to offer membership to individuals who meet these simple criteria, and we encourage you to check out the full details at http://www.southernonline.org/membership . Once you're ready, opening an account is a breeze just visit us at http://www.southernonline.org/get-a-loan or give us a call at (770) 719-1111 for assistance. Located conveniently at 2236 Mount Zion Rd Jonesboro Ga 30236, our team is here to help you every step of the way as you take this exciting step toward better financial opportunities with us.

At The Southern, we understand that convenience and security are essential for managing your finances. Our digital and online banking services are designed to give you easy access to your accounts anytime, anywhere. With just a few clicks, you can manage your money securely from the comfort of your home or on the go. Explore our online banking features at https://www.southernonline.org . With 24/7 online banking services, you can check balances, pay bills, and transfer funds without any hassle. Need to send money to a friend? Our person-to-person transfer feature allows you to send cash quickly and easily just another way we're making banking simpler for you. For those who prefer to bank on their mobile devices, we offer a user-friendly mobile application that puts your financial information right at your fingertips. Whether you're checking your account balance or transferring funds, our app is designed with ease of use in mind. Worried about security? Rest assured, your information is safe with us. While we currently do not support electronic signature authorization, we prioritize secure transactions through advanced technology. Additionally, you'll receive e-statements, which not only help keep your documents organized but also enhance security by reducing the risk of paper statements being lost or stolen. While we don't currently offer mobile payment options, our commitment to providing accessible and reliable banking remains strong. With The Southern, managing your finances has never been more straightforward or secure. Join us today and experience banking that fits into your lifestyle!

At The Southern, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. 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. 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. 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 is robust with $3,549 in used auto loans and $218,677,158 in total loans and leases supporting members' financial goals across various sectors. Our $0 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 75 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. 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 2236 Mount Zion Rd Jonesboro Ga 30236 or call (770) 719-1111 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.