The Southern Credit Union Lagrange GA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to The Southern located at 117 Bull St, Lagrange, GA 30240! As a trusted member of the community since 1963, we take pride in serving our 31,340 members with dedication and care. With total assets exceeding $535 million, we are equipped to provide a range of financial services tailored to meet your needs. At The Southern, we understand that financial decisions can be overwhelming. That's why our friendly team is here to guide you every step of the way. Whether you're looking for auto loans, mortgage options, or personal banking services, we have the solutions to help you achieve your financial goals. Our total loans and leases stand at an impressive 15,274, highlighting our commitment to lending support to our members. Your deposits matter to us! With total deposits of $23,633,515, we ensure your money is in safe hands while helping it grow. Our strong net worth of $60,751,154 reflects our stability and reliability as a credit union. Plus, with cash in hand amounting to $6,863,827, we are well-prepared to respond to your financial needs promptly. We invite you to visit us in person or reach out via phone at 770-719-1111. If you need official correspondence, please note that it should be sent to the same address: 117 Bull St, LaGrange, GA 30240. Our doors are open Monday through Friday from 8:30 AM to 4:30 PM. Experience the difference with The Southern where your financial wellbeing is our priority. Let us help you on your journey towards a brighter financial future! For more information about our services or membership details, feel free to explore our website at southernonline.org.

Branch History & Mission

Community Engagement

Being deeply rooted in Lagrange means we care about more than just finances; we care about people. Our partnerships with local organizations help us contribute positively to community initiatives. Whether it's through financial literacy programs or supporting local events, we strive to make a lasting impact. As technology advances, so do we. Our online banking platform ensures that you can manage your finances anytime and anywhere. With features like mobile payments and person-to-person transfers, we aim to provide seamless banking experiences that cater to your busy lifestyle.

Join Us!

We invite you to experience the difference at The Southern. Whether you're looking for a new loan or simply want guidance on your financial journey, our team is here for you. Visit us today at 117 Bull St Lagrange Ga 30240 or call us at (770) 719-1111 to learn more about how we can help you achieve your financial goals. Together, let's build a brighter future!

Our Mission

Our mission is straightforward: to empower our members through accessible financial services while fostering community support. We believe that everyone deserves a chance to achieve their financial goals without unnecessary barriers. That's why we focus on providing personalized service and innovative solutions tailored to individual needs. While members can visit us at 117 Bull St Lagrange Ga 30240, official correspondence should be sent to 117 Bull St, LaGrange, GA 30240. We are proud to offer ATM availability for your convenience and maintain operating hours from Monday through Friday, 8:30 AM to 4:30 PM. Although we don't provide drive-thru services or shared service centers at this location, our dedicated staff is always ready to assist you inside.

Branch Location & Accessibility

Welcome to The Southern, your friendly credit union located at 117 Bull St in Lagrange, GA. We are proud to be a part of the vibrant community in Troup County, easily accessible and ready to serve your banking needs. Whether you are stopping by for a quick transaction or seeking advice on loans and financial services, our convenient location makes it simple for you to visit. While members can visit us at our branch address, official correspondence should be sent to 117 Bull St, LaGrange, GA 30240. We are situated near local landmarks that many residents know well, making it easy for you to find us. Plus, parking is available right outside our door, so you can get in and out with ease. Our branch is designed with accessibility in mind. We comply with ADA standards, ensuring that everyone can access our services comfortably. Though we do not have drive-thru banking available, our lobby is open Monday through Friday from 8:30 AM to 4:30 PM, providing ample time for you to stop by during your day. At The Southern, we understand that convenience is key. That's why we offer ATM services on-site for those quick cash withdrawals or balance checks. Our team is dedicated to helping you with personal banking needs such as checking and savings accounts, auto loans, mortgages, and more. If you're looking for a place where you can feel valued and supported in your financial journey, look no further! Feel free to give us a call at 770-719-1111 if you have any questions or need assistance before your visit. We can't wait to welcome you at The Southern!

Member Eligibility

Becoming a member of The Southern feels like joining a family where your financial needs are understood and prioritized. If you're a resident of Troup County or work in the area, you're already on the right track! We welcome individuals who share our commitment to community and mutual support. To find out more about who can join us, you can visit our eligibility page at http://www.southernonline.org/membership . There, you'll discover that eligibility extends to family members of current members too, making it even easier for you to connect with us. Joining is simple! All you need to do is open an account, which you can learn more about by visiting http://www.southernonline.org/get-a-loan . Our friendly team is here to help every step of the way, so don't hesitate to reach out at (770) 719-1111 if you have any questions. At The Southern, we're excited to welcome you into our community where your financial journey is supported and celebrated!

Business Banking & Commercial Services

Merchant Services that Matter

In today's fast-paced world, efficient payment processing can set your business apart. Our merchant services offer simple solutions for accepting payments, whether in-store or online. This means you can focus on what you do best running your business while we handle the transactions smoothly. Located at 117 Bull St Lagrange Ga 30240 in Lagrange, GA, our team is ready to assist you with personalized service and expert guidance. Call us at (770) 719-1111 or visit us today to discover how we can support your business journey!

Tailored Loan Solutions

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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - 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

Business Banking Solutions

For business owners, we offer comprehensive Business Banking services including merchant services and business loans that can help take your company to new heights. Whether you're just starting out or looking to expand, we're here to support your journey.

Convenience at Your Fingertips

In today's fast-paced world, convenience matters. That's why we provide robust Online & Mobile Banking features that allow you to manage your accounts from anywhere at any time. With just a few clicks or taps on your phone, you can check balances, transfer funds, and pay bills easily. Plus, our ATM & Cash Withdrawal Services ensure that access to your money is always within reach. At The Southern, we strive to create an environment where all members feel valued and supported in their financial journeys. Feel free to reach out with any questions or visit us during our lobby hours from Monday through Friday, 8:30 AM - 4:30 PM. Ready to explore what we have to offer? Call us today at 770-719-1111 or visit our website at southernonline.org for more information. We're excited to help you achieve your financial dreams!

Credit Cards with Benefits

Looking for a way to earn rewards while you spend? Our Credit Cards with Rewards give you cash back or points for every purchase you make, helping you get more from your everyday expenses.

Home Sweet Home

Buying a home is one of the biggest decisions you'll ever make. Our Mortgage Loans & Refinancing options offer competitive rates and personalized service to guide you through the entire process. We want to make homeownership accessible and affordable for all our members.

Personal Banking Made Easy

We understand that managing personal finances can be overwhelming at times. That's why our Personal Banking options include checking and savings accounts designed to help you save money while earning interest. If you're in the market for a new car or need to refinance your current vehicle, our Auto Loans & Vehicle Financing solutions make it easy to get behind the wheel without breaking the bank. For those unexpected expenses or larger purchases, our Personal Loans & Debt Consolidation services can provide the flexibility and relief you need.

Digital & Online Banking

Key Features

Our e-statements service makes it easy for you to stay organized and eco-friendly. You can view and download your statements directly from your account without waiting for them to arrive in the mail. This feature not only saves paper but also keeps your financial information secure and easily accessible. For those who love the convenience of mobile technology, our mobile application allows you to manage your accounts right from your smartphone or tablet. You can deposit checks, view transaction history, and even send money to friends or family through our person-to-person transfer feature all without needing to visit a branch. While we currently don't support electronic signature authorization or mobile payments, our focus remains on providing solid online services that prioritize security. Your information is protected with the latest encryption technology, ensuring that every transaction is safe. Experience the freedom of managing your finances with ease at The Southern. Visit us online at https://www.southernonline.org today and take advantage of all our digital banking services!

Financial Strength

A Solid Foundation

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.

Commitment to 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.

Operational Efficiency

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 no part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Security for Your 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.

Trust from Our Community

Total Share and Deposit Accounts stand at 56,317, showcasing a strong and growing member base that trusts us with their finances. This trust strengthens our resolve to provide exceptional service tailored to your needs. 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 117 Bull St Lagrange Ga 30240 or call (770) 719-1111 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 $59,437,597 in used vehicle loans and $52,825,767 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, we have options tailored for every budget.

Business Financing

For business owners, our outstanding commercial loans totaling $321,076 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges and opportunities; our tailored solutions aim to support your entrepreneurial journey.

Credit Cards and Personal Loans

We also provide flexible terms on unsecured credit card loans, with a total of $9,699,660 in loans helping members manage their finances effectively. These cards come with features that allow you to earn rewards while keeping your expenses manageable. For those considering personal loans for debt consolidation or other needs, we can discuss various options that fit your lifestyle and budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $26,937,450. Our mortgage specialists can guide you through the process and help determine the best fit for your financial situation.

Refinancing Options

If you're thinking about refinancing any of your existing loans or checking your eligibility for new financing options, we're here to help. Our team can assess your current situation and recommend solutions that align with your financial objectives. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. We invite you to explore our loan offerings and see how we can assist you in achieving your financial goals. Visit us online at The Southern or stop by our branch today!

Loan Aggregator

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THE SOUTHERN CREDIT UNION