The Southern Credit Union Newnan GA | Quick Personal Loans & ATM Services

Introduction

Welcome to The Southern, where our commitment to serving you and our community shines brightly! Located at 6 Jefferson Pkwy, Newnan, GA 30263, we have been a trusted financial partner since our establishment in 1963. With over 31,340 members and a robust asset base of $535,122,494, we are proud to offer a wide array of services designed to meet your personal and business banking needs. At The Southern, we believe in empowering our members through financial education and support. Our dedicated team, led by CEO Ray Hull and Board President Morris Kelly, works tirelessly to ensure that every member feels valued and understood. Whether you're looking for an auto loan, mortgage refinancing, or simply want to open a checking account, we have the resources to help you succeed. While you can visit us at our branch address for your banking needs, please note that official correspondence should be sent to our mailing address at 430 Lanier Ave E, Fayetteville, GA 30214. We are here for you Monday through Friday from 8:30 AM to 4:30 PM, ready to assist with personalized service. With total loans amounting to 15,274 and deposits reaching $23,633,515, we pride ourselves on being a stable financial institution within the Coweta County community. Our focus on building lasting relationships ensures that when you choose The Southern, you're not just getting a financial service; you're joining a family dedicated to your success. Ready to take the next step? Visit us online at southernonline.org or give us a call at 770-719-1111 today! We look forward to serving you and helping you achieve your financial goals.

Branch History & Mission

At The Southern, we take pride in our rich legacy of service and commitment to the community. Established in 1963, our branch has been a cornerstone for financial support in Newnan, GA. Over the years, we've grown alongside our members, evolving from a small credit union into a trusted financial partner for over 31,340 individuals and families. Our branch address at 6 Jefferson Pkwy, Newnan, GA 30263 places us right in the heart of this vibrant city, making it easy for members to access our services. Our mission is simple yet profound: to empower our members with the financial tools they need to thrive while fostering a sense of community. We believe that banking should be more than just transactions; it should be about building relationships and supporting one another through life's ups and downs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we are here to guide you every step of the way. While members can visit us at 6 Jefferson Pkwy, official correspondence should be sent to our mailing address at 430 Lanier Ave E, Fayetteville, GA 30214. This distinction ensures that all communication is handled promptly and efficiently. As we continue to expand our services, we embrace modern advancements in banking while ensuring that we remain accessible to everyone. Although we currently do not offer ATM services or drive-thru banking, we are dedicated to providing robust online banking options that include mobile applications and e-statements. Our goal is to make your banking experience as convenient as possible. Community outreach is at the heart of The Southern's mission. We engage actively with local organizations and initiatives aimed at improving the lives of those around us. Through partnerships and volunteer efforts, we strive to make a positive impact on the community we serve. In conclusion, we invite you to become part of The Southern family. Join us today to experience personalized service and a dedication to your financial well-being. Visit our website at southernonline.org or call us at 770-719-1111 for more information on how you can benefit from being a member of our credit union. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access

Our branch offers ample parking, making it easy for you to drop in. We strive to ensure everyone can visit us comfortably, with ADA-compliant features including ramps and accessible entrances. If you're looking for a friendly face and personalized service, our team is ready to assist you.

Get In Touch

Have questions? Feel free to give us a call at 770-719-1111. We invite you to come by and experience the welcoming environment that The Southern is known for. Join us today and let us help you achieve your financial goals!

Operating Hours

We know your time is valuable! That's why we are open Monday through Friday from 8:30 AM to 4:30 PM. Whether you need to open an account, apply for a loan, or just ask questions about your finances, we're here during these hours to help make your banking experience smooth and enjoyable.

Services Offered

At The Southern, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Business owners will also find valuable services such as merchant solutions and business loans right here at our Newnan location. While members can visit us at 6 Jefferson Pkwy, official correspondence should be sent to our mailing address at 430 Lanier Ave E, Fayetteville, GA 30214. Although we do not currently offer ATM services or drive-thru banking at this location, our friendly staff is always available to assist you inside the branch.

Member Eligibility

At The Southern, we believe that joining our credit union is like becoming part of a supportive family. We welcome individuals who live, work, worship, or attend school in our community. It's an inclusive process designed to make you feel at home. Whether you're looking for a place to grow your savings or seeking personalized financial services, our members enjoy the benefits of lower fees, competitive loan rates, and dedicated support from our friendly staff. To learn more about the specific eligibility requirements for membership, feel free to visit our website at http://www.southernonline.org/membership. If you're ready to take the next step, opening an account is straightforward! You can find all the details you need by visiting http://www.southernonline.org/get-a-loan or simply give us a call at (770) 719-1111. We're excited to welcome you to The Southern, located at 6 Jefferson Pkwy Newnan Ga 30263!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine a local shop that wants to expand its offerings but struggles with payment processing. Our merchant services provide simple, secure solutions that allow businesses to accept payments easily be it cash, card, or mobile payments. This not only enhances customer satisfaction but also helps keep your cash flow steady. Visit us at 6 Jefferson Pkwy Newnan Ga 30263 in Newnan, GA, or give us a call at (770) 719-1111 to discover how our business banking services can pave the way for your success!

Supporting Your Growth

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 Services

For small business owners, we understand that managing finances can be challenging. That's why we offer specialized business banking services, including merchant services and business loans. Whether you're looking to expand your operations or need assistance managing cash flow, we're here to help.

Cash Withdrawal Services

While we currently do not have ATM facilities at this location, our cash withdrawal services are designed to ensure you have access when needed. At The Southern, we strive to make banking convenient and accessible for everyone in Newnan and beyond. Our team is always ready to assist you with any questions or needs regarding our services. If you're interested in learning more about what we offer or how we can assist you further, please don't hesitate to give us a call at 770-719-1111 during our lobby hours from Monday through Friday between 8:30 AM and 4:30 PM. Visit us today at 6 Jefferson Pkwy, or check out our website at southernonline.org for more information on how we can support your financial journey!

Convenient Online & Mobile Banking

Accessing your accounts has never been easier with our online and mobile banking features. You can check balances, pay bills, and transfer funds right from your smartphone or computer anytime and anywhere! Plus, our person-to-person payment option allows you to send money quickly to friends or family without any hassle.

Credit Cards and Rewards

Don't forget about our credit cards with rewards! These cards not only allow you to make everyday purchases but also earn points that can be redeemed for exciting rewards. It's like getting paid for spending!

Personal Banking Solutions

Our personal banking services include checking and savings accounts that help you manage your day-to-day finances. Imagine having a safe place for your money while earning interest on your savings. With our competitive rates, saving for that dream vacation or emergency fund becomes easier. When it comes to financing, we offer auto loans and vehicle financing that can get you behind the wheel without breaking the bank. Picture driving off in a reliable car while enjoying manageable monthly payments. We also provide mortgage loans and refinancing options, perfect for those ready to buy their first home or refinance an existing mortgage for better terms. For personal expenses that arise unexpectedly, our personal loans and debt consolidation services can help simplify your financial obligations. Instead of juggling multiple payments, you can combine them into one manageable loan with a single monthly payment.

Digital & Online Banking

Mobile Banking Features

For those on the go, our mobile application makes banking even more convenient. You can download our app and enjoy features like person-to-person transfers, which allow you to send money directly to friends and family with just a few taps on your phone. Although we currently do not support mobile payments, our app is user-friendly and designed to give you real-time access to all your account information.

Security You Can Trust

At The Southern, we prioritize your security. While we don't offer electronic signature authorization at this time, rest assured that all transactions are protected with advanced security measures. Your peace of mind is important to us. In summary, whether you're using our online banking services or mobile app, managing your finances has never been easier. Explore all the digital options available at The Southern today by visiting our website and take control of your banking experience!

Financial Strength

Committed Workforce

We also take pride in having 75 full-time employees and 0 part-time employees who are dedicated to serving you. Our knowledgeable team is always ready to assist you with your banking needs. Net Shares (Funds available for lending and investments) amount to $361,107, further showcasing our capability to support member initiatives. Total Share Accounts stand at 56,317, reflecting a strong and growing member base that trusts us with their finances.

Conclusion

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 6 Jefferson Pkwy Newnan Ga 30263 or call (770) 719-1111 to learn more about how we can help you achieve your financial goals.

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 focus on continuous improvement means you can always expect top-notch service from us. Our lending capacity supports your financial goals with $3,549 in used auto loans and $218,677,158 in total loans and leases across various sectors. This flexibility allows us to meet diverse member needs effectively.

Secure Savings Options

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. These options reflect our commitment to helping you grow your savings effectively. 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.

Strong Financial Position

With a net worth of $60,751,154, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation gives our members peace of mind knowing their finances are in safe hands. Our net worth ratio of $1,135 demonstrates a solid capital foundation. This ensures 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 $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 of your choice.

Business Loans

For business owners, our outstanding commercial loans totaling $321,076 provide the capital needed to grow and expand your business. We are committed to supporting local businesses and fostering economic growth in our community. If you're considering refinancing or want to know about eligibility options for any of our loan products, feel free to contact us at 770-719-1111 or visit our website at southernonline.org. 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 here to help you navigate your financial journey with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $26,937,450. We aim to make buying or refinancing simple so that you can focus on what matters most your new home.

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, our credit cards come with features designed to fit your lifestyle.

Loan Aggregator

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The Southern