Credit union · NCUA insured
Southeast Financial Credit Union
A $474.1M credit union headquartered in Franklin, TN, with 35,238 members and 12 branches in 3 states. Best rates: CDs 3.35% and savings 0.60% APY.
Southeast Financial Credit Union Carrot Score
81
Carrot Score
Higher than 54% of U.S. banks and credit unions
#20 of 44 in Nashville, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Southeast Financial Credit Union
Southeast Financial Credit Union is headquartered in Franklin, Tennessee.
- Headquarters
- 220 S Royal Oaks Blvd, Franklin, TN 37064-5313
- NCUA charter
- 68599
Branches
12 branches in 3 states
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Tennessee
10 branches
Nashville area · 6
- FranklinMain office220 S Royal Oaks Blvd, Franklin, TN 37064Directions
- Brentwood5110 Maryland Way Ste 100, Suite 100, Brentwood, TN 37027Directions
- Goodlettsville139 Northcreek Blvd, Goodlettsville, TN 37072Directions
- LaVergne325 Waldron Rd, La Vergne, TN 37086Directions
- Briley South1314 Vultee Blvd, Nashville, TN 37217Directions
- Jrp444 James Robertson Pkwy, Nashville, TN 37219Directions
Chattanooga area · 1
- National Ave512 National Ave, Chattanooga, TN 37404Directions
Memphis area · 1
- Memphis9265 Poplar Ave, Germantown, TN 38138Directions
Jackson area · 1
- Jackson104 W University Pkwy Ste B, Jackson, TN 38305Directions
Knoxville area · 1
- Knoxville7216 Wellington Dr Ste 4, Knoxville, TN 37919Directions
Kentucky
1 branch
- Bowling Green1207 Ashley Cir, Bowling Green, KY 42104Directions
Mississippi
1 branch
- Corinth102 Highway 72 W, Corinth, MS 38834Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.98% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.85% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.29% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $87 | $76 | — |
- CapitalNet worth ratio7.98%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.85%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.29%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$87Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Southeast Financial Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.