Credit union · NCUA insured
Southern Coastal FCU
A $13.6M credit union headquartered in Biloxi, MS, with 1,607 members and 1 branch in Mississippi. Best rates: CDs 2.52% and savings 0.50% APY.
Southern Coastal FCU Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#16 of 18 in Gulfport, MS metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Southern Coastal FCU
Established in 1973 as the Biloxi Municipal Credit Union, Southern Coastal Federal Credit Union is a member-owned financial cooperative.
The credit union renamed itself Coastal Credit Union in 2010 before converting to a federally chartered institution in 2017.
- Headquarters
- 677 Dr Martin Luther King Jr Blvd, Biloxi, MS 39530-3838
- NCUA charter
- 24885
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, retirees, family and household members of Memorial Hospital Biloxi (formerly Merit Health Biloxi) are eligible for membership.
- Employees, retirees, family and household members of Oceans Behavorial (formerly Gulf Oaks) are eligible for membership.
- Employees, retirees, family and household members of Swetman Security Services are eligible for membership.
Military, government and schools
- Employees, retirees, family and household members of Biloxi Housing Authority are eligible for membership.
- Employees, retirees, family and household members of City of Biloxi are eligible for membership.
- Employees, retirees, family and household members of City of D'Iberville are eligible for membership.
3 more ways to join
Military, government and schools
- Employees, retirees, family and household members of Harrison County are eligible for membership.
- Employees, retirees, family and household members of Harrison County Library System are eligible for membership.
Other ways
- Individuals whose business or job has a common bond with the listed eligible groups can join.
Cost to join
- There are no fees to join.
Branches
1 branch in Mississippi
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Mississippi
1 branch
- Main OfficeMain office677 Dr Martin Luther King Jr Blvd, Biloxi, MS 39530Directions
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 | 18.21% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.68% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.88% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $86 | $59 | — |
- CapitalNet worth ratio18.21%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.68%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.88%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$86Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Southern Coastal FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.