Credit union · NCUA insured
Southern Security Federal Credit Union
Top CarrotA $249.1M credit union headquartered in Collierville, TN, with 18,650 members and 7 branches in 2 states. Best rates: CDs 3.75% and savings 2.00% APY.
Southern Security Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 85% of U.S. banks and credit unions
#8 of 36 in Memphis, TN-MS-AR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Southern Security Federal Credit Union
Southern Security Federal Credit Union is a member-owned, not-for-profit financial cooperative.
- Headquarters
- 819 Southern Home Rd, Collierville, TN 38017-9438
- NCUA charter
- 5974
Branches
7 branches in 2 states
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Tennessee
5 branches
- ColliervilleMain office819 Southern Home Rd, Collierville, TN 38017Directions
- Bartlett8058 US Highway 64, Bartlett, TN 38133Directions
- Robinwood2795 Kirby Whitten Rd, Bartlett, TN 38134Directions
- Auto Zone123 S Front St, Memphis, TN 38103Directions
- Poplar Ave- East Memphis3183 Poplar Ave, Memphis, TN 38111Directions
Mississippi
2 branches
Grenada area · 1
- Grenada1360 Sunset Dr Ste 6, Grenada, MS 38901Directions
Memphis area · 1
- Southaven6717 Airways Blvd Ste 100, Southaven, MS 38671Directions
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 | 10.11% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.72% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.17% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $81 | $76 | — |
- CapitalNet worth ratio10.11%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.72%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.17%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$81Peers’ 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 Southern Security Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.