Credit union · NCUA insured
The Southern Credit Union
A $564.3M credit union headquartered in Fayetteville, GA, with 30,052 members and 11 branches in Georgia. Best rates: CDs 3.50% and savings 0.35% APY.
The Southern Credit Union Carrot Score
79
Carrot Score
Higher than 49% of U.S. banks and credit unions
#34 of 60 in Atlanta, GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About The Southern Credit Union
Founded in 1963, The Southern Credit Union is a member-owned, not-for-profit financial cooperative governed by a member-elected board of directors.
Based in Fayette County, Georgia, the credit union serves individuals who live or work across thirteen Georgia counties, including Fulton, Clayton, and Henry.
- Headquarters
- 430 Lanier Ave E, Fayetteville, GA 30214
- NCUA charter
- 68638
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work in the Georgia counties of Butts, Carroll, Clayton, Coweta, Fayette, Fulton, Henry, Lamar, Meriwether, Pike, Spalding, Troup, or Upson.
Employers and groups
- Membership is open to individuals employed by a Select Employer Group or associated with a Select Organization Group.
Family and household
- Membership is open to immediate family members, including spouses, siblings, parents, children, grandchildren, and grandparents related by blood or marriage.
Cost to join
- An opening deposit of at least $25 is required to establish membership, which is refundable upon account closure.
Branches
11 branches in Georgia
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Georgia
11 branches
Atlanta area · 9
- FayettevilleMain office430 Lanier Ave E, Fayetteville, GA 30214Directions
- Regional Office1701 Columbia Ave Ste 135, College Park, GA 30337Directions
- Griffin1610 Georgia Highway 16 W, Griffin, GA 30223Directions
- Hampton299 Woolsey Rd, Hampton, GA 30228Directions
- Mt Zion2236 Mount Zion Rd, Jonesboro, GA 30236Directions
- McDonough2097 Highway 20 W, McDonough, GA 30253Directions
- Newnan232 Bullsboro Dr, Newnan, GA 30263Directions
- Peachtree City1400 Commerce Dr N, Peachtree City, GA 30269Directions
- Sharpsburg1790 Highway 154, Sharpsburg, GA 30277Directions
LaGrange area · 2
- LaGrange117 Bull St, LaGrange, GA 30240Directions
- Kia7777 Kia Pkwy, West Point, GA 31833Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.60% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.10% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.43% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $42 | $76 | — |
- CapitalNet worth ratio11.60%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.10%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.43%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$42Peers’ 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 The Southern Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.