Credit union · NCUA insured
The Southern Credit Union Savings Rates
The Southern Credit Union’s best savings rate is 0.35% APY on $10,000, with its Money Market Savings Account. Rates checked October 22, 2026.
How The Southern Credit Union’s savings rates compare
Compared with banks and credit unions near Atlanta, GA, where The Southern Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
The Southern Credit Union
0.35%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $35
Money Market Savings Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
The Southern Credit Union savings score
74
Savings score
Higher than 37% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.85%
- QualifiedQualified0.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where The Southern Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings Account
0.35%APY
Dividends compounded daily and credited monthly. Limit to 6 withdrawals/transfers per month before a $10.00 excessive withdrawal fee is assessed. Limit of 1 Money Market Account per member.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Monthly maintenance fee of $10.00 if balance falls below $2,500.00. | 0.00% | — | Monthly maintenance fee of $10.00 if balance falls below $2,500.00. |
| $100 – $2,500Monthly maintenance fee of $10.00 if balance falls below $2,500.00. | 0.00% | — | Monthly maintenance fee of $10.00 if balance falls below $2,500.00. |
| $2,500 – $10,000Monthly maintenance fee of $10.00 waived with minimum balance of $2,500.00. | 0.30% | — | Monthly maintenance fee of $10.00 waived with minimum balance of $2,500.00. |
| $10,000 – $25,000Monthly maintenance fee of $10.00 waived with minimum balance of $2,500.00. | 0.35% | $35 | Monthly maintenance fee of $10.00 waived with minimum balance of $2,500.00. |
| $25,000 – $50,000Monthly maintenance fee of $10.00 waived with minimum balance of $2,500.00. | 0.40% | — | Monthly maintenance fee of $10.00 waived with minimum balance of $2,500.00. |
| $50,000 – $100,000Monthly maintenance fee of $10.00 waived with minimum balance of $2,500.00. | 0.60% | — | Monthly maintenance fee of $10.00 waived with minimum balance of $2,500.00. |
| $100,000 and upMonthly maintenance fee of $10.00 waived with minimum balance of $2,500.00. | 0.85% | — | Monthly maintenance fee of $10.00 waived with minimum balance of $2,500.00. |
Sources (2)
- southernonline.org/accounts/savings/money-market
- southernonline.org/accounts/ot…s/rates-and-fee-schedule
All captured Oct 22, 2026
Share Savings Account
0.05%APY
Par value of membership share is $25. Six Regulation D transfers/withdrawals allowed per month ($1.00 fee per excess transaction). $5.00 monthly maintenance fee applies only if this is the member's only account, the balance is less than $100.00, and the account has been open for at least one year. $5.00/month (or $60.00/year) inactivity fee after 24 months without activity. Dividends compounded and credited quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 and up | 0.05% | $5 |
Special-purpose accounts
IRA Shares Account
0.50%APY
IRA savings account (Traditional or Roth). Membership required. No minimum opening deposit required. Dividends compounded and credited quarterly. $25.00 IRA transfer fee applies.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (3)
- southernonline.org/accounts/savings/iras
- southernonline.org/accounts/ot…s/rates-and-fee-schedule
- southernonline.org/assets/files/S9jh9kTG
All captured Oct 5, 2026
Christmas and Vacation Club Account
0.10%APY · 1 term
Designed to save for annual expenses like Christmas or Vacation. No minimum opening deposit required. Dividends compounded monthly and credited/paid at maturity. Balance paid out automatically at maturity (Christmas Club maturity is November 1st; Vacation Club maturity is May 1st).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1-Year term; Christmas Club matures Nov 1, Vacation Club matures May 1 | 0.10% | $10 |
Who can join The Southern Credit Union
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.
Membership information collected October 4, 2026.