Credit Card

Rates as low as
14.00% APR*

Personal Loan

Rates as low as
10.99% APR**APR- Annual Percentage Rate


6.99% APR* for 6 months

Auto Loans

Rates as low as
5.99% APR**APR- Annual Percentage Rate

Download Our Mobile App!

Easily manage your internet banking with the SSFCU mobile app. This app was designed to flow easier and look better than ever. Check your balances on the go with a simple swipe from the app icon. Quickly sign-in using touch ID or your password for specific account information. Breeze through transactions, payments, transfers, make deposits, and search for the closest branch location from your phone or tablet.

Google Play Store Apple Store

Our Preferred Visa offers 0.00% APR* for 6 months!

Looking for a great way to pay off you back-to-school expenses? Our Preferred Visa is a great option to consolidate your debt with 0.00% APR* for 6 months.
  • No cash advance fee.
  •No annual fee.
  • Low annual rate starting at 14.00% APR
   *Terms & Conditions Apply.

Find out more here

6.99% APR* for 6 months on a HELOC

Learn how a Home Equity Line of Credit can help you!
  • Borrow p to 100% LTV
  • No closing cost on $50,000 or less
  • Online banking accessible
  • Easy to utilize
  • Student loan debt
   *Annual Percentage Rate. Terms & Conditions Apply.

Find out more here
heloc 600_600

Make your MOVE

Take the hassle out of home buying with a low-rate Southern Security mortgage!
  • Variety of terms (10-30 years)
  • Conventional, FHA, and VA loans available
  • 95% loan to value with no PMI with 20-year term
  • Rates as low as 6.25%
  • Mortgage buying counselors available

Find out more here
mortgage 600_600 (1)
"Are credit unions like banks? No, we’re better."

Banks treat you like a number. We treat you like a MEMBER and an OWNER, because that’s what you are. We offer better rates, lower fees and superior service. At Southern Security, we’re all about you!


Serving over 20,000+ members across the US


Awarded Best Credit Union 4 years running


Included in over 300+ company benefit plans

Here are some customers that we helped reach their goals. We would love you to see here
We can help you too!

We can help you too!

We recently did a loan for a member who we’ve done several for over the years.  He told our loan officer that he was so glad that he followed our advice to make sure that he pays all his bills on time as it would help elevate his credit score.   Well, his hard work paid off!  His score went from 630 in April of this year to a score of 726 in December. His interest rate went from 13.99% to 8.99% which decreased the life of his loan payment over $300 dollars!

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Do you have credit card debt?

Do you have credit card debt?

We recently helped a member who had a credit card with over a $15,000 balance. Her interest rate was 21% and it was going to take her over 15 years to pay off this card. We were able to refinance that debit into a signature loan and get her out of debt in 4 years. This loan saved her over $7,000 in interest. She was very thankful that Southern Security was able to help her decrease her debt.

learn more
Click here to view more case studies

Greenpath Financial Wellness


Southern Security Credit Union has partnered with GreenPath Financial Wellness who is a trusted national nonprofit with more than 60 years of helping people build financial health and resiliency. Our partnership provides NFCC-certified counselors that give you options to manage credit card debt, student loans, and homeownership.


We're a dynamic team & business experts

Southern Security Federal Credit Union is a not-for-profit financial cooperative whose mission is to help its members financially. Whether that’s through providing savings options, being a lending source or simply providing convenience, each member’s needs are unique.

What our customers are talking about us?

Michelle Turner

I absolutely love my bank they are so helpful an always goes so hard for me my Grenada an Memphis family I love yalll

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Lottie Baskerville

This place is a wonderful place. Friend people speak to you when you enter in the building and alway smile and happy to...

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Monika Doyle

I love this bank! The Collierville branch has been nothing short of amazing! Christine has been wonderful for us, and...

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What’s New
Southern Security Members Donate $6,300 to Keesha Warrior Princess

Southern Security Members Donate $6,300 to Keesha Warrior...

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Hidden Savings: Commonly Overlooked Tax Deductions

Hidden Savings: Commonly Overlooked Tax Deductions

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Southern Security Donates $12,000 to Le Bonheur Children’s Hospital

Southern Security Donates $12,000 to Le Bonheur...

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