What is a HELCO?

Banking
Effortless checking, maximum benefits

Our Share Draft checking account has no minimum balance, no fees, no transaction limits, no monthly service charges and YOU CAN EARN DIVIDENDS!

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Loans
Need new wheels?

We can help you purchase all kinds of vehicles: cars, trucks, motorcycles, ATVs, RVs, motor homes, boats…

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Business
A business banking program that works hard for you!

Our flexible, convenient Business Banking accounts never take a day off.

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Insure
Everything We Do Benefits YOU

Protect what matters most!

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Benefits
Bank on the go.

Your phone is your bank – secure mobile banking services to manage your money.

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Why Us
Everything We Do Benefits YOU

You’re not just a customer, you are a MEMBER and an OWNER

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A home equity line of credit is a great source of available cash with a low interest rate

Borrow up to 100% of your home’s value
No closing on loans up to $50,000
Interest-only draw period for 10 years
Access funds conveniently through online banking

For HELOC call Kateyann Winstead Concepcion at 901.452.7900 ext. 1068

*Offer valid from 04/01/2026 to 06/30/2026 and is subject to change or withdrawal without notice. Please see us for complete details. Does not apply to existing SSFCU home equity lines of credit (HELOC) or home equity loans. Maximum LTV is 100%. Maximum APR is 18.00% and Minimum APR is 9.75% for 100% LTV; Maximum APR is 18.00% and Minimum APR is 6.75% for 80% LTV. Balances cannot be transferred from existing SSFCU loans or credit cards to an SSFCU HELOC. Loans are subject to approval criteria; not all applicants will qualify. Equal housing lender.