Why The Southern?

Personal Banking Where You Belong. Join. Thrive. ProsperPersonal Banking Where You Belong. Join. Thrive. Prosper

The Southern Credit Union is a federally insured, non-profit, full-service financial cooperative with headquarters in Fayette County, Georgia. The Southern operates exclusively for the benefit of its membership, working directly with Select Employee Groups (SEGs) that are enrolled as member organizations.

Individuals qualify for membership in one of three ways: they are employees of an enrolled SEG, or they are family members of an eligible credit union member,or live in Coweta, Fayette, Henry or Spalding Counties. Individual members join the credit union by opening a savings account with a minimum deposit of $25. Membership is a permanent benefit, and members may change employers, relocate or retire and still retain their member status with The Southern.

Is My Money Safe?

The NCUA insures each member account up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), with additional insurance coverage for IRA accounts.

Our members pool their savings to make loans and provide other financial services to one another. Our primary purpose is to save our members money on the financial products and services they need and use every day.
– Michael Lear, Chief Marketing Officer


We’re Not Just Here. We’re Only Here.

The Southern was established in 1963 and has operated from headquarters in Fayetteville, Georgia since 1992. We operate within a limited geographic territory and serve a core group of southside communities in the counties of Clayton, Coweta, Fayette, Henry, Spalding and Troup.

The Southern is a community-based business that supports local economic development, and we deliver the benefits of local presence and local ownership. We’re managed by the people we serve, and all our decisions are made locally.
– Barry Griffin, Vice President of Branch Services


Financial Products for Members to Save and Borrow

The Southern offers a complete range of banking services that well-informed consumers are seeking – but with a competitive edge for members. We generally charge less for loans and pay more for savings, so our members always get the most for their money. We care about our members – financial well-being, and our managers are always available for consultation.

Employers are able to enhance their employee benefits packages by offering credit union services to their employees at no additional cost to the organization. Employers can reward their employees and their employees’ family members with the lasting benefit of credit union membership. The Southern delivers free educational seminars to help employees manage a budget and establish good credit – services that help build the overall strength of the organization.

We help our members meet their goals for building wealth and keeping more of what they earn. We offer instructional programs that help our members build their assets and reduce their debt – and that’s a service that makes our entire community stronger.
– John Purdy, Chief Lending Officer


Real Answers from Real People

The Southern sets the standard for personal service and support. Our employees are immediately responsive, and senior level officers and managers are readily accessible. We serve our members with pride, experience, professionalism and personal attention, and members of all ages, titles and stages of professional development receive thoughtful consideration and quality feedback.

Our automated TellerPhone service is available around the clock, but we also operate a call center with a staff that will always take the time to answer members’ questions personally. We know our members have a choice about where to place their trust, so everyone at The Southern works hard to earn our members’ business every day. Our first line of duty is service, not sales. We don’t pay sales commissions or set quotas for the products we offer, so our assistance really is focused on our members – best interests – with no hidden agendas.
– Kristine Whitener, Telephone Service Center, Supervisor


Account Access

At The Southern we know your time is valuable. We want to do everything we can to make it easy for you to do business with us, so we offer a range of both automated and personal services to match the demands of your busy schedule.

TellerPhone, Automated Account Access

Available 24-hours, 7-days a week, TellerPhone provides step-by-step instructions for reviewing balances, conducting transfers, making loan payments and much more. Call (770) 460-7899 or 1-800-922-5882.

Telephone Service Center (TSC)

Speak directly with a Credit Union service associate Monday through Friday, 8 a.m. until 6 p.m. Eastern Standard Time. Call (770) 719-1111 or 1-800-338-5882.

Personal Banking Products and Services


  • Regular Share Savings Accounts
  • Share Draft Checking Accounts
  • ATM and Visa Debit Cards
  • Money Market Savings Accounts
  • Share Certificates: Terms from 91-days to 5-years
  • Christmas and Vacation Club Accounts
  • IRA: Traditional and Roth
  • Visa: Classic, Gold and Platinum
  • Visa Gift Cards
  • Personal Loans
  • Fast Cash Personal Line of Credit
  • Auto Loans: New and Used Vehicles
  • Recreational Vehicle and Airplane Loans
  • First and Second Mortgages
  • Vacation Homes and Second Homes
  • Home Equity Lines of Credit
  • Residential Investment Property
  • Land Loans


  • Website with Online Banking and Bill Payment
  • eStatements (Electronic Monthly Account Statements)
  • TellerPhone, Automated Account Access
  • Direct Deposit and Payroll Deduction
  • Safe Deposit Boxes
  • Notary Public Services
  • Wire Transfers
  • Extended Warranties
  • Debt Protection
  • AD&D Insurance
  • GAP Insurance