Southern Security Federal Credit Union
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Southern Security Federal Credit Union
Looking for a great way to pay for all of your holiday expenses? Our Preferred Visa is a great option to do all of your holiday shopping with 0.00% APR* for 6 months. With no annual fee or cash advance fee we have you covered for this holiday season. 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!
Services
I really think Southern Security is good for employee retention because they help our employees do a better job of managing their money. Our employees are happier and more financially stable. The benefit of partnering with Southern Security is the confidence we have in them to take care of our guys.
Visit southernsecurity.org or download the mobile app to loginto online banking. Employees of sponsoring companies, or their retirees or family members, can join Southern Security Federal Credit Union as a lifetime member and remain a member whether or not you continue working for the company. Your account is insured by the National Credit Union Administration, which is backed by the U.S. government.
A Share Savings account makes you a Southern Security member - and members have benefits!. The National Credit Union Administration, an agency of the U.S. government, insures each Southern Security member's joint and individual accounts for a maximum of $250,000* each. Retirement accounts are insured separately to $250,000.
A Money Market account (MMA) earns higher dividends than a Share Savings account but you still have access to your money. Make withdrawals any time so long as you maintain the minimum required balance. Money Market accounts are insured to $250,000 by the National Credit Union Administration. All Southern Security money market accounts are held at the credit union and insured, along with your other accounts, for a combined total of $250,000.
There will be a $25 application fee assessed that is waived upon approval and disbursement of your loan. Looking to consolidate your current credit card balance into one low interest monthly payment? We have the perfect card for you! 0.00% APR (Annual Percentage Rate) is valid for 6 months.

After 6 months the rate will revert to the one for which you qualify for when the credit line was opened, which is a variable rate based on Prime Rate plus a margin.Rates as of 09/30/2021 vary between 8.75% to 18.00% based on prime and credit worthiness. Offer valid from 10/01/2021 to 12/31/2021. Other fees that may apply are penalty fees for late and returned payments and transaction fees for balance transfers and foreign transactions.
Reviews (10)
Debra Williams
Debra Williams
Dec 11, 2021
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This credit union is about the worst in following their own policies and procedures. They are guilty of telling you what steps to take to make a legal transaction and then breach the contract by stopping payment on their checks.
Meiaya Long
Meiaya Long
Sep 01, 2021
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This Credit union is the best. They make sure to get the job done and make sure you are well taken care of. I personally talk to Mrs. Christen Cartwright and I love her. Communication is the key. Make sure your always communicating with them and they will do their best to have you taken care of. Thank you to this wonderful credit union.
Travis M.
Travis M.
Aug 29, 2021
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This credit union is the best there is. What make this place so great is that they treat you like family and really try hard to help and educate their members. I know the highest score you can rate on here is a five but this place deserves a 10+. Melva Brewer and Christine Cartwright and Marcus Beecham is the main reason I ranked them so high. There dedication to members and willingness to go to bat for the members is incredible. You will not find a better Credit Union anywhere because they don’t have these three people on their team.
Colby Bowen
Colby Bowen
Mar 17, 2021
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From the loan managers to the tellers all the way up to the bank President, this bank truly means what they say and will treat you like family. In 20 years of business, we've experienced several banks but Southern Security is truly one of a kind. They have a diverse team with warm inviting locations and team members that can suit any of your banking needs. They are always on the ball when it comes to the small stuff like returning a call in a timely fashion. They go out of their way to help you with your credit... simply can't say enough good things about Southern Security! Go see Mrs. Christine
J. Odie
J. Odie
Jan 04, 2021
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Awesome service!
I would personally like to thank Christine Cartwright, Marcus Beecham and Andrew Flowers for going above and beyond!! Their superior service is why I will continue staying with them in banking and/or any other financial need that may arise in the future.
Beth Jones
Beth Jones
Nov 01, 2020
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I’ve banked with Southern Security Federal Credit Union for the past 7 years and I wouldn’t go anywhere else. I have several accounts with them and refinanced my house last year. They treat their customers like family and not just a number. Christine Cartwright has gone above and beyond to help me with several banking situations. I highly recommend Southern Security Federal Credit Union.
Lecia Hoskins
Lecia Hoskins
Oct 28, 2020
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I have been with Southern Security for more than 30 years, I had a check to get lost in the mail. I spoke with Andrew Flowers, Regional Branch Director and asked if he could wave a stop payment fee of 26.00 he wasn’t interested in helping me at all and did not. Understand I have no control over the mail. I guess everyone that posted had to have not been black that was helped so well with their issues because I wasn’t. Out of 30 plus years I have bought vehicles and direct deposits so this is the treatment I get for being a loyal customer.
B. C.
B. C.
Jul 01, 2020
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The Awesome & Caring Team @ Southern Security Federal Credit Union Are God’s Blessing To Their Members - They Have Been Gracious, Helpful & Have Actually Sought Out & Provided Options To Help Us To Save & Prepare During These Unprecedented Times !
May God Bless Christine C & The Entire Team For All They Do For Us !
Thank You All Very Much & Happy New Year !
Michael B.
Michael B.
Jun 14, 2019
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Southern Security is the best bank in the Memphis area. Dawn, Christine, and the entire staff treat you like family. They have been there for me every step of the way from high school through home ownership. I would not consider banking anywhere else in Mid-South.
Robert Calvin Brown
Robert Calvin Brown
Jul 07, 2014
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Absolutely best people I have ever met to do business with in my life. *PERIOD*!!! If it wasn't for Southern security I would not be where I'm at today. James, Steve, Sheila are fantastic to work with. Thank you guy's so much for being wonderful people. Highly Recommend!!! Great job Guy's!! Oh! I forgot about Pat, branch manager at wolfchase and Ann downtown. The Best!!!!