Southeastern Credit Union

Credit union for members in South Georgia

Southeastern Credit Union is a credit union serving individuals and businesses. Its field of membership covers twelve counties: Ben Hill, Berrien, Brooks, Cook, Echols, Irwin, Lanier, Lowndes, Pierce, Tift, Turner and Ware. Anyone residing in that area can join, and the institution states that it has more than 26,000 members.

Personal accounts

The offering for individuals includes several checking account options, among them Cash Rewards Checking, Cash Back Rewards Checking and Classic Checking. In the savings section are Southeastern Saver, Share Savings, IRAs, Money Market Accounts, Club Accounts and Share Certificates.

Business accounts and services

For the business segment, it offers Member Business Checking, Club Checking, Business Share Savings, Business Money Market Accounts and business credit cards. Business services are complemented by digital banking tools and access to Zelle.

Personal lending

In personal loans, it offers home loans, home equity lines of credit, auto loans, recreational vehicle loans and personal loans. The mortgage section details fixed-rate, adjustable-rate (ARM), USDA Rural Housing, FHA, VA and construction loan programs. Home equity lines of credit are aimed at education expenses, major life events, home remodels or debt consolidation, with terms tailored to each case and local decision-making and processing.

Commercial lending

The business section includes business loans, commercial real estate loans, equipment loans, business lines of credit and term loans. The institution notes that its commercial real estate lenders know the South Georgia market and highlights quick decisions and local processing.

Digital banking and tools

The credit union offers digital banking to check balances and history, transfer funds between accounts and to other members, open sub-accounts, make loan payments and receive alerts. It has mobile check deposit for personal and business needs, and its debit and credit cards are compatible with Apple Pay, Google Pay and Samsung Pay for contactless payments. It also provides eStatements as an alternative to paper and a mobile app downloadable from the App Store and Google Play.

Resources and financial education

Its support materials include financial calculators, frequently asked questions, guides on buying a home, credit scores, financial prep for college, debt reduction, social media fraud, elder exploitation and identity theft. The institution also publishes its routing number 261271500 and its NMLS ID 449403.