SOUTH CENTRAL is an NCUA-insured credit union located in JACKSON, MI. New auto loan rates from 5.29% APR. Google rating: 3.6 out of 5 from 38 reviews.

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South Central

P.O. BOX 27, Jackson, MI 49204
NCUA Insured3.6 (38 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P.O. BOX 27

Jackson, MI 49204

Service Area

This credit union is located in Jackson and serves members in the MI area. Currently serving 6,814 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q1 2026 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Why this matters

These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.

Source: NCUA Federally Insured Credit Unions list, Q1 2026.

Loan Rates

Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.

New Auto Loan

5.29%

Used Auto Loan

5.29%

Personal Loan

10.49%

Credit Card APR

12.99%

Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MI

Lowest rates currently reported by credit unions in MI (NCUA Q1 2026).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Compare Rates in Jackson

See how SOUTH CENTRAL stacks up against other credit unions nearby — sorted by lowest APR.

Member Reviews

3.6

38 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Eboni Selby

Eboni Selby

7 months ago

I have been with this bank since 2018. Usually no problems. But today was RIDICULOUS. All I needed was a statement showing a certain transaction. I kept being told by the teller and another employee (Kristen was on her name tag) that they couldn’t do it. That it wouldn’t show the transaction and they could only give me a receipt instead of an actual statement. They went back and forth with me about it after I told them another employee did it for me just days earlier. They refused and were BEYOND rude. Felt like I was being disregarded and rushed. I left and went to the other SSCU location on south street. They were SO welcoming and respectful. And the bank statement those women swore they couldn’t print? The employee on south street printed, stamped, and signed IN LESS THAN 5 MINUTES! Do better and have better attitudes. I’ve literally never felt so dismissed before. Great job south street!

Tina Glenn

Tina Glenn

4 months ago

Everyone is always helpful friendly and very nice I’m very happy with them been with them for years very satisfied

Connor H.

Connor H.

2 years ago

Was a member for barely even a month, and then was left stranded in the middle of nowhere at 2 am because i was unable to get gas due to “suspicious activity” when i only use the card for gas at the same location. When i reviewed the activity along with my account balance, there was no suspicious activity, and when i notified the bank, nothing was done. Numerous calls to customer support only redirects me to a call center in India that always tells me that there’s nothing they can do, it’s all on the bank. Avoid this bank and just switch to Huntington, much less issues and much better customer support.

Aulanda Banks

Aulanda Banks

a year ago

DO NOT USE THEIR CREDIT CARD. .I HAVE BEEN A LOYAL CUSTOMER FOR OVER 20 YEARS.. NEVER HAVE I EVER HAD AN ISSUE WITH MY VISA CREDIT CARD THROUGH THEIR INSTITUTION UNTIL NOW!!!.. BACK IN JUNE OF 2024 I Made a substantial purchase on line and made sure to ask all THE necessary questions in particular the company's cancellation policy. I was given THE STANDARD POLICY INFORMATION, (24 TO 48 HOURS NOTICE OF CANCELLATION).. I then had an unforseen life occurrence happen so I called back to cancel well within 30 days of my initial purchase. I was then informed that they did not have a cancellation policy and that I would not be refunded my almost 900.00 purchase. I then made a call to South Central Credit Union Visa fraud claims department to contest/ dispute the charges. The claims department is operated very poorly. You cannot speak directly with anyone except for customer different customer service phone reps who only take messages as well as provide u with the bare minimum of information regarding your claim. In addition to not being able to obtain clarity for questions the claims department only correspond by mail which most of the time is lost or late receiving. After several attempts to call and talk directly to someone as well as I provide some REQUESTED INFORMATION REGARDING MY CLAIM. THEY SIDED WITH THE MERCHANT STATING IN A LETTER THE INFORMATION I INFORMED THEM THAT I WOULS BE SUBMITTING WAS NEVER RECEIVED!!!!! HOWEVER THAT STATEMENT WAS UNFOUNDED ACCORDING TO TWO SEPERATE CUSTOMER SERVICE CONSULTANTS THAT I SPOKE WITH! BOTH HAD INFORMED ME THAT THE INFORMATION HAD BEEN RECEIVED BY THEIR OFFICE AS WELL AS I TOO HAD PROOF THAT IT WAS RECEIVED.. I THEN PROCEEDED TO PLEAD FOR AN OVERTURN OF THEIR DECISION BECAUSE A MISTAKE WAS CLEARLY MADE, ONLY TO BE TOLD THEY WOULD NOT DUE TO TIME CONSTRAINTS. I THEN ASKED FOR CLARIFICATION OF THEIR TIME CONSTRAINTS AND WAS TOLD BLATANTLY THAT THEY WOULD NOT REOPEN MY CASE. SO I STRONGLY, STRONGLY URGE U NOT TO USE THEIR CREDIT CARD .. THEY DO NOT SUPPORT NOR CARE FOR ABOUT UR LOYALTY!!!

Greg Mears

Greg Mears

3 years ago

After being a member here for over 25 years, I am saddened that I feel the need to write such a negative review. I can remember a time when I knew everyone at our branch on a first name basis. I've bought more cars through them than I can remember. Had all of my kids do business with them. (two of them still have accounts there). These days, every time I visit or call, it's a new face, and they no longer provide the excellent customer service that they once did. I'm writing this review because I have just spent a very frustrating week, trying to deal with them regarding some charges to my credit card. On Sunday May 7th my wife gets a text from Verizon that her monthly payment was rejected. I call Verizon and they verify that the card had been declined. I gave them another card for payment and then called the customer service number on the back of the SCCU card. The credit card company verified that my card had been blocked because of some suspicious activity, but that they couldn't specify which activity had been flagged or remove the block. They suggested I call SCCU on Monday. I call on Monday and after 2 days and several calls back and forth between the credit card company and SCCU, I was finally able to get the card unblocked and I (thought) everything was straightened out. Wednesday morning I get an alert from my monitoring company that my credit score had dropped SEVEN points!!!! I log in and see that a statement had been submitted by SCCU saying that my line of credit has been suspended. I called the credit card company and they have no clue. They suggest I call SCCU. I call SCCU and the person on the phone and she says they can't help me that someone will call me back Thursday. Now it's Friday and still no call back. I call again and am told that the Vice president will need to help me and that they are sure I am on his list. I call back a few hours later and am told that they're not sure why i was told that because the VP isn't even there today. ( he was out sick) Bottom line, I ended up having to call TransUnion myself and file a dispute for the incorrect information that SCCU added to my profile that made my score drop. Their VP is supposed to call me on Monday but I'm fairly certain at this point that I'm yanking all of my accounts and taking them somewhere where I'll be treated like a person again. IF, such a place even exists in today's world. I have been informed that my wife and I are "Platinum" members. If this is how they treat their best customers, I feel for anyone who isn't. Sad....just sad...

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).

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