SOUTHERN is an NCUA-insured credit union located in Chattanooga, TN. New auto loan rates from 6.00% APR. Google rating: 5.0 out of 5 from 6 reviews.

Southern

508 National Ave, Chattanooga, TN 37404

NCUA Insured5.0 (6 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1943

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

Membership Eligibility

Anyone who lives, works, or worships in or around Chattanooga, TN may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1943

Low-Income Designated

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

508 National Ave

Chattanooga, TN 37404

Google Maps 🗺Waze

(423) 629-2578

Service Area

This credit union is located in Chattanooga and serves members in the TN area. Currently serving 1,632 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

6.00%

Used Auto Loan

7.00%

Personal Loan

9.00%

Credit Card APR

12.00%

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 TN

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

Koin— New Auto Loan

Brentwood, TN

2.10%

Select Seven— Used Auto Loan

Johnson City, TN

4.00%

Pathway— Personal Loan

Cleveland, TN

6.00%

L G & W— Credit Card APR

Memphis, TN

7.90%

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

Branches & Locations(1 total)

Compare Rates in Chattanooga

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

Best Car Loan Rates in Chattanooga →Best Personal Loan Rates in Chattanooga →Best Credit Card Rates in Chattanooga →All Credit Unions in Chattanooga →

Member Reviews

5.0

6 Google reviews

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

View on Google Maps

Frank Smith

6 months ago

I love Ms. Becky and all the good folks at Southern Credit Union. They always treat me well and once you visit enough, they will call you by name the second you walk in the door. We’ve financed many cars through SCU due to their great rates and we will continue to be customers for life.

Susan duncan

a year ago

I have been with this credit union since 1988 and have always had outstanding service and reliable help from them. If you're looking for a trustworthy bank and understanding people to help with your every need, this is it! I always feel like I'm talking to a friend every time I call . The most important thing is you talk to a person,not a machine!