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SecurCommunity Federal Credit Union (formerly Shelby County FCU) is a member-owned financial cooperative serving Shelby and DeSoto counties with auto loans, checking/savings accounts, credit cards, and mortgages.
Data compiled from public sources · Rating from CreditDoc methodology
SecurCommunity Federal Credit Union recently underwent a name change from Shelby County Federal Credit Union, though all existing accounts, cards, and services remain valid during the transition. As a federally-chartered credit union, it operates as a not-for-profit cooperative owned by its members rather than external shareholders. The credit union serves the greater Memphis area, specifically open to residents and employees in Shelby County and DeSoto County.
The institution offers a comprehensive suite of consumer financial products including checking and savings accounts, VISA credit cards with no annual fee, auto loans (new and used vehicles), RV/boat/motorcycle loans, personal lines of credit, mortgages, and secured loans. They provide modern banking conveniences through online and mobile banking platforms, a CardNav app for purchase tracking, access to 30,000 surcharge-free ATMs, safe deposit boxes, and debt protection services. The credit union emphasizes auto lending with promotional offerings including 90 days with no first payment, special programs for first-time auto buyers with limited credit, and 1% discounts for refinancing vehicles from other institutions.
SecurCommunity differentiates itself through member-focused features like low minimum payments on credit cards, no annual fees, youth and senior account options, and educational financial resources covering topics like student loan payoff and debt relief scams. They provide practical tools including an auto loan calculator, car shopping platform with financing tools, and an ATM locator. The routing number 284085197 identifies their federal membership, and they maintain a physical presence with multiple branch locations in the service area.
As a credit union, SecurCommunity operates under different regulatory structures than traditional banks and prioritizes member benefits over profits. However, their service area is geographically limited to two counties in Tennessee/Mississippi, and membership eligibility depends on geographic or employment criteria. The website emphasizes auto lending heavily, suggesting this may be a primary focus relative to other financial products.
Yes. SecurCommunity Federal Credit Union is a registered company, headquartered in Memphis, TN.
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CreditDoc Diagnosis
SecurCommunity Federal Credit Union is best for Shelby and DeSoto County residents seeking member-owned banking with particularly strong auto lending options, no-fee credit cards, and substantial ATM network access. The primary caveat is strict geographic membership eligibility—membership is only available to residents and employees in the two-county service area, making this unsuitable for customers outside Tennessee/Mississippi.
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