SecurCommunity Federal Credit Union (formerly Shelby County Federal Credit Union) offers checking, savings, auto loans, mortgages, and VISA cards to Shelby and DeSoto County residents.
Data compiled from public sources · Google rating shown when a stored review count is available
SecurCommunity Federal Credit Union recently rebranded from Shelby County Federal Credit Union, maintaining all existing member accounts, cards, and services through the transition. The credit union operates as a member-owned financial cooperative serving residents of Shelby County and DeSoto County with a full suite of consumer banking products. They maintain a routing number (284085197) and provide both in-person and digital banking channels.
The institution offers comprehensive banking services including checking and savings accounts, youth and senior accounts, VISA credit cards with no annual fee, auto loans (new and used), RV/boat/motorcycle loans, personal lines of credit, mortgages, certificate loans, and secured loans. They provide online and mobile banking platforms, debit cards with CardNav purchase tracking, safe deposit boxes, and Round-the-Clock Teller services. The credit union emphasizes auto lending with promotional offers including 90-day payment deferral on new auto loans and 1% refinancing discounts for members switching from other institutions.
The credit union distinguishes itself through membership accessibility (open to all Shelby and DeSoto County residents), integrated auto shopping tools on their website, financial education resources covering student loan payoff and debt management, and ATM network fee context through a 30,000-location network. They market a first-time auto buyer program targeting members with limited credit history. The institution provides multiple rate and fee comparison resources and online application processes for loans and accounts.
As a credit union, SecurCommunity operates on a non-profit, member-owned model. However, the website provides limited detail on specific rates, fee structures, and membership requirements beyond geographic eligibility. The recent name change may create temporary confusion in external records and credit reports.
Like most credit unions, lending approval depends on individual creditworthiness and membership eligibility.
This is state-level context for Credit Unions consumers in Memphis, TN. It does not confirm that Shelby County Employees CU or this specific location is licensed.
State regulator
Tennessee Department of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Shelby County Employees CU offers 18 services including Checking accounts, Savings accounts, Youth accounts, Senior accounts, VISA credit cards (no annual fee), and 13 more.
Shelby County Employees CU has profile signals associated with Shelby and DeSoto County residents seeking comprehensive credit union banking with competitive auto financing, First-time auto buyers with limited credit history seeking structured lending programs, Existing members transitioning through the name change from Shelby County Federal Credit Union, Auto refinance shoppers seeking 1% discounts on loans from competing institutions.
Key strengths: No annual fee on VISA credit cards; 90-day payment deferral available on new auto loans; 1% discount on auto refinancing from other institutions. Areas to consider: Limited geographic availability restricted to Shelby County and DeSoto County only; Recent name change (from Shelby County Federal Credit Union) may cause delays in updated credit reports and external records.
In the Credit Unions category, comparable providers include First Choice Credit Union, Greater Metro FCU, Orion Financial. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
profile signals for Shelby and DeSoto County residents needing a full-service credit union with competitive auto lending and no-fee credit cards. Main caveat: strict geographic membership limitations and lack of published rate/fee transparency on the website make comparison shopping difficult before application.
1st Choice Credit Union is a member-owned financial institution offering checking, savings, loans, and credit cards with rate claims to verify and 24/7 online banking access.
Google rating from 25 reviews
Profile signals: Members seeking competitive auto financing with rates starting at 6.50% APR, Consumers wanting free financial coaching and member education resources
Greater Metro Federal Credit Union offers checking, savings, mortgages, auto loans, and credit cards to members. They provide digital banking via It's Me 247 and ATM/shared branch access.
Google rating from 2 reviews
Profile signals: Individuals seeking competitive auto and personal loan rates through a credit union, Members prioritizing fraud protection with multi-channel notifications
Orion Federal Credit Union is a Memphis-based credit union offering checking, savings, loans, and credit cards across 10 branches in Tennessee and Arkansas with 24/7 ATM access.
Google rating from 165 reviews
Profile signals: Memphis-area residents seeking community banking with local branch presence and personal service, Spanish-speaking consumers in the Germantown or Hacks Cross areas
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