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 · Rating from CreditDoc methodology
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 surcharge-free ATM access 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.
Yes. Shelby County Employees CU is a registered company, headquartered in Memphis, TN.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Best 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.
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