Southeast Financial Credit Union is a federally insured credit union offering checking, savings, loans, credit cards, and wealth management services to members nationwide.
Data compiled from public sources · Google rating shown when a stored review count is available
Southeast Financial Credit Union operates as a member-owned financial cooperative regulated by the NCUA (National Credit Union Administration). The organization provides comprehensive financial services including deposit accounts, lending products, investment options, and insurance solutions through its website and physical locations. The credit union maintains routing number 264081179 and emphasizes digital accessibility through online banking, mobile apps, and digital wallet capabilities.
The institution offers a full suite of consumer banking products: savings and checking accounts, certificates of deposit, IRAs, money market accounts, credit cards with rewards programs, auto loans (new/used cars and RVs at stated rates), personal loans, mortgage loans, home equity products, and business loans. They also provide wealth management services through Southeast Financial Wealth Management, auto and home insurance, life insurance, warranties, and trust services. The credit union features tools like bill pay, e-statements, remote deposit, FICO score programs, and purchase rewards through their digital platforms.
00% for used vehicles), RV financing options, and a vehicle finder tool. The institution actively promotes fraud protection through automated alerts and has issued public fraud alerts warning members about scam calls. They offer educational seminars and webinars, maintain a community engagement program (CommUnity), provide a scholarship program, and host a "Money Talks" blog.
As a credit union, Southeast Financial operates on a non-profit, member-owned model rather than shareholder-driven structure, which theoretically benefits members through lower fees and better rates. However, the website provides limited transparency on specific fees, account minimums, or detailed rate schedules. Like all credit unions, membership eligibility may be restricted by field of membership requirements not detailed on the public homepage.
This is state-level context for Credit Unions consumers in Germantown, TN. It does not confirm that Southeast Financial Credit Union 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.
Southeast Financial Credit Union offers 12 services including Savings accounts and checking accounts, Certificates of deposit with promotional terms, Individual retirement accounts (IRAs), Money market accounts, Credit cards with purchase rewards, and 7 more.
Southeast Financial Credit Union has profile signals associated with Members seeking a full-service credit union with competitive auto and vehicle financing, Consumers prioritizing digital banking convenience with mobile apps and remote deposit, Account holders wanting fraud protection, purchase rewards, and financial education, Borrowers interested in comprehensive mortgage and home equity products with professional guidance.
Key strengths: NCUA federal insurance protection on deposits up to $250,000; Competitive auto loan rates advertised (3.50% APR new cars, 4.00% used cars for 1 year); Comprehensive digital banking including mobile app, digital wallets, and remote deposit capture. Areas to consider: Website does not disclose membership eligibility requirements or field of membership restrictions; No specific fee schedules, account minimums, or APR details displayed for most products (only auto loans shown).
In the Credit Unions category, comparable providers include Cabrillo Credit Union, One Nevada Credit Union, United Community Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Southeast Financial Credit Union is profile signals for existing or prospective members seeking a comprehensive, member-owned financial institution with competitive auto lending rates and strong digital banking capabilities. The primary caveat is that specific rates, fees, and detailed product terms are not transparently listed online—most financial products require contacting a loan officer or account representative, and membership eligibility may be restricted by field of membership criteria not disclosed on the public website.
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