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 · Rating from CreditDoc methodology
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.
Yes. Southeast Financial Credit Union is a registered company, headquartered in Germantown, TN.
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CreditDoc Diagnosis
Southeast Financial Credit Union is best 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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