At a glance
From its website, read 2 Nov 2026Southern Security Federal Credit Union is a credit union based in Collierville, Tennessee. Its website describes auto loans, commercial real estate loans, equipment loans and 2 other loan types. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.southernsecurity.org |
| Office (official list) | PO Box 310, Collierville, TN 38027 |
What their website says about applying
Call and talk with a loan officer – we’re happy to help
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | Low Rate Starting at 13.25% | source |
| Auto / vehicle loans | Term: see their wording | 12 – 84 month terms available | source |
| Personal / consumer loans | Term: see their wording | Up to 48 month terms | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 11 Aug 2019 |
| RSSD ID | 378875 |
| Address | PO Box 310, Collierville, TN 38027 Directions to the main office (Google Maps) |
| Website | www.southernsecurity.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Business and commercial loan pages give no amounts, and the mortgage and auto pages state no loan size limits. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Finance qualifying new and used vehicles up to 84 months | source |
| Commercial real estate loans | — | This type of real estate loan is secured by the subject property being purchased/refinanced or renovated. | source |
| Equipment loans | — | Equipment needs for the business to expand operational capabilities | source |
| Home mortgages | — | 10 – 30 year terms available, including Conventional and FHA | source |
| Personal / consumer loans | from $500 | Loans as small as $500 (can help build or rebuild your credit rating!) | source |
Loan sizes
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Here
source
Pages read (7)
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$6.8 million in 4 awards from the U.S. Treasury's CDFI Fund, 2019–2022 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2022 | CDFI Program, Financial Assistance | $740,000 |
| 2021 | CDFI Rapid Response Program | $1,500,000 |
| 2019 | CDFI Program, Financial Assistance | $799,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as SOUTHERN SECURITY (charter 5974). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $251.9 million (as of 30 Jun 2026) |
|---|---|
| Members | 18,754 (as of 30 Jun 2026) |
| Offices | 7 in 2 states (as of 30 Jun 2026) |
Offices by state and county (7)
Tennessee (5 offices)
- Shelby County (5): 819 Southern Home Rd, Collierville 38017 (main office); 2795 Kirby Whitten Rd, Bartlett 38134; 8058 US Highway 64, Bartlett 38133; 123 S Front St, Memphis 38103; 3183 Poplar Ave, Memphis 38111
Mississippi (2 offices)
- DeSoto County (1): 6717 Airways Blvd Ste 100, Southaven 38671
- Grenada County (1): 1360 Sunset Dr Ste 4, Grenada 38901
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Southern Security Federal Credit Union (NCUA charter 5974, filed as “SOUTHERN SECURITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $182.2 million, 5,262 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 6.6% from $170.9 million on 30 Jun 2025 |
| Members | 18,754 (as of 30 Jun 2026); 19,102 (as of 30 Jun 2025) |
| Loans per member | $9,717 (total loans divided by members, 30 Jun 2026) |
| Total assets | $251.9 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $8.5 million | 4.7% |
| Used vehicle loans | $18.5 million | 10.1% |
| First-lien home mortgages (1-4 family) | $106.2 million | 58.3% |
| Other real estate loans (junior liens, other) | $12.6 million | 6.9% |
| Commercial (business) loans | $20.9 million | 11.5% |
| Credit cards | $2.9 million | 1.6% |
| Other unsecured loans | $2.2 million | 1.2% |
| Leases and other secured loans | $10.4 million | 5.7% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $251.9 million | Larger than 73% of the 11 other certified credit unions in Tennessee (median $141.8 million). |
| Loans as a share of assets | 72% | Median of the same 11 credit unions: 78%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $170.9 million → $182.2 million (+7%) | Median change of 11 other certified credit unions in Tennessee: +7%. Rank by loans held among these 12: 4 → 4. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Tennessee | 11 | larger than 73% |
| Loans held then vs now | certified credit unions in Tennessee reporting both dates | 11 | rank 4 → 4 of 12 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Collierville and Tennessee
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Copper Basin Federal Credit UnionCredit union · Copperhill, TNAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at Southern Security Federal Credit Union? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.