090267_SFCU_WelcomeBro:090267_SFCU_WelcomeBro
2/24/09
2:37 PM
Page 2
The Southern Advantage
J o i n . T h r i v e . P r o s p e r.
090267_SFCU_WelcomeBro:090267_SFCU_WelcomeBro
2/24/09
2:37 PM
Page 3
Lending Our Support to
Local Communities
Protecting Your Organization’s
Most Valuable Asset
Your organization is sustained by its employees, because they
deliver the day to day value that defines your organization. We
know you want to retain a strong team of employees to meet
your goals—and we can help.
The Southern Federal Credit Union supports the investment
you make to attract, develop and retain your employees.
Your enrollment as a Select Employee Group (SEG) of
The Southern gives your employees access to services
that help them build their personal worth and keep more of
what they earn. The overall strength of your organization will
increase as your employees become more financially secure.
Personal Banking Services
for Your Employees
The Southern offers the banking services your employees
expect from a first rate financial institution—but with a
competitive edge. We generally charge less for loans and
pay more for savings, so your employees always get the
most for their money.
m Free online banking and free transactions at our ATM sites
m Free eStatements and free bill pay with eStatements
m Competitive rates on auto loans, personal loans and VISA®
m First mortgages, second mortgages and land loans
m Home equity loans and home equity lines of credit
m Money market accounts, certificates of deposit and IRAs
We care about your employees’ financial well-being, and
we can help them make the connection between work and
worth. We deliver free educational seminars on managing
a household budget and establishing good credit, so your
employees can leverage every paycheck to reduce their
debt and build their personal worth.
The Southern Federal Credit Union is a federally insured,
non-profit, member-owned, full-service financial cooperative.
We were chartered in 1963 and established our headquarters in Fayetteville, Georgia in 1992. We serve a core group
of Southside communities in the counties of Clayton, Coweta,
Fayette, Henry and Spalding. We deliver the benefits of local
presence and local ownership—supporting local employers
and local economic development.
The Strength You Expect
from a Partner
The Southern is chartered under the terms of the Federal
Credit Union Act and regulated by the National Credit
Union Administration (NCUA). Each member account is
federally insured up to at least $250,000 through the
National Credit Union Share Insurance Fund (NCUSIF),
with additional insurance coverage for IRA accounts.
The Southern operates solely for the benefit of its
membership, working directly with Select Employee
Groups (SEGs) that are enrolled as member organizations.
SEGs qualify for organizational membership based on
The Southern’s chartered field of membership.
Individuals qualify for membership in one of two ways:
They are an employee of an enrolled SEG, or they are a
family member of an eligible credit union member. Individual
members join the credit union by opening a savings account
with a minimum deposit of $25. Membership is a permanent
benefit, and members may relocate or retire and still retain
their member status with The Southern.
090267_SFCU_WelcomeBro:090267_SFCU_WelcomeBro
2/24/09
2:37 PM
Page 4
Setting the Standard
for Service and Support
We serve our members with pride, experience, professionalism
and personal attention. Our front line employees are immediately
responsive and relentless in their pursuit of member satisfaction.
Senior level officers and managers are available and readily
accessible, so members of all ages, titles and stages of professional
development receive thoughtful consultation and quality feedback.
Our automated TellerPhone service is available around the clock,
but we also operate a call center with a staff that will always take
the time to answer members’ questions personally.
We know our members have a choice about where to place their
trust, so everyone at The Southern works hard to earn our members’
business every day. Our first line of duty is service, not sales.
We don’t pay sales commissions or set quotas for the products
we offer, so our assistance really is focused on our members’ best
interests—with no hidden agendas.
Enhance Your Organization’s
Employee Benefit Package
To become a select employee group simply send us a letter
requesting credit union services for your employees. There is no
fee for becoming a SEG, and your ongoing support requirements
are minimal. We ask your support for our enrollment and
development activities:
m On-site enrollment sessions
m Financial education workshops
m Distribution of new hire orientation brochures
m Promotions, posters, payroll inserts and events
m Employee intranet link to The Southern website
Reward your employees and their family members with credit union
membership while you enhance the value of your employee benefits
package. Your partnership with The Southern will build a stronger
workforce by helping your employees become more financially secure.
PHONE: 770.719.1111 1.800.338.5882
WEBSITE: www.southernonline.org
Personal Banking
Products and Services
Products:
m Share Savings Accounts
m Share Draft Cheking Accounts
m ATM and Visa® Debit Cards
m Money Market Savings Accounts
m Share Certificates of Deposit:
Terms from 91-day to 5-years
m Christmas and Vacation Club Accounts
m IRA: Traditional and Roth
m Visa: Classic, Gold, and Platinum
m Visa Gift Cards
m Personal Loans
m Fast Cash Personal Line of Credit
m Auto Loans: New and Used Vehicles
m Recreational Vehicles and Airplane Loans
m Member Business Loans
m Mortgages:
– First and Second Mortgages
– Vacation and Second Homes
– Home Equity Lines of Credit
– Land Loans
Services:
m Overdraft Protection
m Website with Online Banking and Bill Payment
m eStatements (Electronic Monthly Account Statements)
m TellerPhone: 24/7 Automated Telephone
Account Access
m Direct Deposit and Payroll Deduction
m Safe Deposit Boxes
m Notary Public Service
m Car Buying Service
m Travelers Checks
m Wire Transfers
m Extended Warranties
m Credit Disability and Credit Life Insurance
m GAP Insurance
m LoJack