Southern Federal Credit Union is a member-owned financial cooperative serving individuals who hold membership in the organization and its field of membership. The credit union operates within a framework of mutual aid, emphasizing the provision of basic financial services, including savings accounts and consumer lending, under a cooperative governance model. Its history traces the formation of a financial institution organized around shared ownership by qualifying members, with operations shaped by standards set to ensure safety, soundness, and accessibility for community stakeholders.
Functionally, the organization administers routine deposit-taking, loan origination, and related financial products designed to meet everyday banking needs. Its operational scope encompasses branch-based service delivery, borrower underwriting practices, and member services that support financial literacy and account management. As a nonprofit financial cooperative, it seeks to align member interests with prudent risk management, maintaining compliance with applicable regulatory frameworks while prioritizing reliable access to funds and straightforward financial services for its membership.
Address
1414 Enclave Pkwy #250, Houston, TX 77077
Phone
(713) 23 27 774Website
southernfederalcu.orgBetter than 38% of providers in Houston
In addition to the primary service, Southern Federal Credit Union also offers:
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Southern Federal Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Southern Federal Credit Union is listed as a financial service provider in Houston, TX and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Southern Federal Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Southern Federal Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Southern Federal Credit Union with other providers in Houston and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Southern Federal Credit Union has a rating of 3.2, which is better than 38% of providers in Houston.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Southern Federal Credit Union requests. It is always best to call ahead using the phone number on this page so Southern Federal Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Southern Federal Credit Union also offers: Financial institution, ATM.