It Pays to be a Member!

At Southland Federal Credit Union, it pays to be a member!

Members who are looking for a better rate of return on their credit union certificate of deposit or members who want a lower interest rate on their loans can do so with our “It pays to be a member program”. A member can earn more on their money invested with us or in the case of a loan, pay less in interest over the life of the loan.

Not a member? Not a problem, Join TODAY! Southland Federal Credit Union is open to anyone who lives, works, worships or has a business in Angelina, Houston or Trinity counties. Questions? Call or come by and talk to any employee to discuss how you can earn up to 0.50% more on your next SFCU certificate of deposit or take up to 0.75% off your next SFCU loan rate. Note: some restrictions apply.

Visit us at to learn more about Southland Federal Credit Union, you can start the paperwork to become a member, apply for a loan, apply for a debit card or even apply for our online banking services. We have two convenient locations to service you: Main office at 2601 S. John Redditt Drive, Lufkin TX 75904 or Branch office at 1524 E. Houston Ave., Crockett TX 75835.

Read how you can take advantage of our “It Pays to be a Member” program:

Loan rate discounts guidelines:

Members may receive up to 0.75% discount off the standard loan rate matrix** by having any of the following services or combination of the following services:

0.25% discount if member has been with the credit union 5 years or more
0.25% discount if member takes out credit life and credit disability
0.20% discount if member takes out the MRC (mechanic repair coverage)
0.10% discount if member takes out the GAP (guaranteed auto protection)
0.10% discount if member takes out credit life
0.05% discount if member sets up the loan on autopay

** Loan Rates are subject to change without notice, for current rate information. Call the credit union loan department for current rate information. APR = Annual Percentage Rate (Note: the maximum discount is limited to 0.75% off the standard loan rate and discounted loan rate cannot go below the floor rate of 1.99% APR)

Certificate of Deposit Increase in APR guidelines: (Effective April 1, 2022)

A member may receive 0.50%^ higher APR above our standard share certificate^^ of deposit rate at the time that the share certificate of deposit is taken out. We will either add 0.25% or 0.50% if the member meets the following criteria:

0.25% increase if a member has been with the credit union at least 5 to 10 years

0.50% increase if a member has been with the credit union over 10 years

^^ Member certificate rates are subject to change without notice. APR = Annual Percentage Rate APY = Annual Percentage Yield (Note: the maximum increase is limited to an increase of not more than 0.25%^ added to the standard certificate of deposit rate as published on our rate sheet)