Business Details
Your Trusted Partner for Financial Solutions in Memphis
Shelby County Federal Credit Union is a not-for-profit financial cooperative established in 1952 to serve the financial needs of Shelby County and DeSoto County residents. As a member-owned institution, we prioritize personalized service and community development through competitive financial products including checking and savings accounts, auto loans, mortgages, and VISA credit cards. Our commitment to financial education is demonstrated through our online toolkit featuring calculators, articles, and planning resources. With three physical branches and access to 30,000 surcharge-free ATMs nationwide, we combine local presence with national convenience.Our debt protection programs and safe deposit box services provide additional security for members' financial well-being. We maintain federal insurance coverage up to $250,000 through the National Credit Union Administration. Our technology infrastructure supports mobile banking with remote deposit capabilities and real-time card management through the CardNav app. Through payroll deduction programs and flexible repayment terms, we strive to make financial management accessible for all members.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
VISA Credit Card
Online Banking
Mobile Banking
Safe Deposit Boxes
Highlights and features
- We offer low-interest auto loans starting at 3.90% APR with flexible terms
- Our members access 30,000 surcharge-free ATMs nationwide through CO-OP Network
- 24/7 telephone banking services available for account management
- We provide free financial planning tools and educational resources
- Our debt protection programs safeguard loan balances against unexpected life events
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Auto Loans
Our auto loan program offers competitive rates starting at 3.90% APR for new and used vehicles. We provide financing options for first-time buyers and those refinancing existing loans. Members benefit from flexible terms and no prepayment penalties while accessing special programs for individuals with limited credit history.
Mobile Banking
Our mobile app enables 24/7 account management with features like remote check deposit, real-time transaction tracking, and CardNav security controls. The application supports budgeting tools and instant notifications about account activity while integrating with our online banking platform for seamless financial management.
Safe Deposit Boxes
Available at our Sycamore View branch, our secure storage options come in three sizes (3x5, 5x5, 5x10) at annual rates of $20, $30, and $50 respectively. These boxes provide secure storage for important documents, valuables, and family heirlooms with access during regular branch operating hours.
VISA Credit Card
Our VISA credit card program features low minimum payments, no annual fee, and competitive interest rates. Cardholders receive fraud protection and the ability to manage account settings through CardNav while earning rewards on everyday purchases at participating merchants.
Debt Protection
Life Plus Debt Protection covers loan balances against unexpected events including death, disability, or involuntary unemployment. This optional program helps protect members' financial obligations during challenging life circumstances while providing coverage for family medical leave and hospitalization events.
Questions
How do I join Shelby County Federal Credit Union?
Membership is open to everyone in Shelby County and DeSoto County. Visit any branch location or apply online to open an account with our credit union.
What auto loan rates do you currently offer?
Our current auto loan rates start at 3.90% APR for qualified members. Rates vary based on credit history and loan terms.
How can I enroll in online banking?
Click the enrollment button on our website, provide your account number and Social Security digits, then create your login credentials to access online banking.
Do you offer 24-hour account access?
Yes, our Round-The-Clock Teller service and mobile app provide 24/7 access to account information and basic banking functions.
What mortgage programs are available?
We offer various mortgage loan programs including fixed-rate and adjustable-rate options with competitive terms for qualified applicants.
How do I report a lost or stolen debit card?
Call our 24-hour card activation line at (866) 762-0558 immediately to report lost or stolen cards and request replacements.
Reviews (4)
Angela Timmons
Jan 19, 2022
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They never answers the phone. I been on the line an hour waiting for someone to answer my call. Attitudes are horrible. They act like it's their money when your asking about your own or an account you need them to look up. Like stay home. I get it pandemic made everyone lazy.
NoPamela McCann
Oct 15, 2021
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I Thank God for Shelby county Credit Union. They Are Friendly and They all love to help you. I have been a student for five years In Law . I am a future Esquire and Shelby county credit union. Has been there for me Since My Mother Pass away. They have told me to pay my bills and Keep on track. They all Have Been there for Me. When I Graduate I will be there for All of them too. This is in Memory of Mrs. B Bernice Wells former Shelby county worker. Memphis Tennessee.
Ny
Mar 16, 2021
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It amazing when your bankcard (debit) has been lost, stolen or compromised and you have to request a new card, it takes
7-10 to business days to get a new card at this bank/credit union. You can go to MOST bank institutions and they will replace the card the same day. Most people pay their bills through their bankcard (debit) and order things online with their bankcard (debit). Then when you call the credit union, someone may have an attitude or appears not to care about helping you. Whatever method they are using to take so long to get you a new card or print one, they should change it ASAP.
7-10 to business days to get a new card at this bank/credit union. You can go to MOST bank institutions and they will replace the card the same day. Most people pay their bills through their bankcard (debit) and order things online with their bankcard (debit). Then when you call the credit union, someone may have an attitude or appears not to care about helping you. Whatever method they are using to take so long to get you a new card or print one, they should change it ASAP.
L. Early
Dec 16, 2020
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I have been a member since I was a child. I have had an account with them for more than 25 years. The service has changed over the years especially when a lot of the other workers started retiring back in 2009 and later. I have contemplated many times about moving all of my money to another bank due to the length of time it takes to receive direct deposits, reaching someone sometimes, and amongst other reasons of seeing how it has changed over the years with service. I do like being a member with SCCU since I have had my account for so long. For anyone looking to open a bank account, below are
