Business Details
50+ Years
experience
Your Trusted Community Credit Union in Lufkin, TX
Southland Federal Credit Union was founded in 1963 to serve employees of the Southland Paper Mill in Lufkin, Texas. Starting with just seven members, we've grown to over $85 million in assets and 7,800 members while maintaining our community-focused mission. Our expansion to include residents of Angelina, Houston, and Trinity Counties reflects our commitment to accessible financial services. Through strategic mergers and new facilities in Lufkin and Crockett, we've enhanced our ability to serve diverse financial needs. We specialize in competitive savings accounts, loan products, and digital banking solutions tailored to individual and business clients.Our team combines decades of local banking experience with modern financial technology to deliver personalized service. Backed by federal insurance and NCUA accreditation, we prioritize financial education and community development. Our reputation for reliability is evidenced by member testimonials praising our transparent processes and supportive staff. We maintain strict security protocols to protect member information while offering convenient services like mobile deposits and 24/7 online access. As a not-for-profit cooperative, we reinvest earnings to benefit our members through improved rates and services.
Services
Savings Accounts
Loan Services
Online Banking
Term Share Certificates
IRA Accounts
Car Buying Service
Fraud Protection
Mobile Deposits
Bill Pay
ATM Services
Details
- Year established: 1963
Highlights and features
- We offer competitive loan rates starting at 5.25% for vehicle financing
- Our community charter serves Angelina, Houston, and Trinity County residents
- We provide personalized financial education resources for all members
- Our mobile banking app enables 24/7 account management and mobile deposits
- We maintain a 40-year track record of financial stability with $85M+ in assets
Associations and certifications
- NCUA
What people say
Best in Lufkin
Clear and easy process
A family
Always greeted warmly
Continues tradition
Services
Savings Accounts
We offer regular share savings accounts with competitive dividend rates starting at $25 minimum balance. Our accounts feature quarterly compounding, bill pay services, and mobile banking integration. Members benefit from federal insurance covering deposits up to $250,000 through the NCUA program.
Loan Services
Our loan portfolio includes vehicle financing from 5.25% APR, signature loans from 10% APR, and secured lending options. Each application receives personalized review under current underwriting guidelines. We provide pre-approval assistance and flexible repayment terms tailored to borrower needs.
Online Banking
Our 24/7 online platform enables account management, bill payments, and mobile check deposits. Security features include two-factor authentication and card control options. Enrollment assistance is available through our Lufkin and Crockett branch locations during business hours.
Term Share Certificates
Invest in term share certificates with terms from 6 months to 5 years, starting at $500 minimum deposits. Monthly compounding options and competitive rates up to 3.25% APY provide growth opportunities. Early withdrawal penalties apply with exceptions for account holder emergencies.
Fraud Protection
We implement real-time fraud monitoring for debit card transactions and account activity. Lost card reporting is available 24/7 through dedicated hotlines. Our security team provides identity theft prevention resources including credit monitoring guidance and scam awareness education.
People
Kathy Harvey
Chief Executive Officer
Leading Southland Federal Credit Union since 2003, Kathy Harvey brings over 30 years of credit union experience. She oversees strategic growth initiatives and maintains community partnerships that expand financial access across East Texas.
Britney Hughes
Lending Supervisor
With 15+ years in financial services, Britney Hughes manages our loan department's credit analysis and underwriting processes. She specializes in helping first-time borrowers establish credit through personalized loan counseling and financial education.
Vivien Standridge
Chief Financial Officer
As CFO, Vivien Standridge manages financial reporting and compliance operations. Her 20-year career in credit union finance ensures responsible asset management while maintaining competitive rates for our members' savings and investment products.
Tre Luce
Loan Officer
Tre Luce assists members with auto financing and personal loan applications. He focuses on transparent rate explanations and payment planning to help clients achieve financial goals without unexpected costs or hidden fees.
Betsy McDonald
MSR Supervisor
Leading our member service team, Betsy McDonald ensures prompt resolution of account inquiries. With 12 years at SFCU, she trains staff in compliance procedures and maintains our commitment to personalized, face-to-face banking experiences.
Questions
How do I become a member of Southland Federal Credit Union?
Membership is open to anyone living, working, or worshiping in Angelina, Houston, or Trinity Counties. Visit our website to start the application process or contact our Lufkin office for assistance.
What online banking features are available?
Our digital platform offers account balance checks, bill payments, mobile check deposits, fund transfers, and 24/7 transaction monitoring. Security tools include card controls and instant fraud alerts through our mobile app.
What loan products do you offer?
We provide auto loans starting at 5.25% APR, signature loans from 10% APR, mortgage options, and business lending solutions. Each application receives personalized review based on current credit guidelines.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), with additional coverage available through proper account structuring.
What are your branch hours?
Lufkin and Crockett branches are open Monday-Thursday 8:30 AM-4:30 PM, Friday 8:30 AM-5:00 PM. Drive-thru services extend until 5:30 PM Monday-Friday with Saturday morning availability in Lufkin.
