• 713-232-7774

  • Office

  • 713-232-7122

  • Fax

  • info@southernfederalcu.org

  • Email

  • 713-232-7774

  • Office

  • 713-232-7122

  • Fax

  • info@southernfederalcu.org

  • Secure Email

  • +1(123) 456 567

  • support@copious.com

  • Manhattan Hall,

  • Copious Melbourne, New Yourk

  • 08:00 - 16:30

  • Monday to Saturday

Consumer Loans



  • Vehicle Loans
    • We offer up to 100% financing on New and Used Vehicle loans based on the MSRP, NADA or purchase price, whichever is less. The interest rate for this type of loan is based on credit score and the term of the loan. Terms up to 72 months with flexible convenient payment options and low fixed rates.

      Includes New & Used Autos

  • Boat, RV & Motorcycle Loans
    • We offer up to 100% financing on New and Used Vehicle loans based on the MSRP, NADA or purchase price, whichever is less. The interest rate for this type of loan is based on credit score and the term of the loan. Terms up to 72 months with flexible convenient payment options and low fixed rates.

      Includes New & Used Boats, RVs, Motorcycles, ATVs and Watercraft.

  • Other Collateral
    • We offer up to 100% financing on New and Used collateral based on NADA value or purchase price, whichever is less. The interest rate for this type of loan is based on credit score and the term of the loan. Terms up to 72 months, depending on the vehicle type, with flexible convenient payment options and low fixed rates.

      Includes Farm Equipment, Tractors, and miscellaneous.

  • Personal Loans
    • Our personal loans are unsecured loans that can be used for any purpose, such as vacation, taxes, computers or personal use. The interest rate is determined by credit score. Loan amounts are determined by credit score and income.

  • Overdraft Protection (LOC)
    • Our Overdraft Protection loan is an unsecured revolving line of credit up to $1,000 that is used for overdraft protection for the checking account. Loan advances are made in increments of $100.00 with minimum monthly payments of $25.00.

  • Share Secured Loans
    • Our Share Secured loans require that funds be pledged from a Southern FCU deposit account or Certificate to secure the loan. When money is pledged on an account, a “hold” is placed on the money, but as the loan principal decreases, the pledge also decreases.

  • Payment Protection
    • Available payment protection options include:

      • Credit Life and Disability Insurance
      • Extended Warranties
      • GAP Insurance
      • Auto Exam 100-point Inspection