Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions in Memphis
Since 1961, Shelby County Federal Credit Union has served Shelby County and DeSoto County with a commitment to helping members achieve financial success. As a full-service financial institution with over 10,000 members, we offer competitive rates on savings and checking accounts, diverse loan options, and investment plans. Our three full-service branches, 3,000 shared branches, and 30,000 surcharge-free ATMs ensure convenient access to banking services.We prioritize digital innovation through online and mobile banking platforms, including remote deposit, CardNav debit card protection, and financial planning tools. Our team delivers personalized support for auto loans with rates as low as 3.90% APR, mortgages, VISA credit cards, and certificate programs. With federally insured accounts backed by the National Credit Union Administration, we combine decades of experience with modern financial solutions to meet evolving member needs.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgages
VISA Credit Cards
Online Banking
Mobile Banking
Certificate Loans
Debit Card Protection
Financial Planning Tools
Details
- Year established: 1961
Highlights and features
- Low-interest auto loans starting at 3.90% APR with no prepayment penalties
- 24/7 online and mobile banking with remote deposit and CardNav protection
- Over 10,000 members served since 1961 across Shelby and DeSoto counties
- 30,000 surcharge-free ATMs and 3,000 shared branch locations nationwide
- Federally insured accounts backed by the U.S. government up to $250,000
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Auto Loans
We offer competitive auto loans with rates starting at 3.90% APR for new and used vehicles. Terms range from 12 to 84 months with 100% financing options for qualified borrowers. Our loans include tax, title, and tag costs with no prepayment penalties.
Checking Accounts
Our no-minimum-balance checking accounts provide free online banking, mobile check deposit, and debit card protection through CardNav. Members enjoy 30,000 surcharge-free ATMs and convenient deposit options including direct deposit and payroll deductions.
Online Banking
24/7 online banking services include account management, fund transfers, bill payments, and e-statements. Members can enroll in free monthly e-statements to avoid printed statement fees and access financial planning tools and calculators.
Savings Accounts
We provide primary savings accounts with competitive dividends, certificate programs with guaranteed returns, and Christmas Club accounts for holiday savings. Members enjoy automatic transfers, direct deposit options, and collateral loan opportunities.
Mobile Banking
Our free mobile banking app enables remote check deposit, real-time account monitoring, and push notifications for promotions. Available for iOS and Android devices, the app integrates with online banking for seamless financial management.
Questions
How do I apply for membership?
Apply online with two forms of ID, proof of address, and a $25 minimum deposit. Membership is open to anyone living, working, or studying in Shelby or DeSoto counties.
What auto loan rates do you offer?
Auto loan rates start at 3.90% APR for new vehicles and 4.25% APR for used vehicles, with terms up to 84 months and no prepayment penalties.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency.
Do you offer mobile banking features?
Our mobile app provides remote deposit, account management, and CardNav debit card protection. Available for iOS and Android devices with online banking integration.
What are your branch hours?
Downtown branch: Mon-Fri 8:30 AM-4:15 PM. Midtown and Sycamore View branches: Mon-Fri 9 AM-5 PM, Sat 9 AM-12 PM.
