Loans
Home Loans
From homebuyer counseling to purchasing, building or refinancing, we have the right products and services to meet your needs, as well as home repair loans and home equity lines of credit. We even offer specialized products such as Rural Development/USDA Loans featuring low fixed rates with no down payment required.
Wherever you are in your home buying journey, Southern Bancorp is ready to help you. Contact us now to find out which option is right for you.
Auto/Boat/RV Loans
Personal Loans
Build Your Credit
Credit Counseling
The quality of your credit can impact your life in a lot of ways. From borrowing money for school to buying a home to getting a job, your credit matters. Southern’s certified credit counselors are available to not only teach you how to establish or rebuild your credit, but also help you put that knowledge into action.
Some of the covered topics include:
- Understanding your credit score and history
- How to review your credit score annually for free.
- How to correct errors and omissions on your credit report
- Best practices for paying down debts and paying bills.
If you’re ready to get your credit back on track and working for you, contact us today to find the nearest Southern Bancorp Credit Counselor and make an appointment.
Credit Builder CD
If you have little or no credit history, this Certificate of Deposit (CD) actually helps you improve your score, which means you are more likely to be approved for a credit card, car loan, mortgage, or small business loan, get a job, or see lower interest rates on future loans. How?
First, you receive a loan from Southern Bancorp for either $500 or $1000 that is put into your CD. Make monthly payments until the loan is paid-off. Then, you receive the full value of the CD, plus interest, and this important bonus: an improved credit rating by credit bureaus due to your monthly payments.
Learn more on the Credit Builder CD page, or visit the nearest branch to begin the process.