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A PU BL IC AT ION FOR MEMBER S OF T HE S OU T HER N CR EDI T U N ION
W IN T ER 2015
Holiday-spending bills flooding your mailbox?
Make the move to the Southern!
Now that the Christmas Holiday season
is over and you’ve racked up your holiday
spending on your high interest credit cards
from other institutions, it’s time to think
about paying those balances down. Transfer
your balances now to one of our low interest
VISA® from The Southern with rates as low
as 7.00%*.
You get to enjoy the best of both worlds …
you keep your points on your other card,
and you pay less interest with ours.
Unlike big banks, The Southern is not
increasing credit card rates and we never
charge a transfer fee. You’re going to save
BIG when you use it to pay off all of those
high rate credit card charges from last year’s
holiday spending.
11
/
21
/1
98
5
NO Balance Transfer
Fees!
You have two options:
1. Keep the points and pay a high
interest rate or
Keep your points and pay a low interest rate with The Southern Visa
2.
Call or come into any Southern
branch office. Or, apply online at www.southernonline.org.
*APR = Annual Percentage Rate.
Contact the Credit Union for complete details.
A good
move
1954 called …
... they want
their kitchen
back!
Revamp your kitchen
or another room in your
house with a Home Equity
Line of Credit.
APPLY
TODAY!
Call 770.719.1111
or go to
www.southernonline.org
07/04/1974
$
A PPLY F O R AN AU TO LOA N
AND SAVE M ONE Y! !!!
Before you buy your new vehicle, talk to
The Southern! Our loan options can help
put you in the driver’s seat with a payment
plan that fits your wallet. Benefits for
choosing The Southern includes low
loan rates, flexible payment options and
affordable GAP Insurance. Best of all, you
will receive our exceptional service.
APR: Annual Percentage Rate based upon approved
credit. Offer subject to change without prior notice.
*1.75% Annual Percentage Rate (APR) is limited to new
automobiles, which include 2014 and 2015 model year
vehicles. Qualifying vehicles must have been purchased
Buying a new car? Already have an auto
loan with another financial institution?
That’s ok; contact us
today to see if we can lower
NEW
CAR
your current interest rate!
RATES
AS
LOW
AS
Call 770.719.1111 for more
1.75%
information.
APR*
within 30 days from the date of loan origination. Those
vehicles titled more than 90 days from origination will
be considered used automobiles, in which regular
rates would apply. 1.75% APR is limited up to and
including a maximum of 72 months of repayment.
09/06/1970
Join us for a fun night
of food, drinks,
and door prizes!
2015 Annual Meeting of the Membership
As a member of The Southern Credit Union, Monday, April 27, 6:00 PM you own a portion of the
Credit Union. Your savings Peachtree City Branch
account qualifies you as a 1400 Commerce Drive,
member-owner of the
Peachtree City, Georgia
Credit Union, and entitles you to vote for the
individuals you would like to have represent
you on the Board of Directors. The Southern will provide heavy
hors d’oeuvrs and drinks. Door prizes will also be drawn that
evening. SO join us for a fun night at The Southern.
Mr. Wilton A. Marchman retired as Assistant Superintendent
of the Clayton County Board of Education in 1997. He is a
graduate of both the University of Tennessee and Georgia State University. He has been a Credit Union member since
1967 and was a member of the Tara Board of Directors for a number of years prior to the merger with The Southern.
NOW IS A PRIME TIME FOR A MORTGAGE
WHILE RATES ARE STILL LOW!
It only takes one phone call to review your mortgage
options which could SAVE YOU THOUSANDS.
If you are looking to buy, now is the time to call
The Southern. Rates are as low as 2.875%*.
Because you are a Credit Union member, we make
sure you get the most of your money. We help
you understand the loan process, avoid mistakes
and get you the loan you need and want. We have
very low rates, extremely low closing costs, fast
turnaround times and professional service.
• First and Second Mortgages Loans
• FHA Loans
• Investment Property Loans
• VA Loans
• Land Loans
• Jumbo Loans
• Home Equity Lines of Credit
• Harp Loans
W US
E !
LO
SK T S
S
A . A NA S T
S
O
TE 5% ELIM C
G
RA 87
2. TO IN
S W OS
A
L
O
H RC
U
YO
How it works: This year the Nominating Committee has
submitted the names of Morris Kelly and Wilt Marchman as
nominees to fill two vacancies on the Board of Directors. Both
nominees will serve three-year terms.
Mr. Morris D. Kelly is retired from the Clayton County Water
Authority after 43 years. He works as a contractor with N. Harris
Computer Company in their Northstar Division. He is contracted
in a Business Consultant role. The Northstar Division specializes
in utility billing software. He attended Clayton Junior College and
has been a credit union member since 1971. He served on the
Tara Credit Union Credit Committee for over 20 years and was
a member of the Tara Board of Directors for a number of years
prior to the merger with The Southern. All total, he has 34 years
of service as a volunteer in the credit union industry.
Please
visit us at
southernonline.org
to review our various
mortgage loan options
and apply online.
To make an appointment,
call us at 770.719.111
or email us at
[email protected].
Your Mortgage Team pictured:
Crystal Looney. James Richards, and Shannon Sexton
Not pictured Jeremy Hyde
* Annual Percentage Rate. 15 fixed-years loans. $200,000 loan amount @80% LTV. Credit Score 720 or better NMLS#-411595
Quick Cash Payday Loans: Not As Cheap As You May Think!
“Payday loans,” which are
also called cash advance,
check advance, and postdated check loans have
become increasingly
popular for quick cash. The
borrower writes a personal
check that is payable to the
lender for the amount he/
she wishes to borrow, plus a
fee, which is typically in the
range of 10% to 25% of the
amount.
The check is usually held
for up to four weeks. At that
time, the check is redeemed
by the borrower by paying
the face amount or allowing
it to be cashed. If the
borrower cannot cover the
check, it can be rolled over
for another term by writing
a second check with more
fees added to the balance.
Consumers may be misled
into thinking that
payday loans are a cheap
and convenient way of
borrowing money for the
short term. However, the
high APRs and fees often
result in difficulty repaying
the loan in full, because it
leaves little or no remaining
money to cover additional
living expenses. continued on back page
HOW IT WORKS:
There are four dates hidden in
this issue. If you find your birth
date, exactly as it appears on your
account, call the Telephone Service
Center at 770-719-1111
or 1-800-338-5882
NEW
GAME!
AND WIN $50!
(Expires 3/31/2015)
TH E SO UT HERN CRED IT
UNION PRIVACY N OT I CE
The Southern Credit Union’s annual privacy notice is available
online at www.southernonline.org. If you would like a paper
copy, please call 770.719.1111 or 1.800.338.5882.
Quick Cash Payday Loans: Not Cheap
continued from page 3
This results in the borrower
paying another round of
charges and fees while
obtaining no additional cash in
return.

With average annual interest
rates ranging from 390% to
871%, payday loans are no
bargain. We can help you
evaluate your situation and
find a better option
that won’t leave you in a
vulnerable position. Instead
of resorting to this type
of borrowing, contact
The Southern and schedule
a sit down with one of our
Lending representatives.
Call 770.719.1111 and save
more of your money with
The Southern.
DEPOSITING YOUR CHECKS
IS A CLICK AWAY
Welcome to The Southern:
Coweta County Board of
Commissioners – Newnan
Tri City Realty –
Peachtree City
Henry County Library System
– McDonough
Upson County Board of
Commissioners – Thomaston
Perkins Towing and Recovery
– Concord
Swanton Welding and
Machining Company – Griffin
Martin Luther King Jr, Day
Saturday, January17th
Monday, January 19th
President’s Day
Saturday, February 14th
Monday, February 16th
STATISTICALLY SPEAKING
As of Nov. 30, 2014
Assets
Shares
Loans
Members
02/25/1966
COUPON
NEW CAR
RATES AS LOW AS
15 BPS OFF OUR BASE R ATE ON NEW & USED VEHICLES
NEW OR USED
VEHICLE LOAN
*Annual Percentage Rate. Coupon
good through March 31, 2015
Discount is deducted from applicant’s
qualified rate. Credit conditions and
qualifications apply. Pre-existing loans
with the Credit Union are not eligible for
refinancing. One coupon per member.
May not be used in conjunction with any
other offer. Must present coupon when
applying. Offer subject to change. New
auto rates may not fall below 1.75% with
any related discounts.
When you receive an
occasional check and have
no time to make it to one
of our convenient branch
locations to make your
deposit, no problem - just
click it and send it.
Soon members will be
able to utilize the remotedeposit feature of The
Southern’s mobile app. You
will be able to snap a photo
of your paper check and
make the deposit digitally.
You’ll never again have
to mail the paper check
or drop it at the Credit
Union. Simply launch
The Southern’s app and
select Deposit Checks. It’s
that easy. Look for this
timesaving feature soon.
$323,455,130
$285,146,597
$114,383,917
32,979
DIVIDEND NEWS
As of Dec. 31, 2014
L OC AT IONS A N D
BR A NC H HOU R S
Fayetteville
430 East Lanier Ave. • Fayetteville, GA 30214
LOBBY HOURS
Monday – Friday 9 a.m. - 4 p.m.
DRIVE-THRU HOURS
Monday – Thursday 8:30 a.m. - 5 p.m.
Friday 8:30 a.m. - 6 p.m.
Saturday 9 a.m. - 12 p.m.
ATM + NIGHT DROP ON LOCATION
Griffin
1610 Highway 16 West • Griffin, GA 30223
LOBBY HOURS
Monday – Thursday 9 a.m. - 4 p.m.
Friday 9 a.m. - 5 p.m.
DRIVE-THRU HOURS
Monday – Thursday 8:30 a.m. - 5 p.m.
Friday 8:30 a.m. - 6 p.m.
Saturday 9 a.m. – 12 p.m.
ATM + NIGHT DROP ON LOCATION
Jonesboro
1099 Battle Creek Road • Jonesboro, GA 30236
LOBBY AND DRIVE-THRU HOURS
Monday – Friday 9 a.m. - 5 p.m.
Saturday 9 a.m. – 12 p.m.
ATM + NIGHT DROP ON LOCATION
LaGrange
117 Bull Street • LaGrange, GA 30240
LOBBY HOURS
Monday – Friday 8:30 a.m.-4:30 p.m.
ATM + NIGHT DROP ON LOCATION
McDonough
2097 Highway 20 West • McDonough, GA 30253
LOBBY HOURS
Monday – Friday 9 a.m.-4 p.m.
DRIVE-THRU HOURS
Monday – Thursday 8:30 a.m.- 5 p.m.
Friday 8:30 a.m. - 6 p.m.
Balance
ATM + NIGHT DROP ON LOCATION
$0.00-$99.99
0.00%
$100.00-$2,499.99
0.10% Newnan
$2,500.00-$9,999.99 0.10% 232 Bullsboro Drive • Newnan, GA 30263
HOURS
$10,000.00-$24,999.99 0.10% LOBBY
Monday – Thursday 9 a.m. – 4 p.m.
$25,000.00-and greater 0.10% Friday 9 a.m. – 5 p.m.
HOURS
Share Drafts
0.05% DRIVE-THRU
Monday – Thursday 8:30 a.m. – 5 p.m.
IRA Shares
0.25% Friday 8:30 a.m. – 6 p.m.
An Independent Audit
The Credit Union’s Supervisory
Committee has ordered an independent audit of The Southern’s
financial statements as part of
a routine accounting process.
The audit will be conducted by
the accounting firm of Cynthia
L. Coleman, CPA. Part of the
audit includes the verification of
select accounts chosen randomly.
Therefore, you may receive a letter
from Cynthia Coleman on our
letterhead requesting that you
confirm the account information
contained in the letter. Should you
have any questions or concerns,
please contact the Telephone
Service Center at (770) 719-1111
or 1-800-338-5882.
Saturday 9 a.m. – 12 p.m.
ATM + NIGHT DROP ON LOCATION
Peachtree City
1400 Commerce Drive • Peachtree City, GA
30269
LOBBY HOURS
Monday – Thursday 9:00 a.m. - 4:00 p.m.
Friday 9:00 a.m. - 5:00 p.m.
DRIVE-THRU HOURS
Monday – Thursday 8:30 a.m. - 5 p.m.
Friday 8:30 a.m. - 6 p.m.
Saturday 9 a.m. - 12 p.m.
ATM + NIGHT DROP ON LOCATION
Call Us Today!770.719.1111
1.800.338.5882