Business Details
Your Trusted Credit Union in Memphis, TN
Shelby County Employees Credit Union has been dedicated to empowering members in Shelby County and DeSoto County with comprehensive financial solutions since our establishment. We specialize in providing accessible checking and savings accounts, competitive auto loans starting at 3.90% APR, mortgage services, and VISA credit cards with no annual fee. Our commitment to financial education is demonstrated through our online financial toolkit, offering calculators, articles, and planning resources to help members achieve long-term goals.With federally insured accounts backed by the National Credit Union Administration, we combine security with personalized service through three convenient branch locations and 24/7 digital banking tools. Our team prioritizes member success through innovative services like CardNav fraud protection, surcharge-free ATMs nationwide, and specialized programs for first-time auto buyers and refinancing opportunities.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Services
VISA Credit Cards
Online Banking
Mobile App
Debt Protection
Safe Deposit Boxes
Financial Planning
Highlights and features
- We offer federally insured accounts backed by the U.S. government
- Our auto loans start at 3.90% APR with refinancing discounts
- Access 30,000 surcharge-free ATMs nationwide through our CO-OP network
- We provide personalized financial planning tools and educational resources
- Our branches serve Shelby and DeSoto Counties with extended Saturday hours
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Auto Loans
Our auto loans feature competitive rates starting at 3.90% APR for new and used vehicles. Special programs assist first-time buyers with limited credit history, while refinancing options offer 1% discounts for members transferring loans. Loan terms and amounts depend on credit qualifications and collateral value.
Online Banking
24/7 account access includes fund transfers, bill payments, e-statements, and remote check deposit. Our mobile app provides real-time transaction tracking, push notifications, and integration with CardNav security features. Enrollment requires account number and Social Security verification.
VISA Credit Cards
Low-interest VISA cards offer no annual fee and flexible payment options. Members enjoy purchase protection and rewards programs through our partnership network. Activation requires phone verification with card details and Social Security information.
Financial Planning Tools
Our online toolkit includes budget calculators, retirement planners, and educational resources. Members access video tutorials, workbooks, and debt management guides to support financial literacy and long-term wealth building strategies.
Safe Deposit Boxes
Secure storage options available in three sizes (3x5, 5x5, 5x10) at our Sycamore View branch. Annual fees range from $20 to $50 based on box dimensions. Boxes provide protection for important documents, jewelry, and valuable collections.
Questions
What financial services do you offer?
We provide checking and savings accounts, auto loans, mortgages, VISA credit cards, and financial planning tools with 24/7 digital banking access.
How can I access ATMs without fees?
Our members access 30,000 surcharge-free ATMs nationwide through the CO-OP network with no additional charges.
Do you offer loan refinancing options?
Yes, we provide auto loan refinancing with a 1% discount when transferring from other institutions.
What security features protect my accounts?
CardNav app allows real-time card controls, transaction alerts, and location-based security settings for debit card protection.
Are accounts federally insured?
All deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA).
What branch locations are available?
We operate three Memphis locations: Midtown, Downtown, and Sycamore View with extended Saturday hours at one branch.
