Southern Coastal

PO BOX 503, Biloxi, MS 39533

NCUA Insured4.6 (9 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1973

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

This credit union serves members from multiple groups — including occupational, associational, or community bonds. Contact them to confirm your eligibility.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1973

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

PO BOX 503

Biloxi, MS 39533

Google Maps 🗺Waze

(228) 432-0284

Service Area

This credit union is located in Biloxi and serves members in the MS area. Currently serving 1,605 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.50%

Used Auto Loan

6.50%

Personal Loan

16.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MS

Lowest rates currently reported by credit unions in MS (NCUA Q4 2025).

Ferguson— New Auto Loan

Monticello, MS

1.99%

Mississippi Dhs— Used Auto Loan

Jackson, MS

4.25%

Water'S Edge— Personal Loan

Biloxi, MS

5.42%

Triangle— Credit Card APR

Columbus, MS

6.50%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.6

9 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Julia Encalade

2 weeks ago

I've been banking here for years, and I truly couldn't ask for a better bank. The ladies here are always so kind, welcoming, and helpful. They consistently go above and beyond for their customers and make every experience a positive one. They treat you like family, not just another customer, and that means so much. I appreciate everything they do and highly recommend this bank. If you are looking for great customer service and caring people, Southern Coastal is the way to go.

Mitzi Aucoin

11 months ago

They don't accept the local community for banking,so dumb..it's family owned so only someone who is family already a member is the only way to use this bank.So rude! I won't recommend you people to nobody!

Demonica Price

a year ago

I’ve been banking with coastal for close to 10 years and I have never had a bad experience! I love the whole branch they have became family. Continue to be great SCFCU :)

cynita aikens

3 years ago

I have been a member here since 2013 they are like my family , great friendly faces , they all go above and beyond to help you in any way needed. They have helped me build my credit up to where i can buy almost anything i want and they have helped me with money management especially FELICIA. Nothing but great things to say about this place.